KR20160123869A

KR20160123869A - Method for providing fund offering service for foundation

Info

Publication number: KR20160123869A
Application number: KR1020150054623A
Authority: KR
Inventors: 박경돈
Original assignee: 박경돈
Priority date: 2015-04-17
Filing date: 2015-04-17
Publication date: 2016-10-26

Abstract

Provided is a method for providing a loan service for foundation. The method includes a step of receiving a loan request event from a loan terminal, a step of calculating a foundation fund and a capability found based on the personal information and the borrower foundation information of the loan terminal included in the received load request event, a step of generating an approval event for the loan request event, when a loan request fund included in the loan request event is between the capability fund and the foundation fund, a step of transmitting the loan request fund to an account related to the loan terminal in response to the generated approval event, and a step of setting the owner of the loan request fund as a foundation loan service providing server as a loaner. So, the certainty of a payback can be improved.

Description

METHOD FOR PROVIDING FUND OFFERING SERVICE FOR FOUNDATION

The present invention relates to a method of providing an entrepreneur loan service.

In recent years, lending services for venture companies, small business owners or individuals have been increasing. However, for credit loans, the credit rating should be higher than a predetermined level. There are a lot of people who have difficulties.

At this time, even if the collateral is not set or the credit rating is low, the method of lending is done by using cash as collateral. In this regard, Korean Patent Laid-Open Publication No. 2009-0100043 (published on September 23, 2009) discloses a method for intermediating a lender and a person who provides a collateral to provide collateral from a plurality of individuals through reverse auction.

However, the above method still has to provide collateral for others, and a reverse auction method should be conducted for this purpose. If there is no person to provide the collateral, it is still impossible to make a loan and a user who has already set up the collateral and is unable to lend with his or her credit rating will lose the opportunity to start a business, This results in the deprivation of opportunities to provide self-reliance for small business owners.

According to an embodiment of the present invention, even if the lender does not set up a security for a lender or does not apply for a credit loan, it calculates the capacity fund and the entrepreneurial fund based on the entrepreneur planning data included in the lending request event, In this paper, we propose a method to determine whether a loan should be granted or not. However, by setting the ownership of the loan to the borrower and transferring the loan only to the borrower, Or to provide an opportunity for individual entrepreneurship, to set up collateral in entrepreneurial rights provided by entrepreneurship funds, to repay all of the loan request funds in the form of a store lease, to return the entrusted entitlement , The burden of initial fund raising and business failure for the founder is determined And the risk of withdrawal of funds due to the increase of the loan customers and the setting of the collateral can be reduced in the banknote, so that it is possible to provide a method of providing the entrepreneur loan service which enables the lender and the borrower to win-win together. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a method for providing a loan request, the method comprising: receiving a loan request event from a loan terminal; Generating an approval event for the loan request event when the loan request fund included in the loan request event is the amount between the capacity fund and the startup fund; And transferring the loan request money to an account linked to the loan terminal, and setting an owner of the loan request money as an entrepreneur loan service providing server which is a loaner.

According to another embodiment of the present invention, there is provided a method for managing entrepreneurship, comprising the steps of: receiving a loan request event from a loan terminal; calculating entrepreneurship funds and ability funds based on loan entrepreneurship information and personal information of a loan terminal included in the received loan request event; Generating an approval event for the loan request event when the loan request fund included in the loan request event is an amount between the capability fund and the startup fund; issuing the loan request fund in response to the generated approval event; Setting a security for the entrepreneur's right of the lender of the loan terminal based on the loan request money, withdrawing the amount of the loan request money from the account linked with the loan terminal on the basis of the predetermined contract with the loan terminal Step, if the amount withdrawn is equal to the sum of the reimbursement of the loan request funds and the fee, The method comprising the steps of: confirming whether or not a customer is returned to the store lease from the loan terminal; transmitting a request for transferring ownership of the business entity to the loan terminal when a request to return the customer right is issued from the loan terminal to the store lease; And a step of depositing an evaluation amount into an account linked with the loan terminal based on the received value evaluation data, wherein the step of depositing the evaluation amount includes the steps of: In this case, it is possible to receive the valuation data and to withdraw the difference between the valuation amount based on the valuation data and the withdrawn amount from the account linked with the loan terminal or deposit it into the linked account and release the security setting.

According to any one of the tasks of the present invention described above, even if the lender does not set up the collateral for the lenders or apply for the credit lending, the ability fund and the entrepreneurial fund are calculated based on the entrepreneur planning data included in the lending request event In addition, it is possible to determine whether a loan should be granted or not in accordance with the request for start-up, but to set aside the ownership of the loan to the borrower and to transfer the loan only to the borrower. It is possible to provide entrepreneurs with a chance to start a business or a person who is still difficult to establish a mortgage, to reduce the burden on the founder of difficulties in initial funding and business failure, and in the loan industry such as banking, Or who can not set up a mortgage And by setting the initial collateral or credit rating, although there is less risk of collateral on the loan payback is converted watering can increase the certainty of payback.

FIG. 1 is a block diagram for explaining a start-up loan service providing system according to an embodiment of the present invention.
FIG. 2 is a block diagram for explaining an entrepreneur loan service providing server shown in FIG. 1. FIG.
FIG. 3 is a view for explaining an embodiment in which the start-up loan service shown in FIG. 1 is implemented.
FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the entrepreneur loan service providing system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a start-up loan service according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram for explaining a start-up loan service providing system according to an embodiment of the present invention. Referring to FIG. 1, the entrepreneur loan service providing system 1 according to an embodiment of the present invention may include a loan terminal 100, an entrepreneur loan service providing server 300, and an interworking terminal 400. However, the system 1 for providing the start-up loan service of FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, the loan terminal 100 may be connected to the start-up loan service providing server 300 through the network 200. The loan terminal 100 may be connected to the interworking terminal 400 through the network 200. The entrepreneur loan service providing server 300 may be connected to the interworking terminal 400 through the network 200. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as terminals and servers. An example of the network 200 is an Internet, a LAN (Local Area Network) ), Wireless LAN (Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), 3G, 4G, LTE, VoLTE, Wi-Fi, Bluetooth, NFC, RFID, But is not limited to. The loan terminal 100, the start-up loan service providing server 300 and the interworking terminal 400 shown in FIG. 1 are not limited to those shown in FIG.

The loan terminal 100 may be a loaner terminal that transmits a loan request event including a start-up plan to the start-up loan service providing server 300 and receives a loan for the start-up money corresponding to the loan request event. In this case, the form of receiving the entrepreneurial fund is not the form of the creditor and the debtor but the ownership of the fund is set to the lender who is the entrepreneur lending service providing server 300 and only the holding rights of the fund are owned by the lending terminal 100 It is set to lenders. That is, in the case of forming a bond, a small business owner or a credit-impaired person who has already received a large amount of loans often leads to bankruptcy or does not allow any more debt when starting a business. Therefore, , The ownership of the funds is set to the entrepreneur loan service providing server 300 and only the entitlement is set to the loan terminal 100 so that the credit defaulters or the small business person alleviate the burden of starting the business, Can be provided. In addition, since the loan terminal 100 generates a loan request event in addition to the loan request money desired by itself, the loan terminal 100 can generate a business plan including the start-up scale and value to invest in a person You can create more personal information, which is an element. In this way, the entrepreneur loan service providing server 300 can calculate the amount of entrepreneurs' funds and ability funds, and can use as an index of how much money can be borrowed instead of establishing the collateral. In addition, the loan terminal 100 can be linked to an interworking terminal 400 such as a point-of-sale (POS) or credit card terminal of a company or a store established by the user. And may transmit the information of the interworking terminal 400 to the start-up loan service providing server 300. Also, the loan terminal 100 may be a terminal for storing messages, information, and the like recorded, stored or received in the loan terminal, and transmitting the stored information to the start-up loan service providing server 300. The loan terminal 100 may be a terminal that makes a remittance approval when there is a request from the entrepreneur loan service providing server 300 from an associated account. Alternatively, the loan terminal 100 receives the loan request money from the start-up loan service providing server 300 and directly owns the ownership of the loan request money, and the security for the start-up money, which is a conversion of the loan request money, And may be a terminal of the lender set in the providing server 300. [ Then, the loan terminal 100 can decide whether or not to return the entitlement to the entrepreneur's right even if the sum of the sum of the requested amount of the loan and the fee is redeemed, or even if it is the middle. That is, the loan terminal 100 can determine whether to transfer the ownership on the basis of the set security by setting the security as the business owner, which is a conversion to the loan money, in the name of the loaner. At this time, the start-up loan service providing server 300 can transfer or withdraw the money to the account linked with the loan terminal 100 based on the value evaluation data of the entrepreneur's rights, the reimbursement amount, the fee, and the request amount of the loan. Here, the loan terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. The rental terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The rental terminal 100 is a personal digital assistant (PDA), a personal digital assistant (PDC), a personal digital assistant (PDS), a personal digital assistant Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The entrepreneur loan service providing server 300 is a server that receives a loan request event from the loan terminal 100 and calculates entrepreneurs' funds and ability funds based on the lender entrepreneur information and personal information of the lender included in the lump request event . It may be a server that determines whether the loan request funds included in the loan request event received from the loan terminal 100 can be loaned without setting a mortgage on the basis of the startup funds and the ability funds. The entrepreneur loan service providing server 300 may be a server that receives data from the interworking terminal 400 interlocked with the loan terminal 100 and stores the data by mapping the loan terminal 100 and the interworking terminal 400 . At this time, when the revenues are generated from the interworking terminal 400 linked to the loan terminal 100 and the redeeming date arrives, the start-up loan service providing server 300 sends an alarm about the reimbursement amount corresponding to the revenues to the loan terminal 100). &Lt; / RTI > Then, the entrepreneur loan service providing server 300 grasps the entrepreneurial industry included in the loan request event transmitted from the sales terminal 100, grasps the low season, the peak season, and the commodity depending on the type of the entrepreneurial industry, And may be a server to set up. In addition, the entrepreneur loan service providing server 300 may set the ownership of the funds to the entrepreneur loan service providing server 300 even if the funds are transferred to the loan terminal 100, 100 to the borrower. In addition, the entrepreneur loan service providing server 300 separately arranges collateral on the loan terminal 100, instead of setting the holding rights of the funds, and manages them separately from bonds that reduce the credit score. Since the entrepreneur loan service providing server 300 has to perform risk management as much as the collateral has not been set, the entrepreneur loan service providing server 300 can perform the collection management through the interlocking terminal 400. [ That is, when the sales is generated in the interworking terminal 400 and the reimbursement date has passed but the reimbursement amount has not been deposited, the entrepreneur loan service providing server 300 sets and repares the reimbursement amount by a predetermined ratio for the generated sales Lt; / RTI > At this time, when the sales terminal 100 is registered in the start-up loan service providing server 300, when a reimbursement request from the start-up loan service providing server 300 occurs, the start-up loan service providing server 300) can be registered. Alternatively, the entrepreneur loan service providing server 300 may be a server for transferring the ownership of the loan request amount directly to the lender and setting a security for the entrepreneur right, which is a conversion of the loan request amount. In this case, since the mortgage setting amount may be larger or smaller than the sum of the loan request amount and the fee, the entrepreneur loan service providing server 300 receives a predetermined amount of the loan request amount from the loan terminal 100, Lt; / RTI > When the return request for the entrepreneur right is issued from the loan terminal 100, the entrepreneur loan service providing server 300 transmits the value of the entrepreneur right to the loan terminal 100 (100) based on the value evaluation data, the fee, , Or receives a deposit from an account linked to the loan terminal 100 and makes a transfer request for ownership transfer for sale. Here, the entrepreneur loan service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like.

The interworking terminal 400 may be a terminal interlocked with the loan terminal 100. The interworking terminal 400 may be a terminal capable of checking the occurrence of sales of a franchisee, a company, and the like of the borrower of the loan terminal 100. [ For example, the interworking terminal 400 may be a POS, a credit card terminal, a card terminal, an account checking terminal, or the like. Accordingly, the interworking terminal 400 can transmit real-time data so that the start-up loan service providing server 300 can check the sales of the borrower of the loan terminal 100 in real time. The information of the interworking terminal 400 may be transmitted through the loan terminal 100 or directly to the start-up loan service providing server 300. The interworking terminal 400 can be implemented by a computer that can access a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook equipped with a web browser (WEB Browser), a laptop, and the like. In addition, the interworking terminal 400 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The interworking terminal 400 is a wireless communication device that is guaranteed to be portable and mobility, for example, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

FIG. 2 is a block diagram for explaining a start-up loan service providing server shown in FIG. 1, and FIG. 3 is a view for explaining an embodiment in which the start-up loan service shown in FIG. 1 is implemented.

2, the receiving unit 310, the calculating unit 320, the generating unit 330, the transmitting unit 340, the setting unit 350, the money collecting unit 360, the user fitting unit 370, And may include a management unit 380.

(Not shown) operating in conjunction with the entrepreneur loan service providing server 300 or the entrepreneur loan service providing server 300 according to an embodiment of the present invention may provide an entrepreneur loan service application, a program, a web page, The loan terminal 100 or the interworking terminal 400 can install or open an application, a program, a web page, and the like for the service when the service terminal 100 or the interworking terminal 400 transmits the service. In addition, a startup-start-loan service program may be executed in the loan terminal 100 or the linked terminal 400 using a script executed in a web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection of the network 200 creates a communication object at the communication contact for communication with the terminal connected to the network 200 by the loan terminal 100, the startup loan service providing server 300 and the interworking terminal 400 . In addition, the entrepreneur loan service providing server 300 can exchange data with each other through a communication object.

The method for providing a startup service according to an embodiment of the present invention is a method for providing a startup service by setting a separate credit check or security for a borrower who has an item to start a business but is already a credit impaired person It provides a way to lend entrepreneurial funds without having to do so. For this purpose, a method for providing a start-up loan service according to an embodiment of the present invention is a method for providing a start-up loan service by setting a ownership of funds to a loaner that is a server for providing an entrepreneur loan service, Any person who has exceeded the loan limit or can not set up a collateral should be allowed to start a business. A method of providing a start-up loan service according to an embodiment of the present invention is a method of paying back the calculated amount of money of the loan request money after financing of funds to the number of days, To minimize CMS costs and to increase the liquidity of funds by immediately depositing the remaining amount of the settlement amount excluding the service use fee and the work calculation amount of the loan request funds, and minimize the risk of unsecured loans.

In another embodiment of the present invention, it is possible to make a loan for the remaining amount except for a certain amount for the entrepreneurial right, so that even if there is an item that can be found, but is already in bad credit or is difficult to provide further collateral, In order to reduce the risk of collecting money by setting up collateral for bank loans for entrepreneurial rights and to reduce the risk and burden of business failure to entrepreneurs, after the repayment of the loan amount has been completed, In the case of deciding whether or not to return in the form of a store lease even before it is realized, the value of the entrepreneurial rights is evaluated and the transfer of title to the entitlement is made to occur, thereby minimizing the burden and risk of the business failure to the entrepreneur , Lenders, such as banknotes, Since the borrower without a loan can be secured as a customer, both the founder and the customer can win the loan.

The components of the entrepreneur loan service providing method having the above-mentioned object will be described in detail below.

The receiving unit 310 can receive a loan request event from the loan terminal 100. [ Here, the loan request event may include not only the loan request money for the lender to request the loan but also the business plan related to the establishment of business such as the business type of the entrepreneur and the establishment of the business, personal information such as the career of the lender have. This enables the founder who can not set up a mortgage or make a credit loan to easily receive a loan. And, the loan request event may further include information of a building or a building that a founder, a lender, wants to buy or rent.

The calculating unit 320 may calculate the entrepreneurs' funds and the ability funds based on the lender entrepreneurship information and the personal information of the lending terminal 100 included in the received lending request event. Here, the calculating unit 320 may analyze the business start-up business plan data including the business start-up category, the start-up business scope, the business location, and the material unit price included in the loan request event. And, based on the analyzed results, it is possible to calculate the entrepreneurial fund compared to the base mapped business fund. For example, suppose a lender makes a franchise of "A" rice cake. In this case, it is possible to calculate costs such as the breadth of A tteokbokki, the local market price, the material cost to be purchased, and the cost to be paid to the franchise. Accordingly, the calculating unit 320 can calculate the start-up fund by analyzing the start-up business plan data including the start-up industry, the start-up scale, the commercial location, and the material unit price. Accordingly, the entrepreneurial funds may be less or more than the loan request funds requested by the lender. In addition, ability funds may be the amount that can be invested in the ability of a person to view a person's ability, even if the lender does not have collateral to set up or can not make a credit loan. For example, if a person B has a good career or ability but can not start a business because he does not have a start-up fund, he or she can set up ability funds by posting personal information such as career and ability. If you want to open a C restaurant for a person named B and you have a career or reputation for a menu of a C restaurant, have a career or major, or if you have your own guests, Because of the high likelihood of being able to see these parameters, we can calculate capacity funding. In addition, the calculating unit 320 may evaluate the value of the entrepreneur's right that the lender intends to rent or purchase. For example, a lender wants to rent a house worth 100 million won, located in Nonhyeon-dong. At this time, the lender can provide the market value information of 100 million won, and the calculating unit 320 evaluates the value of the entrepreneurs' rights based on the parameters of the location, commercial, and sales information based on the web crawling or the database can do. Actually, even if the price of the notice is 100 million won, the actual price is often higher than the price, and even if the superficial cost to enter the real estate lease is 100 million won, , It is possible to calculate the amount based on the information when it is determined whether the loan amount should be loaned to a certain extent. However, when a borrower of the loan terminal 100 requests return of a purchase order in accordance with a store lease, parameters that are not visible on the surface, such as floor trust, are not considered and may not be included in the valuation data.

The generating unit 330 may generate an approval event for the loan request event if the loan request fund included in the loan request event is the amount between the capability fund and the startup fund. In other words, the generating unit 330 may generate an approval event, for example, if the loan request money is 10 million Yuan, the ability money is 9 million Yuan, and the startup money is 15 million Yuan, . In other words, since the start-up funds are necessary for the start-up of the business, and the ability funds are the same as the amount invested in the future even though the loan is not collateral or credit, Lt; RTI ID = 0.0 > event. &Lt; / RTI > Or the generating unit 330 may approve all of the loan request funds included in the loan request event. Alternatively, the generating unit 330 may calculate the value evaluation amount based on the value evaluation data of the building or the building to be rented or sold by the borrower who is the owner of the loan terminal 100, calculate the value of the loan request money The acknowledgment event for the corresponding loan request event can be generated. For example, let's suppose that a borrower who is a founder of A is used to start a business in Nonhyeon-dong with a floor money of KRW 40 million, a right price of KRW 50 million, and a lease of KRW 100 million. In this case, the founder A may actually need a total of 190 million won to finance the lease. In this case, if the founder has 20 million won, he can get a loan for the remaining amount except for 20% of the loan amount of 100 million, except for the predetermined ratio, and the loan for 80 million won may occur . This is because it is practically impossible to set up collateral for the right money or treasury bills because it is a fluctuating amount in the course of the economy and is not actually a bond or a real account written on paper. Accordingly, when the value of the value of the entrepreneur's right is within the range of the remaining amount excluding the predetermined amount, the generating unit 330 can immediately provide the approval event and request the security setting for the entrepreneur's right . On the other hand, if the entrepreneur who is the lender intends to transfer ownership rights to the entrepreneurial rights, that is to say, even after the reimbursement has been completed, or even before the reimbursement is made, the amount of reimbursement, Of the value of the entrepreneurial rights, but at this time, the same amount of money, such as the right money or the floor is not included in the valuation. If you cite the above example as it is, you will not be added to the valuation amount for 40 million won or 50 million won, so if you keep the lease market value of 100 million won at the time of return, We do not evaluate or return the value of KRW 90 million, KRW 140 million or KRW 150 million.

The transmitting unit 340 may transmit the loan request funds to the account associated with the loan terminal 100 in response to the generated approval event. Here, the account associated with the loan terminal 100 may be an account included in the loan request event.

The setting unit 350 can set the owner of the loan request money to the entrepreneur loan service providing server 300 that is the loaner. In other words, if you generate a bond, you need to set up a collateral or make a credit. In the case of a small business owner, a self-employed person, or an individual, there is a case in which a collateral is set up or a credit is difficult. Therefore, the owner of the fund can establish a loan with a different concept than the bond, by setting it to the borrower and leaving only the operating rights or ownership of the loan to the borrower. Alternatively, the setting unit 350 may transfer the owner of the loan request money to the lender, and set up a security for the entrepreneur's right such as a commercial building or a building rented or purchased by the lender of the loan terminal 100. [ Accordingly, the setting unit 350 can lend a loan to a person who is unable to make a loan or does not have a collateral to be set, and can arrange a passage for withdrawal of funds.

The money redemption unit 360 receives the installment amount of the loan request money from the loan terminal 100, sets and transfers the owner of the received installment amount to the loan terminal 100 as the lender, and the sum of the installment amount If it is the same as the loan request money, the owner of the loan request money can be set and transferred to the loan terminal 100 as the lender. Suppose, for example, that you have a loan request fund of 10 million Yuan and a monthly payment of 100 Yuan for a 100-month installment payment. In this case, if you repay 100,000 won a month, you can transfer the ownership of 100,000 won to the lender. Then, after all 100 months of repayment, you can transfer ownership of 10 million won to the lender. Alternatively, you can transfer your ownership of 10 million won to a borrower at once after 100 months have passed. However, the present invention is not limited to such a method, and various methods can be implemented.

The money redeeming unit 360 monitors whether or not a sales event occurs in a POS (Point Of Sale), a credit card terminal, or a startup account associated with the loan terminal 100, and when a sales event occurs, The amount of the predetermined percentage of the sales event can be offset by the loan request money. Also, the money redemption unit 360 can set and transfer the owner of the amount corresponding to the amount of the offsetting to the loan terminal 100 as the lender. For example, the method of providing a startup loan service according to an embodiment of the present invention does not require a collateral or a credit loan but transfers the holdings only to the borrower with the borrower as the owner, have. Therefore, the money redeeming unit 370 can collect a certain amount or all of the amount of money every time a sale occurs at a merchant or company of the loan terminal 100. [ It is assumed that the contract for such a coupon is set in advance.

Alternatively, the money redeeming unit 360 may receive the return data on the entrepreneurship for which the collateral has been set from the loan terminal 100. [ At this time, in the rental terminal 100, the reimbursement amount including the commission for the requested amount of the loan may be either fully redeemed or not redeemed. At this time, the loan terminal 100 may remit or receive a deposit based on the amount of reimbursement, the amount of valuation of the entrepreneur's rights, the request amount of the loan, and the fee. In other words, in a manner similar to vehicle lease, ownership or lease is owned by the owner of the lending terminal 100 as a lender, but by making it possible to return the ownership or lease, the risk of the business failure is reduced to the entrepreneur, The providing server 300 can secure the passage of funds.

The user customizing unit 370 can analyze the entrepreneurial business type and the commercial business included in the loan request event of the loan terminal 100. [ Here, the user-customizing unit 370 can calculate the expected sales based on the low-season and peak-season and the entrepreneurial scale based on the analyzed entrepreneurial business type and commercial business, and calculate the amortization amount synchronized with the period based on the calculated estimated sales And can charge the calculated amortization amount to the loan terminal 100. For example, suppose that the sales information of the loan terminal 100 is an average of 4 million won within one year. Also, since the off-season, peak season, and sales of each season may differ among the average of 4 million won, the loan request fund may be calculated by identifying the characteristics of the industry in the period during which the loan request funds are collected. For example, suppose that the average monthly sales of tent sellers is 4 million Yuan, while the monthly sales from November to February are less than 4 million Yuan, and the monthly sales from March to October are more than 4 million Yuan. In this case, assuming that the seller of the loan terminal 100 requests the loan request money in November and starts the repayment from March, the repayment possibility is low in November, but the repayment possibility may increase in March, Even though the average turnover in November is estimated to be less than 4 million won, the fund management fee can be calculated differently based on the average sales on the redemption date. When the seller of the loan terminal 100 operates the entertainment industry and selects the repayment method as the number of days, the repayment amount of the Monday and the weekend is calculated by taking into account the sales amount and characteristics of Monday and the weekend, You can also set the amount to be worked on differently.

The delinquent management unit 380 can intercept the message received at the loan terminal 100. [ The delinquent management unit 380 extracts data based on deposit and withdrawal among the intercepted messages, and when the data based on the deposit is generated among the extracted data, and is before the set period before the redeemed date, To the loan terminal 100, a message regarding the loan repayment amount. Then, the delinquent management unit 380 extracts data based on the deposit among the messages received at the loan terminal 100 when the loan repayment amount is later than a preset period before the loan repayment amount arrives after the redeeming date arrives, The amount corresponding to the loan repayment amount can be withdrawn from the linked account. In other words, after the borrower receives the funds from the start-up, the borrower may not be able to repay the loan, or the borrower may use the funds elsewhere without repaying the loan. The amount of the repayment can be processed in advance. Since the POS terminal or the card terminal may not record the money deposited or processed in cash, all the deposit data received by the loan terminal 100 is monitored, and if there is the deposit data, So that it can be processed.

An embodiment of a start-up lending service executed in the start-up loan service providing server 300 having the above-described configuration will be described with reference to FIG.

3, (a) when the loan request event is transmitted from the loan terminal 100 to the entrepreneur money service providing server 300, (b) the entrepreneur money service providing server 300 transmits the entrepreneur entrepreneur information and personal information Can be used to calculate start-up funds and ability funds. (C) the entrepreneur money service providing server 300, when the loan request money is money within the capability fund and the entrepreneur fund, and when an approval event occurs, (d) And the holder of the entrepreneurial funds may transfer the funds to the borrower. Then, when sales are generated in the (e) interworking terminal 400 and the deposit data is outputted from the loan terminal 100, the entrepreneur money service providing server 300 can monitor, (f) The service providing server 300 can recover the loan repayment amount while notifying the loan repayment amount to the loan terminal 100. [

In addition, the method of providing a start-up loan service according to another embodiment of the present invention starts with the concept of a store lease. That is, the entrepreneur loan service providing server 300 receives the loan request event from the loan terminal 100 and, based on the loan entrepreneurship information and the personal information of the loan terminal 100 included in the received loan request event, And capability funds. At this time, it is not always necessary to calculate the ability fund and it is possible to delete it. The start-up loan service providing server 300 may generate an approval event for the loan request event when the loan request money included in the loan request event is the amount between the capacity fund and the startup money. Alternatively, the entrepreneur loan service providing server 300 can generate an approval event for the loan request event when the loan request money is within a preset amount of the entrepreneur's right. Then, the entrepreneur loan service providing server 300 transmits the loan request money to the account linked with the loan terminal in response to the generated approval event, and transmits the guarantee money for the entrepreneur's right of the loan terminal 100 based on the loan request money Can be set. The entrepreneur loan service providing server 300 can fetch the reimbursement amount of the loan request funds and the account linked with the loan terminal 100 based on the predetermined contract with the loan terminal 100. [ Here, the predetermined contract may be a contract for the interest or the fee for the loan, and the reimbursement amount and the interest or the fee may be withdrawn from the account linked with the loan terminal 100 at the entrepreneur loan service providing server 300. When the withdrawn amount is equal to the sum of the amount of the refund of the loan request money and the fee, the entrepreneur loan service providing server 300 confirms whether or not the credit card is returned to the store lease of the loan terminal 100 . At this time, the entrepreneur loan service providing server 300 can confirm whether or not the money order is returned even if the sum of the sum of the amount of the loan request money and the fee is equal. Then, the entrepreneur loan service providing server 300 transmits the ownership transfer request for the entrepreneur's license to the loan terminal 10 when a request for revocation of the bookkeeping for the store-less is issued from the loan terminal 100, It is possible to receive valuation data on the rights. At this time, the valuation data can be calculated based on the noticed price, the actual selling price, the listing price listed in the portal, and the like. Then, the start-up loan service providing server 300 can deposit the evaluation amount into the account linked with the loan terminal 100 based on the received value evaluation data. Here, when the ownership right request for the store-less is generated from the loan terminal 100, the entrepreneur loan service providing server 300 receives the value evaluation data and calculates the difference between the evaluation value based on the value evaluation data and the withdrawn amount Withdraw from the account linked with the loan terminal 100 or deposit it into the linked account, and release the security setting. At this time, when the mortgage holder and the owner are the same as the mortgage provider, that is, in case of the former, the entrepreneur loan service providing server 300 may not be required to cancel the mortgage due to confusion of the real estate, .

2 and FIG. 3 are not explained in connection with the method of providing the entrepreneur loan service, the same description as that of the entrepreneur loan service providing method can easily be inferred from FIG. 1, .

FIG. 4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the entrepreneur loan service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of the driving process of each of the configurations will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, and the process of transmitting and receiving data shown in FIG. 4 according to the above- It will be apparent to those skilled in the art that changes may be made.

Referring to FIG. 4, the loan terminal 100 transmits a loan request event to the start-up loan service providing server 300 (S4100), and calculates start-up funds and capacity funds (S4200).

Then, if the loan requesting money is an amount within the interval between the capability fund and the startup fund (S4300), an approval event is generated (S4400), and the loan request money is transmitted to the account (S4500, S4600).

Then, the entrepreneur loan service providing server 300 makes the ownership setting as a borrower (S4700), monitors the interworking terminal 400 (S4800), generates sales at the interworking terminal 400 (S4900) (S4910), and transmits a notification message to the loan terminal 100 (S4920).

At this time, the loan terminal 100 can output the reimbursement amount at the same time when the sales is notified (S4930). If the reimbursement period is exceeded (S4940), the start-up loan service providing server 300 transmits the reimbursement amount to the loan terminal 100 (S4950). Until the withdrawal of the loan request funds is completed (S4960), the flow returns to the step S4900 and the loop is executed.

The sequence between the above-described steps S4100 to S4960 is merely an example, but is not limited thereto. That is, the order among the above-described steps S4100 to S4960 may be mutually varied, and some of the steps may be executed or deleted at the same time.

4, which are not described, can be easily deduced from the same or described contents of the method of providing the entrepreneur loan service through FIGS. 1 to 3, Omit it.

5 is a flowchart illustrating a method of providing a start-up loan service according to an embodiment of the present invention. Referring to FIG. 5, the entrepreneur loan service providing server receives a loan request event from the loan terminal (S5100).

Then, the entrepreneur lending service providing server calculates entrepreneurial fund and ability fund based on the lender entrepreneur information and personal information of the lending terminal included in the received lending request event (S5200).

In addition, if the loan request money included in the loan request event is an amount between the capacity fund and the startup money, the start-up loan service providing server generates an approval event for the loan request event (S5300).

Here, the entrepreneur loan service providing server transmits the loan request money to the account linked with the loan terminal in response to the generated approval event (S5400).

Then, the entrepreneur loan service providing server sets the owner of the loan request money to the entrepreneur loan service providing server which is the loaner (S5500).

The method of providing a start-up loan service according to the embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium can include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

The above-described method of providing a start-up loan service according to an embodiment of the present invention can be executed by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) (I.e., a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the above-described method of providing a startup service according to an embodiment of the present invention is implemented as an application installed in a terminal or directly installed by a user (i.e., a program) Can be recorded on the medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims

1. A method of providing a start-up loan service executed in a start-up loan service providing server,
Receiving a loan request event from a loan terminal;
Calculating entrepreneurs' funds and ability funds based on the lender entrepreneurship information and personal information of the lending terminal included in the received lending request event;
Generating an approval event for the loan request event if the loan request fund included in the loan request event is an amount between the capability fund and the startup fund;
Transmitting the loan request funds to an account associated with the loan terminal in response to the generated approval event; And
Setting the owner of the loan requesting funds to the entrepreneur loan service providing server which is the loaner
The method comprising the steps of:

The method according to claim 1,
Receiving an installment amount of the loan request money from the loan terminal;
Setting and transferring the owner of the received installment amount to the loan terminal as the loaner;
Setting and transferring the owner of the loan requesting funds to the loan terminal, which is the loaner, if the sum of the installment amount is equal to the loan request money;
The method further comprising the steps of:

The method according to claim 1,
Monitoring whether or not a sales event occurs in a POS (Point Of Sale), a credit card terminal, or a startup account associated with the loan terminal;
If the sales event occurs as a result of monitoring, offsetting the amount of the predetermined percentage of the sales event with the loan request money;
Setting and transferring an owner of an amount corresponding to the offset amount to the lending terminal as the lender
The method further comprising the steps of:

The method according to claim 1,
Wherein the step of calculating the entrepreneurs' funds and the ability funds based on the entrepreneur information and the personal information of the lending terminal included in the received lending request event comprises:
Analyzing the entrepreneurial business plan data including the entrepreneurial industry, the entrepreneurial scale, the commercial location, and the material unit price included in the loan request event;
Calculating entrepreneurial funds based on the analyzed result and compared with the mapped standard entrepreneurial funds;
Performing data mining on similarity between the learner's scholastic aptitude information, the business field and the lecturer's major, or the similarity between the business field and the career of the lender, and the career information of the lender, and calculating the ability fund based on the data mining result ;
The method comprising the steps of:

The method according to claim 1,
Analyzing the entrepreneurial business type and the commodity business included in the loan request event of the loan terminal;
Calculating estimated sales based on the low-season and high-season and the start-up scale based on the analyzed entrepreneurial business types and commercials;
Estimating an amortization amount in synchronization with the period based on the calculated estimated sales;
Billing the calculated amortization amount to the loan terminal;
The method further comprising the steps of:

The method according to claim 1,
Intercepting a message received at the loan terminal;
Extracting data based on deposit and withdrawal among the intercepted messages;
Transmitting a message regarding the loan repayment amount included in the loan request event to the loan terminal when data based on deposit is generated among the extracted data and the payment date is before a set period before the reward date arrives;
Extracting data based on deposits among messages received at the loan terminal when the loan repayment amount is later than a predetermined period before the payment is made after the payment date arrives;
Withdrawing an amount corresponding to the loan repayment amount from an account associated with the extracted data
The method further comprising the steps of:

1. A method of providing a start-up loan service executed in a start-up loan service providing server,
Receiving a loan request event from a loan terminal;
Calculating entrepreneurs' funds and ability funds based on the lender entrepreneurship information and personal information of the lending terminal included in the received lending request event;
Generating an approval event for the loan request event if the loan request fund included in the loan request event is an amount between the capability fund and the startup fund;
Transmitting the loan request funds to an account associated with the loan terminal in response to the generated approval event;
Setting a security for the entrepreneur's right of the lender of the loan terminal based on the loan request money;
Extracting a reimbursement amount of the loan request money from an account linked to the loan terminal based on a predetermined contract with the loan terminal;
Confirming whether or not to return a money order to a store lease from the loan terminal when the withdrawn amount is equal to the sum of the amount of the loan request money and the fee;
Transmitting a request for transferring ownership of the entrepreneur right to the loan terminal when receiving a request for return of a customer right from the loan terminal, and receiving value evaluation data on the entrant right; And
A step of depositing the valuation amount to an account linked to the loan terminal based on the received valuation data
Lt; / RTI >
Receiving the value evaluation data and fetching a difference between an evaluation value based on the value evaluation data and the withdrawn amount from an account linked to the loan terminal when a request for ownership of a store less is generated from the loan terminal, Depositing the money into an interlocked account and releasing the secured setting.