KR101765046B1 - Method and Apparatus for Providing Web Platform Based Peer-to-Peer Loan Services - Google Patents

Method and Apparatus for Providing Web Platform Based Peer-to-Peer Loan Services Download PDF

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KR101765046B1
KR101765046B1 KR1020150177343A KR20150177343A KR101765046B1 KR 101765046 B1 KR101765046 B1 KR 101765046B1 KR 1020150177343 A KR1020150177343 A KR 1020150177343A KR 20150177343 A KR20150177343 A KR 20150177343A KR 101765046 B1 KR101765046 B1 KR 101765046B1
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South Korea
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investment
loan
amount
application
client
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KR1020150177343A
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Korean (ko)
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KR20170069744A (en
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권준
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권준
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    • G06Q40/025—
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services

Abstract

A method for providing a Peer to Peer (P2P) loan service based on a Web platform is disclosed. The method includes receiving a loan application that includes information about a loan application amount from a first client through a web site, receiving a cash investment application for the loan application from at least one second client through the website Receiving a trust investment application for the loan application from at least one third client through the web site, wherein the trust investment application includes information about a cash investment amount; Wherein the first client, the second client, and the third client include information on an investment amount, and when the sum of the cash investment amounts and the sum of the trust investment amounts reaches the loan application amount, A web page indicating that a P2P loan agreement has been established in accordance with the application for loan is posted on the website And a step of posting.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a peer-to-

The present invention relates to a business method using a web site, and more particularly, to a technology for providing a P2P loan service on a web basis.

The spread of technology called FinTech, which is a compound of finance and technology, is accelerating rapidly. Peer-to-peer (P2P) financing refers to the financing business in which individuals and individuals, or individuals, and businesses directly lend and receive money through an online platform without going through traditional financial companies such as banks. Such P2P finance is also called Landing-based Crowd Funding because of the nature of fund raising. In the case of P2P financing, the financial institution does not risk the unredeemed unlike the traditional offline bank, but instead the investor takes the risk. Investors can earn higher returns in exchange for risk-taking.

Domestic P2P financing currently has interest rates that are similar to or higher than the average interest rates of second-tier savings banks, but the rate of failure is lower than that of savings banks, resulting in higher return on investment. For this reason, P2P financing is regarded as a system to replace commercial banks in the long run. In particular, considering the Korean financial market, where interest rates are expected to decline in the future, the demand for P2P is expected to increase in various forms.

Overseas, financials such as Prosper and Landing Club in the United States and the Zone of Possible Agreement (ZOPA) in the United States are attracting attention as social crowdfunding and have an impact on major financial institutions. In 2007, the financial auction called Money Auction has been launched in Korea, making it the largest social funding service in Korea. In the future, it is expected that Korean conglomerates will be able to advance into FinTech and the financial infrastructure and awareness base will expand. In addition, institutional security, such as the establishment of the Crowdfunding Act, will take place one after another and it will be similar to the outlook in the future.

The object of the present invention is to provide a method and apparatus for providing a P2P loan service based on a web platform, which provides advantages of secure investment and unsecured investment by dispersing the unpaid burden in P2P lending.

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

According to embodiments of the present invention, a P2P (peer to peer) loan service providing method based on a web platform is provided. The method includes receiving a loan application that includes information about a loan application amount from a first client through a web site, receiving a cash investment application for the loan application from at least one second client through the web site Receiving a trust investment application for the loan application from at least one third client through the web site, wherein the trust investment application includes information about a cash investment amount; Wherein the first client, the second client, and the third client include information on an investment amount, and when the sum of the cash investment amounts and the sum of the trust investment amounts reaches the loan application amount, A web page informing that the P2P loan agreement conforming to the loan application has been established is sent to the website It can include.

In one embodiment, the loan application may further include information on the personal information of the applicant, the income and credit rating, the loan maturity date, the loan repayment method, and the loan interest rate.

In one embodiment, the method may further include, after receiving the loan application, placing a loan application record on the website including at least a part of the information included in the loan application.

In one embodiment, the step of receiving a cash investment application for the loan application from at least one second client through the website comprises intermittently receiving the cash investment application from a plurality of second clients, respectively can do.

In one embodiment, the step of displaying a web page informing that the P2P loan agreement has been established comprises the steps of: accumulating the cash investment amounts in the cash investment applications and calculating an accumulated cash investment amount; And determining whether the cash investment accumulated amount has reached the loan application amount.

In one embodiment, the method may further include displaying the investment status of the loan application on the web site.

In one embodiment, the investment status may include a target amount corresponding to the loan application amount, the cash investment accumulation amount, and information on the number of cash investors corresponding to the number of the second clients.

In one embodiment, the step of receiving a belief investment application for the loan application from at least one third client through the website comprises intermittently receiving the belief investment application from a plurality of third clients, respectively can do.

In one embodiment, the step of displaying a web page informing that the P2P loan agreement has been established comprises the steps of: accumulating the trust investment amounts in the trust investment applications to calculate the accumulated investment amount of trust investment; And determining whether the accumulated investment amount of the trust investment has reached the loan application amount.

In one embodiment, the investment status may include information about a target amount of money corresponding to the loan application amount, the accumulated investment amount of the trust, and a number of beliefs corresponding to the number of the third clients.

In one embodiment, the step of receiving a trust investment application for the loan application from the at least one third client through the website comprises the steps of: receiving at least one third client from the at least one third client, Confirming the number of at least one other loan agreement established in accordance with one other loan application, calculating the total sum of the cash investments invested by the at least one third client in the at least one other loan agreement And determining whether the condition that the investment amount of the trust in the trust investment application is equal to or less than the total sum of the cash investment amounts and the condition that the number of the at least one other loan agreement is less than or equal to the predetermined number can do.

In one embodiment, the step of displaying the web page informing that the P2P loan agreement is established may include a step of presenting a window to the first client informing that the P2P loan agreement has been established.

In one embodiment, the step of displaying a web page informing that the P2P loan contract has been established includes presenting a window to the at least one second client informing that the P2P loan agreement has been established, And presenting a window to the at least one third client informing that the P2P loan agreement has been established.

According to embodiments of the present invention, a web platform based P2P loan service providing method is provided. The method comprises the steps of: (i) receiving a loan application containing information about a loan application amount from a first client through a website; (ii) receiving a loan application from the second client via the website, (Iii) accumulating the cash investment amount to calculate an accumulated amount of cash investment, (iv) calculating an accumulated cash investment amount based on the cash investment amount, (Iv) repeating the steps (ii) to (iv) if it is determined that the cash investment accumulated amount has not reached the loan application amount; vi) receiving a trust investment application for the loan application from a third client via the web site, the trust investment application comprising: (Vii) accumulating the amount of the trust investment to calculate the accumulated amount of the trust investment, (viii) checking whether the accumulated amount of the faith investment has reached the loan application amount, (ix) Repeating the steps (vi) to (viii) if it is determined that the accumulated amount has not reached the loan application amount, and (x) repeating the steps (vi) And displaying a web page indicating that a P2P loan agreement has been established between the third client and the third client in accordance with the loan application on the web site.

According to embodiments of the present invention, a web server for providing a P2P loan service is provided. The web server receives a loan application including information on a loan application amount from a first client through a web site operated by the web server, and receives a loan application including at least a part of the information included in the loan application The cash investment application includes information on the amount of cash investment; and the cash investment application includes information on the amount of cash investment, And an investment application reception management unit configured to receive a trust investment application for the loan application from at least one third client, the trust investment application including information on a trust investment amount, Cumulative cash investment cumulative amount is calculated and the above-mentioned trust investment amount is accumulated Calculating a cumulative investment amount of money, and, when the accumulated cash investment amount and the accumulated investment amount of faith reach the loan application amount, the P2P loan agreement between the first client, the second client and the third client, And a loan contract management unit configured to determine that the loan contract has been established.

According to embodiments of the present invention, a web platform based P2P loan service providing method is also provided. The method includes receiving a loan application that includes information about a loan application amount from a first client through a web site, receiving a cash investment application for the loan application from at least one second client through the web site Receiving a trust investment application for the loan application from at least one third client through the web site, wherein the trust investment application includes information about a cash investment amount; Wherein the first client, the second client, and the third client include information on an investment amount, and when the sum of the cash investment amounts and the sum of the trust investment amounts reaches the loan application amount, And a step of determining that a P2P loan contract conforming to the loan application has been established.

In one embodiment, the step of receiving a loan application including information on a loan application amount from a first client through the website includes receiving a new loan application from the first client with the loan condition modified can do.

According to embodiments of the present invention, a method for providing a P2P investment service based on a web platform is also provided. The method comprises the steps of: publishing an investment product with a target amount of money in a web site; receiving a cash investment application for the investment product from at least one second client through the web site; Wherein the application includes information on the amount of cash investment - receiving a trust investment application for the investment product from at least one third client via the web site, the trust investment application comprising information about the trust investment amount And determining whether the sum of the cash investment amounts and the sum of the trust investment amounts has reached the target amount of money.

According to the embodiments of the present invention, there is a technical effect that it is possible to realize a P2P loan service that provides stable cash investment by distributing the unpaid burden on the P2P loan and offers advantages of investment without the initial capital.

1 is a diagram illustrating a network diagram in which an apparatus for providing a P2P loan service based on a web platform is connected to client terminals according to an embodiment of the present invention.
2 is a block diagram showing an embodiment of a configuration of a web platform based P2P loan service providing apparatus shown in FIG.
3 is a flowchart illustrating a method of providing a P2P loan service based on a web platform according to an exemplary embodiment of the present invention.
FIG. 4 is a diagram illustrating an example of a window for a loan / investment provided by the web server of FIG. 2. FIG.
FIGS. 5 to 8 illustrate examples of a series of 'loan application' windows displayed when the 'loan' button is clicked in FIG.
FIG. 9 is a diagram illustrating an embodiment of an 'investing' window for listing investment products.
FIG. 10 is a diagram illustrating an example of details of a corresponding investment product displayed when one of the investment products of FIG. 9 is clicked.
FIG. 11 is a view illustrating an embodiment of a cash investment window displayed when the 'invest cash' button of FIG. 10 is clicked.
FIG. 12 is a view showing an example of a cash investment completion message display window displayed when the user clicks the 'Invest' button of FIG.
FIG. 13 is a diagram illustrating an embodiment of a trust investment window displayed when the 'invest faith' button of FIG. 10 is clicked.
FIG. 14 is a view showing an embodiment of a message indicating that the user has clicked the 'Invest' button in FIG. 13.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of attaining 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 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. To fully disclose the scope of the invention to a person skilled in the art, and the invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the present invention. For example, an element expressed in singular < Desc / Clms Page number 5 > terms should be understood to include a plurality of elements unless the context clearly dictates a singular value. In addition, in the specification of the present invention, it is to be understood that terms such as "include" or "have" are intended to specify the presence of stated features, integers, steps, operations, components, The use of the term does not exclude the presence or addition of one or more other features, numbers, steps, operations, elements, parts or combinations thereof. Further, in the embodiments described herein, 'module' or 'sub-unit' may mean at least one function or a functional part performing an operation.

In addition, all terms used herein, including technical or scientific terms, unless otherwise defined, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be construed as meaning consistent with meaning in the context of the related art and may be interpreted in an ideal or overly formal sense unless explicitly defined in the specification of the present invention It does not.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, well-known functions or constructions will not be described in detail if they obscure the subject matter of the present invention.

1 is a diagram illustrating a network diagram in which an apparatus for providing a P2P loan service based on a web platform is connected to client terminals according to an embodiment of the present invention.

1, a user (a loan applicant, a cash investor, a faith investor) may use a client terminal 120-1 to 120-n to provide a P2P loan service providing apparatus based on a web platform according to an embodiment of the present invention, (100) through the communication network (150) and apply for a loan through a web page / window provided by the device (100), apply for a cash investment, or apply for a trust investment. In one embodiment, the client terminals 120-1 through 120-n may be a desktop or laptop PC with a wireless LAN and / or a wired LAN module, a portable PC such as a tablet PC, a notebook, (Internet Protocol Television), Internet TV, terrestrial TV, and cable TV, and the like, which are connected to the Internet, However, the type of the client terminal is not limited thereto.

In one embodiment, the client terminals 120-1 through 120-n may include a web browser and access the device 100 through the communication network 150 to access the web page provided by the device 100 To browse and search for < RTI ID = 0.0 > a < / RTI > Web browsers that can be installed in the client terminals 120-1 to 120-n include Opera, FireFox, Safari, Internet Explorer, Microsoft Edge, Google Chrome, Google Navigator and other web browser or Opera Mini, Firefox Mobile, Mobile Safari, Google Mobile, And the like.

The client terminals 120-1 to 120-n can be used by the loan applicant, the cash investor, and the faith investor regardless of the type thereof. Hereinafter, the client terminal used by the loan applicant is referred to as a 'first client' , A client terminal used by a cash investor is referred to as a 'second client', and a client terminal used by a faith investor is referred to as a 'third client'.

The communication network 150 may be a network such as the Internet, a WiFi network, a local area network (LAN), a wide area network (WAN), a value added network (VAN) (Personal Digital Assistant), a Personal Digital Assistant (PDA), a Personal Digital Assistant (IMT), a Personal Digital Assistant (PDA), a personal digital assistant (PDA) Mobile communication network such as Mobile Telecommunication -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W-CDMA), Wibro (Wireless Broadband Internet) or 4G (LTE / LTE- And the like. However, the type of the communication network 150 is not limited thereto. The apparatus 100 for providing P2P loan service based on the web platform according to the embodiment of the present invention presents the list of investment products that can be currently invested through the web page to the client terminals 120-1 to 120- And the client terminals 120-1 to 120-n can easily perform various procedures related to a loan application, a cash investment application and a faith investment application through web pages / window windows.

2 is a block diagram showing an embodiment of a configuration of a web platform based P2P loan service providing apparatus shown in FIG.

As shown in the figure, the apparatus 100 for providing a P2P loan service according to an embodiment of the present invention may include a database 210. In one embodiment, the database 210 may be implemented using a disk drive, magnetic disk, optical disk, or other suitable storage device. In one embodiment, the database 210 may store all data relating to a loan application, a cash investment application, and a faith investment application.

The web platform based P2P loan service providing apparatus 100 according to an embodiment of the present invention may further include a web server 220. [ The web server 220 may be interlocked with the database 210. In one embodiment, the web server 220 may be implemented as a processor, personal computer, workstation, or the like with mass storage. In general, the mass storage device may comprise a disk drive, magnetic disk, optical disk, or other suitable storage device. The web server 220 is configured to provide at least one web page / window to the client terminals 120-1 through 120-n in response to its connection by the client terminals 120-1 through 120-n .

The web server 220 may include a loan application reception management unit 222, an investment application reception management unit 224, a loan contract management unit 226, and a communication unit 228. The loan application reception management unit 222 can be configured to receive a loan application containing information on the loan application amount from the first client through the website operated by the web server 220. [ Also, the loan application reception management unit 222 can be configured to display the loan application details including at least a part of the information included in the loan application on the website.

The investment application reception management unit 224 may be configured to receive a cash investment application for a loan application from at least one second client through a website. Here, the cash investment application may include information on the amount of cash investment. In addition, the investment application reception management unit 224 may be further configured to receive a trust investment application for a loan application from at least one third client. Here, the Faith Investment Application may contain information about the amount of Faith Investment.

The loan contract management unit 226 may be configured to calculate the cash investment accumulated amount by accumulating the cash investment amounts by the plurality of second clients. The loan contract management unit 226 may be further configured to calculate the accumulated investment amount of the trust investment by accumulating the trust investment amounts by the plurality of third clients. The loan contract management unit 226 manages a loan contract between the first client, the second client, and the third client when the cumulative cash investment amount and the accumulated investment amount of faith reach the loan application amount, Pages can be further configured to be displayed on a web site.

The communication unit 228 may be implemented with hardware and software / firmware for performing communication based on IP (Internet Protocol), for example, through the client terminals 120-1 to 120-n and the communication network 150. [ In one embodiment, the communication unit 228 may be implemented by a communication interface conforming to the TCP / IP communication protocol.

The embodiments of the web server 220 described above may be implemented in hardware by application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices : DSPDs, programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), processors, controllers, micro-controllers, And may be implemented using at least one of microprocessors. Embodiments of web server 220, including procedures, steps, or functions, may be implemented as firmware / software modules that are executable on a hardware platform that allows performing at least one function or operation. A software module may be implemented by a software application written in an appropriate program language.

3 is a flowchart illustrating a method of providing a P2P loan service based on a web platform according to an exemplary embodiment of the present invention.

The method of providing a P2P loan service according to the present invention differs from the conventional P2P financing method in that a plurality of creditors (cash investors) investing in a loan product in cash are under the burden of raising funds, It is a separate type of P2P loan method in which a plurality of guarantors (trust investors) investing share the burden of the non-repayment. If both the cash investors 'cash investment and the belief investors' investment in trust achieve the requested amount of the loan applicant, the loan is concluded. If the applicant is successful in repaying the principal and interest, the interest on the loan will be divided among the cash investors and the faith investors. If the applicant fails to repay the principal and interest, faith investors will repay the contributions of the cash investors.

For the implementation of this method, the recruitment of cash investors to achieve the cash investment for the loan application amount and the recruitment of the faith investor to achieve the guaranteed investment amount will be carried out. Cash investors are not likely to lose principal. Faith Investors can invest money without capital, but they have a burden on the possibility of a nonpayment. Faith in Failure to Repay Debt In order to prevent investors from defaulting on debt, limit their investment in trust. For example, if a faith investor invests more than one million won in a trust, the trust investor limits the amount of cash invested in another loan contract, for example, up to 10 times. When the lender fails to pay the loan, the management has the right to invest in the trust of the investor and the right of the investor to other trusts is returned to the management. This is based on the statistical non-exchange rate being approximately 10%.

Hereinafter, embodiments of a series of 'loan application' windows displayed when a 'loan' button is clicked in FIGS. 4 and 4 showing an embodiment of a window for loan / investment provided by the web server of FIG. 2 FIGS. 5 to 8 show one example of the 'investment' window showing the investment products, and FIG. 9 and FIG. 9 show one example of the details of the investment products when the investment products are clicked. 11 and 11 showing one embodiment of the cash investment window displayed when the user clicks the 'invest cash' button of FIGS. 10 and 10 showing an example, 13 and 13 showing one embodiment of the trust investment window displayed when the 'invest trust' button of FIG. 12 and FIG. 10 showing an embodiment of the message display window is clicked, If it appears Referring to FIG. 14 showing one embodiment of a Faithful Investment Complete message display window, an embodiment of a web platform-based P2P loan service providing method for implementing the P2P loan service of the present invention described above will be described in detail do.

One embodiment of the method begins at step S310 of receiving a loan application from a first client via a website. Referring to FIG. 4, an embodiment of a window for a loan / investment provided by a web site operated by the web server 220 of the device 100 is shown. When the 'loan' button 450 is clicked on the lower menu of the window window 400, a screen as shown is displayed. In one embodiment, the loan status and credit rating of the first client (lender) may be displayed on the screen. In one embodiment, the loan status may include an average repayment rate of the first client, the number of loans, the total amount of the loans, and the average loan amount per loan. In one embodiment, the credit rating may be a credit rating assessed by the NICE valuation agency and may be set and displayed based on the content previously entered by the first client and the accompanying evidence. If the user clicks the 'loan' button 430 on this screen, the loan application window of FIGS. 5 to 8 is displayed. In the window 500 of FIG. 5, the name of the first client, the telephone number, and the e-mail are entered, and the user authentication can be performed by clicking the 'authenticate' button 550. Referring to FIG. 6 illustrating a next window 600, the salary, disposable income, and major / special characteristics of the first client are entered. Referring to FIG. 7, which is the next window 700, the loan application amount, for example, the loan maturity such as 12 months and 24 months, the repayment method (equitable principal repayment, maturity repayment, etc.), interest to be provided to the cash investor, And input the interest rate to be provided. Then, proceeding to the window 800 of FIG. 8, the purpose of the loan and the detailed purpose of the loan are described. In one embodiment, the first client may access the loan application window again by clicking the 'modify' button (not shown) to change the loan conditions, such as the loan application amount, the loan maturity, the repayment method, You can resend your application. When the items necessary for the windows shown in FIGS. 5 to 8 are described, the 'Submit' button 820 shown in FIG. 8 can be clicked. Thereby, the loan application by the first client is completed.

The next step is to place the loan application history on the website including at least a part of the information included in the loan application by the first client (step S320). At this stage, the details of the loan application by the first client can be displayed, for example, as one of the investment goods in the window 900 of FIG. In the window 900, investment products named 'part of the startup fund (001),' housing fund (002), 'marriage fund' (003) and 'living expenses' (004) are shown , And clicking on the page number at the bottom of the window 900, additional investment products may be displayed. In one embodiment, the window 900 is displayed as a 'Investment' button 970 in the bottom menu of the loan / investment window, for example, is clicked by a second client (a cash investor) or a third client (a believer investor) . The first client and the second client can look at the investment products displayed in the window 900 and then select and invest an investment product that is advantageous to the high-interest owner, for example. The first client and / or the second client can confirm the details by clicking on the investment item of interest among the investment products displayed in the window 900. [ An example of the details is shown in the window 1000 of FIG. The window 1000 of FIG. 10 is a window displayed when the user clicks on the 'performance money' (No. 012), which is the investment product displayed on the rear page in the window 900 of FIG.

In step S330, a cash investment application for a loan application is received from at least one second client through a website. When the 'invest cash' button 1010 displayed at the top of the window 1000 of FIG. 10 is clicked on, a 'cash investment' window appears. One embodiment of the cash investment window is shown in Fig. In the window (1100), the cash investment amount is indicated as 540,000 won. The second client can invest, for example, 200,000 won in cash within the investable range, and in this case, the expected redemption amount including interest is calculated and displayed as 206,620 won . 11, an investment is made and a message indicating that the cash investment has been completed as shown in the window 1200 of FIG. 12 is displayed. The receipt of such a cash investment application may be made continuously or intermittently for a plurality of second clients, until the cumulative amount of the cash investment invested by the previous investors reaches the target amount of the investment item (loan application amount) It continues.

In step S340, a request for investment in a loan for a loan application is received from at least one third client through a website. If the 'Invest Faith' button 1020 displayed at the top of the window 1000 of FIG. 10 is clicked on, a 'Faith Investing' window appears. An embodiment of the trust investment window is shown in FIG. In the window (1300), the trustable investment amount is indicated as 800,000 won, and the third client can invest cash of, for example, 170,000 won in the investable range. In this case, the repayment amount corresponding to the interest is calculated as 12,070 won . In one embodiment, limitations may be placed on the amount of faith investment by the third client. To do this, we check the number of other investment products that are different from the belief investment product that the third client is the contracting party, and calculate the total sum of the cash investments invested by the third client in other investment products And if the belief investment in the trust investment product satisfies the condition that the investment amount is less than the sum of the above cash investment amount and the condition that the number of other investment products is less than the predetermined number, So that the application can be accepted. In one embodiment, instead of displaying the trust investment amount in the window 1300 as 800,000 won, it is also possible to display the belief investment amount lower by an amount of 800,000 won or less, . Clicking on the 'Invest' button 1320 in FIG. 13, an investment is made and a message is displayed indicating that the investment of faith is complete as in window 1400 of FIG. The receipt of such a trust investment application may be made continuously or intermittently for a plurality of third clients, until the accumulated amount of the investment amount of the investment by the previous investors reaches the target amount of the investment item (loan application amount) It continues.

In the above description, for convenience of explanation, step (S330) of receiving a cash investment application for a loan application from a second client and step (340) of receiving a trust investment application for a loan application from a third client are explained as separate steps However, in actual implementation, it is possible to implement the step S330 and the step S340 in one step. For example, it is possible to randomly receive cash investment / trust investment applications such as receiving a cash investment application from a second client, receiving a faith investment application from a third client, and receiving a cash investment application from a second client. In addition, the embodiment of the method may further include, after step 310, selectively displaying the investment status of the loan application on the web site. In one embodiment, the investment status includes a target amount corresponding to the loan application amount, a cumulative amount of cash investment, a cumulative amount of belief investment, a number of cash investors corresponding to the number of the plurality of second clients, And may include information about the corresponding faith investor.

In step S350, it is determined whether the accumulated amount of the cash investment amount in step S330 and the cumulative amount of the belief investment amount in step S340 reach the target amount (loan application amount). If it is determined that the accumulation amount of the cash investment amount and the cumulative amount of the investment amount of faith have reached the target amount, a web page informing that the P2P loan agreement is established between the first client, the second client and the third client, Window) can be displayed on the website. In this case, it is possible to separately present a window for notifying that the P2P loan contract has been established to the first client, the second client and the third client of the loan application.

In the embodiments disclosed herein, the arrangement of the components shown may vary depending on the environment or requirements in which the invention is implemented. For example, some components may be omitted or some components may be integrated into one. In addition, the arrangement order and connection of some components may be changed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention. Accordingly, the technical scope of the present invention should be determined only by the appended claims.

100: Web platform-based P2P loan service provider
120-1 to 120-n:
150: Network
210: Database
220: Web server
222: Loan Application Reception Management Department
224: Investment Application Receipt Management Department
226: Loan Contract Management Department
228:

Claims (20)

A method for providing a peer-to-peer (P2P) loan service based on a web platform,
Receiving a loan application including information on a loan application amount from a first client through a web site,
Receiving a cash investment application for the loan application from at least one second client through the web site, the cash investment application including information about a cash investment amount;
Receiving a belief investment application for the loan application from at least one third client through the web site, the belief investment application including information about a belief investment amount; and
When the sum of the cash investment amounts and the sum of the trust investment amounts reaches the loan application amount, a P2P loan agreement is established between the first client, the second client and the third client in accordance with the loan application The method of claim 1, further comprising: displaying a web page on the web site,
And the sum of the trust investment amounts is to secure the sum of the cash investment amounts. The method according to claim 1,
Wherein the loan application further includes information on the personal information of the applicant of the loan, the income and credit rating, the expiration date of the loan, the repayment method of the loan, and the loan interest rate. 3. The method of claim 2,
Further comprising the step of, after receiving the loan application, displaying the loan application history including at least a part of the information included in the loan application on the website. The method according to claim 1,
Wherein the step of receiving a cash investment application for the loan application from at least one second client through the web site comprises intermittently receiving the cash investment application from a plurality of second clients, Delivery method. 5. The method of claim 4,
The step of displaying the web page informing that the P2P loan contract is established on the website
Accumulating the cash investment amounts in the cash investment applications and calculating an accumulated cash investment amount, and
And determining whether the cash investment accumulated amount has reached the loan application amount. 6. The method of claim 5,
And displaying the investment status of the loan application on the web site. The method according to claim 6,
Wherein the investment status includes information on a target amount corresponding to the loan application amount, the cash investment accumulated amount, and a cash investment amount corresponding to the number of the second clients. The method according to claim 1,
Wherein the step of receiving a trust investment application for the loan application from at least one third client through the website comprises intermittently receiving each of the trust investment applications from a plurality of third clients, Delivery method.
9. The method of claim 8,
The step of displaying the web page informing that the P2P loan contract is established on the website
Accumulating the trust investment amounts in the trust investment applications to calculate an accumulated investment amount of trust investment; and
And determining whether the accumulated investment amount of faith has reached the loan application amount. 10. The method of claim 9,
And displaying the investment status of the loan application on the web page. 11. The method of claim 10,
Wherein the investment status includes information on a target amount corresponding to the loan application amount, the accumulated investment amount of the trust investment, and a number of investment trustees corresponding to the number of the third clients. The method according to claim 1,
Wherein the step of receiving a trust investment application for the loan application from at least one third client via the website comprises:
Confirming the number of at least one other loan agreement established in accordance with at least one other loan application other than said loan application, wherein said at least one third client is a contracting party;
Calculating a total sum of cash investment amounts invested by said at least one third client in said at least one other loan agreement; and
Determining whether the trust investment amount in the trust investment application is equal to or less than the total sum of the cash investment amounts and whether the condition of the at least one other loan contract is equal to or less than a predetermined number; How to provide a loan service. The method according to claim 1,
The step of displaying a web page informing that the P2P loan contract has been established includes presenting a window to the first client informing that the P2P loan agreement has been established. The method according to claim 1,
The step of displaying the web page informing that the P2P loan contract is established on the website
Presenting a window to the at least one second client informing that the P2P loan agreement has been established; and
And presenting a window to the at least one third client informing that the P2P loan agreement has been established. A method for providing a P2P loan service based on a web platform,
(i) receiving a loan application containing information on a loan application amount from a first client via a website,
(ii) receiving a cash investment application for the loan application from a second client via the web site, the cash investment application including information on a cash investment amount,
(iii) accumulating the cash investment amount and calculating an accumulated cash investment amount,
(iv) checking whether the cash investment accumulated amount has reached the loan application amount,
(v) repeating the steps (ii) to (iv) if it is determined that the cash investment accumulated amount has not reached the loan application amount,
(vi) receiving a belief investment application for the loan application from a third client through the website, the belief investment application including information about a belief investment amount;
(vii) accumulating the belief investment amount to calculate a belief investment accumulation amount,
(viii) checking whether the accumulated investment amount of faith has reached the loan application amount,
(ix) repeating the steps (vi) to (viii) when it is determined that the accumulated investment amount of the trust does not reach the loan application amount, and
(x) displaying, on the web site, a web page indicating that a P2P loan agreement has been established between the first client, the second client and the third client in accordance with the loan application,
And the accumulated amount of trust investment is for securing the accumulated amount of cash investment. 15. A computer-readable recording medium having stored thereon a program, the program comprising instructions that when executed by a computer perform the method of any one of claims 1 to 15, Readable recording medium. As a web server for providing P2P loan service,
Receiving a loan application including information on a loan application amount from a first client through a web site operated by the web server and transmitting a loan application history including at least a part of the information included in the loan application to the website A loan application reception management unit configured to display the loan application,
Receiving a cash investment application for the loan application from at least one second client via the web site, the cash investment application including information about a cash investment amount, and receiving from the at least one third client the loan application An investment application reception management unit configured to receive an investment application for faith - the investment application includes information on the investment amount of faith; and
Accumulating the cash investment amount to calculate a cash investment accumulation amount, accumulating the trust investment amount to calculate a cumulative trust investment amount, and when the accumulated cash investment amount and the accumulated trust investment amount reach the loan application amount, And a loan contract management unit configured to determine that a P2P loan agreement that matches the loan application has been established between the first client, the second client, and the third client,
And the accumulated amount of trust investment is for securing the accumulated amount of cash investment. A method for providing a P2P loan service based on a web platform,
Receiving a loan application including information on a loan application amount from a first client through a web site,
Receiving a cash investment application for the loan application from at least one second client through the web site, the cash investment application including information about a cash investment amount;
Receiving a belief investment application for the loan application from at least one third client through the web site, the belief investment application including information about a belief investment amount; and
When the sum of the cash investment amount and the sum of the trust investment amount reaches the loan application amount, a P2P loan contract that is in conformity with the loan application is established between the first client, the second client, and the third client Judging whether or not it is possible,
And the sum of the trust investment amounts is to secure the sum of the cash investment amounts. 19. The method of claim 18,
Wherein the step of receiving a loan application including information on a loan application amount from a first client through the website comprises receiving a new loan application with a loan condition modified from the first client, Delivery method. As a method of providing a P2P investment service based on a web platform,
A step of posting an investment item having a target amount of money on a website,
Receiving a cash investment application for the investment product from at least one second client through the web site, the cash investment application including information on a cash investment amount;
Receiving a belief investment application for the investment product from at least one third client through the web site, the belief investment application comprising information about a belief investment amount; and
Determining whether the sum of the cash investment amounts and the sum of the trust investment amounts has reached the target amount,
And the sum of the trust investment amounts is to secure the sum of the cash investment amounts.
KR1020150177343A 2015-12-11 2015-12-11 Method and Apparatus for Providing Web Platform Based Peer-to-Peer Loan Services KR101765046B1 (en)

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