KR101986954B1 - Method for finance technology service for subscription money payment using peer to peer finance and apparatus thereof - Google Patents

Abstract

In the method of the present invention, the financial technical service device can receive loan application information including open call option information and loan condition information for applying for a subscription to the open call subscription from the first information terminal. The financial technical service device can open an investment product based on the loan application information and receive the investment application information on the investment product opened from one or more second information terminals and perform the investment attraction process so as to deposit the investment money . The financial technical service device can execute the subscription for public offering by using the deposited investment money, and can process data and electronic signals for transferring the loan to the account specified in the loan application information. The financial technology service device can perform the interest settlement and the investment return process according to the subscription cash on the payment due date according to the IPO allocation.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for providing a financial service using a P2P financial system,

The present invention relates to a financial technology service method and apparatus for payment of a subscription price using P2P financing. More particularly, the present invention relates to an apparatus and a method for providing financial technology service to a subscriber based on loan application information for a subscription- The method of financing technology service for borrowing of public offering subscription money which determines the maximum loan limit according to at least one of the difference between the out-of-stock price and the offer price, .

The stock market can provide investors with funding opportunities and new investors through new listing of new companies. Although there are some differences depending on the situation of the stock market and the value of the new company, investors' interest in the newly listed company is high. Statistically, investing in newly listed stocks has a relatively high return. Therefore, investors feel the need for fund raising to receive more stocks.

On the other hand, investors may hesitate to subscribe to newly listed stocks despite their high returns. The main reason for this is the shortage of cash assets to be paid as an open subscription margin. In addition, if the subscription competition rate is high, the number of shares to be allocated may be small. For example, if an investor submits a subscription for a subscription of 10 million won, the subscription rate of 100: 1 will actually allocate 100,000 won worth of subscription to the investor. Therefore, even if the return per share is 100%, the actual return on investment is only 1%.

As a result, the small-scale investors who invest a small amount of money will avoid the offer of a public offering to obtain a stable return, while investors with a large amount of funds raise the subscription rate of public offerings There is a phenomenon in which stocks are allocated to a large number of companies and stable profits are gained.

In the end, the subscription subscription system has resulted in some reverse functions of the subscription subscription system in the stock market, which is intended to provide general small-scale investors with opportunities to become shareholders of superior corporations.

However, even if the subscription competitiveness is high, it is possible to have a high rate of return relative to the operating funds in the short term if the maximum amount of the subscription margin that can be applied is available because the company holds sufficient cash assets.

Therefore, it is necessary for the investors to participate in the IPO market in order to participate more actively in the stock market and obtain stable and high yield.

Meanwhile, peer-to-peer (P2P) lending is a new form of lending, in which a large number of investors, rather than banks or financial investors, collect money and lend it directly to individuals or corporations.

P2P loans can be saved online by all procedures, which can reduce recruitment costs and labor costs. Investors can earn higher profits than bank interest rates. Investment targets are easier than banks and borrowers with lower interest rates than gold The market is growing rapidly due to various advantages such as the possibility of being able to do so.

With the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting lenders and investors.

As such, P2P loans are more convenient than traditional financial transaction methods, offer lower interest rates to loan applicants, and provide relatively high returns to investors in low-interest environments. .

Therefore, a P2P loan can be a way to promptly arrange the necessary funds when a loan applicant needs a public subscription payment.

However, it is troublesome for the applicant to check the subscription competition rate of the IPO until the end of the subscription, and to calculate the amount of the loan eligible according to the subscription competition rate. Therefore, there is a problem that the success rate of attracting funds is lowered due to insufficient time for attracting funds.

Likewise, investors or financial institutions that lend money have the inconvenience of confirming the subscription competition rate of public offerers even before the end of the subscription, and calculating the possible loan amount according to the subscription competition rate. Therefore, even if the decision is made to execute the loan, the loan may not be made beyond the deadline for submission of the offer.

In addition, in the process of investing using P2P loan, if the applicant cancels the proceeding of the subscription loan due to the remorse, the investor who deposited the investment in relation to the loan will bear the loss that misses the opportunity of other investment Therefore, appropriate measures are needed.

The problem to be solved by the present invention is to provide a system and method for estimating an institutional demand forecast for a corresponding IPO based on loan application information for an IPO loan received from a loan applicant, And to provide a financial technology service method and apparatus for borrowing a public offering loan to perform a public lending subscription loan service by determining a maximum loan limit according to one.

Another object to be solved by the present invention is to provide a system and a method for providing a loan to a borrower for borrowing a loan, If there is a cancellation of the loan proceeding while the attraction is completed or proceeded, the invested funds and the platform fee are refunded to the investor's account, thereby making it possible for the applicant to make a quick loan. To provide a financial technology service method and apparatus for borrowing a public offering loan that can enhance motivation for early participation in investment attraction.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description will be.

According to an aspect of the present invention, in a financial technology service method for a public offering loan, the financial technical service device receives loan application information including public offerer information and loan condition information for applying for a public offering loan from a first information terminal can do. The financial technical service device can open an investment product based on the loan application information and receive the investment application information on the investment product opened from one or more second information terminals and perform the investment attraction process so as to deposit the investment money . The financial technical service device can execute the subscription for public offering by using the deposited investment money, and can process data and electronic signals for transferring the loan to the account specified in the loan application information. The financial technology service device can perform the interest settlement and the investment return process according to the subscription cash on the payment due date according to the IPO allocation.

Here, the financial technical service device is configured to determine, based on the loan application information, a maximum loan amount limit based on at least one of the agency demand forecast result for the corresponding public offering stock, the difference between the offer price and the placement result, Can be determined.

In this case, the result of the agency demand forecast is at least one of participation number of participating institutions, competition rate, number of trusted institutions, size of institutional capital, presence of commitment condition allocation, pension fund, mutual aid society, .

Also, the financial technology service device can display the subscription subscription rate and the quantity and amount of the subscription expected when the subscribe subscription is made at an arbitrary amount, on the first information terminal.

In addition, the financial technology service device can display the open-to-order application amount information according to the lending applicant class for each principal securities company on the first information terminal.

According to another aspect of the present invention, there is provided a financial technology service device for providing financial technology services for an open call subscription loan, including open call option information for applying for an open call subscription loan received from the first information terminal and loan application information , Investment goods information, and investment application information, and a processor. Here, the processor may receive the loan application information from the first information terminal and open an investment product based on the loan application information. The processor can receive the investment application information for the investment product opened from the one or more second information terminals and perform the investment attraction process so that the investment can be deposited. The processor can execute the public money subscription loan using the deposited investment money, and can process data and electronic signals for transferring the loan to the account specified in the loan application information. The processor can perform the interest settlement and the investment return process based on the public offering loan on the due date according to the IPO allocation.

According to another aspect of the present invention, there is provided a financial technology service method for an open call for subscription payment, wherein the financial technology service apparatus is capable of receiving loan application information including open call option information for applying for a public money subscription from a first information terminal have. The financial technical service apparatus can determine the maximum loan limit based on at least one of the difference between the agency demand forecast result for the corresponding IPO, the subscription and assignment result, the out-of-service price and the IPO price based on the loan application information from the first information terminal have. The financial technical service device can execute the public money subscription loan and process data and electronic signals for transferring the loan to the account designated in the loan application information. The financial technology service device can perform the interest settlement and loan collection process according to the public offering loan on the payment date due to the IPO allocation.

According to another aspect of the present invention, there is provided a financial technical service device comprising: loan application information including public offerer information for applying for a public offering loan, received from a first information terminal for financial technical service for a public offering loan, A data storage unit for storing product information, and a processor. The processor receives the loan application information from the first information terminal, and based on at least one of the agency demand forecast result for the corresponding open market, the open market offer and the allocation result, the difference between the open market offer price and the open offer price, The limit can be determined. The processor may execute a contingency subscription loan and perform processing of data and electronic signals for transferring the loan to the account specified in the loan application information. The processor may perform the interest settlement and the loan collection process according to the public offering loan on the payment date according to the IPO allocation.

According to the present invention, an investment commodity is opened by receiving loan application information for applying for an open call subscription loan from a first information terminal for an open call subscription loan, and an investment invitation process is performed for one or more second information terminals . After that, the invested loan is executed by using the deposited investment money, and interest payment and investment return process are performed on the payment due date according to the IPO.

As a result, the loan applicant who wishes to borrow the subscription for public offering and the plural investors who want to invest his cash assets in the subscription cash loan are connected to each other, thereby granting the loan applicant the chance of lending the subscription to the subscription. This can give you an opportunity to earn your return on investment.

In addition, according to the present invention, at least one of the agency demand forecast result, the subscription offer and assignment result, the difference between the out-of-service price and the offer price for the corresponding IPO on the basis of the loan application information for the IPO loan received from the applicant , The maximum loan limit can be determined and the subscription loan service can be performed.

As a result, P2P loans can be used to open investment products in advance of the IPO when the investment inducement process for public IPO loans is executed. Therefore, it is necessary to wait until the IPO date to determine the maximum loan limit considering the subscription competition rate. Since there is no need, investment attraction can be completed early and stable.

Similarly, if a financial institution that can mobilize funds can provide a subscription to the applicant for subscription, it may open the subscription product before the subscription date. Therefore, wait until the submission deadline for subscription, Since there is no need to determine a limit, the loan progress can be completed early and stably.

Also, according to the present invention, after the platform fee is paid together with the loan application for subscription to the public offering, the investment items opened based on the application information of the loan can be viewed by the investors, thereby attracting the investment. In addition, if there is a cancellation of loan progress while the investment attraction is completed or proceeded, the deposited investment and platform fee are refunded to the investor's account.

In addition, if the borrower is annoyed by the remorse, the platform fee will be refunded to the investor. Accordingly, it is possible to reduce the dissatisfaction that investors may have about the platform by providing the investors with a return profit of canceling the loan progress of the applicant during the loan of the public offering subscription money.

In addition, in the investor aspect, even if the investment applicant is dismissed due to the annulment of the investment before the investment is begun to be introduced, the investor who participated early in attracting the investment fund, The fee for use can be refunded. As a result, it is possible to provide return profits for investors who have invested early, so that the motivation for early participation in attracting the investment is strengthened and the investment can be completed early.

In addition, in the case of the applicant of the loan, if the platform use fee is paid together with the application for the open market loan, investment goods are opened based on the application information of the loan without a separate loan examination process. can do.

In the case of P2P lending, if there is no official price or volatility as in the case of IPO, investors are required to conduct a demand forecast survey on the public offering loan, and based on the data collected from the demand forecast survey, It is possible to make the loan proceed faster by applying.

According to the present invention, in the P2P lending process, if the official price is not set as in the case of the IPO, or if there is volatility, the reasonable value can be calculated.

According to the present invention, by appropriately interlinking public subscription loan, P2P (Peer to Peer) loan and crowdfunding through Internet-based technology, the loan applicant can receive a loan even if there is no official price or volatility Investors who have invested money can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, it becomes possible to provide liquidity through accurate value analysis of an open call option which can not easily calculate a loan amount.

According to the present invention, it is possible to secure stability for investors by inserting the public offering loan money into individual products.

According to the present invention, in the P2P lending era, it is possible to invest in a public offering by using a P2P platform and to borrow money by linking public offering subscription investment and investment to PinTech and linking an IPO specialist (loan applicant) with an individual lender (investor) .

FIG. 1 is a view for explaining the concept of a financial technology service for a contingent purchase money loan according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining a financial technology service system for an open call subscription loan according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service apparatus in a financial technology service system for an open call subscription money laundering according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method of providing a financial technology service for an open call subscription loan according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a demand forecasting investigation process in a financial technology service method for an open call subscription money laundering according to an embodiment of the present invention.
FIG. 6 is a diagram for explaining a process of refunding investment funds and a platform fee in a financial service for contingent subscription money laundering according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view for explaining the concept of a financial technology service for a contingent purchase money loan according to an embodiment of the present invention.

Referring to FIG. 1, a financial technical service for borrowing a public offering loan according to an embodiment of the present invention may be provided by a P2P financial-based technical service company 1.

A P2P-based financial technology service company (1) has a business alliance with an investment adviser (2) that conducts an evaluation of IPO and a partner financial institution (3) that performs interest and principal repayment procedures. (4) and investors (5) who want to invest their cash assets in a crowd-funded manner by P2P loan method, and perform financial technology service for public offering loan. Here, the investment adviser (2), affiliated financial institution (3), loan applicant (4), and investor (5)

If there is no official price information or there is price volatility such as IPO, P2P-based financial technology service company (1) conducts a demand forecasting survey through investor (5) And may determine or determine whether the loan can be made accordingly. Accordingly, the loan applicant 4 may modify the loan condition in the loan application information so as to correspond to the demand prediction result.

Financial technology service for public subscription loan of P2P-based financial technology service company (1), if there is no separate loan screening process for IPO, if platform payment is settled, the pledge is set for pledge account , It can be done by executing an open call subscription loan to the applicant of the loan.

In addition, a financial technology service for borrowing a subscription for a subscription to a P2P-based financial technology service company (1) collects the funds of an investor (5) who wants to invest cash assets possessed by crowd-funding method, .

To this end, the P2P-based financial technology service company (1) receives a loan application for subscription from the applicant (4). In order to make a public offering loan, a P2P-based financial technology service company (1) must belong to a contestable public offering stock that is set up to be able to borrow a public offering through an evaluation of IPO.

To this end, the P2P-based financial technology service company (1) can request the investment adviser (2) for a valuation request for the IPO requested by the loan applicant (4). The investment adviser (2) can calculate the value of the requested IPO and provide it to the P2P-based financial technology service company (1). The P2P-based financial technology service company (1) can select the stocks subject to public offering subscription based on the value of IPO calculated from the investment adviser (2).

Meanwhile, a P2P-based financial technology service company (1) receives an investment application from an investor (5). The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited thereto and is possible if the investor can invest cash assets. So it can be a corporation, not an individual. Also preferably, the investor 5 may be a plurality of investors and may be a plurality of investors participating in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 invests the cash funds in a crowd-funded manner and is able to receive a return on investment such as interest income or equity interest.

The affiliated financial institution (3) can receive the investment money from the investor (5) who is approved by the P2P-based financial technology service company (1) for the investment application.

The affiliate financial institution 3 executes the loan to the loan applicant 4 who has been approved by the P2P-based financial technology service company 1 and issues the interest and principal repayment procedure Can be performed.

Similarly, the affiliate financial institution 3 returns the investment money to the investor 5 who has deposited the investment money when the allocation of the public offering stock is completed.

FIG. 2 is a diagram for explaining a financial technology service system for an open call subscription loan according to an embodiment of the present invention.

Referring to FIG. 2, the financial technology service apparatus 100 in the financial technology service system for the public subscription money laundering according to an embodiment of the present invention includes an advisory support server 200, a financial support server 300, The first information terminal 400, the second information terminal 500, and the subscription support server 600 to perform processing and communication of various data and electronic signals for the financial technology service for the public offering subscription loan .

The financial technical service apparatus 100 may be configured to include various data required for the financial technology service for borrowing the subscription fee of the P2P-based financial technology service company 1 and a processor for processing and communicating electronic signals .

The financial technology service apparatus 100 can perform processing and communication of various data and electronic signals necessary for proceeding with the process of executing the public offering subscription loan.

In addition, the financial technology service apparatus 100 includes an investment adviser 2, a partner financial institution 3 for performing interest and principal repayment procedures, and an investment adviser 2 for performing a valuation of an IPO based on a P2P financial technology service company 1 It is possible to perform processing and communication of various data and electronic signals necessary for proceeding with the cooperation of

In addition, when the financial service apparatus 100 does not have official price information on the IPO or there is a price change, if the applicant requests the demand forecast investigation, the possibility of attracting the investment secured by the demand forecast survey to the investors And can process and communicate various data and electronic signals necessary for the loan applicant to modify the desired loan conditions.

In addition, the financial technology service apparatus 100 connects a lender applicant 4 who desires to quickly offer an IPO loan and an investor 5 who wants to invest cash assets possessed by the crowd funding method using a P2P loan method, It is possible to perform processing and communication of various data and electronic signals necessary for performing financial technical service for a loan.

That is, when the financial technology service apparatus 100 receives the public offer information inputted through the first information terminal 400 and the loan application information including the loan condition information, the financial technology service apparatus 100 performs a separate examination procedure And if the platform usage fee has been settled, the system is opened as an investment product and the investment attraction process is performed. When the deposit of the investment money is completed, the deposited investment money is transferred to the affiliated financial institution of the financial support server 300 3), the loan is transferred to the applicant.

At this time, the financial technology service apparatus 100 may disclose the investment products opened based on the loan application information of the loan applicant 4 to the investors, and may transmit the investment money collected in response to the investment goods to the loan applicant 4 have. On the other hand, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 5, and to transfer the loan to the loan applicant 4 opened as an investment product.

However, it should be understood that the present invention is not limited to such a configuration, and that various conventional schemes including a mixture of the two configurations mentioned above are also applicable.

The advisory support server 200 calculates the value of the contested public IPO performed by the investment adviser 2 and performs processing and communication of electronic data with various data for providing to the P2P-based financial technology service company 1 And may be configured to include various processors.

The advisory support server 200 can be used for various types of public offerings, for example, in the case of public offerings, for example, in the case of a corporation with a negative net profit, a quantitative and qualitative value Can be measured to generate quantitative and qualitative value measurement data.

The advisory support server 200 can calculate the bankruptcy probability of the corresponding company through various scenario approaches by using the correlation between the debt ratio and the default rate with the accumulated public offer data.

The financial support server 300 may include various data for financial services performed in the affiliated financial institution 3, and various processors for processing and communicating electronic signals.

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And a processor for performing communication.

In addition, the financial support server 300 executes an open call subscription loan to the loan applicant 4 whose affiliate financial institution 3 has been approved for loan by the P2P-based financial technology service company 1, And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the interest and principal repayment procedures.

Also, the financial support server 300 performs the payment of the interest on the investment once or plural times to the investor 5 who has deposited the investment money by the affiliated financial institution 3, and when the investment period expires, And a processor for performing communication and processing of various data and electronic signals necessary for proceeding to return to the portable terminal 5.

The subscription support server 600 may include a processor for processing and communicating various data and electronic signals required for various processes in order to proceed with the subscription.

The subscription support server 600 can perform the agency demand forecasting investigation for subscription to the public offering. The subscription support server 600 can perform the subscription and assignment process. The subscription support server 600 may generate and provide various information for subscription to the public offering. For example, the subscription support server 600 may be installed in a securities company that administers the public offering subscription procedure. However, the present invention is not limited thereto, and can be variously modified and applied as needed.

The subscription support server 600 can provide the financial technology service apparatus 100 with the difference between the outcome of the agency demand forecast for the IPO, the subscription and placement result of the subscription, and the out-of-market price and IPO price.

The results of institutional demand forecasts include at least one of the number of participating institutions involved in the demand forecast, the competitive rate, the number of reliable institutions participating, the size of the institutional capital, the presence of commitment conditional allocations, pension funds, mutual funds, .

In addition, the subscription support server 600 can provide the financial technology service apparatus 100 with an application amount (amount) according to the loan applicant class for each principal securities company. To this end, the subscription support server 600 can fetch relevant information through communication with the subject securities company server.

Here, each institution participating in the agency demand forecast can be classified according to the agency rating. The criteria for dividing the rating of an institution may be capital, the size of the asset to be managed, the career of the manpower, or the difference in the return on investment in IPO.

The subscription support server 600 may provide various public subscription information to the financial technology service apparatus 100. [

Here, the public offering subscription information can be implemented in the form of a securities declaration form. The securities declaration can be corrected and announced whenever there is a correction.

The securities report may include summary information, recruitment or sales matters, investment risks, investment risks, and the opinion of the subcontractors.

The summary information includes information such as the type of securities, the number of securities, the face value, the amount of sales, the total amount of the sales, the method of sales, the type of the insurer, the type of securities, Date of submission, date of subscription announcement, and date of subscription announcement.

Matters regarding the stocks to be forecasted for demand, forecasts for participation in the project, and maximum and minimum limits.

The results of institutional demand forecasting can include demand forecast participation participation, demand forecast distribution, distribution of obligations hold commitment, determination of the price per share determined by the shareholders,

Here, demand forecasting participation may include the number of participation, the number of applications, and the competition rate. The demand forecast distribution price distribution can be sorted according to the number of participation and the number of applications by each price distribution, and the number of participation criteria can include the participation rate and the ratio. The application quantity standard may include the application quantity (note) and the ratio.

Commitment of obligations can be divided into 3 months commitment, 1 month commitment, and 15 days commitment. At this time, it can be expressed as the ratio of the total number of participation or the number of applications.

The subscription margin, for example, may not have an institutional investor's subscription margin. On the other hand, the general investor 's subscription margin can be 50% of the subscription amount, for example. However, the present invention is not so limited anymore and may for example be 30% or 100% of the subscription amount.

At this time, according to the type of subscriber type, the allocation ratio is changed according to the demand forecast result for the institutional investor. On the other hand, if there are remaining shares that are not under subscription among the allocation types according to the subscriber type group, they can be allocated to the allocation of other terms with excess subscription in proportion to the number of subscription shares.

If the subscription margin of a general investor is replaced with a subscription payment on the due date of the subscription payment and the subscription margin is less than the subscription payment and the subscription amount is not received from the subscriber until the subscription date, It can be acquired by self-calculation. In addition, if there is margin for oversubscription, it may be returned on the due date. In this case, the subscription margin can be made without interest.

Institutional investors may be exempt from the subscription margin in public offerings. 100% of the amount allocated for the subscription shall be paid to the representative company on the date of payment. The payment amount may be replaced with a contribution payment on the payment due date. If the amount of the payment is less than the amount paid for the shares to which the institutional investor submits, the representative managing company may acquire the shares corresponding to the amount less than the amount of the shares to be paid by self-calculation as stipulated in the gross receipt contract.

FIG. 3 is a diagram for explaining a financial technology service apparatus in a financial technology service system for an open call subscription money laundering according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service apparatus 100 may include a data storage unit 110 and a processor 120.

The data storage unit 110 may store the loan application information, the investment product information, and the investment application information including the public offerer information and the loan condition information for applying for the public offering subscription loan received from the first information terminal 400 .

The processor 120 receives the loan application information including the open call option information and the loan condition information for subscription to the public information from the first information terminal 400 and opens the investment product based on the loan application information.

The processor 120 may receive the investment application information for the investment goods opened from the one or more second information terminals 500 and perform the investment attraction process so that the investment money can be deposited.

The processor 120 may execute the open call subscription loan using the deposited investment to process data and electronic signals for transferring the loan to the account specified in the loan application information.

The processor 120 may perform the interest settlement and the investment return process based on the open call subscription on the payment date according to the IPO allocation.

Here, the public offering subscription price can be divided into margin and balance. Accordingly, the processor 120 can additionally provide the remaining balance of the subscription cash to be issued when the allocation of the subscription margin is made more than the predetermined amount while the subscription margin is provided.

At this time, based on the loan demand information received from the first information terminal 400, the processor 120 calculates the loan demand based on the difference between the agency demand forecast result for the corresponding IPO, The limit can be determined.

The processor 120 can input the amount of the loan application from the loan applicant within the determined maximum loan limit and perform the investment inducement process.

Accordingly, the processor 120 can notify that the loan can not be made when the amount of the loan application inputted from the loan applicant exceeds the maximum loan limit. At this time, the processor 120 can instruct the lender to correct the loan application amount.

The processor 120 may receive the difference between the agency demand forecast result, the subscription offer and assignment result, the out-door offer price, and the offer price from the subscription support server 600.

For example, the processor 120 may determine the maximum loan limit based on the agency demand forecast for the corresponding IPO based on the loan application information received from the first information terminal 400. [

For example, the processor 120 may determine the maximum loan limit based on the subscription and assignment results for the corresponding IPO based on the loan application information received from the first information terminal 400. [

For example, the processor 120 may determine the maximum loan limit based on the difference between the out-door offer price and the offer price based on the loan application information received from the first information terminal 400. [

For example, the processor 120 may determine the maximum loan limit based on the agency demand forecast result for the corresponding IPO, the quadrant subscription, and the assignment result based on the loan application information received from the first information terminal 400.

For example, the processor 120 may determine the maximum loan limit based on the difference between the out-of-bidding price and the offer price based on the loan demand information received from the first information terminal 400 .

For example, based on the loan application information received from the first information terminal 400, the processor 120 determines the maximum borrowing limit according to the difference between the out-of-service offer price and the offer price for the corresponding open- .

For example, based on the loan request information received from the first information terminal 400, the processor 120 may calculate the loan demand based on the difference between the agency demand forecast result for the corresponding IPO, The maximum loan limit can be determined.

Here, the results of institutional demand forecasting include at least one of the number of participating institutions in the demand forecast, the competition rate, the number of trusted institutions, the size of the institutional capital, the presence of commitment conditional allocations, pension funds, . ≪ / RTI >

In addition, the processor 120 can acquire an application amount (amount) according to the loan applicant class for each principal securities company. The processor 120 can fetch the corresponding information through communication with the subject securities company server.

Here, each institution participating in the agency demand forecast can be classified according to the agency rating. The criteria for dividing the rating of an institution may be capital, the size of the asset to be managed, the career of the manpower, or the difference in the return on investment in IPO.

Here, the commitment condition allocation quantity may be, for example, a 7-day commitment condition allocation quantity, a 1-month commitment condition allocation quantity, and a 3-month commitment condition allocation quantity. However, the present invention is not limited thereto and can be 2 weeks, 15 days, 30 days, 2 months, 4 months, 5 months, 6 months.

Also, the financial technology service device can display the subscription subscription rate and the quantity and amount of the subscription expected when the subscribe subscription is made at an arbitrary amount, on the first information terminal.

In addition, the financial technology service device can display the open-to-order application amount information according to the lending applicant class for each principal securities company on the first information terminal.

At this time, the processor 120 provides the public offer subscription rate to the first information terminal 400, and when the subscription is made with the corresponding amount, the processor 120 provides the expected quantity and amount to be allocated, can do.

For example, the processor 120 may display the expected quantity and amount of money to be offered in advance in the first information terminal 400 according to the open call subscription rate if the open call subscription is made for the corresponding open call price.

For example, the subscription subscription rate is 10: 1, 100: 1, and 1,000: 1.

The processor 120 may display the expected quantity and amount of the allocation when the subscription is made to the corresponding IPO at the relevant time point based on the real-time subscription rate during the subscribe subscription period.

The processor 120 may display the quantity and the amount of money to be allocated to the corresponding subscription for the corresponding IPO, reflecting the subscription rate determined when the subscription period is completed.

In addition, the processor 120 may open an investment product based on the loan application information when the platform usage fee is paid in accordance with the loan application information.

The platform fee may be equivalent to a performance bond. For example, the platform fee can be 1% to 3% of the maximum amount of the loan. However, the present invention is not limited in any way, and any variations are possible.

The platform fee can be used to secure the stability of the process according to the progress of the public offering loan.

For example, if an applicant for a loan is found to be false in the information on the subscription for subscription loan application, the platform usage fee paid may not be refunded to the applicant's account. Accordingly, it is possible to effectively prevent users who write down false information, apply for a loan, cancel a loan application in the middle, and lower the stability and reliability of the platform in advance.

The non-refundable platform fee may be operated with the operating cost of the financial service device 100 and the compensation cost to the investors. However, the present invention is not limited to the operation of the non-refundable platform fee, and various modifications are possible.

For example, the platform fee may be refunded to the investor if the borrower's dismissal, misrepresentation, or disqualification is caused by the applicant's reasons, To be used to provide information.

Of course, in the case of satisfying the platform fee refund condition, the platform fee paid can be refunded to the applicant's account. The conditions for refunding the platform fee may be, for example, cancellation before opening investment products, cancellation due to force majeure disaster, or not achieving the target investment amount. However, the present invention is not limited to the operation of the refunded platform fee, and various modifications are possible.

In this way, after the platform fee is paid together with the application of the subscription for public subscription from the applicant of the loan, the investment item opened based on the application information of the loan is made available for the investors to view and the investment proceeds. In addition, if there is a cancellation of the loan proceeding while the investment attraction is completed or proceeded, the deposited investment and platform fee may be refunded to the investor's account.

The processor 120 may receive the investment application information for the investment goods opened from the one or more second information terminals 500 and perform the investment attraction process so that the investment money can be deposited.

When there is a request to cancel loan progress from the first information terminal 400, the processor 120 may process the deposited investment funds and the platform fee to the account of the investor designated in the investment application information.

Here, when the depositing of the investment money is completed, the processor 120 may execute the public money subscription loan and process data and electronic signals for transferring the loan to the account designated in the loan application information.

The processor 120 may receive from the first information terminal 400 through the loan application menu to receive the loan application information.

In the course of performing the investment attraction process, the processor 120 displays a menu for investing the investment product information so that at least one second information terminal 500 can view the corresponding investment goods information when the platform usage fee is paid in accordance with the information on the public offering subscription loan application information can do.

Accordingly, if there is a request for a click on the investment menu from the second information terminal 500, the investment goods information can be browsed. The reading of the investment goods information can be realized by browsing the outline information and browsing the detailed information.

If there is a request to cancel loan progress from the first information terminal 400 in a state where the investment has been attracted in the process of refunding to the account of the investor, the processor 120 allocates the deposited investment and platform fee to the investment information It may be possible to refund to the investor's account.

If there is a request for cancellation of the loan progress from the first information terminal 400 while the process of attracting the investor to the account of the investor is in progress, the processor 120 transmits the deposited investment and platform fee to the investment application information It may be possible to refund to the account of the designated investor.

If there is a request for cancellation of the loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment is in the process of refunding to the account of the investor, It may be possible to refund the fee to the investor's account specified in the investment application information.

If there is a request to cancel the progress of the loan from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment money is not available in the process of refunding to the account of the investor, It may be possible to refund the account of the applicant for the loan specified in the information.

The processor 120 receives a cancellation request of the loan progress from the first information terminal 400 in a state where the final deposit amount of the investment money is smaller than the target investment amount but is larger than the preset loan advance commitment amount in the process of refunding to the investor's account, , It may be possible to refund the deposited investment and platform fee to the investor's account specified in the investment application information.

The processor 120 determines whether the loan proceeds from the first information terminal 400 in the state that the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, If there is a cancellation request, it may be possible to refund the platform usage fee to the lender's account specified in the lending application information.

In this process, the demand forecast investigation process can be performed. In other words, the processor 120 performs a demand forecasting investigation process for a contingent offering to perform a contingent offering loan through communication with the second information terminal 500 based on the lending application information received from the first information terminal 400 And return the demand forecast investigation result information to the first information terminal 400. [

The processor 120 may receive the loan application information including the loan condition information that has been reflected by the demand prediction investigation result information from the first information terminal 400. [

Here, IPOs can be IPOs whose value can be determined by demand forecasting due to the absence of official price information or price volatility.

For example, the public offering offer loan application information may include the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness rating. The stock investment credibility rating is based on the absolute valuation based on the absolute return based on the stock returns of the applicant and the second valuation based on the relative profit, And may be a calculated rating based on a combination of rating ratings.

The advisory support server 200 calculates the value of the IPO on the basis of the IPO request signal received from the financial technology service device 100. The open market value evaluation result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

If the consulting support server 200 is an open call option, it can generate various kinds of scenario accessing processes for the open call offering and generate the banking probability information of the corresponding company.

The advisory support server 200 may generate the risk management information for the requested contra premium. Risk management information is generated through evaluation of data and analytical techniques on the value of the IPOs submitted for evaluation.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 and receiving the investment money.

The financial support server 300 performs a loan progress process for the loan applicant who has been approved for loan by the financial technology service apparatus 100 and performs the process of depositing the loan to the deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the loan application information received from the first information terminal 400 to the financial technology service apparatus 100 Receiving and storing. In addition, the financial support server 300 communicates with the first information terminal 400 of the lender applicant 4 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 conducts a financial transaction process in which the investor 5 depositing the investment money deposits the interest into the designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the investment application information received from the second information terminal 500 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process in which the investment money is returned to the investor 5 account when the investment period expires.

The first information terminal 400 and the second information terminal 500 may be connected to each other via a communication network so that they can transmit and receive data to and from the financial technology service apparatus 100 and the financial support server 400.

The communication network is a communication network which is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next-generation wireless network including WiFi, Wibro, and Wimax for providing Internet or high-speed multimedia service.

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 can provide an environment in which the loan applicant 4 and the investor 5 can be connected to the financial technology service apparatus 100 and the financial support server 400 to provide. Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. The communication network transmits signals and data between the first information terminal 400, the second information terminal 500, the financial technology service apparatus 100, and the financial support server 400.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100 and the financial support server 400 through a communication network and can perform all kinds of wired / Device.

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, the first information terminal 400 and the second information terminal 500 may include a Palm PC, a smart phone, A user terminal 200 for accessing a financial financial support service apparatus 100 such as a mobile game terminal, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, Interface < / RTI > device.

Particularly, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone is not limited to a general mobile phone (a feature phone) Application As a phone based on an open operating system that can be freely used and deleted by downloading the program, it is possible to use not only general voice / video call, Internet data communication, but also all mobile phones Or a communication device that does not have a voice call function but includes all Internet phones or Tablet PCs that can access the Internet.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As such, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a general term for a communication configuration for connecting wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

Also, the wireless network communication module includes a mobile communication configuration that performs connection, location registration, call processing, call connection, data communication, and handoff to the mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard. The present invention is not limited to the wireless communication configuration provided by the present invention.

The short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

FIG. 4 is a flowchart illustrating a method of providing a financial technology service for an open call subscription loan according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service device 100 receives the open call subscription loan application information from the first information terminal 400 (S10).

Here, the loan application information may include an item name, a stock number, a desired amount of a loan, a deposit account number, a name, a telephone number, an e-mail address, and an IPO valuation rating of an IPO.

The evaluation rating may include the stock investment trustworthiness evaluation rating of the applicant who has been calculated and given by the evaluation process of the financial technology service device 100. [ The stock investment credibility rating is based on the absolute valuation based on the absolute return based on the stock returns of the applicant and the second valuation based on the relative profit, And may include a third evaluation grade calculated based on the evaluation ratings.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and provides screen information for receiving the loan application information from the first information terminal 400 to the first information terminal 400 .

For example, the financial technology service apparatus 100 may provide a agreement agreement screen for inputting loan application information, a member information input screen, a loan contestant selection screen, and a loan condition input screen.

The loan member information input screen includes a name input field, a telephone number input field, an authentication code text sending request object, an authentication code input field, an authentication confirmation request object, an authentication completion display object, an email input field, a loan receipt account selection field, , A selection completed object, and a new account registration object.

The new account registration object may include a financial institution selection object, an account number input field, a real account authentication confirmation object, and an authentication completed object.

A window asking whether to assign the newly registered account as the loan receipt account may be displayed.

The desired loan amount input field may be displayed. The loan desired amount field may be displayed to input the minimum amount and the maximum amount.

The loan interest rate input field is displayed. For example, the unit of information entered in the loan interest rate input field is the annual rate, which can be expressed as a percentage. The loan interest rate can be limited, for example, to an annual interest rate of up to 20%. However, the present invention is not limited thereto.

The funding period input field can be displayed. The funding period input field may be displayed to input a start date and an end date.

The loan execution day input field can be displayed. The execution date of the loan can be set to be executed on the next business day, for example, three days after the completion of funding. Or the date of execution of the loan may be set so that the loan is executed on the contest anniversary date.

The loan term selection object can be displayed.

A platform usage fee input field may be displayed. The platform fee can be financed based on the funding amount after the settlement with the maximum amount. The platform usage fee input field may include an application rate selection field, a minimum amount thereof, and a maximum amount field.

A loan application button may be included. When the application button is pressed, the application for the loan is completed. A loan application completion message may be displayed. For example, the message to complete the loan application is as follows: "The loan application has been completed. I will contact you after confirming the contact person. "

When the loan application is completed, the platform fee payment guidance message and the execution button may be displayed. For example, the platform fee billing message might say, "Your loan application has been completed. Would you like to pay for the platform fee?"

When the platform fee payment is completed, a funding start guide message and an execution button may be displayed. For example, the message to start funding may be displayed as "The platform fee payment has been completed. Do you want to start funding?"

The financial technology service apparatus 100 calculates a loan demand based on the loan demand information received from the first information terminal 400, the agency demand forecast result for the corresponding public offering stock, The loan limit can be determined (S20).

When the financial technology service apparatus 100 requests the demand prediction survey from the first information terminal 400, the financial technology service apparatus 100 determines the possibility of attracting the investment secured through the loan demand forecast examination process for the investors, (S30). [0033] In the above-described embodiment,

That is, when there is a request from the first information terminal 400, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand prediction P2P platform for loan demand prediction. According to the result of the loan demand prediction, the lender guidance information or the non-lender guidance information can be transmitted to the first information terminal 400. [

The financial technology service apparatus 100 may generate demand prediction request information for aggregating investment available funds to be invested in the public offering subscription loan using the demand forecast P2P platform according to a request from the first information terminal 400 .

Demand forecasting information may include information on loanable amount, loan interest rate, loan period, early repayment, profit share ratio, and interest payment method.

As a result, investors participating in demand forecasts can enter a loan amount of, for example, 50 million won. You can enter 5.6% per annum on the lending rate. The loan period can be set at 30%. You can choose between interest and compound as interest payment method.

The financial technology service apparatus 100 may transmit the demand prediction request information to the second information terminal 500 and receive the demand prediction result information from the second information terminal 500. [

The financial technical service apparatus 100 judges whether or not the collection amount is satisfied based on the demand forecast result information, and when the collection amount is satisfied, the lending guidance information is transmitted to the first information terminal 400 And if the collection amount is unsatisfactory, the non-delivery guidance information can be transmitted to the first information terminal 400.

Meanwhile, the financial technology service apparatus 100 stores the demand forecast result information received from the second information terminal 500.

The demand forecasting investigation process can be used to predict the response that the loan applicant's proposed loan conditions will cause on that platform. Through the demand forecasting process, the applicant can determine whether the loan conditions he or she intends to propose are appropriate. For example, a loan applicant may be able to receive a loan even if he or she proposes conditions favorable to him or her rather than a first-call-wish proposal condition submitted to the demand forecasting process. For example, a loan applicant can determine that a loan can not be made under the initial proposal conditions submitted to the demand forecasting process. Those who are notified of advance demand forecasts for loans can be targeted to users registered as loan investors in advance.

The financial technical service apparatus 100 opens an investment product based on the open call subscription loan application information received from the first information terminal 400 when settlement of the platform usage fee is completed, (500) can be browsed so that the investor can apply for investment and receive the investment money from the investor (S40).

If the financial technology service apparatus 100 requests the cancellation of the loan progress from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investor And the platform fee refund process (S50).

When the investment inducement is normally completed, the financial technology service apparatus 100 performs a loan account pledging process through communication of the first information terminal 400 (S60).

The financial technology service apparatus 100 pays the public offering loan money to the loan account in which the pledge is set (S70) when the lending account pledge setting process is completed.

For this purpose, the financial technology service apparatus 100 can perform the process of paying the public offering subscription loan through the financial service performed in the affiliated financial institution 3 through communication with the financial support server 300.

Then, the financial technology service device 100 can receive the public placement information from the subscription support server 600. The subscription support server 600 deducts the allocation amount as the IPO allocation is completed and deposits the remaining amount in the loan account set in the pledge.

Accordingly, the financial technology service apparatus 100 can only repay the loan to the investor from the remaining amount deposited in the pledged loan account (S80).

On the other hand, when the payment of the loan is completed, the financial technology service apparatus 100 can cancel the pledge of the loan account and pay the investor the investment proceeds (S90).

FIG. 5 is a flowchart for explaining a demand forecasting investigation process in a financial technology service method for an open call subscription money laundering according to an embodiment of the present invention.

Referring to FIG. 5, the demand forecasting request information is generated in order to aggregate the available funds to be invested in the public offering subscription loan using the demand forecast P2P platform (S31).

Here, the demand forecast request information may be generated based on the loan application information for requesting the public money subscription loan received and stored from the first information terminal 400 by the financial technology service apparatus 100. [

The demand forecast request information is generated based on the evaluation result data on the contingent stock received from the advisory support server 200, the value estimation result information, the bankruptcy probability information of the corporation, and the risk management information .

The evaluation result data on the open call cost is generated by the advisory support server 200 receiving the open call cost evaluation request signal from the financial technology service apparatus 100 and performing evaluation on the open call cost and returned to the financial technology service apparatus 100 .

The IPO value calculation result is generated by the advisory support server 200 by calculating the value of the IPO based on the IPO request signal received from the financial technology service apparatus 100 and provided to the financial technology service apparatus 100 .

The bankruptcy probability information of the corporation is generated by the advisory support server 200 by executing various scenario access processes for the open market shares.

The risk management information is generated for the contingent offered by the consulting support server 200. Risk management information is generated through evaluation of data and analytical techniques on the value of the IPOs submitted for evaluation. .

Accordingly, the financial technology service apparatus 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 500 (S32).

The demand forecast request information may include investment participation check information to see if there is an intention to participate in the investment for the public offering loan. In addition, the demand forecast request information includes loan application information for forecasting demand, evaluation result data on public offering stock, information on the result of calculating an IPO value, probability of bankruptcy information of a company, risk management information Information, or offer amount information may be included.

Thereafter, the financial technology service apparatus 100 receives the demand forecast result information from the second support terminal 500 (S33).

The demand forecast result information may include investor information, investment result check result information, and investment fund information. Here, the investor information may include the investor's contact information. The contact information may include e-mail, telephone number, SNS account information, preferred public offer information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information.

The results of the investment participation check check may include information indicating that they are willing to participate in the investment for the public offering subscription loan.

The investment fund information may include the amount of the investment fund, the investment period, and the investment type information. Information on investment type can include interest income investment, equity participation investment, interest income and equity participation investment. The financial technology service apparatus 100 stores demand forecast result information.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S34). In accordance with the determination result, the financial technology service apparatus 100 transmits the creditable guidance information to the first information terminal 400 (S35).

On the other hand, if the collection amount is unsatisfactory according to the determination result, the financial technology service device 100 transmits the non-circulation guidance information to the first information terminal 400 (S36).

FIG. 6 is a view for explaining a process of refunding investment funds and a platform fee in the P2P IPO loan financial service according to an exemplary embodiment of the present invention.

6, when the financial technology service apparatus 100 receives a request for cancellation of the public fund subscription loan progress from the first information terminal 400 while the investment amount is being paid or the investment is being paid in the process of refunding the investment fund and the platform fee, It may be possible to refund the deposited investment and platform fee to the investor's account specified in the investment application information.

If the financial technology service apparatus 100 requests the cancellation of the loan progress from the first information terminal 400 while the investment attraction process is in progress in the process of refunding to the account of the investor, Refund can be made to the investor's account specified in the application information.

If there is a request to cancel loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment is in the process of refunding to the account of the investor, The investor and the platform fee can be refunded to the account of the investor specified in the investment application information.

The financial technology service apparatus 100 proceeds from the first information terminal 400 to the first information terminal 400 in the process of refunding to the account of the investor while the total final deposit of the investment money is smaller than the target investment amount, , The invested money and platform fee can be refunded to the account of the investor designated in the investment application information.

On the other hand, if there is a request to cancel loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment money is not available in the process of refunding to the account of the investor, The platform fee can be refunded to the account of the applicant for the loan specified in the application information.

The financial technology service apparatus 100 transmits the amount of money deposited from the first information terminal 400 to the first information terminal 400 in a state where the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, If there is a request to cancel the loan proceeding, it may be possible to refund the platform fee to the account of the applicant for the loan specified in the application information.

Meanwhile, in the embodiment of the present invention, in order to secure the stability of the process according to the progress of the public offering subscription loan, the platform applicant pays the platform usage fee in the name of the performance deposit.

In another embodiment of the present invention, in order to double the stability of the process according to the progress of the IPO loan, the platform fee may be claimed as the performance deposit for the investor under certain conditions.

For example, if an investor cancels the investment by canceling the investment while the investment attraction process is completed, if the loan can not be made, the stability and reliability of the platform may be deteriorated. Therefore, in this case, it is possible to refund the investment money, except for a part of the security guarantee cost due to the cancellation of the investment. The present invention is not limited to the platform fee charge for the investor, and various modifications may be possible.

In the embodiment of the present invention, a description has been given in detail of a P2P loan finance technology service method for performing a loan to a loan applicant who applied for an open call subscription loan.

It also explained how to borrow money from investors who want to invest their cash assets in a crowdfunding way.

However, in an embodiment of the present invention, a description of a conventional procedure of a public offering subscription loan, a P2P loan, a crowd funding, and processing of data and electronic signals for performing the procedure may be omitted. Such parts can be variously selected and implemented by ordinary procedures and data and electronic signal processing if they have knowledge of the relevant field, so that even if they are not specifically described, It can be seen that financial technology service methods can be implemented in various ways.

Also, in one embodiment of the present invention, the information on the subscription for subscription for subscription loan includes the item name, the number of shares, the desired amount of loan, and the stock investment trustworthiness evaluation rating, And a second evaluation class based on the relative profit which is calculated by linking the first evaluation class to the first evaluation class and the change rate of the market information to the first evaluation class .

Accordingly, in another embodiment of the present invention, it is possible to implement a financial technology service method for a public offering loan by applying a stock investment reliability evaluation based on stock investment performance. In other words, based on the absolute profit-based investment performance based on the stock trading information of the evaluator, such as the investor who specializes in off-shore stocks, and the relative profit-based investment performance calculated by associating the composite index, , It is possible to determine the limit of financial transactions at the time of public offering loan or investment inducement by calculating the evaluation grade for evaluating the stock investment reliability of the subject to be evaluated and to perform the financial technical service for the public offering loan .

To this end, in another embodiment of the present invention, the financial technology service device may include a stock trading and market information collecting unit, an evaluation class calculating unit, an evaluation class providing unit, a financial transaction limit determining unit, and a data storing unit.

The financial technology service device can collect stock market information and stock market information through the stock trading and market information collection department. Based on the absolute profit-based investment performance calculated based on the stock trading information of the subject to be evaluated through the evaluation level calculation section and the investment performance based on the relative profit calculated by associating the composite index, the index of each business type, The rating scale for evaluating the stock investment reliability of the subject can be calculated. The evaluation level of the evaluation subject can be provided to the information terminal together with the identification information of the evaluation subject through the evaluation rating provider. The limit of financial transactions can be determined based on the rating level through the financial transaction limit decision section.

Here, the evaluation rating calculator can calculate the evaluation grade for determining the financial transaction limit of the person to be evaluated. The evaluation level can be calculated by taking into consideration the absolute profit-based investment performance and the relative profit-based investment performance.

The absolute return-based investment performance can be calculated based on the stock trading information of the subject. Here, it can be calculated as the first evaluation rating. Investment performance based on relative profit is calculated by associating composite index, industry index, sales basis, and similar company information. Here, it can be calculated as the second evaluation grade.

The Evaluation Division Calculator divides the items of the evaluation subject by the OTC market, KOSPI, KOSDAQ, and Conex by composite index, index by industry, sales, and similar companies.

For example, the rating rating calculator can extract companies in the range of -50% to 200% of the companies that are classified as businesses based on sales.

For example, the evaluation rating calculator can extract companies with the same or similar products as the evaluation target companies, which are more than 40% of the total sales, as extraction criteria of similar companies.

The evaluation division can calculate the investment performance based on the relative profit by associating the change ratio with the warehouse and warehouse period while setting the reflection ratio for each of the composite index, industry index, sales and similar companies.

The evaluation class calculating section may include a first evaluation class calculating section, a second evaluation class calculating section, an application ratio calculating section, and a third evaluation class calculating section.

The first rating rating calculator can calculate the first rating rating of the person to be evaluated. The first rating can be calculated by measuring the first investment performance according to the trading profit of the subject to be evaluated. The first investment performance means the investment performance based on the trading profit of each stock based on the stock trading information of the subject to be evaluated.

And the second evaluation rating calculator may calculate the second evaluation rating of the person to be evaluated. The second rating can be calculated by measuring the second investment performance of the person to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the composite performance index, industry index, sales value, and investment performance of similar companies.

The application rate calculator can calculate the third application rate to be used to determine the financial transaction limit of the person to be evaluated. The third application rate can be calculated based on the first application rate corresponding to the first rating level and the second application rate corresponding to the second rating rating.

For example, the application rate calculating unit may calculate a third value by multiplying a first value obtained by subtracting the minimum value of the application rate from a maximum value of the application rate, a second value obtained by adding the first application rate and the second application rate, A value obtained by multiplying the fourth value obtained by adding the minimum value of the application ratio to 100 can be calculated as the third application ratio.

The third rating rating calculator can calculate the third rating rating of the person to be evaluated. The third rating is a rating determined to determine the financial transaction limit of the person to be assessed. The third rating may be determined in consideration of the first rating and the second rating.

The evaluation-grade providing unit can provide the evaluation level of the evaluation subject to the information terminal together with the identification information of the evaluation subject.

The financial transaction limit determining unit may be implemented by including an item value determining unit, a transaction limit determining unit, an investment management limit determining unit, and a loan application limit determining unit.

The stock value determining part can determine the value of the stock for any open IPO stock. The Transaction Limit Determination Department can determine the allowable transaction limit for the person to be assessed. Here, the limit can be determined by reflecting the third application rate of the evaluator to the calculated stock value. In other words, the limit is the limit that reflects the investment performance. The Investment Management Limit Determination Department may determine the limit on the amount of investment allowed to be assessed. The limit of investment attraction can be determined by reflecting the third application rate of the person to be evaluated.

The loan application limit decision department can determine the allowable loan application limit for the assessor. The loan application limit can be determined by reflecting the third application rate of the person to be evaluated.

According to another embodiment of the present invention, in the financial technology service method for the public offering loan, the stock limit for a loan application applicant who desires to pay a public offering loan using a stock investment reliability evaluation method based on stock investment performance Based on this, it is possible to carry out financial technical service for borrowing of subscription for public offering.

* Here, it is desirable that the applicant for the loan has a history of trading in IPOs in the past. In the financial technology service for public subscription cash advances, the stock investment reliability evaluation based on the stock investment performance is performed, so that it is possible to evaluate the stock investment reliability of the subject to be evaluated based on past investment performance as numerical data It is possible to calculate the loan limit.

For example, a borrower with a subscription to a public subscription loan can draw a high subscription based on the investor's stock investment credibility.

Compared with what is called the standardized loan limit calculation method by the loan limit calculation method based on the stock investment reliability evaluation method based on the stock investment performance, the calculation method of the loan limit of the non-standardization method calculates the loan value based on the intrinsic value of the public offering stock can do.

Therefore, according to the embodiment of the present invention, in the financial technology service method for the public offering loan, the equity investment reliability evaluation based on the stock investment performance is carried out so that the non-standardized method (credit rating, , It is possible to make an additional loan limit to the applicant by using a formalized method of evaluating the stock investment reliability of the evaluation subject by combining the absolute profit-based investment performance and the investment performance based on the relative profit.

At this time, the additional loan portion can be calculated based on the transaction history. Therefore, the applicant for the loan must have a history of selling and selling unlisted stocks in the past. If a loan applicant has a history of trading in past B stocks, the applicant will submit a record of receipt or shipment to the Internal Revenue Service. This is because the National Tax Service needs this record for the purposes of identifying the securities transaction tax and the transfer tax. In addition, these records will remain even if the securities company transfers or pays them to others.

Therefore, the financial service device for the financial technology service for the subscription to public subscription money grants the past absolute return of the borrower through the goods receipt / receipt records submitted to the National Tax Service and transactions of the securities company account, Based on the comparison index, the relative return rate can also be determined, and the expert investor (lender) can be classified and the additional loan can be automatically determined.

For this purpose, the financial service apparatus according to an embodiment of the present invention calculates an evaluation rating based on the absolute profit and the relative profit of a professional investor who desires a loan in the loan limit calculation method for stock investment reliability evaluation based on stock investment performance .

The history of trades conducted by professional investors who wish to lend can be used to gauge the success of investment and the probability of future investment success. And the more data there is, the more reliable the rating will be. This part represents an absolute return-based investment performance.

However, if the investment performance based on absolute profit is reflected along with the absolute profit-based investment performance, the meaning of stock investment reliability evaluation is properly implemented in the financial technology service method for the public offering loan, and the additional loan of the professional investor The amount can be elaborately calculated.

In addition, in one embodiment of the present invention, a description has been given of attracting funds for a public offering loan from a plurality of investors using P2P. However, the present invention is not limited thereto.

For example, the present invention can be suitably implemented using available funds of other financial institutions.

For example, according to another exemplary embodiment of the present invention, a financial technology service method for a subscription for a public offering subscription loan may include receiving, from a first information terminal, loan application information including subscription information for subscribing to a public subscription subscription loan can do.

The financial technical service apparatus can determine the maximum loan limit based on at least one of the difference between the agency demand forecast result for the corresponding IPO, the subscription and assignment result, the out-of-service price and the IPO price based on the loan application information from the first information terminal have.

The financial technical service device can execute the public money subscription loan and process data and electronic signals for transferring the loan to the account designated in the loan application information.

The financial technology service device can perform the interest settlement and loan collection process according to the public offering loan on the payment date due to the IPO allocation.

Here, the loan application information may include loan condition information. In this case, when determining the maximum loan limit, the financial technology service device calculates the maximum loan amount based on at least one of the difference between the agency demand forecast result for the corresponding IPO, the subscription and assignment result, The limit can be determined.

To this end, the financial technology service apparatus may include a data storage unit and a processor for storing loan application information including loan offer information for applying for an open call subscription loan received from the first information terminal, and loan product information.

Here, the processor receives the loan application information from the first information terminal, and based on at least one of the agency demand forecast result for the corresponding open market, the open market offer, the allocation result, the difference between the open market offer price and the open offer price The maximum loan limit can be determined.

The processor may execute a contingency subscription loan and perform processing of data and electronic signals for transferring the loan to the account specified in the loan application information.

The processor can perform the interest settlement and the loan collection process according to the public offering loan on the payment date according to the IPO allocation.

Similarly, the loan application information may include loan condition information. Accordingly, the processor can determine the maximum loan limit based on at least one of the agency demand forecast result for the contra open stock, the difference between the out-of-stock price and the offer price, and the difference between the out-door offer price and the open offer price based on the loan condition information.

Also, in the embodiment of the present invention, public servants have been described, but the present invention is not limited thereto. For example, the present invention can be applied to crowdfunding subscription funds, BW, CB, EB subscription funds, apartment subscription funds, and subscription funds.

That is, the present invention can be suitably applied to a financial item that requires margin and has a high probability that the probability of margins is high.

At this time, the margin deposit may be a single account or multiple accounts.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

Claims (4)

In financial technology service method for payment of subscription price using P2P finance,
Providing a financial technology service apparatus with a member information input screen, a loan item selection screen, a loan condition input screen, and a platform fee input field, which are required for inputting loan application information for payment of a stock subscription price, to an information terminal of a loan applicant; The usage fee input field includes the application rate selection field, the minimum amount and the maximum amount field accordingly)
When the financial technical service device receives the loan application information from the information terminal of the loan applicant, providing a screen for inquiring whether to pay the platform fee or not;
Performing payment processing of a platform fee with a maximum amount of a maximum amount field included in the platform fee input field when there is a platform fee payment request from the information terminal of the applicant;
Providing a funding start guide message and a funding execution button when payment of the platform fee is completed;
Performing funding by opening an investment product based on the loan application information without performing a separate loan examination when the funding execution button is pressed;
When the funding is completed, reassigning the platform fee for the payment according to the financing amount; And
A method of financial technology service for payment of subscription price using P2P financing, including setting pledge on loan account to be used for subscription payment and executing subscription loan to applicant.
A financial technology service apparatus for performing financial technical service for payment of a subscription price using P2P finance,
A data storage unit for storing loan application information and investment product information including stock item information for applying for a stock subscription loan received from the information terminal of the loan applicant and loan conditions; And
A loan item selection screen, a loan condition input screen, and a platform fee input field, which are necessary for inputting loan application information for payment of stock subscription money, to the information terminal of the applicant for loan A minimum amount and a maximum amount field, and a field for inquiring the user whether to pay the platform fee when receiving the loan application information from the information terminal of the loan applicant, When the payment for the fee for use payment is requested, a payment processing of the platform fee is performed with the maximum amount of the maximum amount field included in the platform fee entry field, and when the payment of the platform fee is completed, a funding start guide message and a funding execution button are provided, If the Execute button is pressed, a separate loan check The fund management system is configured to perform the funding based on the loan application information without performing the funding application and to fund the funding fee according to the funding completion amount when the funding is completed and to charge the pledge account for the subscription fee A financial technology service device that includes a processor to set and execute a subscription to the loan applicant.
Providing a membership information input screen, a loan item selection screen, and a platform fee input field, which are required for inputting loan application information for payment of a stock subscription price, to an information terminal of a loan applicant; A selection field, a minimum amount thereof, and a maximum amount field)
When the financial technical service device receives the loan application information from the information terminal of the loan applicant, providing a screen for inquiring whether to pay the platform fee or not;
Performing payment processing of a platform fee with a maximum amount of a maximum amount field included in the platform fee input field when there is a platform fee payment request from the information terminal of the applicant;
Providing a funding start guide message and a funding execution button when payment of the platform fee is completed;
Performing funding by opening an investment product based on the loan application information without performing a separate loan examination when the funding execution button is pressed;
When the funding is completed, reassigning the platform fee for the payment according to the financing amount; And
A method of financial technology service for payment of subscription price using P2P financing, including setting pledge on loan account to be used for subscription payment and executing subscription loan to applicant.
A financial technology service apparatus for performing financial technical service for payment of a subscription price using P2P finance,
A data storage unit for storing loan application information and investment product information including stock item information for applying for a stock subscription loan received from an information terminal of a loan applicant; And
Providing a membership information input screen, a loan item selection screen, and a platform usage fee input field necessary for inputting loan application information for payment of a stock subscription price to the information terminal of the lender applicant (the platform fee input field includes an application rate selection field, Receiving the loan application information from the information terminal of the loan applicant, a screen for inquiring whether to pay the platform fee is provided, and a request for payment of the platform fee from the information terminal of the loan applicant is provided If there is a platform usage fee input field, the platform usage fee is charged to the maximum amount of the maximum amount field included in the platform usage fee input field, and when the platform usage fee payment is completed, a funding start guidance message and a funding execution button are provided. Without going through separate loan screening, The investment commodity is opened and funded based on the loan application information, and when the funding is completed, the platform use fee is financed according to the funding completion amount, the pledge is set for the loan account to be used as the subscription fee, A financial technology service device comprising a processor for executing a subscription loan to an applicant.

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