KR20170099043A - Method for peer to peer vertual currency secured loan financial technology service and apparatus thereof - Google Patents

Method for peer to peer vertual currency secured loan financial technology service and apparatus thereof Download PDF

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KR20170099043A
KR20170099043A KR1020160020905A KR20160020905A KR20170099043A KR 20170099043 A KR20170099043 A KR 20170099043A KR 1020160020905 A KR1020160020905 A KR 1020160020905A KR 20160020905 A KR20160020905 A KR 20160020905A KR 20170099043 A KR20170099043 A KR 20170099043A
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information
investment
loan
collateral
virtual money
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KR1020160020905A
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Korean (ko)
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김해동
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김해동
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    • G06Q40/025—
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0281—Customer communication at a business location, e.g. providing product or service information, consulting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services

Abstract

In the P2P virtual money lending financial technology service method, the financial technical service device transmits a demand forecasting request for virtual money provided as collateral through communication with the second information terminal based on the virtual money lending application information received from the first information terminal , And can perform the loan review using the virtual money secured loan application information and the demand forecast investigation result. Next, the financial technology service device opens an investment product, performs investment attraction, and receives the investment money based on the investment application information received from the second information terminal through communication with the financial support server, and acquires the virtual money 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 P2P virtual money lending financial technology service method and apparatus,

The present invention relates to a P2P (Peer to Peer) virtual money lending financial technology service method and apparatus, and more particularly, to a P2P After conducting a demand forecast survey on the collateral and conducting a P2P mortgage loan based on the data collected from the demand forecast survey, if it meets the requirement to execute the collateralized mortgage loan, based on the data collected from the demand forecast survey, P2P virtual money lending financial technology service method and apparatus 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, although the origins of money are not known precisely, money has evolved from commodity money through metal money to fiat money. As the Internet became popular, electronic money appeared and recently virtual currency appeared.

According to the European Central Bank, virtual money is used in virtual worlds like online communities and is the digital currency managed by virtual currency issuers. Virtual currencies are classified into closed, unidirectional, and bidirectional currencies, depending on whether the legal currency and virtualization closure can be exchanged.

Virtual currencies are not fully equipped with legal basis compared to electronic currencies, so they are free to issue and circulate, and they display the monetary value in separate units. While electronic money is mainly exposed to operational risks, virtual money can face various risks such as legal, credit, and operational risks.

Currently the most active virtual currency is Bitcoin and Linden Dollar. Bitcoin is the currency issued by public key based encryption method developed by Nakamoto Satoshi, who is known as Japanese in 2009. Bitcoin is a decentralized currency that does not have a publishing institution. It can exchange money with 16 countries' currencies and use P2P network.

In July 2013, the converted value reaches $ 1 billion, and various services using bit coins such as Bitbill and Bitcoin ATM are emerging. Linden Dollar is a currency issued by Linden Lab in 2003 for use in a virtual world called Second Life. In Second Life, users can use Linden Dollar to conduct social, cultural and economic activities as in the real world. By 2013, the amount traded in Second Life was $ 3.2 billion.

Virtual currency has grown from experimental currency to the means of payment of real goods and services. Recently, virtual money has been used as money laundering, drug trade, and speculative means, and interest in virtual money is increasing. To solve the problems of virtual money and to strengthen the soundness and sustainability of virtual money, a legal basis related to virtual money should be established. Institutional supplementary equipment should be provided to increase the stability of virtual currency value. In addition, measures should be taken to prevent abuse of virtual money, and the financial authorities of each country should establish a monitoring and supervision system so that virtual money can function properly as a means of payment.

Through such a series of processes, virtual money can be used as an alternative payment means suitable for cyberspace, and it will be able to create new value in our society.

However, bit coin is a multi-level transaction. Bitcoin has no intrinsic value like gold or silver, and its value can be determined by demand and supply. For example, before 2013, the value per beat coin was less than $ 20, but as interest in bit coin increased, it was traded at $ 265 per beatcoat in April 2013. Because bit coin itself is of no value, bit coin value is very likely to collapse if there is no demand for bit coin. If the value of the beat coin collapses or the trading system is closed, the impact on the real economy will not be negligible.

Therefore, lenders will adhere to the conservative method of valuing the value of virtual money. 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, if the virtual money that is not officially priced such as virtual money is collateralized, it is necessary to estimate the reasonable value of it and to accelerate the realization of the collateral if the collateralization is necessary 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.

A problem to be solved by the present invention is to perform a demand forecast investigation on collateral not having an official price such as a virtual coin such as a bit coin in a P2P secured loan and to provide a P2P secured loan The present invention provides a P2P virtual money lending financial technology service method and apparatus for realizing the collateralization based on the data collected in the demand forecasting investigation when the realization requirement of the collateralized realization is executed.

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

According to an aspect of the present invention, in a P2P virtual money lending financial technology service method, a financial technical service device is provided with a virtual money lending application service, which is provided as collateral through communication with a second information terminal based on virtual money lending application information received from a first information terminal It is possible to conduct demand forecasting research on virtual currency, and to conduct loan examination using information on virtual money secured loan application information and demand forecast results. Next, the financial technology service device opens an investment product, performs investment attraction, and receives the investment money based on the investment application information received from the second information terminal through communication with the financial support server, and acquires the virtual money 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 application information including virtual currency information and loan condition information provided as collateral received from the first information terminal for the P2P virtual money lending financial technical service, A data storage unit for storing investment application information; And a processor. Here, the processor may proceed with a demand forecast investigation of virtual money provided as collateral through communication with the second information terminal based on the virtual money lending application information received from the first information terminal. The processor can perform the loan review using the virtual money lending application information and the demand forecasting investigation result. The processor establishes an investment product, performs investment attraction, deposits the investment based on the investment application information received from the second information terminal through communication with the financial support server, and executes the secured loan with the virtual money 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, in a P2P virtual money lending financial technology service method, a financial technical service device is provided with a virtual money lending application service, which is provided as collateral through communication with a second information terminal based on virtual money lending application information received from a first information terminal Demand forecasting for virtual currency can be conducted and lending review can be performed using the mortgage application information and demand forecasting survey results. The financial technical service apparatus opens an investment product, performs investment attraction, and receives investment fund based on the investment application information received from the second information terminal through communication with the financial support server, receives the investment money by using the virtual money as collateral, To process data and electronic signals for transferring the loan to the account specified in the virtual money 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 application information including virtual currency information and loan condition information provided as collateral received from the first information terminal for the P2P virtual money lending financial technical service, And a data storage unit for storing investment application information, and a processor. Here, the processor performs a demand forecast investigation on the virtual money 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 opens 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 the secured loan by using the virtual money as collateral And can process data and electronic signals for transferring the loan to the account specified in the virtual money 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 a P2P virtual money lending financial technology service method, a financial technical service device performs a lending review on a virtual money provided as a collateral based on virtual money lending application information received from a first information terminal . Next, the financial technical service device opens 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 uses the virtual money 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 is not officially priced, such as a virtual coin such as a bit coin in a P2P secured loan, and a P2P secured loan is executed based on data collected in a demand forecast survey In the event that the collateral fulfillment requirement meets later, the collateralization of the collateral can be carried out based on the data collected in the demand forecasting survey.

According to the present invention, when a virtual money that is not officially priced, such as virtual money, is used as a security in a P2P secured lending process, a reasonable value of the virtual money is calculated, and in the case where the security of the collateral is necessary, You can proceed.

According to the present invention, by appropriately interlocking virtual money lending, peer-to-peer (P2P) lending and crowd funding through Internet-based technology, a lender can receive a loan with his or her own virtual money 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 the liquidity through accurate value analysis of the virtual money which is not easily recognized as the value of the collateral object.

According to the present invention, it is possible to secure stability for investors by putting virtual money as collateral for individual commodities.

According to the present invention, it is possible to obtain higher securitization compared to existing financial institutions by receiving an appropriate standard price of the collateral by the virtual money investment advisory group.

According to the present invention, since the interest rate of a loan is determined by a formula that is formulated, it is applied reasonably, and ultimately contributes to the activation of the virtual money market.

According to the present invention, it is possible to secure investment by securing a collateral called virtual money by avoiding the framework 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, virtual money investment and mortgage can be made using P2P platform by connecting virtual money investors (loan applicants) and individual borrowers (investors) by applying virtual money and investment to PinTech in the era of P2P lending .

1 is a view for explaining a concept of a P2P virtual money lending financial technology service according to an embodiment of the present invention.
2 is a diagram for explaining a P2P virtual money lending financial technology service system according to an embodiment of the present invention.
3 is a view for explaining a financial technology service apparatus in a P2P virtual money lending financial technology service system according to an embodiment of the present invention.
4 is a flowchart illustrating a P2P virtual money lending financial technology service method according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a security-capable authentication process in a P2P virtual money lending financial technology service method according to an exemplary embodiment of the present invention.
6 is a flowchart illustrating a loan demand forecasting investigation process in a P2P virtual money lending financial technology service method according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a pre-mortgage loan process in a P2P virtual money lending financial technology service method according to an embodiment of the present invention.
FIG. 8 is a view for explaining a cash-on-demand process in a P2P virtual money lending financial technology service method according to an embodiment of the present invention.
9 is a diagram for explaining a loan due date notification process in the P2P virtual money lending financial technology service method according to an embodiment of the present invention.
FIG. 10 is a view for explaining a collateral return processing process in a P2P virtual money 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.

1 is a view for explaining a concept of a P2P virtual money lending financial technology service according to an embodiment of the present invention.

Referring to FIG. 1, a P2P virtual money lending financial technical service according to an embodiment of the present invention may be provided by a 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 To conduct P2P mortgage financing 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 virtual money, eg, bit coin, P2P-based financial technology service company (1) responds to the survey result after conducting a demand forecast survey through investor (5) The value of the collateral can be assessed as such and the availability of the loan can be determined accordingly.

Here, the virtual money may be Bitcoin. However, the present invention is not limited thereto and may include various kinds of virtual money.

The bit coin is traded on the basis of the public key cryptosystem in the way that the bit coin electronic wallet holder trades. All bitcoin users have a pair of key values consisting of a public key acting as an address and a secret key used for electronic signatures when approving transactions. This key value can be stored in a file in the distributed database. If the file with the key value is deleted or disappears, the bit coin dealt with the key value also disappears. The bit coin user stores his / her pair of key values in the bit coin electronic wallet. The key value does not contain information related to the personal identity, so bit coin users are guaranteed anonymity.

The bit coin buyer must send his public key, which acts as an address, to the bit coin seller. The bit coin seller electronically signs the hash (hash) containing all transactions history and the public key of the bit coin buyer using his secret key. The bit coin is then moved from the bit coin seller's electronic wallet to the buyer's electronic wallet and the transaction is completed. The hash inside the bit coin stores all transactions history of the transaction target bit coin including the latest transaction history. In addition, all bit coin transactions occurring in the bit coin network are recorded in a block chain, which is disclosed to all bit coin users. Since the bit coin is traded through digital signatures, Nakamoto Satoshi defines the bit coin as a continuous digital signature.

Since the bit coin is a digital bit, there is a risk that it can be duplicated or forged and double spending. The bit coin can use a timestamp to prevent double use. The timestamp is a mechanism to confirm that there is a bit coin at the time of the transaction and that the block chain storing the transaction information of the bit coin has not been changed since the last transaction.

The bit coin trading system uses timestamps to check all transaction history related to the bit coin of the block chain and to approve the bit coin transaction only when there is no problem. When a transaction is approved, the hash stores the history of the block chain containing the transaction information and the timestamp confirmation. Bitcoin's trading system can prevent double use because it accepts transactions without problems with timestamp validation mechanisms. The time required to confirm the time stamp is several minutes to several tens of minutes.

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 virtual currency is collateralized and corresponds to the requirement to execute the realization of the collateral after the collateral loan is executed.

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 realized by storing the virtual money and executing the loan to the loan applicant with the stored virtual money 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 the loan application from the loan applicant (4) with the virtual currency as collateral. Here, the virtual currency provided as collateral may be a virtual currency held by the applicant (4), or may be a virtual currency held by a third party.

 A P2P-based financial technology service company (1) can request the investment adviser (2) to request a collateral evaluation for the virtual currency provided by the loan applicant (4) as collateral. The investment adviser 2 can calculate the security value of the requested virtual currency 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, ).

2 is a diagram for explaining a P2P virtual money lending financial technology service system according to an embodiment of the present invention.

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 kinds of data necessary for proceeding with the process of storing the virtual money and executing the loan with the stored virtual money as collateral, and for processing and communicating the electronic signal Lt; / RTI >

In addition, the financial technology service apparatus 100 includes an investment adviser 2 for performing evaluation of a collateral value for virtual money, a partner financial institution 3 for performing 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 cashing process of the collateral may be executed when the virtual currency is collateralized and the collateral fulfillment requirement of the collateral is executed after the collateral loan is executed.

In addition, the financial technology service apparatus 100 connects the loan applicant 4 who desires to borrow the virtual money possessed by the company with the collateral, and the investor 5 who wants to invest the cash assets possessed by the crowdfunding method by the 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 security value for the virtual currency requested for evaluation performed by the investment adviser 2, for example, the virtual currency collateral, and provides 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 corporation having 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 the corresponding company through various scenario approaches using the correlation between the debt ratio and the default rate as the accumulated virtual money 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.

3 is a view for explaining a financial technology service apparatus in a P2P virtual money lending 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 mortgage application information, investment product information, and investment application information including virtual currency information and loan condition information to be provided as 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 virtual money provided as the 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.

Here, the virtual currency provided as collateral may be a virtual currency held by the applicant (4), or may be a virtual currency held by a third party. The present invention is not limited thereto and may be provided as a virtual currency collateral under various conditions that can be traded in a virtual currency trading market.

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 virtual currency collateral evaluation request signal from the financial technical service apparatus 100, performs evaluation on the virtual money collateral, 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 consulting support server 200 may execute various scenario access processes for the virtual currency to generate risk management information for the requested virtual currency. Risk management information is generated by evaluating the value of the collateral for the virtual currency that has been commissioned 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 acceptance for virtual money and an electronic wallet receipt process.

The storage support server (600) transmits the electronic wallet stocking completion information to the financial technology service apparatus (100) when the virtual currency has been loaded on the electronic wallet. The goods receipt completion information may include electronic wallet identification information and receipt completion confirmation information.

The storage support server 600 may provide the goods receipt completion information to the first information terminal 400 or the financial technology service apparatus 100. [

The archiving support server 600 periodically checks the storage status of the virtual money received in the electronic wallet and provides the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 .

4 is a flowchart illustrating a P2P virtual money lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service device 100 receives virtual money lending application information from the first information terminal 400 (S10).

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

The mortgage evaluation rating may include the loan applicant's virtual money investment trustworthiness rating calculated and provided by the mortgage evaluation process of the financial technology service device 100. [ The virtual money investment trustworthiness rating grade is based on the absolute rating based on the profit rate of the applicant's virtual money trading information and the relative valuation based on the first evaluation 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 virtual money secured loan application information.

The financial technology service apparatus 100 performs a security feasibility authentication process as a part of the lending examination process based on the virtual money lending 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 the security evaluation and loan possibility of the virtual money secured loan application information.

The financial technology service apparatus 100 can receive the collateral availability evaluation determination information for the collateral described in the virtual money lending application information from the consultation support server 200 to determine whether the collateral loan is possible. 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 forecast request information for counting investment available funds to be invested in the virtual money 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 technology service apparatus 100 determines whether the mortgage possible evaluation and loan possibility obtained in conjunction with the advisory support server 200 with respect to the virtual money secured loan application information in the loan examination process and whether the mortgage loan is executed 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 virtual money secured loan pre-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 virtual currency transfer process. For the redemption condition virtual money transfer process, the first information terminal 400 can access the integrated network and perform the corresponding process.

The financial technology service apparatus 100 may receive a virtual money transfer completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal from the loan applicant to confirm that the virtual money transfer has been completed.

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 virtual money secured loan pre-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 virtual currency to be collateralized, the amount of the loan, the terms of the loan, and the collateral rating.

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 virtual money lending 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 availability evaluation and the possibility of lending to the virtual money lending application information acquired by the financial technical service apparatus 100 by the consultation support server 200 .

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 virtual currency 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 device 100 may perform the management and risk management process for the transferred virtual money 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 about the virtual money that is received 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, when the financial security service apparatus 100 does not deposit the security even after the security deposit message is transmitted and the security value continues to decrease, 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 illustrating a security-capable authentication process in a P2P virtual money lending financial technology service method according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 transmits security assurance request information for virtual money 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 collateral availability evaluation request information for the virtual money to the advisory support server 300 (S22)

The collateral availability evaluation request information is request information inquiring whether the virtual currency 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 virtual money 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 for the virtual money from the advisory support server 200 (S23). In another embodiment of the present invention, the assurance-enabling evaluation request information may be transmitted to the financial technology service apparatus 100 directly from the authentication financial institution server handling the virtual money without passing through the advisory support server 300. [

The financial technology service apparatus 100 determines whether it is possible to execute a mortgage loan against the virtual money from the mortgage-possible evaluation determination information on the virtual money (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 technology service apparatus 100 determines that collateral is not possible from the collateralizable evaluation determination information on the virtual currency (S24), the financial technical service apparatus 100 transmits the non-delivery guidance information to the first information terminal 400 (S26).

6 is a flowchart illustrating a loan demand forecasting investigation process in a P2P virtual money lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 may generate demand prediction request information by aggregating investment available funds to be invested in a virtual money secured loan using a demand forecast P2P platform according to a 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 virtual money received and stored from the first information terminal 400 by the financial technology service device 100 .

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

The evaluation result data for the virtual money collateral is generated by the advisory support server 200 receiving the virtual currency collateral evaluation request signal from the financial technical service device 100 and evaluating the virtual money collateral, (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 virtual money.

The risk management information is generated for the virtual currency requested by the advisory support server 200. [ Risk management information is generated by evaluating the value of the collateral for the virtual currency that has been commissioned 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 check information for examining whether or not there is an intention to participate in the investment for the corresponding virtual money secured 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 a mortgage loan application for predicting demand, evaluation result data on a virtual money collateral, information on mortgage value estimation results, probability of bankruptcy of a company, , 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 forecasting survey, the investor's job group participating in the demand forecasting survey, the company information participating in the demand forecasting survey, the preferred virtual currency 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 illustrating a pre-mortgage loan process in a P2P virtual money 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 receipt request information to the financial technology service apparatus 100 for the pre-mortgage loan process for virtual money (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 collateral reception for the virtual money. Accordingly, the first information terminal 400 can complete the acceptance of the collateral for the virtual currency 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 virtual currency transfer process. For the redemption condition virtual money transfer process, the first information terminal 400 can access the integrated network and perform the corresponding 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 redemption condition is that if the requested procedure such as the payment of the interest paid for the loan is not followed after the virtual money is loaned as collateral or if the value of the corresponding virtual money falls below the collateral price, And may include redemption conditions for the virtual currency to disperse 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). 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 goods receipt completion message for the virtual money. Accordingly, the first information terminal 400 can transmit the goods receipt completion information for the virtual money 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 screen information for receiving electronic wallet identification information and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the electronic wallet identification information and the receipt completion confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100, and transmits the receipt completion information to the financial technology service apparatus 100 As shown in Fig. The goods receipt completion transmitted 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. [ That is, the financial technology service apparatus 100 may receive the electronic wallet identification information and the receipt completion confirmation information from the archive support server 600. [

FIG. 8 is a view for explaining a cash-on-demand process in a P2P virtual money lending financial technology service method according to an 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 may include email, telephone number, SNS account information, preferred virtual currency 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.

9 is a diagram for explaining a loan due date notification process in the P2P virtual money lending financial technology service method 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 to the right transfer process for the virtual money collateral after the transfer process of the name of the virtual money collateral 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 rights acquisition process for the virtual money collateral is completed (S94). The financial technology service apparatus 100 completes the sale of the virtual money collateral.

FIG. 10 is a view for explaining a process of returning a security object in the P2P virtual money lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 10, the first information terminal 400 transmits a virtual money secured object return processing request to the financial technology service device 100 (S101). Accordingly, the financial technology service apparatus 100 transmits the electronic wallet shipment request information to the storage support server 600 (S102). Accordingly, the archive support server 600 performs a virtual money delivery process. The first information terminal 400 transmits the virtual currency collateral authentication confirmation information to the financial technology service device 100 (S103). To this end, the financial technology service apparatus 100 may provide menu screen information to the first information terminal 400 to allow the first information terminal 400 to transmit the virtual money collateral authentication confirmation information. Accordingly, the first information terminal 400 can transmit the virtual money collateral authentication confirmation information from the menu displayed on the screen information provided by the financial technology service apparatus 100. When the financial security service apparatus 100 receives the virtual money collateral authentication confirmation information from the first information terminal 400, the financial technical service apparatus 100 performs the virtual money collateral return completion processing (S104)

In the embodiment of the present invention, a P2P virtual money lending financial technology service method for storing a virtual currency and executing a loan to a lender by using the stored virtual money as collateral has been described 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, the description of the conventional procedures of virtual money lending, P2P lending, crowd funding, and processing of data and electronic signals for performing the procedures may be omitted. As a result, the P2P virtual money lending financing system of the present invention can be applied to a variety of financial institutions, It can be seen that a variety of technical service methods can be implemented.

In addition, in an embodiment of the present invention, the virtual money lending application information includes a purchasing company, a sales corporation, a loan desired amount, and a virtual money investment trustworthiness evaluation rating, 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 implemented by applying a virtual money investment reliability evaluation based on virtual money investment performance. In other words, the relative profit-based investment performance calculated based on the virtual money trading information of the evaluation target person such as the virtual money investor and the investment profit based on the relative profit calculated by associating the composite index, , It is possible to determine the financial transaction limit in the case of virtual money lending or investment attraction by calculating the evaluation grade for evaluating the reliability of the virtual money investment of the evaluation subject and perform the P2P secured lending financial technology service on the basis thereof.

For this purpose, the financial service apparatus according to an embodiment of the present invention calculates a credit rating based on the absolute profit and the relative profit of a professional investor who desires a loan in the loan limit calculation method for evaluating the trustworthiness of the virtual money investment based on the performance of the virtual money investment, 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, the meaning of virtual money investment reliability evaluation is implemented properly in the P2P virtual money lending financial technology service method and the additional loan of the professional investor 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 device proceeds with a demand forecast investigation of the virtual money provided as collateral through communication with the second information terminal based on the virtual money secured loan application information received from the first information terminal and the virtual money secured loan application 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;
The financial technical service apparatus receives the investment money from the second information terminal and executes the secured loan by using the virtual money as collateral to process data and electronic signals for transferring the loan to the account specified in the virtual money secured loan application information ; 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 data and electronic signals to perform the cashing of the P2P virtual money lending financial technology service.
The method of claim 1, wherein the performing the loan review comprises:
Generating demand prediction request information for aggregating investment available funds to be invested in the virtual money secured loan using the demand forecast P2P platform and transmitting the demand prediction 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, Virtual currency secured mortgage finance technology service method.
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 virtual money 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 when executing the cashing of the collateral.
3. The method of claim 2,
Wherein the demand forecast result information includes at least one of investor information, investment participation check result information, information on a result of checking the participation in a collateralized cash deposit, and investment fund information.
6. The method of claim 5,
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, and the purchase condition information.
7. The method according to any one of claims 1 to 6,
The virtual money lending application information includes a virtual money type, a virtual money amount, a loan desired amount, and a virtual money investment reliability evaluation rating,
The virtual money investment trustworthiness rating grade is calculated based on a first rating grade based on the absolute profit based on the profit rate of the lender applicant's virtual money trading information and a second rank based on the relative profit based on the first rating grade, And the second rating of the P2P virtual money lending financial technology service method.
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 goods in which the second information terminal is opened can be browsed so as to attract investment, and the investment product information is information on P2P virtual money secured loan financial technology service including investment decision information to which information asymmetry is applied Way.
9. The method of claim 8,
Wherein the investment decision information to which the asymmetry of the information is applied includes formal investment decision information and informative investment decision information.
A data storage unit for storing mortgage application information, investment product information, and investment application information including virtual currency information and loan condition information provided as collateral received from the first information terminal; And
The method comprising the steps of: conducting a demand forecast survey on virtual money provided as collateral through communication with the second information terminal based on the virtual money secured loan 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 virtual money as collateral and performing the cashing of the collateral executed with the mortgage loan, the second information terminal corresponding to the preferential 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 device proceeds with a demand forecast investigation of virtual money provided as collateral through communication with the second information terminal based on the virtual money secured 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, and transfers the virtual money as collateral Performing a process of processing data and electronic signals for transferring a loan to an account specified in the virtual money secured 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 secured loan through communication with the financial support server.
A data storage unit for storing mortgage application information, investment product information, and investment application information including virtual currency information and loan condition information provided as collateral received from the first information terminal; And
A demand prediction survey for virtual money provided as collateral through communication with the second information terminal is performed based on the secured loan application information received from the first information terminal, and the mortgage application information and the demand prediction survey result are used And a financial support server for receiving the investment fund based on the investment application information received from the second information terminal through communication with the financial support server, Executing a mortgage loan as collateral, processing data and electronic signals for transferring the loan to the account specified in the virtual money secured loan application information, and transmitting the interest payment based on the mortgage loan through the communication with the financial support server A financial technology service device comprising a processor for performing an investment payment process.
Performing a loan check for a virtual currency provided as a security 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, and transfers the virtual money as collateral Performing a process of processing data and electronic signals for transferring a loan to an account specified in the virtual money secured 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 secured loan through communication with the financial support server.
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