KR20170099044A - Method for peer to peer automobile secured loan financial technology service and apparatus thereof - Google Patents

Abstract

The present invention relates to a method of a financial technology service for a P2P automobile secured loan, the method comprising the following steps. A financial technology service apparatus proceeds a demand forecasting investigation of an automobile provided as collateral through communication with a second information terminal based on automobile secured loan application information received from a first information terminal, and conducts a loan audit using the automobile secured loan application information and a result of the demand forecasting investigation. The financial technology service apparatus receives investment money based on investment application information received from the second information terminal through communication with a financial support server, and performs processing of data and electronic signals for executing the secured loan with the automobile as the collateral. In case of carrying out cashing of the collateral executed with the secured loan, the financial technology service apparatus transmits information to participate in the cashing of the collateral, corresponding to preferred investor information secured through the demand forecasting investigation, to the second information terminal, and performs processing of data and electronic signals for carrying out the cashing of the collateral. An object of the present invention is to provide the method of a financial technology service for a P2P automobile secured loan and an apparatus thereof, which perform the demand forecasting investigation on the collateral which has not been officially priced, such as the automobile during the P2P secured loan, and after executing the P2P secured loan based on the data collected in the demand forecasting investigation, execute the cashing of the collateral based on the data collected in the demand forecasting investigation, when meeting the requirements for carrying out the chasing of the collateral.

Description

TECHNICAL FIELD [0001] The present invention relates to a P2P automobile secured loan financial financial service method and apparatus,

The present invention relates to a P2P (Peer to Peer) mortgage financing technology service method and apparatus, and more particularly, to a P2P mortgage finance technology service method and apparatus, , A P2P mortgage loan financial technology service that realizes the collateralization of collateral based on the data collected from the demand forecasting survey if it meets the collateralized loan execution requirement after executing the P2P secured loan based on the data collected from the demand forecast survey 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, in the case of a loan to be secured as a collateral, such as a used car, a used car dealer or a lending institution will adhere to a conservative method of estimating the value of a car very low. As a result, if the borrower has to borrow a car he owns as collateral, the price is low and the actual loan amount is very small.

Therefore, in the case of P2P mortgage loans, if a car that is not officially priced, such as an automobile, is collateralized, a reasonable value should be calculated, and a new plan to accelerate the realization of the collateral if the collateralization of the collateral is necessary Is requested.

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

The problem to be solved by the present invention is to provide a P2P mortgage loan based on the data collected from the demand forecasting survey, The present invention provides a P2P automobile loan finance financial technology service method and apparatus for realizing collateralization based on data collected in a demand forecasting investigation when the realization requirement of cashing is satisfied.

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

In the P2P automobile secured lending financial technology service method according to one aspect of the present invention, the financial technical service device transmits, to the automobile provided as collateral through communication with the second information terminal, based on the automobile secured loan application information received from the first information terminal The demand forecasting survey can be carried out, and the loan examination can be carried out using the information on the application of the mortgage loan application and the result of demand forecasting investigation. Next, the financial technical service apparatus opens 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 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 another aspect of the present invention, there is provided a financial technical service apparatus for providing a P2P automobile secured loan financial technology service, comprising: mortgage application information including automobile information and loan condition information provided as collateral received from the first information terminal; A data storage for storing investment application information, and a processor. Here, the processor may conduct a demand forecast investigation on the automobile provided as collateral through communication with the second information terminal based on the automobile secured loan application information received from the first information terminal. The processor can perform a lending review using the mortgage application information and demand forecasting findings. The processor establishes an investment product, performs investment inducement, deposits the investment based on the investment application information received from the second information terminal through communication with the financial support server, and carries out the mortgage loan with the automobile as collateral have. 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 automobile loan financial technology service method, a financial technical service device transmits a car loan to a car provided as collateral through communication with a second information terminal based on automobile loan application information received from a first information terminal The demand forecasting survey can be conducted, and the loan review can be performed using the mortgage application information and the demand forecasting result. The financial technology service device opens an investment product, performs investment attraction, communicates with the financial support server, deposits the investment based on the investment application information received from the second information terminal, and carries the secured loan And can process data and electronic signals for transferring the loan to the account designated in the mortgage application information. The financial technology service device can carry out the interest payment and investment payment process through communication with the financial support server.

According to another aspect of the present invention, there is provided a financial technical service apparatus for providing a P2P automobile secured loan financial technology service, comprising: mortgage application information including automobile information and loan condition information provided as collateral received from the first information terminal; A data storage for storing investment application information, and a processor. Here, the processor performs the demand forecast investigation of the automobile provided as the collateral through communication with the second information terminal based on the mortgage loan application information received from the first information terminal, and obtains the mortgage loan application information and the demand forecast result And the loan review can be carried out using the loan. The processor establishes an investment product, performs investment inducement, deposits the investment based on the investment application information received from the second information terminal through communication with the financial support server, executes the secured loan with the automobile as collateral It is possible to perform processing of data and electronic signals for transferring the loan to the account specified in the automobile mortgage 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, a financial technology service apparatus can perform a loan examination for a car provided as a collateral based on automobile loan application information received from a first information terminal. Next, the financial technical service device opens the investment product, performs the investment attraction, and receives the investment fund based on the investment application information received from the second information terminal through the communication with the financial support server, It is possible to perform processing of data and electronic signals for executing the loan. In the case where the collateralized mortgage is executed, the financial technical service device transmits information to the second information terminal corresponding to the preferred investor information secured through the demand forecasting to participate in the realization of the collateral, The processing of the data and the electronic signal for performing the cashing of the electronic signal.

According to the present invention, a demand forecast survey is conducted on collateral that has not been officially priced, such as automobiles for a P2P mortgage loan, and a P2P mortgage loan is executed based on the data collected in the demand forecast survey. It is possible to carry out the realization of the collateral based on the data collected from the demand forecasting survey.

According to the present invention, when a car that is not officially priced, such as an automobile, is used as a collateral in a P2P secured lending process, it is possible to calculate a reasonable value thereof, and if the collateralization of the collateral is necessary, have.

According to the present invention, by appropriately interlocking car loan, P2P (peer-to-peer) loan and crowdfunding through Internet-based technology, the loan applicant can reasonably borrow a car he owns 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 a car which is not easily recognized as a value to be collateralized.

According to the present invention, automobiles can be secured as individual collateral for securing stability for investors.

According to the present invention, it is possible to obtain higher securitization compared to existing financial institutions by receiving a proper reference price of the collateral by the specialized investment advisory group of the automobile.

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

According to the present invention, it is possible to secure investment by securing a collateral of a car 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, automobile investment and mortgage can be made using the P2P platform by linking automobile investors (loan applicants) and individual lenders (investors) by linking automobile and investment to PinTech in the era of P2P lending.

1 is a view for explaining the concept of a P2P mortgage finance technology service according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining a P2P automobile secured loan financial technology service system according to an embodiment of the present invention.
3 is a diagram for explaining a financial technology service apparatus in a P2P automobile secured lending financial technology service system according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a P2P automobile secured loan financial technology service method according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a collateral availability authentication process in a P2P automobile secured lending financial technology service method according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P automobile secured loan 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 mortgage financing technology service method according to an embodiment of the present invention.
FIG. 8 is a view for explaining a collateralized cash flow process in a P2P automobile secured lending financial technology service method according to an embodiment of the present invention.
FIG. 9 is a diagram for explaining a loan due date notification process in a P2P automobile secured loan financial technology service method according to an embodiment of the present invention.
FIG. 10 is a view for explaining a process of returning a collateral item in a P2P automobile secured 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 the concept of a P2P mortgage finance technology service according to an embodiment of the present invention.

Referring to FIG. 1, a P2P automobile secured loan financial technology 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 manner by P2P loan method to provide P2P mortgage Perform financial 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 automobiles, a P2P-based financial technology service company (1) conducts a demand forecast survey on the investor (5) and evaluates the value of the collateral So that it is possible to determine whether or not the loan can be made.

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

Additional P2P mortgage finance technology services due to the increase in the value of the secured assets of the P2P-based financial technology service company (1) can be accomplished by keeping the automobile and loaning the loan applicant with the secured car 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, a P2P-based financial technology service company (1) receives an application for a loan from a loan applicant (4) as a collateral. Here, the car provided as collateral may be the car owned by the applicant (4), or may be the car owned by the third party.

 The P2P-based financial technology service company (1) can refer the collateral evaluation to the investment adviser (2) for the automobile provided by the loan applicant (4) as collateral. The investment adviser (2) can estimate the collateral value of the requested car and provide it to the P2P-based financial technology service company (1).

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

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

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

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

FIG. 2 is a diagram for explaining a P2P automobile secured loan 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 comprises a processor for storing various data necessary for proceeding a process of storing a car and carrying out a loan with the stored car as collateral, and a processor for processing and communicating electronic signals .

In addition, the financial technology service apparatus 100 includes an investment adviser 2 for performing a valuation of a collateral value for an automobile, a partner financial institution 3 for performing a interest and principal repayment procedure, And a processor for performing processing and communication of various data and electronic signals required to perform cooperation work with the mobile terminal.

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

In addition, the financial technology service apparatus 100 connects a loan applicant 4 who desires to borrow his or her own car as a collateral, and an investor 5 who wants to invest the cash assets possessed by the crowdfunding method using a P2P loan method And a processor for processing and communicating various data and electronic signals required for performing the P2P secured lending 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 various values of the collateral value for the evaluation-commissioned automobile, for example, the automobile collateral, performed by the investment adviser 2 and provides various data for providing to the P2P-based financial technology service company 1, And various processors for performing communication and processing of the data.

The advisory support server 200 can be used for various types of automobiles, for example, automobiles with negative net profits, quantitative and qualitative values based on various data obtained through sales growth trends or direct company visits Can be measured to generate quantitative and qualitative value measurement data.

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

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 diagram for explaining a financial technology service apparatus in a P2P automobile secured 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 automobile 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 vehicle provided as collateral. For this, the processor 120 generates the collateral evaluation request information based on the secured loan application information input from the first information terminal 400.

Here, the car provided as collateral may be the car owned by the applicant (4), or may be the car owned by the third party. The present invention is not limited thereto, and automobiles with various conditions that can be traded in the automobile market may be provided as collateral.

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

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

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

The advisory support server 200 receives an automobile collateral evaluation request signal from the financial technical service device 100, performs evaluation on the automobile collateral, and returns evaluation result data to the financial technology service device 100.

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

The advisory support server 200 executes various scenario access processes for the automobile to generate the probability of failure information of the automobile manufacturer.

The advisory support server 200 may generate the risk management information for the requested vehicle. The risk management information is generated by evaluating the value of the collateral against the car 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 communicates with the first information terminal 400 and the financial technology service device 100 to perform a collateral acceptance request and a goods receipt process for the automobile.

The storage support server (600) can transmit the goods receipt completion information to the financial technology service apparatus (100) when the automobile is completed in the warehouse. The goods receipt completion information may include identification information of the warehouse, an image of the goods receipt, and receipt 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 storage support server 600 periodically checks the storage status of the vehicle received in the car storage room and can provide the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 have.

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

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

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

The mortgage evaluation rating may include the automobile investment trustworthiness rating of the loan applicant that is calculated and given by the mortgage evaluation process of the financial technology service device 100. [ The automobile investment credibility rating is based on an absolute profit-based first appraisal rating that reflects the rate of return of the applicant's automobile sales information and a second appraisal appraisal rating based on the relative profit based second appraisal rating And may include a third evaluation grade calculated based on the evaluation ratings.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and provides screen information for receiving the 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, member information input screen, loan issue selection screen, and loan condition input screen for inputting automobile mortgage 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 automobile secured loan application information received from the first information terminal 400 (S20).

The financial technology service apparatus 100 may request the advisory support server 200 for the possibility evaluation and loan possibility of the mortgage application information.

The financial technology service apparatus 100 can receive the collateral availability evaluation determination information for the collateral described in the automobile collateral lending application information from the advisory support server 200 to determine whether collateral lending is possible or not. If it is determined that the secured lending is possible, the lendable guidance information is transmitted to the first information terminal 400. If it is determined that the secured lending is not possible, the non-lending guidance information may be transmitted to the first information terminal 400 .

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

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

In other words, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand forecast P2P platform to predict loan demand for the investors in cooperation with the second information terminal 500. [ According to the result of the loan demand prediction, the lender guidance information or the non-lender guidance information can be transmitted to the first information terminal 400. [

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

To this end, the financial technology service apparatus 100 may generate demand prediction request information for counting the available funds to be invested in the mortgage 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 choose 20 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 can be evaluated based on the possibility of mortgage evaluation and loan obtained in connection with the advisory support server 200 with respect to the mortgage application information in the loan review process, You can finally decide.

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 the automobile secured loan preliminary process through the communication of the first information terminal 400 (S40).

For this, the first information terminal 400 may access the integrated car transaction network and perform the redemption condition car transfer process. The first information terminal 400 may access the integrated car transaction network and perform the corresponding process for the redemption condition car transfer process.

The financial technology service apparatus 100 can receive the vehicle transfer completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal for confirming that the automobile has been transferred from the applicant for loan.

The financial technology service apparatus 100 opens an investment product based on the secured loan application information received from the first information terminal 400 when the automobile secured loan pre-process is completed, and transmits the investment goods to the second information terminal 500) can be browsed so that the investor can apply for the investment and receive the investment money (S50).

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 vehicle 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 based on the automobile loan application information received from the first information terminal 400 by the financial technology service apparatus 100, Information. For example, the standardized investment decision information includes a numerical index that is formalized with respect to the possibility of collateral availability evaluation and the possibility of lending to the automobile secured loan application information acquired by the financial technology service apparatus 100 by asking the advisory support server 200 can do.

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 information about the types of investors participating in the demand forecasting survey, the positions of the investors participating in the demand forecasting survey, information on the companies participating in the demand forecasting survey, preferred car information, contact information, and investment propensity information. The contact information may optionally include email, telephone number, and SNS account information. The investment propensity information may optionally include target profit rate information and preferred investment period information.

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

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

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

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

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

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

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

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

If the financial technical service apparatus 100 requests the cancellation of the mortgage loan proceeding from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investment application information It is possible to carry out the process of refunding the investment account and the platform fee refund process to the investor's account (S60). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

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

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

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

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

In addition, the financial technology service apparatus 100 may perform the management and risk management process for the transferred automobile 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 automobile replaced or transferred from the archive support server 600.

In addition, the financial technology service apparatus 100 may periodically or irregularly perform a security value evaluation for the collateral, and may transmit a security deposit additional deposit message to the first information terminal 300 when the collateral value falls. In addition, if the security value service device 100 continues to receive a collateral value even after the collateral addition deposit message is transmitted, the collateral value of the collateral value is decreased, . The process of cashing the collateral in this way is called the collateralization process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

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

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

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

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

FIG. 5 is a flowchart for explaining a collateral availability authentication process in a P2P automobile secured lending financial technology service method according to an embodiment of the present invention.

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

The financial technology service apparatus 100 transmits the assurance availability request information to the consultation support server 300 (S22)

The collateralizable evaluation request information is request information inquiring whether the automobile 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 collateral availability evaluation request information may be transmitted directly to the authentication financial institution server handling the corresponding car without passing through the consultation 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 automobile from the advisory support server 200 (S23). In another embodiment of the present invention, the collateral possibility evaluation request information may be transmitted to the financial technology service apparatus 100 directly from the car transaction certificate authority server handling the car without passing through the advisory support server 300. [

The financial technology service apparatus 100 determines whether it is possible to secure a mortgage for the automobile from the assurance-enabling evaluation information for the automobile (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 it is determined that the security can not be secured from the assurance-possible evaluation decision information for the automobile (S24), the financial technology service device 100 transmits the non-provisioning guidance information to the first information terminal 400 (S26).

FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P automobile secured loan 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 an automobile 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 application information for applying for a loan with the automobile received and stored from the first information terminal 400 as a security.

In addition, the investment allowable amount count check information includes evaluation result data on the collateral of the automobile received from the advisory support server 200, information on the collateral value estimation result, bankruptcy probability information of the automobile production company, May be generated based on information.

The evaluation result data on the automobile collateral is generated by the advisory support server 200 receiving the automobile collateral evaluation request signal from the financial technical service device 100, evaluating the automobile collateral, . ≪ / 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 corporation bankruptcy probability information is generated by the advisory support server 200 by executing various scenario access processes for the automobile.

The risk management information is generated for the car requested by the advisory support server 200. The risk management information is generated by evaluating the value of the collateral against the car 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).

Demand forecasting information may include information on investment participation decision-making to see if there is an intention to participate in the investment for the mortgage. 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 such as mortgage application information for estimating demand, evaluation result data on automobile collateral, mortgage value estimation result, and the probability of bankruptcy of an automobile manufacturing enterprise so that the investor (5) Information, risk management information, or offer amount information.

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

The demand forecast result information may include investor information, information on the results of the investment participation check, information on the results of the check on participating in the realization of the collateralization, and investment fund information. Here, the investor information may include the type of investor participating in the demand forecast survey, the investor's job group participating in the demand forecast survey, the company information participating in the demand forecast survey, the preferred car 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 mortgage financing technology service method according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits the collateral acceptance request information to the financial technology service apparatus 100 for a mortgage advance process for the automobile (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 car to accept the collateral. Accordingly, the first information terminal 400 can complete the acceptance of the collateral for the automobile 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 car transaction network and perform the redemption condition car transfer process. The first information terminal 400 may access the integrated car transaction network and perform the corresponding process for the redemption condition car transfer process.

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

The first information terminal 400 transmits a collateral receipt completion message to the financial technology service device 100 (S63). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit a goods receipt completion message to the automobile. Accordingly, the first information terminal 400 can transmit the goods receipt completion information to the vehicle from the menu displayed on the screen information provided by the financial technology service apparatus 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include screen information for inputting the identification information of the car vault, the receipt authentication photograph, and the receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the identification information of the warehouse, the image of the goods receipt certification, and the receipt of goods receipt completion information from the menu displayed on the screen information provided by the financial technology service apparatus 100, And transmits it to the service apparatus 100. The goods receipt completion information 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. [ In other words, the financial technology service apparatus 100 may receive the identification information of the warehouse, the image of the goods receipt authentication, and the receipt of receipt completion information from the archive support server 600.

FIG. 8 is a view for explaining a collateralized cash flow process in a P2P automobile secured 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 car information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information. Accordingly, the financial technology service device 100 can transmit information to the second information terminal 500, which can participate in the realization of the collateral, on the basis of the contact information of the preferred investors based on the checking result of the collateralized participation in the collateral. Participating in the encashment of the collateral here means buying the collateral.

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

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

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

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

FIG. 9 is a diagram for explaining a loan due date notification process in a P2P automobile secured loan 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 acquiring process for the vehicle collateral after the name transfer process for the car 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 car collateral is completed (S94). Through this, the financial technology service apparatus 100 completes the sale of the automobile collateral.

FIG. 10 is a view for explaining a process of returning a collateral item in a P2P automobile secured lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 10, the first information terminal 400 transmits a request for returning an automobile secured object to the financial technology service device 100 (S101). Accordingly, the financial technology service device 100 transmits the collateral release request information to the archive support server 600 (S102). Accordingly, the archive support server 600 performs the corresponding collateral delivery process. The first information terminal 400 transmits automobile collateral authentication confirmation information to the financial technology service device 100 (S103). 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 automobile collateral authentication confirmation information. Accordingly, the first information terminal 400 can transmit the automobile collateral authentication confirmation information from the menu displayed on the screen information provided by the financial technology service device 100. When the financial technical service apparatus 100 receives the automobile collateral authentication confirmation information from the first information terminal 400, the financial technical service apparatus 100 performs the automobile collateral return completion processing (S104)

In the embodiment of the present invention, a P2P automobile secured loan financial technology service method in which a car is stored and a stored automobile is secured as a security for a loan applicant 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 the embodiment of the present invention, the description of the conventional procedures of automobile secured loan, P2P loan, crowd funding, and the processing of data and electronic signals for performing the procedures may be omitted. As such, if the knowledge of the field is possessed, it can be variously selected and implemented by a variety of conventional procedures, data and electronic signal processing, so that even if it is not specifically described, the P2P automobile secured loan finance technology It can be seen that a variety of service methods can be implemented.

In an embodiment of the present invention, the automobile mortgage application information includes a purchasing company, a selling company, a desired amount of a loan, and an automobile investment reliability evaluation rating. The automobile investment reliability evaluation rating includes a rate of return And a second evaluation class based on the relative profit which is calculated by linking the first evaluation class to the first evaluation class and the change rate of the market information to the first evaluation class .

Accordingly, in another embodiment of the present invention, a P2P mortgage finance technology service method can be performed by applying an automobile investment reliability evaluation based on the investment performance of the automobile. In other words, consideration is given to the investment performance based on the absolute profit, which is calculated based on the automobile sales information of the evaluator, such as the automobile specialist investor, and the investment performance based on the relative profit, which is calculated based on the composite index, , It is possible to determine the financial transaction limit at the time of mortgage loan or investment attraction by calculating the evaluation grade for evaluating the reliability of the automobile investment of the evaluator, and to perform the P2P secured loan finance financial service based on the determination.

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

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

However, if the investment performance based on the absolute profit is reflected and the investment performance based on the relative profit is reflected, the meaning of evaluation of automobile investment reliability is properly implemented in the P2P automobile secured loan financial technology service method, and the additional loan amount of the professional investor 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 carries out a demand forecast investigation of the automobile provided as collateral through communication with the second information terminal based on the automobile secured loan application information received from the first information terminal, Performing a loan review using the predicted survey result;
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 automobile as the collateral to process the data and the electronic signal for transferring the loan to the account specified in the automobile 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 the data and the electronic signal to carry out the cashing of the P2P automobile secured loan financial technology service method.
The method of claim 1, wherein the performing the loan review comprises:
Generating demand forecast request information for aggregating investment available funds to be invested in an automobile secured loan using a demand forecast P2P platform and transmitting the demand forecast request information to the second information terminal;
Receiving demand prediction result information from the second information terminal; And
And transmitting the lendable guidance information to the first information terminal if the amount of money to be collected is satisfied according to the demand forecast result information and transmitting the lendable guidance information to the first information terminal if the amount of money to be collected is not satisfied, Automobile Mortgage Loan Financial 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 mortgage loan.
3. The method of claim 2,
Wherein the demand forecasting request information includes security check participation participation information for checking whether the participant is willing to participate in the purchase of the collateral at the time of 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, collateralized mortgage check result information, and investment fund information.
6. The method of claim 5,
The result of the checklist of participating in the collateralization check is the information indicating whether the collateral is willing to buy the collateral at the time the collateral is executed, the information indicating whether the collateral will be preferentially notified when the collateral is executed, The price information of the collateral, and the purchase condition information.
7. The method according to any one of claims 1 to 6,
The automobile loan application information includes the type of the automobile, the quantity of the automobile, the desired amount of the loan, and the automobile investment reliability evaluation rating,
The automobile investment trustworthiness evaluation rating is calculated based on the first evaluation grade based on the absolute profit based on the profit rate of the applicant for the automobile transaction information and the second evaluation grade based on the relative profit based on the first evaluation grade, 2 A method of financial technology service for P2P mortgage loans, which is the evaluation rating calculated by combining evaluation ratings.
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 for attracting investment, and the investment product information includes investment decision information to which information asymmetry is applied, .
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 informal investment decision information.
A data storage unit for storing mortgage application information, investment product information, and investment application information including automobile 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 investigation of a vehicle provided as collateral through communication with the second information terminal based on the automobile secured loan application information received from the first information terminal; , The investment is made on the basis of the investment application information received from the second information terminal through communication with the financial support server, In the case where the mortgage is executed as the collateral and the realization of the collateral on which the mortgage is executed is performed, information that can participate in the realization of the collateral in the second information terminal corresponding to the preferred investor information secured through the demand forecast investigation A processor for performing processing of data and electronic signals for transferring and carrying out cashing of the collateral, A financial technical service device.
The financial technical service apparatus proceeds with a demand forecast investigation of the automobile provided as collateral through communication with the second information terminal based on the automobile secured loan application information received from the first information terminal, Performing a loan review using the survey result;
The financial technical service apparatus establishes an investment product based on the investment application information received from the second information terminal through communication with the financial support server, performs investment inducement, deposits the investment money, Performing a mortgage loan and performing processing of data and electronic signals for transferring a loan to an account specified in the mortgage application information; And
Wherein the financial technical service device performs a payment process of interest payment and investment payment based on the mortgage loan through communication with a financial support server.
A data storage unit for storing mortgage application information, investment product information, and investment application information including automobile information and loan condition information provided as collateral received from the first information terminal; And
The method of claim 1, further comprising the steps of: conducting a demand forecast investigation of a vehicle provided as a collateral through communication with the second information terminal based on the secured loan application information received from the first information terminal; The method comprising the steps of: performing loan examination, opening an investment product, conducting investment inducement, depositing investment based on investment application information received from the second information terminal through communication with a financial support server, And executes processing of data and electronic signals for transferring the loan to the account designated in the automobile-secured loan application information by executing the mortgage loan, and transmits the interest payment based on the mortgage loan and the payment of the investment profit A financial technology service device comprising a processor for performing a process.
Performing a loan examination for a vehicle provided as a collateral based on the mortgage application information received from the first information terminal;
The financial technical service apparatus establishes an investment product based on the investment application information received from the second information terminal through communication with the financial support server, performs investment inducement, deposits the investment money, Performing a mortgage loan and performing processing of data and electronic signals for transferring a loan to an account specified in the mortgage application information; And
Wherein the financial technical service device performs a payment process of interest payment and investment payment based on the mortgage loan through communication with a financial support server.

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