KR101695872B1

KR101695872B1 - Crowd funding and auction services system using movable assets as security for the loan

Info

Publication number: KR101695872B1
Application number: KR1020150125654A
Authority: KR
Inventors: 장보영
Original assignee: 장보영
Priority date: 2015-09-04
Filing date: 2015-09-04
Publication date: 2017-01-13

Abstract

Provided are a crowd funding and auction service system using loan bonds. According to an embodiment of the present invention, the system includes: a collecting part collecting big data about security information included in financing request information if the financing request information is received in accordance with a request from a first client; a chattel evaluating part generating evaluation information of a security, matched with the security information, by analyzing the big data; a chattel management part providing a user interface searching for or inquiring into the evaluation information; and an investment management part generating funding information and loan bond information based on the evaluation information, and posting the funding information on a funding web page. The user interface includes: a category selection window selecting a category of the security; an inquiry button corresponding to the category selection window; a keyword input window inputting a keyword of the security; and at least one inquiry button corresponding to the keyword input window. A plurality of sub-windows is arranged side by side in the category selection window in a first direction in order to select upper and lower categories of the security. The user interface displays an evaluation result about the security by item.

Description

[0001] Crowd funding and auction service systems using loan receivables [

A crowd funding and auction service system using loan receivables is disclosed.

Recently, crowd funding, which is an investment method to collect funds from a large number of investors using media such as social media and internet, is spreading. Crowdfunding is also called social funding because it promotes investment attraction by actively utilizing social network services. Earlier, crowdfunding was a way for non-funded arts and social activists to open their own creative projects and social public projects online and receive funding from a large number of anonymous people.

This kind of crowdfunding is used not only for creative projects such as movies but also for social public projects, as well as for financing companies. As a result, there is a growing demand for professional and reliable crowdfunding brokerage services that depart from the financial services that have been provided by direct person-to-person transactions.

On the other hand, with the improvement plan for the mortgage lending system, it is becoming easier for self-employed and small and medium-sized enterprises to finance the loan.

Among conventional crowdfunding systems, there is a loan-type crowdfunding system, but there is a problem in that legal support for crowdfunding is weak, so that the fund recovery rate is too low and the investor's financial loss is virtually defenseless.

In addition, if the funder wishes to raise funds through crowdfunding, he / she should be actively engaged in public relations activities, but there is a problem of additional expenses. In crowd funding services for intangible assets, investors invest in uncertain ideas Often there was a problem that the investment was not recovered properly.

Korean Patent Publication No. 10-2014-0096676

A problem to be solved by the present invention is to provide a method and apparatus for issuing a credit loan with a movable property as collateral, collecting investors through a crowdfunding method using the same, and providing a reliable crowdfunding service between both a money buyer and an investor, Funding and auction service system.

Another problem to be solved by the present invention is to provide a crowd funding and auction service system using a loan receivable in which the purchased loan receivable can be sold from another server.

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

In order to solve the above-described problems, the crowd funding and the auction service system using the loan claim according to an embodiment of the present invention, in response to a request from the first client, When the procurement request information is received, collecting unit for collecting big data; Analyzing the big data and generating evaluation information corresponding to the security information included in the funding request information; And an investment management unit for generating loan information and funding information based on the evaluation information, and posting the funding information on a funding web page.

The big data includes at least one of a normal price, a new price, a purchase price, a desired sale price, a business purchase price, a sale price, a direct deal, a bid price, and a contract price of the movable property collateral.

The moving object evaluation unit analyzes the big data to acquire at least one of a price and a used price of the collateral corresponding to the collateral information.

The big data is collected from at least one of a fund server interlocked with the funding web page, the used-trade server interlocked with the fund server, a social network service server, and a portal service server.

The investment management unit determines an investor of the funding information as a competitive bidding method among a plurality of desired investors wishing to invest in the funding information.

Wherein the investment management unit receives a plurality of investment request information each including desired investment amount information and desired interest rate information from a plurality of second clients respectively corresponding to the plurality of desired investors, The investment amount information included in the plurality of investment request information is summed in the sorting order and when the sum amount reaches the funding amount, 2 clients as the investors of the funding information.

The sorting criterion includes at least one of the desired investment amount information, the desired interest rate information, and the investment request time.

The investment management unit transmits deletion request information requesting deletion of the used goods information to the used-trade server from the used-trade web page.

The system according to claim 1, further comprising a reimbursement management unit for managing the loan reimbursement information of the first client, wherein the reimbursement management unit, when the first client delays at least one of the principal of the client terminal, Information is transmitted to the auction server so that the auction web page linked to the auction server is allowed to post the sale information, and the funding information and the security information are deleted from the funding web page.

When the auction server receives bidding information from the second client and the third client with respect to the sale information posted on the auction web page, the auction server gives the second bidding right to the second client determined as the investor of the funding information.

Since the mortgage contract is concluded with the mortgage of the consumer of the fund as collateral and the funding amount of the loan is determined, the borrower can arrange funds with collateral of his or her own various movable assets.

If the investor can not repay the loan or the loan, the loan can be recovered by buying and selling the collateral which is being held, so that the investor can make safe and reliable investment activities.

1 is a diagram illustrating a crowd funding and auction service system using a loan according to an embodiment of the present invention.
FIG. 2 is a diagram showing a configuration of the fund server shown in FIG. 1. FIG.
3 is a diagram illustrating a crowdfunding and auction service system using a loan according to another embodiment of the present invention.
4 is a diagram showing the configuration of the fund server shown in FIG.
5 to 7 illustrate user interfaces according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In this specification, singular forms include plural forms unless otherwise specified in the opening paragraph. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In the drawings, like reference numerals designate like elements.

1 is a diagram illustrating a crowd funding and auction service system using a loan according to an embodiment of the present invention.

1, a crowdfunding and auction service system using a loan claim according to an embodiment includes a plurality of users 11, 12, 13 and 14 (hereinafter, referred to as '10' (Hereinafter, referred to as '100'), a fund server, and an auction server.

The user 10 may be a subject that exchanges data with at least one of the fund server 200 and the auction server 500 using the client 100. [ Hereinafter, the user 10 may be interpreted in the same sense as the client 100.

The client 100 may communicate with at least one of the other client 100, the fund server 200 and the auction server 500. The client 100 may include a wired or wireless communication device. Communication devices include cellular phones, PCS phones, mobile terminals of synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000), Palm Personal Computers, personal For example, a personal digital assistant (PDA), a smart phone, a wireless application protocol phone (WAP phone), and a mobile play-station. However, the communication apparatus is not limited to the illustrated ones, and any apparatus including a communication unit and a display unit for connecting to the fund server 200 can be regarded as being included in the communication apparatus.

The fund server 200 may allow one or more clients 100 to access the network. As an example, the network may be wired or wireless Internet. As another example, the network may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet. As another example, the network may be a service that exists in the TCP / IP protocol and its upper layers: Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS) Protocol), etc., to the Internet.

The fund server 200 receives funding request information from the first client 110 of the first user 11. Here, the first user 11 refers to the money consumer. The financing request information may include collateral information.

The collateral information is information about the collateral. Collateral may mean movables defined by civil law. A property refers to a property that does not change its form, property, property that can be transferred, property other than land or buildings attached to it. Examples of movable objects include automobiles, watches, equipment machines, equipment, artwork, accessories, and the like. However, it is not limited to the exemplified objects, and membership and patent rights can also be regarded as movable objects.

The collateral information includes at least one of the type of personal property, image or image of the property, purchase date or acquisition date, hope price, storage period, quality, location of property, reasons for application, plan for repayment of funds, can do. The information as illustrated may be in text format or in image format. For example, an image of the exterior of the collateral can be viewed as being included in the collateral information.

When the funding request information including the collateral information is received from the first client 110, the fund server 200 evaluates the collateral information included in the financing request information to generate evaluation information on the collateral. The evaluation information may include, for example, an evaluation amount.

According to one embodiment, the evaluation of the collateral can be made online. Specifically, the collateral information may include an image or a document photographing the appearance of the collateral, and the fund server 200 may evaluate the collateral based on such data.

According to another embodiment, the evaluation of the collateral can be done off-line. Specifically, the fund server 200 searches for the emotion experts related to the collateral, and instructs the retrieved emotion experts to visit the place of the collateral. Thereafter, the emotion expert can visit the place of the collateral, check the collateral with the naked eye, evaluate it, and then generate the evaluation information. Here, the location of the collateral may refer to any place known to the first user 11, or may refer to a place where the fund server 200 operates in off-line.

When the evaluation information on the collateral is generated, the fund server 200 generates loan receipt information by concluding a loan contract with the first user 11 based on the evaluation information. When the lending contract is concluded, the fund server 200 obtains the collateral from the first user 11 and stores it in the lender place during the loan contract period.

Thereafter, the fund server 200 generates funding information based on the evaluation information. The funding information may include, for example, a funding amount. The funding amount can be determined based on the evaluation amount and the fund setting ratio. For example, if the appraisal amount is 10 million Yuan and the fund setting ratio is set at 70%, the funding amount can be determined as 7 million Yuan. According to one embodiment, the fund setting ratio may be preset by the manager (not shown) of the fund server 200. [ According to another embodiment, the fund set rate may be set via the first client 110. [ The funding information generated in the above-described manner and the corresponding collateral information may be posted on a funding web page linked to the fund server 200.

The second user 12, which is a potential investor, can access the funding web page by using the second client 120. The second user 12 can access the funding web page from among the plurality of the collateral information and the funding information posted on the funding web page, Information can be retrieved and retrieved. The second user 12 transmits the investment request information to the fund server 200 using the second client 120. In this case, The investment request information may include desired investment amount information and desired interest rate information. The desired investment amount information may be set to be equal to or less than the funded amount. The desired interest rate information can be set within a predetermined base rate.

The fund server 200 may receive investment request information from the plurality of second clients 120. [ In this case, the fund server 200 arranges each investment request information according to a predetermined sorting criterion. The sorting criterion may be, for example, the time at which the desired investment amount, the desired interest rate, and the investment request information are transmitted (hereinafter referred to as 'investment requested time'). According to the embodiment, the fund server 200 arranges a plurality of investment request information in order of the desired investment amount. If the desired investment amounts are the same, the plurality of investment request information are arranged in order of the lowest interest interest rate. If the desired interest rates are the same, the plurality of investment request information are arranged in order of the investment request time.

Thereafter, the fund server 200 sums the desired investment amounts included in the plurality of ordered investment request information in the sort order. When the sum reaches the funding amount, the investor determines the second user 12 that has transmitted the investment request information referenced in the summation process. Through the above-described method, the fund server 200 induces a reverse auction method, that is, a competitive bidding method, to the investors. As a result, the fund server 200 can provide a low interest rate variable interest rate to the fund purchaser or can provide the fund client with the funding amount quickly.

When the investor is determined among the plurality of second users 12 in this manner, the fund server 200 transmits the bond information to the second client 120 and transmits the debt information to the first client 110. [ Specifically, the fund server 200 may request the second clients 120 to deposit the requested investment amount included in the investment request information. When the desired amount of investment is deposited by the second clients 120, the fund server 200 provides the funding amount to the first client 110.

On the other hand, when the first user 11 fails to pay interest on the interest payment date specified in the debt information or fails to repay the loan within the repayment period specified in the debt information, the fund server 200 transmits Deletes the collateral information and the evaluation information, and transmits the collateral information and the evaluation information to the auction server 500.

The auction server 500 generates trading information based on the collateral information and the evaluation information received from the fund server 200 and posts the trading information on the auction web page linked to the auction server 500. The second user 12, the third user 13 and the fourth user 14 except for the first user 11 are connected to the second client 120, the third client 130, 4 client 140 to access the auction web page and retrieve and inquire the desired sale information from among a plurality of the sale information posted on the auction web page.

The second user 12, the third user 13, and the fourth user 14 are connected to the third client 130, respectively, when it is desired to bid on predetermined trading information among the trading information posted on the auction web page, And the fourth client 140 to the auction server 500. [0050] The bid information may include bid amount information (i.e., bid). When the auction server 500 receives bidding information from the second user 12, the third user 13 and the fourth user 14, the auction server 500 grants the second user 12 the right to request a purchase price . That is, the auction server 500 allows the second user 12 to preferentially purchase the sale item before the sale corresponding to the sale information is sold to the third user 13 or the fourth user 14 . If there are a plurality of the second users 12, each of the plurality of second users 12 may be given priority. Also, the priority order can be determined among a plurality of second users 12 having the right of first purchase. The priority may be determined, for example, to correspond to the sorting order or sorting order determined in the fund server 200 in advance.

If a user of the second user 12, the third user 13 and the fourth user 14 buys the collateral to be auctioned, the auction server 500 generates approval information and transmits it to the fund server 200).

The fund server 200 can process the payment of the loan money to the first user 11 based on the settlement information received from the auction server 500. [ If the sale amount sold through the auction server 500 is larger than the loan amount of the first user 11, the fund server 200 transmits the amount of money to the first user 11 or the first client 110, You can pay the settlement.

2 is a diagram showing a configuration of the fund server 200 shown in FIG.

Referring to FIG. 2, the fund server 200 according to an embodiment includes a moving-object evaluation unit 210, a moving-image management unit 220, an investment management unit 230, and a payment management unit 240.

The moving object evaluation unit 210 evaluates the collateral information included in the financing request information of the first client 110 and generates evaluation information on the collateral. The evaluation information may include, for example, an evaluation amount. As described above, the evaluation of collateral may be conducted online or offline.

The moving object management unit 220 manages the collateral provided from the first user 11. The moving object management unit 220 can manage the physical space operated by the fund server 200, for example, the mortgage by electronically interlocking with the property location. The collateral can be attached to an identification means such as an RFID, a two-dimensional bar code, or a three-dimensional bar code (for example, a QR code) and stored in a storage area. In the illustrated identification means, identification information for identifying the collateral and evaluation information for the collateral can be recorded. The second user 12, which is a potential investor, can visit the landing site directly to recognize the identification means attached to the collateral, and obtain the identification information and the evaluation information.

In addition, the moving object management unit 220 manages the collateral information and the evaluation information. For example, the mobile management unit 220 posts the collateral information and the evaluation information on the funding web page, so that a plurality of second users 12, which are potential investors, can retrieve and inquire collateral information.

The investment management unit 230 establishes a loan contract with the first user 11 based on the evaluation information, generates loan receipt information, and manages the loan receipt information. For example, the investment management unit 230 transmits the loan information to the first client 110.

Also, the investment management unit 230 generates funding information and manages the funding information. For example, the investment management unit 230 posts the funding information on the funding web page.

Also, the investment management unit 230 manages the investment request information received from the plurality of second clients 120. For example, a plurality of investment request information is sorted, and a predetermined number of investment request information is selected from a plurality of sorted investment request information to determine an investor. That is, if there are several desired investors for predetermined funding information, the investment management unit 230 determines the investor of the funding information as the competitive bidding method.

In addition, the investment management unit 230 can grasp the progress of funding such as how much investment has been made in relation to the evaluation value of the predetermined collateral.

The redemption management unit 240 can manage the redemption information. For example, the reimbursement management unit 240 may manage reimbursement of principal and / or interest for each time period. As another example, the redemption management unit 240 may manage the delinquency of interest based on the principal and / or the interest for each time. If the principal and / or interest of a predetermined time is overdue for a predetermined period of time, or the principal and / or interest is delinquent for a predetermined number of times or more, the redemption management unit 240 transmits the security information corresponding to the collateral of the first user 11, And transmits the evaluation information to the auction server 500 so that an auction for the collateral can proceed. If the collateral is sold through the auction server 500, the reimbursement management unit 240 processes the repayment of principal and / or interest based on the sale amount. If the sale amount is larger than the evaluation amount, the difference amount is transmitted to the first client 110.

3 is a diagram illustrating a crowdfunding and auction service system using a loan according to another embodiment of the present invention.

3, a crowdfunding and auction service system using a loan claim according to another embodiment includes a plurality of clients 100, a fund server 200, an auction server 500 ), And a used-trade server 600.

Since the plurality of clients 100, the fund server 200, and the auction server 500 have been described with reference to FIG. 1, a description overlapping with FIG. 1 will be omitted and differences will be mainly described.

The first user 11 may access the used trading server 600 through the first client 110. Thereafter, the first user 11 transmits the used goods information to the used-trade server 600. Used goods information means information about used goods. Used goods may include personal property. The used goods information may include at least one of the type, size, weight, quality, desired amount of transaction, desired transaction date, and transaction date of the used goods. The used merchandise information as illustrated may be in text format, image format, or both.

The pre-sale server 600 posts the used goods information received from the first client 110 to the pre-sale web page linked to the pre-sale server 600. At this time, the pre-sale server 600 displays a fund procurement request button (for example, a 'keep button' shown in FIG. 7) around each used goods information. After posting the used product information on the pre-sale web page, if the pre-sale transaction for the pre-owned item is not made for a predetermined period, the pre-sale server 600 transmits a guide message informing that the pre- To the client (110). Then, the first user 11 accesses the pre-sale web page through the first client 110, and then selects a fund procurement request button displayed together with the used goods information.

When the fundraising request button is selected, the used trading server 600 generates the collateral information based on the used merchandise information, and transmits the fundraising request information including the collateral information to the fund server 200. When there is insufficient information when generating the collateral information based on the used merchandise information, the used tradeserver 600 requests the first client 110 for necessary information, receives the requested information, generates collateral information can do.

Specifically, when the fundraising request button is selected, a user interface as shown in FIG. 5 may be displayed on the first client 110. Referring to FIG. 5, the user interface includes a plurality of input windows for inputting at least one of user information and used product information, an application button 710, and a cancel button 720.

When the screen of FIG. 5 is displayed, the first user 11 can input various user information and various used goods information into a plurality of input windows. Examples of user information include name, region, date of birth, gender, contact, and occupation. Examples of used product information include category, keyword, product name, brand, model name, purchase method (new purchase or secondhand), purchase place, purchase date, purchase amount and photograph. After the input of the user information and the used goods information is completed, when the apply button 710 is selected, funding request information including the inputted information can be transmitted to the fund server 200. [

Referring again to FIG. 3, when funding request information is received from the used trading server 600, the fund server 200 transmits deletion request information to the used trading server 600. The deletion request information may include identification information of the used goods that is the object of deletion. Based on the deletion request information received from the fund server 200, the pre-sale server 600 deletes the used goods information to which the fund procurement request information transmitted from the used goods information posted on the pre-sale web page is transmitted.

Then, the fund server 200 extracts the collateral information included in the funding request information. And collects the big data needed to identify the collateral's quotes and / or used quotes. For example, the fund server 200 may receive, from at least one of the auction server 500, the secondary sale server 600, the social network service (SNS) server, the portal service server, and the fund server 200, Collect the data. The collected big data may include at least one of a normal price of a collateral, a new price, a purchase price, a desired sale price, a purchase price of a business, a sale price, a direct deal, a bid price, and a contract price.

When the big data on the collateral is collected, the fund server 200 analyzes the collected big data and generates evaluation information on the collateral. As an example, the fund server 200 may analyze the big data based on a mashup algorithm. That is, at least one of the normal price of the collateral, the new price, the purchase price, the desired sale price, the purchase price of the business, the sale price, the direct deal, the bid price, and the contract price is merged to grasp the market price and / or the used price of the collateral. As another example, the fund server 200 may utilize a big data analysis technique. Big data analysis techniques include GWR (Geographically Weighted Regression), Logistic Regression Analysis, Probability Model, Ordinary Kriging Interpolation, Generalized Additive Model (GAM) Clustering analysis techniques, and decision tree analysis techniques.

Evaluation information for the collateral For example, when a quoted and / or a used quotation is obtained, the acquired information is stored in the fund server 200. The clients 100 can inquire the ticker information stored in the fund server 200. [ For example, it is possible to inquire ticker information using a user interface as shown in FIG.

6, the user interface includes a category selection window 810, a 'Query' button 820 corresponding to the category selection window 810, a keyword input window 830, and a keyword input window 830 And an 'inquiry' button 840. The category selection window 810 may include a plurality of sub-windows. 6 shows a case where the category selection window 810 includes five sub windows and five sub windows are arranged in the left and right direction. The users 10 can select a parent category in the leftmost first sub-window and then select a sub-category in the second sub-window located to the right of the first sub-window. In this manner, the users 10 can specifically select the upper category and the lower category of the collateral to inquire the ticker information.

Button 820 is clicked after the category is selected in the category selection window 810 of the user interface of FIG. 6 or the 'inquiry' button 840 after the keyword is inputted into the keyword input window 830 When clicked, as shown in FIG. 7, a user interface including a query information inquiry result may be displayed on the clients 100. FIG. Referring to FIG. 7, it can be seen that quotation information of the collateral corresponding to the category "apparel / miscellaneous" is displayed in an ordered manner in the user interface.

Referring again to FIG. 3, when the evaluation information on the collateral is generated, the fund server 200 generates loan receipt information by concluding a loan contract with the first user 11 based on the evaluation information. When the lending contract is concluded, the fund server 200 obtains the collateral from the first user 11 and stores it in the lender place during the loan contract period.

Thereafter, the fund server 200 generates funding information based on the evaluation information. The funding information may include, for example, a funding amount. The funding amount can be determined based on the valuation amount for the collateral and the fund setting ratio. The funding information generated in this manner and the corresponding collateral information may be posted on a funding web page linked to the fund server 200. [

Thereafter, the fund server 200 transmits the deletion request information to the used-trade server 600 so that the used-goods information received from the fund-raising request information among the used-goods information posted on the used-trade web page can be deleted do. According to another embodiment, the used goods information posted on the pre-sale web page may be automatically deleted after a certain period of time after the fund procurement request information is transmitted to the fund server 200.

As described above, first, the funding information and the collateral information are posted on the funding web page. Deletion of used goods information may be performed in the pre-sale web page, and each process may be performed in reverse order.

On the other hand, the fund server 200 receives a plurality of investment request information from a plurality of second users 12, which are potential investors, and transmits the desired investment amount information, the desired interest information, And arranges a plurality of investment request information based on the requested time. Then, a predetermined number of pieces of investment request information are selected from a plurality of sorted investment request information, and the second user 12 that has transmitted the selected investment request information is determined as an investor.

If the first user 11 fails to pay the interest on the interest payment date specified in the debt information or fails to repay the loan within the repayment period specified in the debt information, the fund server 200 transmits the guarantee, which is posted on the funding web page Deletes the information and the evaluation information, and transmits the deleted security information and the evaluation information to the auction server 500.

The auction server 500 generates the sales information based on the collateral information and the evaluation information, and posts the generated sales information on the auction web page. Other users 12, 13 and 14 other than the first user 11 can access the auction web page by using the respective clients 120, 130 and 140, have. Further, when it is desired to bid on the predetermined sale information, each user transmits the bid information to the auction server 500. [ As described above, when receiving the bidding information from other users except for the first user 11, the auction server 500 may give the second user 12 a right to charge the first buyer.

FIG. 4 is a diagram showing the configuration of the fund server 200 shown in FIG.

The fund server 200 shown in FIG. 4 includes a movable asset evaluation unit 210, a moving management unit 220, an investment management unit 230, a redemption management unit 240, and a collection unit 250. The moving-picture evaluation unit 210, the moving-picture management unit 220, the investment management unit 230, and the redemption management unit 240 have been described with reference to FIG. 2, so that redundant descriptions will be omitted and main features or differences will be mainly described.

The investment management unit 230 receives deletion request information requesting deletion of the used goods information from the pre-sale web page, when the fund procurement request information for the predetermined used goods information is received from the pre-sale server 600, ).

The collecting unit 250 collects the big data related to the collateral. For example, collects big data from at least one of the fund server 200, the auction server 500, the secondary sale server 600, the social network service server (not shown), and the portal service server do. The big data may include at least one of a normal price of a collateral, a new price, a purchase price, a desired sale price, a purchase price of a business, a sale price, a direct deal, a bid price, and a contract price. These information can be automatically collected by applying an API (Application Program Interface) to at least one of the used trading server 600, the fund server 200, and the auction server 500. Specifically, a new purchase price, a desired selling price, a purchased price, a used selling price, and a direct dealing amount may be collected from the used trading server 600. And the bid price and the winning bid price may be collected from the auction server 500. The collected big data is provided to the moving-image evaluation unit 210.

The moving object evaluation unit 210 analyzes the big data and generates evaluation information on the collateral. For example, the moving-image evaluation unit 210 analyzes at least one of the minimum value, the highest value and the average value among the collected big data. For this, the moving object evaluation unit 210 may use a mashup algorithm or another type of big data analysis technique. The analysis results can be provided to personal property professionals, who analyze the sales amount, turnover, success rate, accuracy and user propensity, and rework the information to determine the price information. The ticker information can be stored in the fund server 200, and the users 10 can inquire quote information on a predetermined article. The user interface for inquiring the ticker information is shown in FIG. 6, and the user interface for displaying the ticker information inquiry result is shown in FIG.

Referring to FIG. 7, it can be seen that a 'keep' button is arranged around each article. If the first user 11 selects the 'keep' button disposed around the 'series denim shirt' after checking the quotation information of the 'series denim shirt', the 'series denim shirt' is set as the collateral, Funding request information including collateral information corresponding to the collateral is transmitted to the fund server 200. Then, the fund server 200 obtains a 'series denim shirt' from the first user 11 and stores it in a temporary place. Then, the fund server 200 posts the evaluation information corresponding to the collateral information and the collateral information on the funding web page.

When the collateral information and the evaluation information are posted on the funding web page, one or more second users 12 excluding the first user 11 can invest in funding information on the 'series denim shirt'. When the funding amount is achieved by the second user 12, the loan is paid to the first user 11. [ Then, when the first user 11 delays the principal and / or interest for each time period, the selling information on the 'denim denim shirt' is posted on the auction web page of the auction server 500. As a result, the auction for the 'series denim shirt' may be proceeded, and the second user 12, the third user 13 and the fourth user 14 may submit a bid for the sale information on the 'series denim shirt' .

The embodiments of the present invention have been described above. In the above description, the fund server 200 may be one which is hardwarely separated from the auction server 500 and the used trading server 600, or is integrated with at least one of the auction server 500 and the used trading server 600 Lt; / RTI > Accordingly, the user interfaces shown in FIGS. 5 to 7 may be viewed as being provided by at least one of the fund server 200, the auction server 500, and the used-trade server 600. [

The methods described in connection with the embodiments of the present invention may be implemented with software modules executed by a processor. The software modules may reside in RAM, ROM, EPROM, EEPROM, flash memory, hard disk, removable disk, CD-ROM, or any form of computer readable recording medium known in the art .

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

110: first client
120: second client
130: Third client
140: fourth client
200: Fund server
500: Auction Server
600: Used Trading Server

Claims

A collecting unit for collecting big data related to the security information included in the funding request information when the funding request information is received according to a request of the first client;
Analyzing the big data to generate evaluation information of the collateral corresponding to the collateral information;
A moving image management unit for providing a user interface for searching or inquiring the evaluation information; And
And an investment management unit for generating loan information and funding information based on the evaluation information and for posting the funding information on a funding web page,
Wherein the user interface includes a category selection window for selecting a category of the collateral, a query button corresponding to the category selection window, a keyword input window for inputting the keyword of the collateral, and an inquiry button corresponding to the keyword input window At least one,
Wherein the category selection window includes a plurality of sub-windows for selecting an upper category and a lower category of the collateral,
Wherein the evaluation information displayed on the collateral is displayed on the user interface,
Wherein the evaluation information includes an evaluation amount,
The funding information includes a funding amount,
The funding amount is determined based on the evaluation amount and the fund setting ratio,
Wherein the fund setting ratio is set by at least one of a manager of a fund server linked with the funding web page and a first user of the first client,
The financing request information
A manipulation on a pre-sale web page linked to a pre-sale server or a funded web page linked to a fund server, displayed on the first client, to the respective server linked with each web page, Based financing,
When financing request information is received through the pre-sale web page by the first client connected to the pre-sale web page, the used goods information posted on the pre-sale web page is deleted from the pre-sale web page And posts the collateral information and the funding information generated on the basis of the used goods information to the funding web page,
The investment management unit,
The method comprising: receiving investment request information from a plurality of second users based on the funding information; and forming funds to be procured to the first user when a predetermined number of investment request information is selected from a plurality of investment request information, Crowd funding and auction service system using loans.

The method according to claim 1,
The big data includes:
A purchase price, a desired sale price, a business purchase price, a sale price, a direct deal, a bid price, and a contract price,
Wherein the funds collected from at least one of a fund server interlocked with the funding web page, a pre-sale server interlocked with the fund server, an auction server interlocked with the fund server, a social network service server, and a portal service server, Funding and auction service system.

The method according to claim 1,
Wherein the evaluation information includes ticker information,
Wherein the ticker information includes at least one of a ticker and a used price of the collateral.

The method according to claim 1,
The pre-sale server posts the used goods information received from the first client to the pre-sale web page, and then notifies the user that the pre-sale transaction has not been performed when the pre- And transmits a guidance message to the first client.

The method according to claim 1,
The investment management unit
Wherein the investor of the funding information is determined as a competitive bidding method among a plurality of desired investors wishing to invest in the funding information.

6. The method of claim 5,
The investment management unit
Receiving a plurality of investment request information including a desired investment amount information and a desired interest rate information from a plurality of second clients respectively corresponding to the plurality of desired investors, arranging the plurality of investment request information according to a predetermined sorting criterion Next, a second client, which transmits the investment request information referenced in the summation process when the sum of the sum amounts to the funding amount, is summed in the sort order in the desired investment amount included in the plurality of investment request information, A crowded funding and auction service system using loan receivables, determined as an investor of funding information.

The method according to claim 6,
The sorting criterion is
The desired investment amount information, the desired interest rate information, and the investment request time.

The method according to claim 1,
The moving-
The evaluation information of the collateral can be generated by the emotional expert by instructing the emotional expert related to the collateral to visit the place of the collateral,
Wherein the location of the collateral includes an arbitrary place known to the first client or a temporary place operated offline by the fund server.

The method according to claim 1,
Further comprising a redemption management unit for managing the redemption information of the first client,
The redemption management unit
When the first client delays at least one of the principal of the first time, the interest of the first time, and the loan, the funding information and the second information are transmitted to the auction server, and the auction web page is linked with the auction server. And deletes the funding information and the collateral information from the funding web page, using a credit bond.

10. The method of claim 9,
The auction server
And a second client that is determined to be an investor of the funding information when the bidding information is received from the second client and the third client with respect to the sale information posted on the auction web page, Crowd funding and auction service system.