KR20170099042A - Method for peer to peer account receivable secured loan financial technology service and apparatus thereof - Google Patents

Abstract

In the P2P trade mortgage lending financial technology service method, the financial technical service device transmits demand forecasts for accounts receivable provided as collateral through communication with the second information terminal based on the receipt application information received from the first information terminal , And the loan examination can be carried out using the information on the application of the receivable-secured loan application and the result of the demand forecasting investigation. Next, the financial technology service device opens an investment product, performs investment inducement, receives money based on the investment application information received from the second information terminal through communication with the financial support server, and transfers the receivable as collateral Thereby performing processing of data and electronic signals for executing the secured loan. In the case where the collateralized mortgage is executed, the financial technical service device transmits information to the second information terminal corresponding to the preferred investor information secured through the demand forecasting to participate in the realization of the collateral, The processing of the data and the electronic signal for performing the cashing of the electronic signal.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a method and apparatus for providing P2P accounts receivable loans,

The present invention relates to a P2P (peer-to-peer) method and apparatus for financing technical services for a commercial mortgage loan. More particularly, the present invention relates to a P2P P2P accounts receivable loans that carry out collateralization of collateral based on data collected from demand forecasting surveys if they meet P2P mortgage loan requirements based on the data collected from the demand forecast survey A financial technology service method and a device thereof.

Peer-to-Peer (P2P) loans are a new form of borrowing, in which a large number of investors (creditors), rather than banks or investors, lend money 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. .

On the other hand, accounts receivable refers to receivables arising from profit-generating activities such as selling goods or services in the main business activities of a company. In other words, accounts receivable refers to accounts receivable and receivable as credit bonds related to the sale and service of goods, which is ordinary business activity for business purpose of the company concerned.

In the KASB, the sum of accounts receivable and receivables are combined into accounts receivable. In practice, if accounts receivable and receivables are important, they can be calculated independently.

For trade receivables, lenders will stick to the conservative approach of calculating the value very low. In the end, the actual loan amount is very small if the borrower needs to borrow it as collateral.

Therefore, in the case of P2P mortgage loans, if a trade receivable that is not officially priced, such as accounts receivable, is collateralized, it is necessary to calculate the reasonable value of the receivable and to promptly accelerate the collateralization of the collateral A new scheme is required.

In addition, in the case of P2P loans, a new scheme is required to diversify and optimize investment information to the level of investors so that investors can decide whether to invest in the investment products they want to invest.

The problem to be solved by the present invention is to provide a P2P mortgage loan based on the data collected in the demand forecast survey by conducting a demand forecast survey on collateral that is not formulated at official prices such as accounts receivable at the time of P2P secured loan And to provide a method and apparatus for providing P2P accounts receivable finance financial technology services for realizing the collateralization based on the data collected from the demand forecasting survey, when the requirement for the realization of the collateralized cash is satisfied.

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, there is provided a method of providing a financial technology service for a P2P accounts receivable loan, the method comprising the steps of: It is possible to carry out a demand forecasting survey on accounts receivable, and to conduct a loan audit using the information on the application of the receivable-secured loan application and the demand forecasting result. Next, the financial technology service device opens an investment product, performs investment inducement, receives money based on the investment application information received from the second information terminal through communication with the financial support server, and transfers the receivable as collateral Thereby performing processing of data and electronic signals for executing the secured loan. In the case where the collateralized mortgage is executed, the financial technical service device transmits information to the second information terminal corresponding to the preferred investor information secured through the demand forecasting to participate in the realization of the collateral, The processing of the data and the electronic signal for performing the cashing of the electronic signal.

The financial technical service apparatus according to another aspect of the present invention may further include: mortgage loan application information including the receivables information and the loan condition information provided as the collateral received from the first information terminal for the P2P accounts receivable loan financial technical service, A data storage unit for storing investment application information; And a processor. Here, the processor may proceed with demand forecasting of the accounts receivable provided as collateral through communication with the second information terminal based on the receivable-loan application information received from the first information terminal. The processor can perform the loan review using the information on the application of the receivable-secured loan application and the result of the demand forecasting investigation. The processor establishes an investment product, performs investment inducement, deposits the investment based on the investment application information received from the second information terminal through communication with the financial support server, and executes a mortgage loan with the accounts receivable as collateral . The processor transmits information to the second information terminal corresponding to the preferential investor information secured through the demand forecasting investigation to participate in the cashing of the collateral in the case of executing the cashing of the collateralized mortgage to execute the cashing of the collateral And processing of the electronic signal.

According to another aspect of the present invention, there is provided a method for providing a financial technology service for a P2P accounts receivable loan, comprising the steps of: It is possible to carry out a demand forecasting survey on accounts receivable, and to conduct a loan audit using the information on the application for a mortgage loan and the demand forecasting result. The financial technical service device opens an investment product, performs investment inducement, receives money on the basis of the investment application information received from the second information terminal through communication with the financial support server, receives the investment money as collateral, To process the data and electronic signals for transferring the loan to the account designated in the receivable-secured loan application information. The financial technology service device can carry out the interest payment and investment payment process through communication with the financial support server.

The financial technical service apparatus according to another aspect of the present invention may further include: mortgage loan application information including the receivables information and the loan condition information provided as the collateral received from the first information terminal for the P2P accounts receivable loan financial technical service, And a data storage unit for storing investment application information, and a processor. Here, the processor performs a demand forecast investigation of the accounts receivable provided as collateral through communication with the second information terminal based on the secured loan application information received from the first information terminal, Can be used to conduct a loan audit. The processor establishes an investment product, performs investment inducement, receives money on the basis of the investment application information received from the second information terminal through communication with the financial support server, and executes the secured loan with the receivable as the collateral And can process data and electronic signals for transferring the loan to the account designated in the receivable-secured loan application information. The processor can perform the interest payment and investment payment process based on the secured loan through communication with the financial support server.

According to another aspect of the present invention, in the P2P commercial loan service financial technical service method, the financial technical service device performs a loan review on accounts receivable provided as collateral based on the receivables application information received from the first information terminal . Next, the financial technical service device opens an investment product, performs investment inducement, transmits money based on the investment application information received from the second information terminal through communication with the financial support server, and transfers the receivable as collateral And may perform processing of data and electronic signals for executing a mortgage loan. In the case where the collateralized mortgage is executed, the financial technical service device transmits information to the second information terminal corresponding to the preferred investor information secured through the demand forecasting to participate in the realization of the collateral, The processing of the data and the electronic signal for performing the cashing of the electronic signal.

According to the present invention, a demand forecast survey is conducted on collateral that has not been officially priced, such as accounts receivable, in a P2P secured loan, and a P2P secured loan is executed based on the data collected in the demand forecasting survey. If it meets the requirements, it can carry out the encashment of the collateral based on the data collected in the demand forecasting survey.

According to the present invention, when a trade receivable that has not been officially priced, such as a trade receivable, is collateralized in the P2P secured lending process, it is possible to calculate a reasonable value of the receivable, and if the collateralization of the collateral is necessary, You can proceed.

According to the present invention, by appropriately interlinking the accounts receivable-loan, peer-to-peer (P2P), and crowdfunding through Internet-based technology, the loan applicant can borrow his or her own receivables as collateral, Investors can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, investment decision information provided to investors includes investment decision information to which information asymmetry is applied. It is possible to optimize the information available to investors at the level of investors based on demand forecasting result information obtained through demand prediction as informal investment decision information.

By setting different types of information that can be browsed according to the investor 's rating on informal investment decision information, it is possible to provide practical assistance in investment considering the tendency of the investor.

Accordingly, it is possible to provide general members with information of a plain type in accordance with the eye level of general members, thereby making it possible to judge whether or not to invest in the investment information without imposing a psychological burden on the investment information. In addition, it is possible to avoid the side effects of forming a psychological barrier by aggravating the confusion about the investment information by preventing the general members from listing too specialized information.

Likewise, the expert members can provide a kind of information that is in line with the eye of the expert members, thereby providing an opportunity for thorough examination of the investment information, thereby effectively determining whether or not to invest. In addition, it is possible to prevent the adverse effects of not giving psychological credibility to the investment information by preventing the general information from being listed to the expert members in advance.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

According to the present invention, since a loan interest rate is applied by a formula that is formulated according to the value of an investment or a collateral object, a reasonable loan may arise.

According to the present invention, it becomes possible to provide liquidity through accurate value analysis of trade receivables in which the value as a collateral object is not easily recognized.

According to the present invention, trade receivables can be secured as collateral for individual commodities, ensuring stability for investors.

According to the present invention, it is possible to obtain high securitization compared to existing financial institutions by receiving an appropriate reference price of the collateral by the special investment advisory group of accounts receivable.

According to the present invention, since the interest rate on the loan is determined by a formula that is formulated, it can be reasonably applied and ultimately contribute to the activation of the accounts receivable transaction market.

According to the present invention, it is possible to secure investment by securing the collateral of the trade receivable by avoiding the frame of credit used in the conventional lending system.

According to the present invention, it is possible to prevent personal credit management from being reflected in the credit score.

According to the present invention, in the age of P2P loan, it is possible to invest money in a receivable bond and mortgage loan using a P2P platform by linking accounts receivable and investment to PINTECH by connecting special investor (loan applicant) and individual lender (investor) .

FIG. 1 is a view for explaining the concept of a P2P commercial loan service financial technical service according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a diagram for explaining a P2P commercial loan service financial technical service system according to an embodiment of the present invention. Referring to FIG.
FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P accounts receivable loan financial technology service system according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method of providing a P2P trade mortgage loan financial technology service according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a security availability certification process in a P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.
FIG. 7 is a flowchart for explaining a pre-mortgage loan process in the P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.
FIG. 8 is a view for explaining the process of cash-collateralization in the P2P trade mortgage lending financial technology service method according to the embodiment of the present invention.
FIG. 9 is a diagram for explaining a loan due date notification process in the method of providing P2P accounts receivable loan finance technology according to an embodiment of the present invention.
FIG. 10 is a view for explaining a process for returning a collateral in the P2P trade mortgage lending financial technology service method 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 P2P commercial loan service financial technical service according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, the P2P commercial loan service financial technical service according to an embodiment of the present invention may be provided by the P2P financial based technical service company 1. FIG.

A P2P-based financial technology service company (1) is an investment advisory company (2) that evaluates collateral and a partner financial institution (3) that performs investment deposit, loan payment, interest payment, principal repayment, (4) and investors (5) who want to invest their cash assets in a crowd-funded way, by providing P2P loans and providing P2P collateral Perform loan finance technology services. Here, the investment adviser (2), affiliated financial institution (3), loan applicant (4), and investor (5)

In the case of collateral that does not have official price information, such as accounts receivable, the P2P-based financial technology service company (1) conducts a demand forecast survey through the investor (5) and then evaluates the value of the collateral And can decide whether or not the loan can be made accordingly.

In addition, the P2P mortgage finance technology service of the P2P-based financial technology service company (1) is a service that performs the demand forecasting survey that has been executed in advance when the demand forecast survey and the mortgage- To provide the investors with the information to participate in the realization of the collateral. The realization of the collateral may be carried out when the collateral of the collateral is executed after the execution of the collateralized loan with the trade receivable as collateral.

Additional P2P mortgage finance technology services due to the increase in the value of the secured assets of the P2P-based financial technology service company (1) can be achieved by keeping the accounts receivable and lending to the loan applicant with the deposited accounts receivable as collateral.

In addition, the P2P mortgage finance technology service of the P2P financial technology service company (1) collects the funds of the investor (5) who wants to invest the cash assets possessed by the crowd funding method and executes the loan to the loan applicant.

To this end, the P2P-based financial technology service company (1) receives a loan application from the loan applicant (4) as collateral for the accounts receivable. The accounts receivable provided as collateral here may be the receivables held by the applicant (4) or may be the accounts receivable held by the third party.

 A P2P-based financial technology service company (1) can refer a collateral evaluation to the investment adviser (2) for the accounts receivable provided by the loan applicant (4) as collateral. The investment adviser (2) can calculate the security value of the commissioned accounts receivable and provide it to the P2P-based financial technology service company (1).

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 affiliated financial institution 3 executes the loan to the loan applicant 4 who has been granted the loan by the P2P financial technology service company 1 and periodically or non-expires the interest and principal repayment procedure from the loan applicant 4 You can do it regularly.

In the same way, the affiliated financial institution (3) periodically or irregularly provides the investor (5) who has deposited the investment money with the same amount of the investment profit as the interest on the investment, and if the investment period expires, ).

FIG. 2 is a diagram for explaining a P2P commercial loan service financial technical service system according to an embodiment of the present invention. Referring to FIG.

2, in an additional P2P secured lending financial technology service system according to an exemplary embodiment of the present invention, the financial technology service apparatus 100 includes an advisory support server 200, The second information terminal 500 and the archiving support server 600 to provide various data for the P2P secured loan financial service according to the increase in the value of the secured asset, Processing and communication.

The financial technology service apparatus 100 includes a variety of data required for the P2P secured loan financial technology service due to the increase in the value of the secured assets of the P2P-based financial technology service company 1, and various processors for processing and communicating electronic signals Lt; / RTI >

To this end, the financial technology service apparatus 100 includes a processor for storing various data necessary for proceeding with the process of keeping the accounts receivable as collateral and keeping the stored accounts receivable as collateral, and for processing and communicating electronic signals Lt; / RTI >

In addition, the financial technology service apparatus 100 includes an investment adviser 2 who performs evaluation of the collateral value of accounts receivable, a partner financial institution 3 that performs interest and principal repayment procedures And a processor for performing communication and processing of various data and electronic signals necessary for proceeding with the cooperation work with the mobile terminal.

In addition, when the financial technology service apparatus 100 executes the cash advancement of the collateral executed due to the demand forecast investigation and the collateral loan due to the absence of the official price information, And a processor for performing communication and processing of various data and electronic signals necessary for proceeding the cashing process of the collateral by providing information that can participate in cashing. The process of cashing the collateral may be carried out when the collateralization of the collateral is executed after the execution of the collateral loan with the trade receivables as collateral.

In addition, the financial technology service apparatus 100 connects the loan applicant 4 who desires to borrow his or her own receivables as collateral and the investor 5 who wants to invest the cash assets possessed by the crowdfunding method as a P2P loan method And a processor for processing and communicating various data and electronic signals required to perform the P2P secured loan financial technical service.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 400, the financial technology service apparatus 100 judges whether or not the loan can be made , And if it is determined that the loan can be made, the loan is delivered to the debtor through the affiliated financial institution 3 of the financial support server 300.

At this time, 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 determined to be loanable, The loan application information of the loan applicant 4 may be disclosed to the investor, and the investment money collected in response to the loan application information may be transmitted to the loan applicant 4. However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

The advisory support server 200 calculates the collateral value for the accounts receivable commissioned for evaluation performed by the investment adviser 2, for example, the collateral for the trade receivables, and transmits various data for providing to the P2P-based financial technology service company 1 And various processors for performing processing and communication of electronic signals.

The advisory support server 200 can be used for various purposes such as, for example, in the case of a company with a negative net profit, a quantitative and qualitative value based on various data obtained through a slope of the sales growth rate or a direct company visit And quantitative and qualitative value measurement data can be generated.

The advisory support server 200 can calculate the bankruptcy probability of a corresponding company through various scenario approaches, using the correlation between the debt ratio and the default rate with the accumulated trade receivable 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.

The financial support server 300 also executes a loan to the loan applicant 4 whose affiliated financial institution 3 has received the loan approval by the P2P based financial technology service company 1 and receives interest from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the principal repayment procedure.

Also, the financial support server 300 periodically or irregularly executes interest on the investment money to the investor 5 to which the affiliated financial institution 3 deposits the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal.

FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P accounts receivable loan financial technology service system 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 mortgage application information, the investment product information, and the investment application information including the receivable information and the loan condition information to be provided as the collateral received from the first information terminal 400.

The processor 120 may receive the secured loan application information for requesting the loan from the first information terminal 400 with the non-cash assets as collateral.

The processor 120 may communicate with the first information terminal 400 and provide screen information to the first information terminal 400 for receiving the secured loan application information from the first information terminal 400 .

The processor 120 transmits the collateral evaluation request information to the advisory support server 200 for the accounts receivable provided as collateral. For this, the processor 120 generates the collateral evaluation request information based on the secured loan application information input from the first information terminal 400.

The accounts receivable provided as collateral here may be the receivables held by the applicant (4) or may be the accounts receivable held by the third party. The present invention is not limited to this, and it is possible that a trade receivable in various conditions that can be traded in the trade market of the receivables trade may be provided as collateral.

The processor 120 receives an investment application signal from the second information terminal 500. The processor 120 may communicate with the second information terminal 500 and provide screen information to the second information terminal 500 to receive investment application information from the second information terminal 500. [

The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party.

For example, the loan repayment method may include a principal repayment maturity repayment method, principal repayment method, and interest monthly payment method.

The advisory support server 200 receives the sales credit collateral evaluation request signal from the financial technical service apparatus 100 and performs evaluation on the collateral of the trade receivable and returns the evaluation result data to the financial technology service apparatus 100.

The advisory support server 200 calculates a security value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100. The security value result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

The advisory support server 200 executes various scenario accessing processes for accounts receivable to generate the bankruptcy probability information of the corresponding company.

The consulting support server 200 can generate the risk management information for the requested accounts receivable. Risk management information is generated by evaluating the value of the collateral for the accounts receivable commissioned for evaluation by data and analysis techniques. The risk management information may include information on the mortgage rate change that is grasped in real time.

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 and transmits the deposit account information included in the secured loan application information received from the first information terminal 400 And stores it. 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 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 via a communication network, Respectively.

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 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 by the loan applicant 4 and the investor 5 Lt; RTI ID = 0.0 > and / or < / RTI > 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. Such a communication network transmits signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 .

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 through a communication network and use various financial transaction services Lt; RTI ID = 0.0 > wired / wireless < / RTI >

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 financial service apparatus 100 such as a mobile game machine, a Digital Multimedia Broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, a financial support server 400, a storage support server 600 Or a wired / wireless home appliance / communication device having a user interface for accessing the wired / wireless home appliance / communication 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.

The archive support server 600 performs communication with the first information terminal 400 and the financial technology service apparatus 100 to request a collateral reception for the receivables and a process for purchasing the exclusive safes.

The storage support server (600) transmits the information on the receipt of the exclusive safe to the financial technology service apparatus (100) when the merchandise security certificate is completed in the exclusive safe. The completion information of the exclusive safe can include the identification information of the exclusive safe, the authentication photograph of the exclusive safe, and the receipt completion confirmation information.

The archive support server 600 can provide the information on the arrival of the exclusive safe for the first information terminal 400 or the financial technology service apparatus 100. [

The storage support server 600 periodically checks the storage status of the receipt certificate received in the exclusive safe and provides the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 can do.

FIG. 4 is a flowchart illustrating a method of providing a P2P trade mortgage loan financial technology service according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service device 100 receives merchandise security loan application information from the first information terminal 400 (S10).

Here, the mortgage application information may include the type of the receivable to be provided as collateral, the desired amount of the loan, the loan condition, the deposit account number, the name, the telephone number, the e-mail address,

The collateral evaluation grade may include the credit bond investment trustworthiness rating of the loan applicant calculated and given by the collateral evaluation process of the financial technical service device 100. [ The reliability rating of the receivables bond is based on an absolute profit based first rating which is calculated by reflecting the yield according to the information on the sales receivables of the applicant of the loan and a second rating based on the relative profit based on the first rating, And a third evaluation class calculated by synthesizing the second evaluation class.

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

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

The financial technology service apparatus 100 performs the security certification process as a part of the lending examination process based on the receivables application information received from the first information terminal 400 (S20).

The financial technology service apparatus 100 may request the advisory support server 200 to perform a collateral evaluation and loan possibility for the merchandise receipt application information.

The financial technology service apparatus 100 can determine whether the secured loan can be made by receiving the assurance-enabling evaluation determination information for the collateral written in the accounts receivable application information from the advisory support server 200. [ If it is determined that the secured lending is possible, the lendable guidance information is transmitted to the first information terminal 400. If it is determined that the secured lending is not possible, the non-lending guidance information may be transmitted to the first information terminal 400 .

Meanwhile, the financial technology service apparatus 100 can perform the loan demand forecasting investigation process as part of the loan examination process (S30). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [ However, the present invention is not limited thereto, and the loan demand forecasting investigation process can be selectively applied. Therefore, the loan demand forecasting investigation process can be omitted.

The financial technology service apparatus 100 can interoperate with the second information terminal 500 to process and communicate various data and electronic signals necessary for estimating the possibility of attracting investors from the investors through the loan demand forecasting investigation process have.

In other words, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand forecast P2P platform to predict loan demand for the investors in cooperation with the second information terminal 500. [ 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. [

In addition, the financial technology service apparatus 100 interworks with the first information terminal 400 to process various data necessary for allowing the loan applicant to modify the loan conditions based on the loan demand forecast result, Can be performed.

To this end, the financial technology service apparatus 100 may generate demand prediction request information for counting the available funds to be invested in the accounts receivable secured loan.

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

Accordingly, the investors participating in the demand forecast can generate the demand forecast result information by responding to the items described in the demand forecast request information items according to their own investment methods. For example, investors participating in demand forecasts can enter or select 50 million won for the loanable amount. You can enter or choose 5.6% per annum on the lending rate. The loan period can be set to 30 days, 60 days, 90 days, and monthly. 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 stored demand forecast result information can be used to perform the cashing of the collateral.

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.

Through the demand forecast investigation process, the financial technology service apparatus 100 can determine whether the loan condition of the mortgage-based investment product to be launched is appropriate. For example, the financial technology service apparatus 100 can estimate that even if a favorable condition for a loan applicant is offered, it is possible to receive a loan rather than an initial loan offer condition submitted to the demand forecasting investigation process. In this case, the financial technology service apparatus 100 can guide the first information terminal 400 about the possibility that the attracting of investors may be prematurely terminated due to the value stability of the secured asset, and suggest a higher loan interest rate There is also a number, and it is possible to suggest a higher loan amount. In addition, the financial technology service apparatus 100 can reflect such positive demand forecast results as a reference for the loan review process.

On the other hand, the financial technology service apparatus 100 can estimate that the loan can not be made under the first proposal condition submitted to the demand forecasting investigation process. In this case, since the value of the collateral asset in the first information terminal 400 is not being evaluated positively in the current market, the financial technology service apparatus 100 may have difficulty in attracting investors or ending within a predetermined period You can guide the possibility. Also, the financial technology service apparatus 100 may suggest a lower loan interest rate in order to attract investors because the value of the collateral asset in the first information terminal 400 is not being evaluated positively in the current market There is also the possibility to offer a lower loan amount. In addition, the financial technology service apparatus 100 can reflect such negative demand forecast results as references in the loan review process.

The financial technical service apparatus 100 determines whether the collateral availability evaluation and the loan possibility obtained in conjunction with the advisory support server 200 with respect to the receivable application loan information in the loan review process, Can finally be determined.

For example, the financial technology service apparatus 100 can finally determine whether to execute the secured loan taking into account the possibility of collateral availability evaluation and the possibility of lending obtained through interlocking with the advisory support server 200. In this case, the results of the demand forecast survey are merely reference data on whether or not the mortgage loan is executed and may not be actually reflected.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecast result. In this case, the feasibility evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 are merely reference data internally, and may not be substantially reflected.

For example, the financial technology service apparatus 100 may finally decide whether to execute the secured loan taking into consideration the possibility of the collateral availability evaluation and the possibility of lending acquired through the interlocking with the advisory support server 200. In this case, the results of the demand forecast survey can be used as a reference for the execution of the mortgage loan and some can be reflected. In this case, the results of the demand forecast survey may not necessarily be a requirement to prevent a loan from being executed.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecasting result. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 can be partially reflected as a reference for the execution of the secured loan. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 may not necessarily be a necessary requirement to prevent the lending from being executed.

For example, the financial technology service apparatus 100 can finally determine whether to execute the mortgage loan taking into consideration the possibility of the mortgage-possible evaluation and the loan obtained through interlocking with the advisory support server 200, have. In this case, the collateral feasibility evaluation obtained through interlocking with the consulting support server 200 and the possibility of lending or the result of demand forecasting may correspond to the essential requirement that the lending can not be executed.

In other words, if the mortgage feasibility evaluation and loan possibility obtained through interlocking with the consulting support server 200 and the judgment ratio are provided for each of the demand prediction investigation results, or if either of the two can not achieve the minimum rate, It may fail to execute.

If it is determined that the secured loan can be made, the financial technology service apparatus 100 performs a pre-sales collateralized mortgage process through communication of the first information terminal 400 (S40).

To this end, the first information terminal 400 may access the integrated network and perform the redemption condition receipt transfer process. The first information terminal 400 may access the integrated network and perform the corresponding process for the redemption condition receipt transfer process.

The financial technology service apparatus 100 may receive the receipt of the receivables transfer completion message from the first information terminal 400. To this end, the first information terminal 400 may receive an input signal for confirming that the receivables transfer has been completed from the applicant for loan.

The financial technology service apparatus 100 opens an investment product based on the secured loan application information received from the first information terminal 400 when the pre-sales collateralized mortgage advance process is completed, (S50) so that the investor can request the investment and deposit the investment.

At this time, the financial technology service apparatus 100 can display the investment goods information so that the investment goods in which the second information terminal 500 is opened can be browsed for investment attraction. The investment product information may include collateral information, investment decision information, and loan condition information.

The collateral information may include information on the collateral that can be viewed by the investors from the collateral application information. For example, the collateral information may include the type of trade receivable, the amount of the loan, the terms of the loan, and the collateral valuation grade to be provided as collateral.

The investment decision information may include investment decision information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include formal investment decision information and non-standardized investment decision information. Here, the investment decision information formatted in the form of investment is determined by the financial technology service apparatus 100 based on the accounts receivable application information received from the first information terminal 400, And may include judgment information. For example, the standardized investment decision information is a standardized and quantified index of the possibility of collateral evaluation and the possibility of lending to the accounts receivable application information acquired from the financial adviser server 200 by the financial technical service apparatus 100 .

Meanwhile, the informal investment decision information may include information that can be viewed by the investors based on the demand forecast result information obtained through the demand prediction. For example, non-standardized investment decision information can be optionally included among the number of investors participating in the demand forecast survey, the estimated amount of investment, investor information, information on investment participation check result, have.

Here, the investor information may optionally include the type of investor participating in the demand forecasting survey, the investor's job group participating in the demand forecasting survey, the company information participating in the demand forecasting survey, the preferred trade receivable information, the contact information, and the investment propensity information. The contact information may optionally include email, telephone number, and SNS account information. The investment propensity information may optionally include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The result of the participating check-in-cash check may include information indicating whether the collateral is willing to buy the collateral upon execution of the collateralized cash advance. The result of the participating check-in checkout of the security may include information indicating whether there is an intention to be notified prior to the execution of the checkout cash advance. The result of the check for participating in the collateralization cash flow can optionally include the price information, quantity information, and purchase condition information of the collateral with the buyer.

The investment fund information may optionally include the amount of the investment fund, the investment period, and the investment type information. The investment type information may optionally include interest income investment, equity participation investment, interest income and equity participation investment.

At this time, the non-standardized investment decision information may be set to different types of information that can be browsed according to the rating of the investor. For example, informal investment decision information can be set differently among general members, specialists, special members and VIP members.

In this case, to differentiate information types that can be browsed according to the investor 's rating on informal investment decision information, it is to give practical help to investors considering the tendency of investors.

For example, a general member may lack expertise in investment relative to a professional member. Therefore, if too specialized information is listed, general members will be confused about the investment information, resulting in psychological barrier formation. However, in the case of expert members, if too general information is listed, it results in not giving psychological reliability to the investment information. Therefore, it is possible for ordinary members to judge whether or not to invest, without giving psychological burden on the investment information by providing plain information according to the eye level of general members. Likewise, expert members can provide an in-depth type of information tailored to the level of expert members, providing an opportunity for thorough review of the investment information, thereby enabling them to judge whether or not to invest effectively.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

At this time, the financial technology service apparatus 100 may communicate with the first information terminal 400 and proceed with the investment inducement after the settlement of the platform fee is completed.

If the financial technical service apparatus 100 requests the cancellation of the mortgage loan proceeding 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 investment application information It is possible to carry out the process of refunding the investment account and the platform fee refund process to the investor's account (S60). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

When the investment inducement is normally completed, the financial technology service apparatus 100 performs the loan payment, the interest payment and the investment profit payment process (S70).

To this end, the financial technology service apparatus 100 can perform the loan payment, the interest payment, and the investment profit payment process through the financial service performed in the affiliated financial institution 3 through communication with the financial support server 300.

To this end, the financial support server 300 transmits the loan to the loan applicant 4 who has been granted loan approval by the P2P-based financial technology service company 1 by the affiliated financial institution 3, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

Also, the financial support server 300 periodically or irregularly provides the investor 5, who has made a deposit with the affiliated financial institution 3, the investment profit such as interest on the investment money.

In addition, the financial technology service apparatus 100 may perform the management and risk management process for the transferred receivables by communicating with the archive support server 600 (S80). Here, the risk management process can include the process of cashing the collateral.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the storage status information on the receivables that are replaced or transferred from the archive support server 600.

In addition, the financial technology service apparatus 100 may periodically or irregularly perform a security value evaluation for the collateral, and may transmit a security deposit additional deposit message to the first information terminal 300 when the collateral value falls. In addition, if the security value service device 100 continues to receive a collateral value even though the security deposit is not transferred despite the transfer of the security deposit message, the security technical service device 100 may perform the risk management Process can be executed. The process of cashing the collateral in this way is called the collateralization process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

The financial technology service apparatus 100 can perform the loan expiration processing process when the expiration of the loan expires (S90).

To this end, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 when the expiration date of the loan expires, and if it is determined that the expiration date of the loan expires, Process, process the rights transfer process for the collateral, and proceed with the process of signing the collateral for the collateral.

On the other hand, the financial technology service apparatus 100 can perform the collateral return processing process when the payment of the loan is completed (S100).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 for the return of the collateral, performs the collateral delivery process, and completes the return of the collateral through the confirmation of the collateral.

FIG. 5 is a flowchart for explaining a security availability certification process in a P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 transmits security assurance request information for a receivable to the financial technology service apparatus 100 (S21). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the authentication of the security information. Accordingly, the first information terminal 400 can complete the security availability authentication request from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The financial technology service apparatus 100 transmits the assurance possible evaluation request information for the accounts receivable to the advisory support server 300. (S22)

The collateralizable evaluation request information is request information inquiring whether the sales receivable is collateralizable. The assurance possible evaluation request information may be transmitted to the advisory support server 200 by the financial technology service apparatus 100, but the present invention is not limited thereto. The assurance availability request information can be transmitted directly to the authentication financial institution server handling the corresponding receivables without passing through the advisory support server 200 in the financial technology service apparatus 100. [

The financial technology service apparatus 100 receives the assurance-enabling evaluation determination information on the accounts receivable from the advisory support server 200 (S23). In another embodiment of the present invention, the assurance availability request information may be transmitted to the financial technology service apparatus 100 directly from the bond authentication financial institution server handling the corresponding trade receipt without passing through the advisory support server 300 .

The financial technology service apparatus 100 determines whether it is possible to secure a collateral for the receivable from the collateralizable evaluation determination information on the receivable (S24). If it is determined that the security can be secured, the lendable guidance information is transmitted to the first information terminal 400 (S25).

If the financial technical service apparatus 100 determines that collateral can not be secured from the collateral possibility evaluation decision information on the receivable (S24), the financial technical service apparatus 100 transmits the non-delivery guidance information to the first information terminal 400 (S26).

FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 can generate demand prediction request information by aggregating investment available funds to be invested in a trade receivable secured loan using the demand forecast P2P platform according to the loan demand forecasting investigation process (S31). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [

Here, the demand forecast request information may be generated based on the mortgage loan application information for applying for a loan with the trade receivable received and stored by the financial technology service apparatus 100 from the first information terminal 400 .

In addition, the investment allowable amount count check information includes evaluation result data on the accounts receivable collateral received from the advisory support server 200, information on the collateral value estimation, bankruptcy probability information of the accounts receivable issuer, And may be generated based on risk management information.

The evaluation result data on the sales receivable collateral is generated by the advisory support server 200 receiving the sales credit collateral evaluation request signal from the financial technical service apparatus 100, evaluating the collateral of the trade receivable, (100). ≪ / RTI >

The security value result information is generated by the advisory support server 200 by calculating the security value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100 and provided to the financial technology service device 100 .

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

Risk management information is generated for the accounts receivable requested by the advisory support server 200. [ Risk management information is generated by evaluating the value of the collateral for the accounts receivable commissioned for evaluation by data and analysis techniques. The risk management information may include information on the mortgage rate change that is grasped in real time.

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 corresponding accounts receivable loan. In addition, the demand prediction request information may include a checklist of participating in the cash-on-demand to check whether the participant is willing to participate in the purchase of the collateral when executing the cash-on-collateralization. In addition, the demand forecast request information includes information on the application of the mortgage loan for forecasting the demand, evaluation result data on the sales collateral, information on the value of the collateral value, and the probability of bankruptcy of the enterprise so that the investor (5) , Risk management information, or offer amount information.

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

The demand forecast result information may include investor information, information on the results of the investment participation check, information on the results of the check on participating in the realization of the collateralization, and investment fund information. Here, the investor information may include the type of investor participating in the demand forecast survey, the investor's job group participating in the demand forecast survey, the company information participating in the demand forecast survey, the preferred trade receivable information, the contact information and the investment propensity information. The contact information may include email, telephone number, and SNS account information. The investment propensity information may include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The result of the participating check-in-cash check may include information indicating whether the collateral is willing to buy the collateral upon execution of the collateralized cash advance. The result of the participating check-in checkout of the security may include information indicating whether there is an intention to be notified prior to the execution of the checkout cash advance. The result of the check for participating in the mortgage cashing check may include the price information, quantity information, and purchase condition information of the collateral with the buyer.

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).

Meanwhile, if the collection amount is not satisfied according to the determination result, the financial technology service apparatus 100 transmits a non-rental notification message to the first information terminal 400 (S26).

FIG. 7 is a flowchart for explaining a pre-mortgage loan process in the P2P trade mortgage lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits the collateral acceptance request information to the financial technology service apparatus 100 for the collateral loan advance process for the sales receipt (S41). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the receipt of the collateral for the accounts receivable. Accordingly, the first information terminal 400 can complete the receipt of the collateral for the trade receivable from the menu displayed on the screen information provided by the financial technology service device 100. [

Accordingly, the first information terminal 400 can access the integrated network and perform the redemption condition receipt transfer process. The first information terminal 400 may access the integrated network and perform the corresponding process for the redemption condition receipt transfer process.

The first information terminal 400 transmits the refund condition contract completion information to the financial technology service apparatus 100 (S42). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the re-sale condition contract completion information. Accordingly, the first information terminal 400 can transmit the re-sale condition contract completion information from the menu displayed on the screen information provided by the financial technology service device 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include redemption condition agreement information and contract agreement agreement confirmation information. In this case, the conditions for repurchase are that if the requested procedure such as interest payment established for the loan is not followed after the receivable is secured as collateral or if the value of the receivable falls below the collateral price, And may include redemption conditions for trade receivables to distribute the risk factors of the investor.

The first information terminal 400 transmits a collateral receipt completion message to the financial technology service device 100 (S63). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit a goods receipt completion message for the receivables. Therefore, the first information terminal 400 can transmit the receipt completion information for the merchandise receipt in the menu displayed on the screen information provided by the financial technology service apparatus 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include screen information for inputting exclusive safe identification information, a dedicated safe deposit stock photograph, and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the private safe identification information, the authenticating image of wearing the private safe, and the confirmation of the goods receipt completion from the menu displayed on the screen information provided by the financial technology service apparatus 100, Completion information can be transmitted to the financial technology service apparatus 100. [ The completion of the receipt of the exclusive safe sent from the first information terminal 400 to the financial technology service apparatus 100 can be transmitted from the archive support server 600 to the financial technology service apparatus 100. [ In other words, the financial technology service apparatus 100 may receive the exclusive safe identification information, the authentication image for wearing the exclusive safe, and the receipt completion confirmation information from the archive support server 600.

FIG. 8 is a view for explaining the process of cash-collateralization in the P2P trade mortgage lending financial technology service method according to the embodiment of the present invention.

Referring to FIG. 8, when the financial technology service apparatus 100 approached or fulfilled the requirement for realizing the collateralization of the collateral against the collateral, the financial technology service apparatus 100 transmits the collateral execution notification message of the collateral including the maintenance margin payment guide for maintaining the collateral, To the information terminal 400 (S81). Basically, the requirement to carry out the realization of the collateral may include the value of the collateral falling below the collateral retention line.

If the financial technical service apparatus 100 determines that the maintenance margin is in an unpaid state such that a predetermined date has elapsed (S82), the financial technical service apparatus 100 starts the cash-back process of the collateral.

The financial technology service apparatus 100 transmits guidance information that can participate in the cashing of the collateral to the second information terminal 500 corresponding to the preferred investor information secured through the demand forecasting survey in operation S83.

First, investor information can be obtained from the demand forecast result information secured at the time of demand forecast investigation. The demand forecast result information includes investor information, investment participant check result information, collateral check participant check result information, and investment fund information.

Investor information may include investor contact information. The contact information can include email, telephone number, SNS account information, preferred trade receivable information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information. Accordingly, the financial technology service device 100 can transmit information to the second information terminal 500, which can participate in the realization of the collateral, on the basis of the contact information of the preferred investors based on the checking result of the collateralized participation in the collateral. Participating in the encashment of the collateral here means buying the collateral.

The result of the checklist of participating in the collateralization check is information indicating whether the collateral is willing to buy the collateral at the time the collateral is executed, information indicating whether the collateral is to be notified prior to execution of the cash collateral, The price information of the collateral, the quantity information, and the purchase condition information.

The financial technology service apparatus 100 first receives the participation request information from the second information terminal 500 of the investor in the cashing of the collateral (S84).

Participation request information may include information to inform the buyer of the collateral when the collateral is executed, the price information of the collateral with the buyer, quantity information, and purchase condition information.

The financial technology service apparatus 100 first proceeds with the selling process for the collateral based on the participation request information received from the second information terminal 500 of the investor (S85). The proceeds of the selling process can be appropriately used and used in the process of cashing various collateral. Once the selling process is completed and the collateral is liquidated, the remaining balance is returned to the lender, except for the amount that should be returned to the investor.

FIG. 9 is a diagram for explaining a loan due date notification process in the method of providing P2P accounts receivable loan finance technology according to an embodiment of the present invention.

Referring to FIG. 9, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 (S91) when the loan expires.

If it is determined that the expiration date of the loan expires, the financial technology service apparatus 100 proceeds with the transfer of the name (S92). To this end, the financial technology service apparatus 100 transmits a name transfer request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds with the rights acquisition process for the corresponding collateralized merchandise when the process for transferring the name of the collateralized merchandise is completed (S93). To this end, the financial technology service device 100 may transmit a rights pumping request signal to the financial support server 300. [

The financial technology service apparatus 100 proceeds with the sale contract process for the collateral after the right acquisition process for the collateral for sales receivables is completed (S94). Accordingly, the financial technology service apparatus 100 completes the sale of the collateralized collateral.

FIG. 10 is a view for explaining a process for returning a collateralized goods in the P2P commercial bank loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 10, the first information terminal 400 transmits a request for returning a merchandise security object to the financial technology service device 100 (S101). Accordingly, the financial technology service device 100 transmits the exclusive safe deposit information to the storage support server 600 (S102). Accordingly, the archive support server 600 performs a delivery process for the corresponding private safe. The first information terminal 400 transmits the merchandise security verification information to the financial technology service apparatus 100 (S103). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the merchandise security verification information. Accordingly, the first information terminal 400 can transmit the merchandise security verification information from the menu displayed on the screen information provided by the financial technology service device 100. When the financial technology service apparatus 100 receives the merchandise security confirmation information from the first information terminal 400,

In the embodiment of the present invention, the method of P2P accounts receivable finance loan technology service in which the receivables are held and the stored receivables are held as collateral to the lender is explained in detail.

We also explained how to raise money for investors who want to invest their cash assets in a crowd-funded way, and lend them to the applicant.

However, in an embodiment of the present invention, some of the general procedures of accounts receivable loan, P2P loan, crowd funding, and processing of data and electronic signals for performing the procedures may be omitted. As such, if the knowledge of the field is possessed, it can be variously selected and implemented by a variety of conventional procedures and data and electronic signal processing, so that even if it is not specifically described, the P2P accounts receivable loan finance It can be seen that a variety of technical service methods can be implemented.

Also, in one embodiment of the present invention, the information on the application of the receivable-secured loan includes the purchasing company, the selling company, the desired amount of the loan, and the reliability evaluation rating of the receivables investment trust, Based on the absolute profit based on the return of the information and the second rating on the basis of the relative profit calculated by linking the rise rate of the market information to the first rating, Respectively.

Accordingly, in another embodiment of the present invention, a P2P mortgage finance technology service method can be performed by applying a credit bond investment reliability evaluation based on the performance of accounts receivable investment. That is, the investment performance based on the absolute bond, which is calculated based on the information on the sales receivable trade of the target person such as the trade receivable investor, and the investment performance based on the relative profit, which is calculated by associating the composite index, , It is possible to determine the financial transaction limit at the time of the receivables loan or investment attraction by calculating the evaluation grade for evaluating the credibility of the accounts receivable of the evaluation subject, and to perform the P2P secured loan financial technology service based on the determination.

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

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 the absolute profit is reflected and the investment performance based on the relative profit is reflected, it means that the evaluation of credit bond investment trust is implemented properly in the method of P2P accounts receivable loan financial technology service, The amount can be elaborately calculated.

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 (13)

The financial technical service apparatus proceeds the demand forecast investigation of the accounts receivable provided as collateral through communication with the second information terminal based on the receivable application information of the receivable secured from the first information terminal, Performing a loan review using information and demand forecasting survey results;
The financial technical service device establishing an investment product based on the investment application information received from the second information terminal through communication with the financial support server and performing investment attraction;
Processing the data and the electronic signal for transferring the loan to the account designated in the receivables application form information by receiving the investment money from the second information terminal and executing the mortgage loan with the receivable as the collateral ; And
When the financial technical service apparatus executes the cashing of the collateral for which the collateral loan is executed, transmits to the second information terminal corresponding to the preferred investor information secured through the demand forecast investigation information capable of participating in the cash collateralization, And performing the processing of the data and the electronic signal to perform the cashing of the P2P receivable loan financial technology service method.
The method of claim 1, wherein the performing the loan review comprises:
Generating demand forecast request information for aggregating investment available funds to be invested in a trade receivable secured loan using a demand forecast P2P platform and transmitting the demand forecast request information to the second information terminal;
Receiving demand prediction result information from the second information terminal; And
And transmitting the lendable guidance information to the first information terminal if the amount of money to be collected is satisfied according to the demand forecast result information and transmitting the lendable guidance information to the first information terminal if the amount of money to be collected is not satisfied, Mortgage - Backed Secured Loans.
3. The method of claim 2,
Wherein the demand prediction request information includes investment participation check information for checking whether the participant intends to participate in the investment for the corresponding accounts receivable secured loan.
3. The method of claim 2,
Wherein the demand prediction request information includes security check participation participation information for checking whether the participant is willing to participate in the purchase of the collateral at the time of executing the cash collateralization of the collateral.
3. The method of claim 2,
Wherein the demand forecast result information includes at least one of investor information, investment participant check result information, information on a result of checking whether the borrower has participated in cashing, and investment fund information.
6. The method of claim 5,
The result of the checklist of participating in the collateralization check is the information indicating whether the collateral is willing to buy the collateral at the time the collateral is executed, the information indicating whether the collateral will be preferentially notified when the collateral is executed, The price information of the collateral, and the purchase condition information.
7. The method according to any one of claims 1 to 6,
The information on the receivable application for lending includes the selling company, the purchasing company, the desired amount of the loan, and the credit reliability rating of the receivables,
The credit rating of the credit bond investment trust is based on an absolute profit-based first rating, which is calculated by reflecting the profit rate of the loan applicant's trade receivables information, and a relative profit based on the first rating, And the second evaluation grade of P2P, which is the evaluation grade calculated by combining the second evaluation grade of P2P.
The method as claimed in claim 1, wherein the step of opening the investment product and performing the investment induction comprises:
The investment product information is displayed such that the investment product in which the second information terminal is opened can be browsed for attracting investment, and the investment product information includes information on the investment decision information including information on asymmetry of information, Way.
9. The method of claim 8,
Wherein the investment decision information to which the asymmetry of the information is applied comprises formalized investment decision information and informal investment decision information.
A data storage unit for storing the mortgage application information, the investment product information, and the investment application information including the receivable information and the loan condition information provided as the collateral received from the first information terminal; And
The method comprising the steps of: conducting a demand forecast investigation on accounts receivable provided as collateral through communication with the second information terminal based on the accounts receivable application information received from the first information terminal; Performing loan examination using the survey result, opening an investment product, performing investment inducement, depositing the investment based on the investment application information received from the second information terminal through communication with the financial support server, When executing the mortgage loan with the trade receivable as the collateral and cashing the collateral executed with the secured loan, the second information terminal corresponding to the preferred investor information secured through the demand forecast investigation participates in the cashing of the collateral To carry out the processing of data and electronic signals to carry out the cashing of the collateral Wherein the processor comprises a processor.
The financial technical service apparatus proceeds with a demand forecast investigation of a trade receivable provided as collateral through communication with the second information terminal based on the receivable loan application information received from the first information terminal, Performing a loan review using a demand forecast survey result;
The financial technical service device establishes an investment product based on the investment application information received from the second information terminal through communication with the financial support server, performs investment inducement, deposits the investment money, Performing a process for data and electronic signals for transferring a loan to an account specified in the receivable-loan application information by executing a secured loan; And
And the financial technical service device performing the interest payment and investment payment payment process based on the mortgage loan through communication with the financial support server.
A data storage unit for storing the mortgage application information, the investment product information, and the investment application information including the receivable information and the loan condition information provided as the collateral received from the first information terminal; And
The method comprising the steps of: conducting a demand forecast investigation on accounts receivable provided as collateral through communication with the second information terminal based on the secured loan application information received from the first information terminal, using the secured loan application information and the demand forecast result A credit check is performed, an investment product is opened, an investment attraction is performed, money is deposited on the basis of the investment application information received from the second information terminal through communication with the financial support server, Performing a mortgage loan as collateral, processing data and electronic signals for transferring the loan to the account designated in the receivable-secured loan application information, and transmitting the interest payment based on the mortgage loan through communication with the financial support server A financial technology service device comprising a processor for performing an investment payment process.
The financial technical service device performing a loan examination for a trade receivable provided as collateral based on the secured loan application information received from the first information terminal;
The financial technical service device establishes an investment product based on the investment application information received from the second information terminal through communication with the financial support server, performs investment inducement, deposits the investment money, Performing a process for data and electronic signals for transferring a loan to an account specified in the receivable-loan application information by executing a secured loan; And
And the financial technical service device performing the interest payment and investment payment payment process based on the mortgage loan through communication with the financial support server.

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