KR102361897B1 - Method and apparatus for peer to peer investment item information supply service - Google Patents

Abstract

A memory for storing P2P financial product information and P2P financial company information received from a plurality of P2P financial companies, and a plurality of P2P financial product information enables real-time search or comparison, and provides access to P2P financial product information that meets set conditions A P2P financial product information providing service device including a processor for performing a notification function or providing help is provided.

Description

P2P investment product information provision service method and device

The present invention relates to a P2P investment product information providing service method and apparatus, and more particularly, to a P2P investment product that allows a plurality of P2P investment product information to be searched or compared in real time using an information terminal and meets a set condition It relates to a P2P investment product information providing service method and apparatus for performing a notification function for information or providing help.

P2P (Peer to Peer) loan is a type of investment solicitation-based loan financial service. It is a new loan method in which multiple investors (creditors), rather than banks or private finance, collect money and lend directly to individuals or businesses.

P2P lending can reduce recruitment advertising costs and labor costs because all procedures are performed online. Investors can obtain higher returns than bank interest rates, and investment targets receive loans at interest rates that are easier than banks and cheaper than private loans. The market is growing rapidly due to various advantages such as being possible.

Against the backdrop of the global financial crisis and Internet-based technological innovation, the P2P lending market is experiencing rapid growth. In line with this, start-up companies using various business models are attracting the attention of borrowers and investors.

As such, the use of P2P loans is gradually expanding due to their own advantages, such as being convenient compared to traditional financial transaction methods, providing lower interest rates to loan applicants, and providing relatively high returns to investors in a low interest rate environment. trend to become

Meanwhile, the gist of the guidelines of the financial authorities is to limit the investment limit of individual investors to 10 million won per company per year. Accordingly, general investors have no choice but to invest up to 10 million won per company per year, and investors who want more investment in P2P finance must diversify their investments in each P2P platform.

Providing P2P financial product information is an investment environment centered on P2P financial companies that directly face-to-face with investors.

It is true that investors have demands from knowing information about various investment products to post-investment management.

The problem to be solved by the present invention is to make it possible to search or compare a plurality of P2P financial product information in real time using an information terminal, and to perform a notification function for P2P financial product information that meets set conditions or to provide help An object of the present invention is to provide a P2P financial product information providing service method and apparatus.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems not mentioned can be clearly understood by those of ordinary skill in the art to which the embodiments proposed from the description below. will be.

According to one aspect of the present invention, a memory for storing P2P financial product information and P2P financial company information received from a plurality of P2P financial companies, and a plurality of P2P financial product information enable to search or compare in real time, and set A P2P financial product information providing service device including a processor that performs a notification function for P2P financial product information meeting conditions or provides help is provided.

According to another aspect of the present invention, receiving and storing P2P financial product information and P2P financial company information from a plurality of P2P financial companies, and a plurality of P2P financial product information based on the P2P financial product information and P2P financial company information A service method for providing P2P financial product information is provided, which enables real-time search or comparison of .

According to the present invention, products of a plurality of P2P financial companies can be viewed at a glance. In the case of P2P financial companies, it can be used as an efficient marketing channel.

According to the present invention, it is possible to compare various conditions such as a certain product launched by a plurality of P2P financial companies and the yield and investment period of each product at a glance. Accordingly, P2P financial investors can easily find and invest in products.

According to the present invention, the P2P financial product information providing service can perform a kind of P2P financial product integrated exchange function.

Accordingly, it is possible to do everything, including investment and deposit management, in one-stop, as well as simply inquire about investment products within the platform.

1 is a diagram for explaining the concept of a P2P financial product information providing service according to an embodiment of the present invention.
2 is a diagram for explaining a P2P financial product information providing service system according to an embodiment of the present invention.
3 is a diagram for explaining a financial technology service apparatus in a P2P financial product information providing service method according to an embodiment of the present invention.
4 to 12 are diagrams illustrating screens for performing a P2P financial product information providing service method according to an embodiment of the present invention.
13 to 32 are diagrams illustrating screens for performing a P2P financial product information providing service method according to another embodiment of the present invention.

Since the present invention can have various changes and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention.

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

1 is a diagram for explaining the concept of a P2P financial product information providing service according to an embodiment of the present invention.

Referring to FIG. 1 , a P2P financial product information providing service according to an embodiment of the present invention may be provided by a financial technology service company 1 . Here, the financial technology service company 1 may be an investment solicitation-based loan financial technology service company. For example, it could be a peer-to-peer based financial technology services company. However, the present invention is not limited thereto.

A financial technology service company (1) enters into a business alliance with an investment advisor (2) that performs investment value evaluation on P2P financial product information, an affiliated financial institution (3), and an investor (4) and a P2P financial company (5) can be connected in a P2P loan method to provide information on various P2P financial products of the P2P financial company 5 to the investor 4 .

The affiliated financial institution 3 may perform investment deposit, loan payment, interest payment, principal and interest repayment, investment profit payment, and profit distribution settlement procedures.

The P2P financial company 5 may, for example, provide a P2P loan service to a borrower who agrees to pay interest using, for example, cash other than cash as collateral, and wants a P2P loan.

The investor (4) wants to invest in the cash assets they have in a crowdfunding method. For example, the investor 4 may invest cash assets in the P2P financial company 5 in a crowdfunding manner. Accordingly, the investor 4 may be paid the interest set by the P2P financial company 5 and the principal may be repaid on the loan repayment due date, and a portion of the generated profits may be distributed.

Here, the investment advisory company (2), the affiliated financial institution (3), the investor (4), and the P2P financial company (5) are not limited to one each, but may be multiple.

The financial technology service company 1 may determine or determine whether investment is possible with respect to any loan condition information by performing a demand forecasting survey on the investors 4 . Accordingly, the P2P financial company 5 may revise the P2P product information including the loan conditions to correspond to the demand prediction survey result.

The financial technology service company 1 may request the investment advisor 2 to evaluate the P2P financial products operated by the P2P financial company 5 or the P2P financial company 5 . The investment advisor 2 may calculate a value for the requested P2P financial product or P2P financial company 5 and provide it to the financial technology service company 1 .

Meanwhile, the P2P financial company 5 receives an investment application from the investor 4 . The cash assets invested here may be cash assets held by the investor 4 or may be cash assets held by a third party. Here, the investor 4 may preferably be an individual, but the present invention is not limited thereto, and any entity capable of investing cash assets is possible. Therefore, it can be a corporation as well as an individual. Also preferably, the investor 4 may be a plurality of investors, and may be a plurality of investors participating in crowdfunding to form funds for a specific purpose. Preferably, the investor 4 may invest cash funds in a crowdfunding manner and receive investment returns such as interest income or equity income.

Here, interest may be paid in cash or on a voucher or in kind. Here, the investment proceeds may include the investment proceeds generated through the commodity trading business.

The affiliated financial institution 3 may receive investment money from the investor 4 who has received approval of the investment application by the P2P financial company 5 . Here, the affiliated financial institution 3 may be a financial transaction institution such as a bank, a mutual savings bank, a credit union, or a cooperative. The affiliated financial institution 3 may be a lending company. The affiliated financial institution 3 may be a private equity fund operator. The affiliated financial institution 3 may also be a personal asset manager.

The affiliated financial institution 3 may issue a loan to a borrower who has been approved for a loan by the P2P financial company 5 , and may periodically or irregularly perform interest and principal repayment procedures from the borrower.

On the other hand, similarly, the affiliated financial institution 3 pays the investment proceeds such as interest on the investment to the investor 4 who has deposited the investment money on a regular or irregular basis, and when the investment period expires, the investment money is transferred to the investor (4) ) can be returned.

In addition, the affiliated financial institution 3 may perform a revenue distribution and settlement procedure for the profit generated for the investment to the investor 4 who has deposited the investment.

2 is a diagram for explaining a P2P financial product information providing service system according to an embodiment of the present invention.

Referring to FIG. 2 , in the P2P financial product information providing service system according to an embodiment of the present invention, the financial technology service device 100 includes an advisory support server 200, a financial support server 300, and a first It is configured to process and communicate various data and electronic signals for financial technology services by interworking with the information terminal 400 and the second information terminal 500 . Here, the financial technology service may be an investment solicitation-based loan financial service. For example, it could be a P2P lending financial technology service.

The financial technology service apparatus 100 may include various processors for processing and communicating various data and electronic signals required for the P2P financial product information providing service of the financial technology service company 1 .

The financial technology service apparatus 100 may arrange and display products of a plurality of P2P financial companies at a glance. Accordingly, even in the case of P2P financial companies, it can be used as an efficient marketing channel.

The financial technology service apparatus 100 may display a certain product launched by a plurality of P2P financial companies on the first information terminal 400 so that various conditions such as yield and investment period of each product can be compared at a glance. Accordingly, P2P financial investors can easily find and invest in products.

The financial technology service device 100 may perform a kind of P2P financial product integrated exchange function through the P2P financial product information providing service.

Accordingly, the financial technology service device 100 can perform everything, including investment and deposit management, in one-stop, as well as simply inquiring about investable products within the platform.

The advisory support server 200 calculates the value of the P2P financial product or P2P financial company 5 requested for evaluation performed by the investment advisor 2 and provides various data and electronic signals to the financial technology service company 1 . It may be configured to include various processors that perform processing and communication of

The advisory support server 200 measures quantitative and qualitative values based on, for example, P2P financial business progress information of the P2P financial company 5 or various data obtained through direct company visits, etc. Measurement data can be generated.

The advisory support server 200 may calculate the probability of insolvency of the P2P financial business of the corresponding company through various scenario approaches.

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

To this end, the financial support server 300 performs the processing and communication of various data and electronic signals necessary for the affiliated financial institution 3 to receive the investment money from the investor 4 who has received approval of the investment application by the financial technology service company 1 . It may be configured to include a processor to perform.

In addition, the financial support server 300 provides the affiliated financial institution 3 with a loan to the borrower who has been approved for the loan by the P2P financial company 5, and periodically or irregularly performs the interest and principal repayment procedure from the borrower. It may be configured to include a processor for performing processing and communication of various data and electronic signals required for execution.

In addition, the financial support server 300 periodically or irregularly pays interest on the investment to the investor 4 to which the affiliated financial institution 3 has deposited the investment, and when the investment period expires, the investment is transferred to the investor (4) It may be configured to include a processor for performing processing and communication of various data and electronic signals necessary to proceed with the return to the . Here, interest may be paid in cash, vouchers, or in kind. The present invention is not limited thereto, and interest may be paid in various forms according to selection.

In addition, the financial support server 300 may perform a profit distribution settlement procedure for the investment to the investor 4 who has deposited the investment.

3 is a diagram for explaining a financial technology service apparatus in a P2P financial product information providing service method 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 stores P2P financial product information and P2P financial company information received from a plurality of P2P financial companies.

The P2P financial product information may include collateral loan application information including collateral information and loan condition information received from the second information terminal 500 , investment product information, and investment application information.

The processor 120 makes it possible to search or compare a plurality of P2P financial product information in real time using the first information terminal 400 , and performs a notification function for P2P financial product information that meets a set condition or provides help can provide

The processor 120 transmits the value evaluation request information for the P2P financial product or the P2P financial company 4 to the advisory support server 200 . To this end, the processor 120 generates value evaluation request information based on the loan application information input from the second information terminal 500 .

The processor 120 may provide a P2P financial product information providing service to the first information terminal 400 .

Accordingly, the processor 120 may perform a P2P product exchange function in which products of P2P financial companies are traded.

The processor 120 may provide all intermediate processes necessary for introducing products of P2P financial companies and proceeding with investment for the P2P financial product information providing service.

Here, the intermediate process may include deposit management, diversification investment, automatic investment, interest/principal repayment plan, loan applicant interest/principal payment plan, information on P2P financial companies, analysis and opinion on P2P investment products. .

The processor 120 may use the demand forecast for the P2P financial product information providing service.

Due to the nature of P2P investment products, it is not a product with a current price, but a trading method that involves forecasting the demand of investors.

As the P2P financial company and the P2P financial product information provision service system are linked, the P2P financial product information provision service can connect investors by performing demand forecasting instead.

The processor 120 may create an API capable of automatically interworking for the P2P financial product information providing service and provide it to the second information terminal 500 .

The processor 120 can help from demand forecasting for P2P products to actual investment by investors through the P2P financial product information providing service.

The investor 4 can make an actual investment by evaluating the characteristics of P2P financial products as a factor in determining P2P financial products and P2P financial companies that have launched P2P products.

The P2P financial product information provision service may affect the investment decision of the investor 4 by processing the characteristics of the P2P product and data and information on the P2P financial company.

The processor 120 may generate items and rules for determining which data is actually viewed and judged by investors for the P2P financial product information providing service.

The processor 120 may have criteria and expression methods for evaluating investment products and companies for the P2P financial product information providing service.

The processor 120 automatically analyzes and brings the product information funded by the second information terminal 500 in real time, and provides it to the second information terminal 400 of the investor 4 using the P2P financial product information providing service app. can do.

Accordingly, the user can search for investment products between P2P financial companies or the same P2P financial company based on various comparison conditions through the second information terminal 400 .

To this end, the processor 120 may generate comparison data of P2P financial products or company information.

Comparative data may include period, interest rate, participation (number of people) of other investors, or interest. Here, the level of interest initially starts with investors looking at the content of the product and giving a simple star rating, but you can gradually increase the item to give ratings on the components of the product.

For example, it is possible to increase it by simply asking for the opinions of other investors, such as ratings on collateral, ratings on loan corporations, ratings on borrowers, ratings on joint guarantors, etc.

In this case, the rating among investors can be reflected as an important factor in investment judgment.

Investment amount per person The investment amount distribution map, investors' evaluation of collateral assets, investors' participation rate, and funding completion time can also help to make an investment decision based on data.

It can be judged that the high investment amount per person because of the cost compared to other products is an investment product with high reliability or response.

Here, the evaluation may include factors that may affect the loan-to-value ratio, the possibility of converting collateral assets into cash or the time required for cash securitization, and, in the case of real estate, changes in neighboring market prices, and short-term effects.

The participation rate of investors can be provided so that you can refer to how popular they are by showing the ratio of the number of investments funded in other products opened at the same time.

In addition, the processor 120 may provide information on a P2P financial company that has released the corresponding product.

For example, the processor 120 may provide reference data based on loan execution data such as loan amount, repayment amount, situation ratio, default rate, delinquency rate, etc. of the P2P financial company.

The processor 120 is based on the financial statements containing the numbers such as sales, operating profit, net profit, capital, equity capital, debt, etc. of the P2P financial company, based on the numbers in the financial statements, the debt ratio (%), the current ratio (%) ), return on equity (%), operating profit rate (%), sales growth rate (%), operating profit growth rate (%), etc., are provided to review the stability of the company so that it can be used as a reference index for investors. .

Here, the financial statements include the balance sheet and income statement.

You can check or compare data on investor participation in the category (collateral attribute) to which the investment target product belongs, the average interest rate, the highest interest rate, the lowest interest rate, the amount raised, the insolvency rate, the delinquency rate, the period, and the funding deadline of the target product. Various charts and figures are provided so that they can be used as reference materials for investment decisions.

The processor 120 may provide information or range, environment setting, and company information desired by the first information terminal 400 .

Here, as for the company information, information on the company provided by the operator can be confirmed. You can also rate the company. You can leave a brief note about the company. You can ask questions or provide opinions directly to the company. You can also communicate with investors about the company. You can also take notes on how much you have invested in the company.

The second information terminal 400 may check where the newly registered P2P financial company is. You can also check which P2P financial products the P2P financial company has launched. You can register, manage, modify, and check the interest and principal payment schedules for products invested in the P2P financial company, and you can receive notifications and check them in a calendar way.

The second information terminal 400 may determine a company to receive investment information.

The second information terminal 400 may register information about a company that wants to bring a real-time notification.

The second information terminal 400 may check a recently registered company through sorting.

The second information terminal 400 may search for a company.

The second information terminal 400 may set specific conditions for receiving an alarm.

The second information terminal 400 may set conditions such as interest rate, period, collateral attribute, company, notification time, and collection amount.

Investors' deposits cannot be directly received through the account of the P2P financial company (5).

Therefore, the financial technology service company (1) directly registers as an electronic financial business operator (electronic payment, escrow) based on the brand of the P2P financial product information provision service, or transfers and sends deposits from an exclusive account or trust account in the existing financial sector. A function for controlling my deposits, such as payment, investment, and withdrawal, can be added.

Accordingly, various platforms can be provided with an electronic wallet (account) function that enables investment as a deposit of an actual P2P financial product information provision service, thereby minimizing the burden between companies and investors and strengthening the function so that transactions can be performed safely.

It can be a P2P investment product discovered and designed by companies in the P2P financial market.

The processor 120 allows the investors 4 to conveniently invest in these P2P investment products, receive repayment, receive interest, and deposit, withdraw, and deposit the investment.

The processor 120 may provide support for tasks from debt management to collection required in the event of delinquency or default of the investment product.

In addition, the processor 120 may continuously check the repayment of the loan product borrower to establish a system to prepare for the risk of delinquency or insolvency, thereby enabling a preemptive response.

However, in order to do this, it is necessary for the investor to entrust the relevant work for the P2P financial product in which he or she has invested.

Accordingly, the overall area from claim management to collection can be performed.

The processor 120 may provide an API dedicated to the P2P financial product information providing service. Accordingly, it is possible to implement a function within the P2P financial product information provision service, without the real-time import of P2P company product information or the investor directly transferring product investment to the P2P company.

By using the API, when an investor has invested in a product of a specific P2P company, it is possible to provide a function to link data or data to move the deposit, reflect the repayment schedule, or check the stability of the bond. .

In the case of the second information terminal 500 in which the dedicated API is installed, it may be set to have a function of fetching all investment information of investors using the P2P financial product information providing service.

4 to 12 are diagrams illustrating screens for performing a P2P financial product information providing service method according to an embodiment of the present invention.

4 to 12 , a plurality of P2P financial product information may be displayed on the screen of the first information terminal 400 .

The plurality of P2P financial product information may include P2P financial product information generated by a plurality of P2P financial companies.

For each P2P financial product, one P2P financial product information may include the name of the P2P financial company, target amount, recruitment progress rate, annual interest rate, and investment period.

Each P2P financial product information may be sorted in interest rate order, investment period order, and interest level order. Here, the interest rate order may be sorted in the order of interest rate highest.

Each P2P financial product information may be displayed with high visibility.

To this end, when each P2P financial product information is sorted in interest rate order, investment period order, and interest level order, each item serving as a sorting criterion may be highlighted and displayed.

The highlight may be displayed in color, for example. E-lights can be displayed as animation effects.

When a color highlight is displayed, only the color of a menu serving as a criterion for sorting and an item serving as a criterion for sorting may be displayed to be different from other items.

Each P2P financial product information may be displayed in the form of a bar to achieve high visibility when displaying the recruitment progress rate. In this case, the bar indicating the recruitment progress rate may be divided into a plurality of sections. For example, it may be divided into five sections. One section represents 20% attainment, as 5 sections represent 100% attainment. If the recruitment achievement rate is 40%, colors can be filled in two sections of the bar. If the recruitment achievement rate is 50%, color can be filled in two and a half sections of the bar.

In this case, each section is preferably divided by a dividing line. The dividing line is preferably made of a color different from the color filled in the bar.

If there are no sections and dividing lines, visibility may be significantly reduced compared to those having sections and dividing lines.

An animation effect is applied when each section is filled in accordance with the recruitment achievement rate in a plurality of sections, so that each section is sequentially filled.

Each P2P financial product information is read from the second information terminal 500 in accordance with a preset period and displayed. For visibility of each P2P financial product information, the text size is displayed according to the size of the values for the items that are the sorting criteria. There can be a difference.

In order to achieve high visibility of the recruitment achievement rate, the color filled in the section of the stick may be different from each other according to a predetermined value of the recruitment achievement rate.

Therefore, the user can intuitively recognize the recruitment achievement rate even by looking at only the color, even if the number of sections is not counted.

For P2P financial product information provision service, for example, a logo can be created on the left side of the list, and a function called [Memo] can be given by using the right side. Accordingly, the user may make a certain own memo. It may include a menu of [Evaluation].

For example, up to 5 stars can be evaluated simply by splitting them into two stars so that they can be registered.

13 to 32 are diagrams illustrating screens for performing a P2P financial product information providing service method according to another embodiment of the present invention.

13 to 32, it is possible to search or compare a plurality of P2P financial product information in real time based on P2P financial product information and P2P financial company information, and P2P financial product information that meets set conditions is notified It becomes possible to perform a function or provide help.

Although the embodiments according to the present invention have been described above, these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent ranges of embodiments are possible therefrom. Accordingly, the true technical protection scope of the present invention should be defined by the following claims.

Claims (2)

a memory for storing P2P investment product information and P2P financial company information received from a plurality of P2P financial companies; and
Information on a plurality of P2P investment products is displayed on the first information terminal so that a plurality of P2P financial companies have launched certain P2P investment products and P2P investment product conditions, including the yield and investment period of each P2P investment product, can be compared at a glance It is possible to search or compare in real time, and includes a processor that performs a notification function on P2P investment product information that meets the set conditions or provides help,
The processor introduces the P2P investment products of the P2P financial companies and provides an intermediate process necessary to proceed with the investment, and performs investment and deposit management,
The intermediate process is P2P investment product information including deposit management, diversification investment, automatic investment, interest/principal repayment plan, loan applicant interest/principal payment plan, information on P2P financial companies, analysis and opinion on P2P investment product Provision of service devices.
receiving and storing P2P investment product information and P2P financial company information from a plurality of P2P financial companies;
P2P investment product information and P2P investment product information and based on P2P financial company information, enabling a plurality of P2P investment product information to be searched or compared in real time, and performing a notification function for P2P investment product information meeting set conditions or providing help; and
Introducing the P2P investment products of the P2P financial companies, providing an intermediate process necessary to proceed with the investment, and performing investment and deposit management,
The intermediate process is P2P investment product information including deposit management, diversification investment, automatic investment, interest/principal repayment plan, loan applicant interest/principal payment plan, information on P2P financial companies, analysis and opinion on P2P investment product How to provide services.

Images