KR101792561B1 - System for circulation of financial capital based on mobile device, and method thereof - Google Patents

System for circulation of financial capital based on mobile device, and method thereof Download PDF

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KR101792561B1
KR101792561B1 KR1020150172277A KR20150172277A KR101792561B1 KR 101792561 B1 KR101792561 B1 KR 101792561B1 KR 1020150172277 A KR1020150172277 A KR 1020150172277A KR 20150172277 A KR20150172277 A KR 20150172277A KR 101792561 B1 KR101792561 B1 KR 101792561B1
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client
server
loan
senior
debtor
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KR20170065913A (en
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남성태
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남성태
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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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0279—Fundraising management
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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

Abstract

The present invention relates to a mobile device-based financial fund raising system and method.
The present invention provides a method for a borrower client (120), comprising: a first step of transmitting a loan application request to a P2P server (130) via a network; A second step of the P2P server 130 requesting a loan condition (goods) DB inquiry to the loan condition server 140 via the network; The loan condition server 140 calculates a loan to value ratio (LTV) corresponding to the loan value ratio against the collateral value information received from the debtor client 120 and the collateral value (the asset price of the real estate collateral such as the house or the land) A third step of extracting a senior loan product list through DB matching analysis on the debtor information including the information on the borrower information and transmitting it to the P2P server 130 through the network; The P2P server 130 sends a senior loan recommendation to the debtor client 120 via the network so that the P2P server 130 makes the senior fund loan procurement for the senior credit bank client 150 ranked in the highest priority among the senior loan commodity list Step 4; A fifth step in which the debtor client 120 transmits a request for a loan application to the P2P server 130 through a network; A sixth step in which the P2P server 130 transmits a senior loan examination request to the senior credit bank client 150 for transmission of a loan examination application to the senior credit bank client 150 of the debtor client 120 through a network; After the senior credit bank client 150 performs the senior loan examination according to the debtor information received from the P2P server 130 or the loan condition server 140, the senior credit bank client 150 transmits the loan examination result notification {the final major transaction condition information including the interest rate condition term sheet} to the debtor client 120; An eighth step of the debtor client (120) receiving a senior loan response to the senior credit bank client (150) from the input unit; A step 9 in which the debtor client 120 requests the senior credit bank client 150 for a senior loan application via the network when the senior loan response is affirmative; A tenth step in which the senior credit bank client 150 determines whether to approve the loan; When the decision of the tenth step is completed, the senior credit bank client 150 transmits a security trust establishment request for the real estate corresponding to the security value in the third step to the debtor client 120 via the network step; A step 12 in which the debtor client 120 performs a security trust establishment application to the secured trust company client 110 via the network; A step 13 of the collateral trust company client 110 notifying the P2P server 130 of the collateral trust establishment through the network when the collateral trust establishment is completed; Concurrently with the eleventh step, the senior credit bank client 150 further transmits a credit evaluation / assurance evaluation result notification to the P2P server 130 via the network, wherein the P2P server 130 receives from the senior credit bank client 150 according to the step 11a the 'credit evaluation / guarantee assessment result notification reception' from the secured credit company client 110 according to the step 13, 14 < th > step of deciding whether or not to approve the loan, The method comprising the steps of: (a) if the determination in the step 14 is a loan approval, the P2P server 130 transmits a P2P loan review result notification to the debtor client 120 via a network; A step 16 of waiting for the debtor client 120 to receive a decision input message of the debtor on whether or not the borrower client 120 lends to the subordinate P2P loan according to the notification of the senior P2P loan examination result by the step 15; 17) In case of receiving the decision input message, the debtor client 120 performs the P2P funding application to the P2P server 130 via the network; 18 is a flowchart illustrating a method for providing a fund-raising start-up / investing manual to a subordinate creditor client 160 through a network; The subordinate creditor client 160 transmits an investment application matching the investment statement according to the step 18 to the P2P server 130 through the network at the same time as the step 19 or after the step 19, (B) transmitting the deposit completion message according to the capital call through the financial institution to the P2P server 130 through the network; 20) The P2P server 130 transmits a request for issuing a preferred beneficial owner certificate to the secured trust company client 110; 20a is a step S20a of performing a deposit notification indicating that the P2P server 130 proceeds to the 20th step according to reception of another payment completion message to the subordinate creditor client 160 via the network at step S119b; And 21) the security trust client client 110 transmits the priority monetary policy issuance notification to the senior credit bank client 150 and the subordinate creditor client respectively. The mobile financial device of claim 1, wherein the mobile device is a mobile device operated by a borrower. The mobile device is a mobile device operated by a borrower, (Loan to value ratio) that corresponds to the loan ratio to the mortgage value (the asset price of the real estate collateral such as the home or the land) A debtor client 120 requesting a P2P server 130 corresponding to a platform server; If a borrower who borrows financial assets as a collateral asset for real estate is determined to be in default condition, NPL (Non Performing), a server run by a specialized investment company that makes a profit by investing in NPL, Investment server; A server operated by a mortgage trust platform operator is provided with a loaner operating a debtor client 120, investors operating a subordinate creditor client 160 configurable as an aggregate of investor mobile devices, (Not shown) corresponding to the second financial region, and receives a brokerage fee and a fee from the brokerage server 130 ); A senior loan interest rate (2.5 to 10%) for the secured assets between the debtor client 120 by intermediation of the P2P server 130 and the senior credit bank client 150, which is the first bank server (commercial bank server) (10%) to the P2P server (130) to invest in financial assets at a higher interest rate (3.5% to 3.5%) than the high interest rate A subordinate creditor client 160 who buys; A senior creditor bank client 150 that lends at a senior loan interest rate so that the lender can afford to be financed; And an investment company that executes a subordinated loan for a secured loan that has been approved for a loan through a credit and collateral examination in the first financial sector and sells the principal payment right to investors corresponding to the public according to the brokerage of the P2P server 130 A mortgage trust company client 110 that is a server (credit handling company server); And the P2P server 130 receives the information on the real estate collateral from the borrower client 120 for the P2P loan and then transmits the funds to each of the subordinate creditor clients 160 in order to construct a plurality of creditors, The issuance information of the principal interest receipt corresponding to the individual beneficiary certificate is transmitted to the investor mobile device operated by the creditor who has submitted the proposal through the raising proposal, and the senior credit bank client 150 and the subordinate creditor client 160), as well as individual priorities for creditors operating investor mobile devices that constitute the subordinate creditor client (160), issuing a separate deed receipt to which dividends can be made according to the priorities of the exchange When the P2P server 130 proposes the fund raising as the first type, the fund raising (The amount of financial assets to be invested), and then set up a subordinate creditor client (160) as a "non-pure bulk collecting type" (traditional P2P type, net auction) The investor mobile device 160 transmits the fund raising proposal to the creditors operating the investor mobile device, sets the total amount of the financial assets corresponding to the fund amount, and applies the application of each investor mobile device constituting the subordinate creditor client 160 without a seniority When a borrower who operates a borrower client (120) generates a default, the borrower conducts a dividend payment to investors who are in the same rank as the borrower, and the borrower prioritizes borrowers And the P2P server 130, when proposing the fund raising to the second type, Creditors operating an investor mobile device that constitutes a subordinate creditor client 160 with a "listing by rank selection section" for constructing a cloud fund for fund raising {borrower and broker offer type, net auction} A slip of the loan amount is proposed and sold to the subordinate creditor client 160 corresponding to the creditors, and the database (DB, 24 ), The amount is divided according to the repayment value of the collateral value, and since the divided amount is different from that of the collateral value, the pre-set LTV percentage (85%) for the real estate collateral in the downtown area is provided by the commercial bank, After performing slicing to a lower percentage (80%) than LTV percentage (85%), The fund raising interval is divided for the remaining loan amount corresponding to the remaining percentage (20%) corresponding to the value obtained by subtracting the predetermined LTV percentage (00%) from the predetermined LTV percentage (85%) and the higher interest rate is allocated to the subordinated creditor client 160 to perform the fund raising. When the P2P server 130 confirms the interest rate per slice section for the third type fund raising proposal, the bidder Bidding ), The interest rate for each slice interval is determined in advance, the analysis information is presented to the debtor client 120 through the conjoint analysis, and the fundraising condition for fundraising is presented from the debtor client 120 , A loan amount corresponding to the commodity is presented by the debtor client 120 and a method of bidding the interest rate is performed, Optionally, you can choose to "buy immediately", if you have a pre-set interest rate (2.5%) pre-set for a section, or you can wait for a fixed period of time as a second option (you can include fun elements, (The client 160 may send a push message received from the debtor client 120 to ask go higher), the third option is "Dutch auction (Descending price auction, starting from very high price and gradually going low"), The P2P server 130 can provide a free choice ranking reverse auction offer for the cloud fund construction for the fund raising when the fourth type of fund raising proposal is made. A fund raising proposal for creditors operating an investor mobile device constituting a subordinate creditor client 160 as a " And transmits an offer to the debtor client 120 via the P2P server 130 by presenting at least one of the investment amount and the interest rate to each investor mobile device, The offerer client 120 operated by the borrower automatically generates and provides offer information such as an overall interest rate and a sum loan and provides the offer information to the borrower client 120 operated by the borrower. A subordinate creditor client 160 (hereinafter, referred to as a "subordinate creditor client") in a manner of recruiting a predetermined amount of investment up to predetermined rules for the fund raising proposal, (LTV) (LTV 60%) when transmitting a fund raising proposal for creditors operating an investor mobile device that constitutes We will recruit investors to invest at once, and invest in the amount of the investment corresponding to the second LTV percentage (LTV 75%), which is larger than the first LTV percentage, in a predetermined amount of money (30 million won) And receives a fund raising proposal for the creditors operating each investor mobile device from the subordinate creditor client 160 in a manner that receives the proposal from the investors for the investment amount corresponding to the second LTV percentage (75%) or more Collects the received offer for a predetermined period of time, proposes the collection information to the debtor client 120 to determine the investment fund raising, and the P2P server 130 borrows the secured asset corresponding to the real estate as collateral If the debtor lender is determined to be in the default state, the auction reservation function can be used as a subordinate creditor client (160) to provide a collateral trust for one collateral, and securing and distributing bonds according to the seniority (priority) by designation of the beneficiary.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile financial device,

More particularly, the present invention relates to a mobile device-based financial fund raising system and method, and more particularly, And a system and method for financial fund raising.

Conventional P2P lending service method has been able to expect higher interest rate by matching the required funds directly without going through the banks that have been enjoying the margin margin through information asymmetry and borrowers can also be financed with favorable conditions It was.

However, as of June 2015, the P2P loan market, which is emerging as a new financial system, is predominantly focused on credit loans. The reason for this is that there are some obstacles to the automation or systemization of 'mortgage loan' compared to credit loan, which can take full advantage of online P2P.

First, in the case of mortgage loans, it is necessary to establish a municipal bond that requires a large amount of lending in comparison with a credit loan, and takes an off-line process, time, and cost in order to set up a lien.

Second, the P2P loan service is fundamentally funded from a large number of investors. In order for a majority of the respondents to be included in the pool of creditors, it is necessary to set up a clear and clear understanding of the dividend rights and dividend ratios of each creditor . However, the current registration system is incompatible with the inclusion of a large number of creditors, and the registration fee must be revised every time there is a change related to the bond. In other words, the name of dozens of creditors is uploaded when a certified copy of the register is printed, and every time a correction is made, the entire creditor list is printed several times on dozens of copies.

Third, there is a problem with the debtors' debt fulfillment after the execution of the loan, and when the debt is collected through the auction, the legal processing cost is incurred and the incurrence (eg, the situation where the dividend is given priority over the mortgage: Related charges, taxes, lease related (lucidity), liens, and other bond issues} can be involved in complex legal issues that are time and cost incurred.

The 'collateral trust system' can be a good solution to these problems. In other words, a mortgage trust is a trust that a real estate owner (trustee) uses for the purpose of providing collateral for his or her own property to guarantee the fulfillment of his or her obligations or responsibilities. In the revised Trust Act of 2012, interest ") as a trust act.

Such collateral trusts are a viable solution to the problems mentioned above as a means of securing bonds that are replaced by the establishment of a municipal bond.

First, the lien can be set up as a mortgage trust, not a conventional mortgage lender. In this case, since the registration tax, local education tax, stamp tax, etc. do not occur, It is easy.

Second, the trust company transfers the ownership to the trustee and manages the maintenance of the collateral value during the trust period and returns the trustee to the trustee when the debt is normally implemented. At this time, it is possible to set up the collateral and to arrange relatively many bond relations related to it relatively easily.

Third, since the trust company manages the new lease and the subordinate right holder, it is possible to manage the tenant and accordingly, the tenant who claims the small tenancy bond by pretending to be the small tenant is protected beforehand, It is possible to protect the rights of the creditor by preventing it from origin.

The 'collateral trust', which has these advantages, can divide the creditor of creditors and creditors of creditors, and can create diverse and diverse legal relationships through the function of transferring trusts. Especially, It is expected to be utilized in various ways such as securitization of bonds.

[Related Technical Literature]

Real-time loan processing and loan funds (REAL-TIME LOAN PROCESSING AND LOAN FUND) (Patent Application No. 10-2015-7004660)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a method and system for solving the above problems, in which, when an individual or a corporation lends a property to a mortgage, And a mobile device-based financial fund raising system and method for allowing a plurality of creditors to collect funds from a plurality of creditors as collateral for real estate.

In addition, since the present invention designates a plurality of creditors as a beneficiary so that a trustee (trust company) issues a 'deed of trust' to a creditor, and does not set a mortgage between a creditor and a debtor, Based financial fund raising system and method in order to reduce the cost (registration set-up cost) of the mobile terminal.

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

In order to achieve the above object, a mobile device-based financial fund raising system according to an embodiment of the present invention includes a first step of a borrower client 120 transmitting a loan application request to a P2P server 130 via a network; A second step of the P2P server 130 requesting a loan condition (goods) DB inquiry to the loan condition server 140 via the network; The loan condition server 140 calculates a loan to value ratio (LTV) corresponding to the loan value ratio against the collateral value information received from the debtor client 120 and the collateral value (the asset price of the real estate collateral such as the house or the land) A third step of extracting a senior loan product list through DB matching analysis on the debtor information including the information on the borrower information and transmitting it to the P2P server 130 through the network; The P2P server 130 sends a senior loan recommendation to the debtor client 120 via the network so that the P2P server 130 makes the senior fund loan procurement for the senior credit bank client 150 ranked in the highest priority among the senior loan commodity list Step 4; A fifth step in which the debtor client 120 transmits a request for a loan application to the P2P server 130 through a network; A sixth step in which the P2P server 130 transmits a senior loan examination request to the senior credit bank client 150 for transmission of a loan examination application to the senior credit bank client 150 of the debtor client 120 through a network; After the senior credit bank client 150 performs the senior loan examination according to the debtor information received from the P2P server 130 or the loan condition server 140, the senior credit bank client 150 transmits the loan examination result notification {the final major transaction condition information including the interest rate condition term sheet} to the debtor client 120; An eighth step of the debtor client (120) receiving a senior loan response to the senior credit bank client (150) from the input unit; A step 9 in which the debtor client 120 requests the senior credit bank client 150 for a senior loan application via the network when the senior loan response is affirmative; A tenth step in which the senior credit bank client 150 determines whether to approve the loan; When the decision of the tenth step is completed, the senior credit bank client 150 transmits a security trust establishment request for the real estate corresponding to the security value in the third step to the debtor client 120 via the network step; A step 12 in which the debtor client 120 performs a security trust establishment application to the secured trust company client 110 via the network; A step 13 of the collateral trust company client 110 notifying the P2P server 130 of the collateral trust establishment through the network when the collateral trust establishment is completed; Concurrently with the eleventh step, the senior credit bank client 150 further transmits a credit evaluation / assurance evaluation result notification to the P2P server 130 via the network, wherein the P2P server 130 receives from the senior credit bank client 150 according to the step 11a the 'credit evaluation / guarantee assessment result notification reception' from the secured credit company client 110 according to the step 13, 14 < th > step of deciding whether or not to approve the loan, The method comprising the steps of: (a) if the determination in the step 14 is a loan approval, the P2P server 130 transmits a P2P loan review result notification to the debtor client 120 via a network; A step 16 of waiting for the debtor client 120 to receive a decision input message of the debtor on whether or not the borrower client 120 lends to the subordinate P2P loan according to the notification of the senior P2P loan examination result by the step 15; 17) In case of receiving the decision input message, the debtor client 120 performs the P2P funding application to the P2P server 130 via the network; 18 is a flowchart illustrating a method for providing a fund-raising start-up / investing manual to a subordinate creditor client 160 through a network; The subordinate creditor client 160 transmits an investment application matching the investment statement according to the step 18 to the P2P server 130 through the network at the same time as the step 19 or after the step 19, (B) transmitting the deposit completion message according to the capital call through the financial institution to the P2P server 130 through the network; 20) The P2P server 130 transmits a request for issuing a preferred beneficial owner certificate to the secured trust company client 110; 20a is a step S20a of performing a deposit notification indicating that the P2P server 130 proceeds to the 20th step according to reception of another payment completion message to the subordinate creditor client 160 via the network at step S119b; And 21) the security trust client client 110 transmits the priority monetary policy issuance notification to the senior credit bank client 150 and the subordinate creditor client respectively. The mobile financial device of claim 1, wherein the mobile device is a mobile device operated by a borrower. The mobile device is a mobile device operated by a borrower, (Loan to value ratio) that corresponds to the loan ratio to the mortgage value (the asset price of the real estate collateral such as the home or the land) A debtor client 120 requesting a P2P server 130 corresponding to a platform server; If a borrower who borrows financial assets as a collateral asset for real estate is determined to be in default condition, NPL (Non Performing), a server run by a specialized investment company that makes a profit by investing in NPL, Investment server; A server operated by a mortgage trust platform operator is provided with a loaner operating a debtor client 120, investors operating a subordinate creditor client 160 configurable as an aggregate of investor mobile devices, (Not shown) corresponding to the second financial region, and receives a brokerage fee and a fee from the brokerage server 130 ); A senior loan interest rate (2.5 to 10%) for the secured assets between the debtor client 120 by intermediation of the P2P server 130 and the senior credit bank client 150, which is the first bank server (commercial bank server) (10%) to the P2P server (130) to invest in financial assets at a higher interest rate (3.5% to 3.5%) than the high interest rate A subordinate creditor client 160 who buys; A senior creditor bank client 150 that lends at a senior loan interest rate so that the lender can afford to be financed; And an investment company that executes a subordinated loan for a secured loan that has been approved for a loan through a credit and collateral examination in the first financial sector and sells the principal payment right to investors corresponding to the public according to the brokerage of the P2P server 130 A mortgage trust company client 110 that is a server (credit handling company server); And the P2P server 130 receives the information on the real estate collateral from the borrower client 120 for the P2P loan and then transmits the funds to each of the subordinate creditor clients 160 in order to construct a plurality of creditors, The issuance information of the principal interest receipt corresponding to the individual beneficiary certificate is transmitted to the investor mobile device operated by the creditor who has submitted the proposal through the raising proposal, and the senior credit bank client 150 and the subordinate creditor client 160), as well as individual priorities for creditors operating investor mobile devices that constitute the subordinate creditor client (160), issuing a separate deed receipt to which dividends can be made according to the priorities of the exchange When the P2P server 130 proposes the fund raising as the first type, the fund raising (The amount of financial assets to be invested), and then set up a subordinate creditor client (160) as a "non-pure bulk collecting type" (traditional P2P type, net auction) The investor mobile device 160 transmits the fund raising proposal to the creditors operating the investor mobile device, sets the total amount of the financial assets corresponding to the fund amount, and applies the application of each investor mobile device constituting the subordinate creditor client 160 without a seniority When a borrower who operates a borrower client (120) generates a default, the borrower conducts a dividend payment to investors who are in the same rank as the borrower, and the borrower prioritizes borrowers And the P2P server 130, when proposing the fund raising to the second type, Creditors operating an investor mobile device that constitutes a subordinate creditor client 160 with a "listing by rank selection section" for constructing a cloud fund for fund raising {borrower and broker offer type, net auction} A slip of the loan amount is proposed and sold to the subordinate creditor client 160 corresponding to the creditors, and the database (DB, 24 ), The amount is divided according to the repayment value of the collateral value, and since the divided amount is different from that of the collateral value, the pre-set LTV percentage (85%) for the real estate collateral in the downtown area is provided by the commercial bank, After performing slicing to a lower percentage (80%) than LTV percentage (85%), The fund raising interval is divided for the remaining loan amount corresponding to the remaining percentage (20%) corresponding to the value obtained by subtracting the predetermined LTV percentage (00%) from the predetermined LTV percentage (85%) and the higher interest rate is allocated to the subordinated creditor client 160 to perform the fund raising. When the P2P server 130 confirms the interest rate per slice section for the third type fund raising proposal, the bidder Bidding ), The interest rate for each slice interval is determined in advance, the analysis information is presented to the debtor client 120 through the conjoint analysis, and the fundraising condition for fundraising is presented from the debtor client 120 , A loan amount corresponding to the commodity is presented by the debtor client 120 and a method of bidding the interest rate is performed, Optionally, you can choose to "buy immediately", if you have a pre-set interest rate (2.5%) pre-set for a section, or you can wait for a fixed period of time as a second option (you can include fun elements, (The client 160 may send a push message received from the debtor client 120 to ask go higher), the third option is "Dutch auction (Descending price auction, starting from very high price and gradually going low"), The P2P server 130 can provide a free choice ranking reverse auction offer for the cloud fund construction for the fund raising when the fourth type of fund raising proposal is made. A fund raising proposal for creditors operating an investor mobile device constituting a subordinate creditor client 160 as a " And transmits an offer to the debtor client 120 via the P2P server 130 by presenting at least one of the investment amount and the interest rate to each investor mobile device, The offerer client 120 operated by the borrower automatically generates and provides offer information such as an overall interest rate and a sum loan and provides the offer information to the borrower client 120 operated by the borrower. A subordinate creditor client 160 (hereinafter, referred to as a "subordinate creditor client") in a manner of recruiting a predetermined amount of investment up to predetermined rules for the fund raising proposal, (LTV) (LTV 60%) when transmitting a fund raising proposal for creditors operating an investor mobile device that constitutes We will recruit investors to invest at once, and invest in the amount of the investment corresponding to the second LTV percentage (LTV 75%), which is larger than the first LTV percentage, in a predetermined amount of money (30 million won) And receives a fund raising proposal for the creditors operating each investor mobile device from the subordinate creditor client 160 in a manner that receives the proposal from the investors for the investment amount corresponding to the second LTV percentage (75%) or more Collects the received offer for a predetermined period of time, proposes the collection information to the debtor client 120 to determine the investment fund raising, and the P2P server 130 borrows the secured asset corresponding to the real estate as collateral If the debtor lender is determined to be in the default state, the auction reservation function can be used as a subordinate creditor client (160) to provide a collateral trust for one collateral, and securing and distributing bonds according to the seniority (priority) by designation of the beneficiary.

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The mobile device-based financial fund raising system and method according to the embodiment of the present invention provides an effect of facilitating emergency funds even on the move based on a mobile device.

Also, according to another embodiment of the present invention, a system and method for financing a financial transaction based on a mobile device is a system in which, when an individual or a corporation loans a real estate as a collateral, a method of setting a collateral in a conventional registration system, Apart from this, the debtor can secure the pledge of the creditors online, and determine the dividend ratios according to the disposition of the collateral, thus providing the effect of recruiting funds from the creditors from the creditors.

In addition, according to another embodiment of the present invention, a financial fund raising system and method based on a mobile device may be configured such that a trustee (trust company) issues a 'certificate of interest' to a creditor by designating a plurality of creditors as a beneficiary, And the creditor does not set up a mortgage between the creditor and the cheaper trust to proceed through the cost of the creditor (registration fee) to save the effect is provided.

1 is a diagram illustrating a mobile device based financial fund raising system according to an embodiment of the present invention.
2 is a diagram illustrating a mobile device-based financial fund raising method according to an embodiment of the present invention.
3 and 4 are diagrams illustrating a method of providing a subordinate loan (a description of an investment instrument) between a debtor client 120 and a subordinate creditor client 160 based on the P2P server 130 of the mobile device- And the relationship between the production process and the principal repayment.
FIG. 5 is a flow chart illustrating a process of financing a financial fund through a P2P funding platform between a debtor client 120 and a subordinate creditor client 160 based on the P2P server 130 of the mobile device- FIG.
FIG. 6 is a diagram illustrating a process of the debtor client 120 in the case of the debtor transition and the debtor default process after the financial fund transfer process of FIG.
FIG. 7 is a diagram specifically illustrating a processing method for the issuance process of money financing and the preferred beneficiary certificate in the mobile device-based financial fund raising method of FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a detailed description of preferred embodiments of the present invention will be given with reference to the accompanying drawings. In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In the present specification, when any one element 'transmits' data or signals to another element, the element can transmit the data or signal directly to the other element, and through at least one other element Data or signal can be transmitted to another component.

1 is a diagram illustrating a mobile device based financial fund raising system according to an embodiment of the present invention. Referring to FIG. 1, a mobile funding system based on a mobile device includes a client 110, a debtor client 120, a P2P server 130, a loan condition server 140, a senior credit bank client 150, The subordinate creditor client 160 transmits and receives signals and data via a network.

Here, the network is a communication network that is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next-generation wireless network for providing Internet or high-speed multimedia service. In case of mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the drawings, the mobile communication network may include a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is exemplified, it may be a next generation communication network such as a 3G LTE network or a 4G network, or an IP network based on other IP. The network includes a signaling network between the secured trust company client 110, the debtor client 120, the P2P server 130, the loan condition server 140, the senior credit bank client 150, the subordinate creditor client 160, And transmits the data to each other.

2 is a diagram illustrating a mobile device-based financial fund raising method according to an embodiment of the present invention. Referring to FIG. 2, the debtor client 120 transmits a request for a loan application to the P2P server 130 via the network (S101).

After step S101, the P2P server 130 requests a loan condition (goods) DB inquiry to the loan condition server 140 via the network (S102).

In response to the request of step S102, the loan condition server 140 obtains LTV (loan amount) corresponding to the loan ratio to the collateral value information (the asset price of the real estate collateral such as the house or the land) received from the debtor client 120 (Step S103). The list of senior loan products is extracted through DB matching analysis on the debtor information including the loan to value ratio, the mortgage loan ratio information, and transmitted to the P2P server 130 via the network.

After step S103, the P2P server 130 transmits a senior loan recommendation for making the senior fund loan procurement for the senior credit bank client 150 ranked in the highest priority among the senior loan commodity list to the debtor client 120 (S104).

After step S104, the debtor client 120 transmits a request for a loan application to the P2P server 130 via the network (S105).

After step S105, the P2P server 130 transmits a senior loan examination request to the senior credit bank client 150 for delivery of the loan examination application to the senior credit bank client 150 of the debtor client 120 at step S105. Through the network (S106).

After the step S106, the senior credit bank client 150 performs a senior loan examination based on the debtor information received from the P2P server 130 or the loan condition server 140, and then notifies the loan examination result notification {including the interest rate condition The final key transaction condition information (term sheet)} to the debtor client 120 (S107).

After step S107, the debtor client 120 receives a senior loan response from the input unit for the senior credit bank client 150 (S108).

If the senior loan response is affirmative in step S108, the debtor client 120 requests the senior credit bank client 150 for a senior loan application via the network (S109).

After step S109, the senior credit bank client 150 determines whether to approve the loan (S110).

When the determination in step S110 is completed, the senior credit bank client 150 transmits a security trust establishment request for the real estate corresponding to the security value in step S103 to the debtor client 120 via the network (S111a ).

After the step S111a, the debtor client 120 requests the security trust company client 110 through the network for setting up a security trust (S112).

In accordance with step S111b, the client 110 of the trust trust company notifies the P2P server 130 of the security trust setting through the network upon completion of the security trust setting (S113)

Meanwhile, at the same time as step S111a, the senior credit bank client 150 transmits the credit evaluation / assurance evaluation result notification to the P2P server 130 via the network (S111b), and the P2P server 130 transmits the credit evaluation / Receiving the notification of the credit evaluation / guarantee evaluation result from the senior credit bank client 150 according to the step S113 and the notification of the security trust setting from the client 110 of the secured trust company according to the step S113 It is determined whether or not the loan is finally approved (S114).

If the determination in step S114 is a loan approval, the P2P server 130 transmits a P2P loan review result notification to the debtor client 120 via the network (S115).

Upon receipt of the notification of the senior P2P loan examination result by the step S115, the debtor client 120 waits for the receipt of the decision input message of the debtor on the subordinate P2P loan (S116).

After step S116, the debtor client 120 performs a P2P funding application to the P2P server 130 via the network (S117).

After step S117, the P2P server 130 provides a fund-raising start / investment instruction to the subordinate creditor client 160 over the network (S118). Here, the prospectus is provided by the senior creditor banking client 150 to invest in financial assets at a high interest rate (7 to 12%) rather than a senior loan interest rate (eg, 2.5 to 3.5% Quot; information "

After the step S118, the subordinate creditor client 160 transmits an investment application matching the investment description according to the step S118 to the P2P server 130 via the network (S119a).

At the same time as the step S119a or after the step S119a, the subordinate creditor client 160 transmits a deposit completion message according to a capital call through the financial institution to the P2P server 130 via the network (S119b ).

After step S119b, the P2P server 130 transmits a request for issuing a first beneficiary certificate to the secured trust company client 110 (S120a). In this case, the beneficiary certificate means the right to receive the principal amount of the collateral asset to the subordinate creditor client (160).

The P2P server 130 transmits a payment completion message to the subordinate creditor client 160 via the network in step S119b, before the step S120a, after the step S120a, or after the step S120. (S120a) (S120b).

Meanwhile, at the same time as step S120a or after step S120a, the client 110 of the secured trust company transmits a notice of issuance of a preferred beneficial ownership certificate to the senior credit bank client 150 and the subordinate creditor client respectively (S121 and S122).

In step S131 and step S132, the P2P server 130 determines in step S114 that the loan is finally approved by the P2P server 130. Upon completion of depositing the debtor client 120 through the financial institution, The senior credit bank client 150 notifies the P2P server 130 of the deposit details via the network (S131).

After step S131, the P2P server 130 notifies the debtor client 120 of the deposit details via the network (S132), and the subordinate creditor client 160 by the step S119b before the process of step S132, It is preferable to notify the deposit history information by the creditor client 160 when receiving the deposit completion message according to the capital call through the financial institution to the P2P server 130 by the creditor client 160. [

3 and 4 are diagrams illustrating a method of providing a subordinate loan (a description of an investment instrument) between a debtor client 120 and a subordinate creditor client 160 based on the P2P server 130 of the mobile device- And the relationship between the production process and the principal repayment.

FIG. 5 is a flow chart illustrating a process of financing a financial fund through a P2P funding platform between a debtor client 120 and a subordinate creditor client 160 based on the P2P server 130 of the mobile device- FIG.

FIG. 6 is a diagram illustrating a process of the debtor client 120 in the case of the debtor transition and the debtor default process after the financial fund transfer process of FIG.

FIG. 7 is a diagram specifically illustrating a processing method for the issuance process of the money financing and the preferred beneficiary certificates in the mobile device-based financial fund raising method of FIG.

The mobile device-based financial fund raising system of FIG. 1 performing the process of FIG. 2 will be described in more detail.

The debtor client 120 is a mobile device operated by a lender and is a terminal held by a lender in a blind spot in finance having collateral or income power with collateral assets and a collateral value (Loan-to-value ratio) 70% or more of a mortgage loan rate corresponding to the loan rate of the home loan service provider (hereinafter referred to as "home loan service provider") to the P2P server 130 corresponding to the P2P funding platform server.

The P2P server 130 is a server operated by a mortgage trust platform operator. The P2P server 130 includes a lender who operates the debtor client 120, investors who operate a subordinate creditor client 160 that can constitute an aggregate of investor mobile devices, A senior credit bank client 150, which is a first bank server (commercial bank server) corresponding to the companies, and a non-performing loan (NPL) server (not shown) And receives intermediary fees and royalties.

Herein, the non-performing loan (NPL) investor server invests in NPL (NPL) when the borrower who borrows the financial asset with the collateral asset corresponding to the real estate as the collateral is determined as the default state It is a server operated by a professional investment company that earns profits.

The subordinate creditor client 160 is a mobile device for the investor and is connected to the secured assets between the debtor client 120 by the brokerage of the P2P server 130 and the senior credit bank client 150 which is the first bank server A mobile device operated by a subordinate creditor who accesses the P2P server 130 to invest financial assets at a higher interest rate (7 to 12%) than a senior loan interest rate (for example, 2.5 to 3.5%), ) May purchase the preferred interest certificate, which is the right to receive the principal.

To this end, the senior credit bank client 150 performs a loan with a senior loan interest rate so that the borrower can obtain financing at low cost, and the client 110 of the mortgage trust company, which is an investment company server (credit handling server) Performs subordinated loans to secure loans that have been approved for loans through credit and collateral inspections in the first financial sector, and sells the principal payment receipts to investors who are ordinary people according to the brokerage of the P2P server (130).

In addition, the P2P server 130 receives the information on the real estate collateral from the borrower client 120 for the P2P loan and provides a fund raising proposal for each of the subordinate creditor clients 160 to construct a plurality of creditors To the investor mobile device operated by the creditor who responded to the proposal. That is, the P2P server 130 manages the investor mobile device constituting the subordinate creditor client 160 as well as the individual priorities between the senior creditor bank client 150 and the subordinate creditor client 160 operated by a plurality of creditors By giving individual priorities to creditors who are in the process of issuing bonds, and issuing individual beneficiary certificates in which dividends can be made according to the priorities of the exchange.

Specifically, the P2P server 130 determines a loan condition (interest rate and amount of financial assets to be invested) for constituting a cloud fund for fund raising, and then sets a "non-random amount collective amount type" , A net auction) may send a fund raising proposal to creditors operating an investor mobile device that constitutes a subordinate creditor client 160.

That is, the P2P server 130 determines the total amount of financial assets corresponding to the fund amount and collectively collects by application of each investor mobile device constituting the subordinate creditor client 160 without a seniority. In this case, in the case of the default of the borrower who operates the debtor client 120, the P2P server 130 makes a dividend payment to the investors having the same ranking, and the dividend priority is determined on a first-come-first- Allow creditors to divide according to the amount of credits.

In another embodiment of the present invention, the P2P server 130 may be a "borrower by a ranking selection section" and a broker-proposed type, a net auction) for constituting a cloud fund for fund raising, And transmits the fund raising proposal to the creditors operating the investor mobile device constituting the mobile terminal 160. That is, the P2P server 130 slices the loan amount and sells it to the subordinate creditor client 160 corresponding to the creditors as if the fish corresponding to the total amount of the financial assets corresponding to the fund amount is disassembled and sold by the fragmented part Suggest and sell.

Here, the section slicing will be described in more detail. The P2P server 130 divides a section in advance into a predetermined amount (for example, 20 million won). Here, the P2P server 130 extracts money through data analysis pre-stored in the database (DB) 24, and the amount of money divided according to the repayment of the security value can be performed differently. For example, in real estate mortgages in the downtown area, up to 85% LTV is provided by commercial banks. Therefore, after slicing up to 80%, the fund raising period is finely divided for the remaining 20% And the fundraising is performed by presenting a higher interest rate to the subordinate creditor client 160 as the risk increases.

At this time, the P2P server 130 can determine the interest rate for each slice section in advance in order to perform a bid for receiving the quotation from the investor mobile device. Here, By presenting the analysis information to the debtor client 120, the fundraising condition for fundraising can be presented from the debtor client 120. [ In other words, the P2P server 130 presents a loan amount corresponding to the commodity by the debtor client 120 and performs a method of bidding the interest rate, so that the first option is "immediately purchased" 2.5%, or wait for a predetermined period of time as the second option (F can include fun factors, and send a push message received from the debtor client 120 to the subordinate creditor client 160 in real time You can go ahead and ask for higher prices.) As a third option, you can start with "Dutch auction (starting from a very high price and going from a very high price to a lower price),"

In another embodiment of the present invention, the P2P server 130 constitutes a subordinate creditor client 160 as a "free choice ranking reverse auction offer type (investor proposal type)" for constituting a cloud fund for fund raising Investor Sends a fund raising proposal to creditors operating mobile devices.

Accordingly, each investor mobile device transmits an offer to the debtor client 120 via the P2P server 130 by presenting the investment amount or the interest rate, or both the investment amount and the interest rate. For example, the offer is to lend 2.5 billion to 2.56%, 2.59 to 2.59%, LTV 80% to invest 50 million won, the safest possible I would like to invest 30 million won in the section. "

On the other hand, the P2P server 130 collects information on an offer for a preset time and automatically generates offer information such as an overall interest rate and a sum loan to the borrower client 120 operated by the borrower .

In addition, according to another embodiment of the present invention, the P2P server 130 collects up to a predetermined amount of investment according to preset rules, and the remaining amount of investment is determined based on the above-mentioned " free choice ranking amount reverse auction offer type (investor proposal type) " To the creditors operating the investor mobile device constituting the subordinate creditor client 160 in a manner of collecting the fund raising proposal.

As a specific example, the P2P server 130 recruits investors to invest at a rate of up to 60% of LTV, and invests at a price of up to 75% of LTV at a predetermined amount of money (for example, 30 million won) And receives a fund raising proposal for the creditors operating the respective investor mobile devices from the subordinate creditor client 160 in such a manner as to receive the proposal from the investors for the investment amount corresponding to 75% or more Lt; / RTI > Accordingly, the P2P server 130 receives an offer of "lending 30% of the portion of 75% or more to 28%" and continues collecting the offer "I will lend 5 million won to 30% And suggests the collected information to the debtor client 120 to determine the investment fund recruitment.

Meanwhile, the P2P server 130 provides the auction reservation function to the subordinate creditor client 160 when it is determined that the borrower borrowing the financial asset as the collateral asset corresponding to the real estate is in the default state can do. As a result, creditors may prefer to participate in the auction by a post-ranking creditor, and obtain his or her bond repayment amount by winning the bid.

A real estate mortgage loan system using a mortgage trust with such a structure can secure bonds and allocate dividends based on seniority, priority by designating a beneficiary, by executing a mortgage trust on a mortgage have. That is, if the existing priorities and subordinates are two levels, the present invention sets priority levels to four levels, six levels, and ten levels.

In addition, investors who are lenders can invest in investment opportunities with a higher ranking, and can generate much higher interest income than deposits in banks. have.

In addition, the post-ranking creditors can participate in the auction first and secure their bond repayments by winning the bid. For example, a person who is interested in a 30-pyeong apartment in the XX East can invest in subordinate loans to earn high-interest interest, or when the loan defaults It provides the effect of winning the auction for the apartment.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device and the like, and also implemented in the form of a carrier wave (for example, transmission over the Internet) .

The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

As described above, preferred embodiments of the present invention have been disclosed in the present specification and drawings, and although specific terms have been used, they have been used only in a general sense to easily describe the technical contents of the present invention and to facilitate understanding of the invention , And are not intended to limit the scope of the present invention. It is to be understood by those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

110: Mortgage Trust Company Client
120: Debtor client
130: P2P server
140: Loan condition server
150: Senior bond bank client
160: Subordinate creditor client

Claims (7)

A first step in which the debtor client 120 transmits a loan application request to the P2P server 130 via the network; A second step of the P2P server 130 requesting a loan condition (goods) DB inquiry to the loan condition server 140 via the network; The loan condition server 140 calculates a loan to value ratio (LTV) corresponding to the loan value ratio against the collateral value information received from the debtor client 120 and the collateral value (the asset price of the real estate collateral such as the house or the land) A third step of extracting a senior loan product list through DB matching analysis on the debtor information including the information on the borrower information and transmitting it to the P2P server 130 through the network; The P2P server 130 sends a senior loan recommendation to the debtor client 120 via the network so that the P2P server 130 makes the senior fund loan procurement for the senior credit bank client 150 ranked in the highest priority among the senior loan commodity list Step 4; A fifth step in which the debtor client 120 transmits a request for a loan application to the P2P server 130 through a network; A sixth step in which the P2P server 130 transmits a senior loan examination request to the senior credit bank client 150 for transmission of a loan examination application to the senior credit bank client 150 of the debtor client 120 through a network; After the senior credit bank client 150 performs the senior loan examination according to the debtor information received from the P2P server 130 or the loan condition server 140, the senior credit bank client 150 transmits the loan examination result notification {the final major transaction condition information including the interest rate condition term sheet} to the debtor client 120; An eighth step of the debtor client (120) receiving a senior loan response to the senior credit bank client (150) from the input unit; A step 9 in which the debtor client 120 requests the senior credit bank client 150 for a senior loan application via the network when the senior loan response is affirmative; A tenth step in which the senior credit bank client 150 determines whether to approve the loan; When the decision of the tenth step is completed, the senior credit bank client 150 transmits a security trust establishment request for the real estate corresponding to the security value in the third step to the debtor client 120 via the network step; A step 12 in which the debtor client 120 performs a security trust establishment application to the secured trust company client 110 via the network; A step 13 of the collateral trust company client 110 notifying the P2P server 130 of the collateral trust establishment through the network when the collateral trust establishment is completed; / RTI >
At the same time as the eleventh step, the senior credit bank client 150 further performs step 11a of transmitting the credit evaluation / assurance evaluation result notification to the P2P server 130 via the network. The 'receipt of the credit evaluation / assurance evaluation result notification' from the senior credit bank client 150 according to step 11a and the 'security guarantee setting notification' from the secured trust company client 110 according to step 13 (14) determining whether or not to finally approve the loan on the condition that the reception is necessary; The method comprising the steps of: (a) if the determination in the step 14 is a loan approval, the P2P server 130 transmits a P2P loan review result notification to the debtor client 120 via a network; A step 16 of waiting for the debtor client 120 to receive a decision input message of the debtor on whether or not the borrower client 120 lends to the subordinate P2P loan according to the notification of the senior P2P loan examination result by the step 15; 17) In case of receiving the decision input message, the debtor client 120 performs the P2P funding application to the P2P server 130 via the network; 18 is a flowchart illustrating a method for providing a fund-raising start-up / investing manual to a subordinate creditor client 160 through a network; The subordinate creditor client 160 transmits an investment application matching the investment statement according to the step 18 to the P2P server 130 through the network at the same time as the step 19 or after the step 19, (B) transmitting the deposit completion message according to the capital call through the financial institution to the P2P server 130 through the network; 20) The P2P server 130 transmits a request for issuing a preferred beneficial owner certificate to the secured trust company client 110; 20a is a step S20a of performing a deposit notification indicating that the P2P server 130 proceeds to the 20th step according to reception of another payment completion message to the subordinate creditor client 160 via the network at step S119b; And 21) the security trust client client 110 transmits the priority monetary policy issuance notification to the senior credit bank client 150 and the subordinate creditor client respectively. The method of claim 1, further comprising the steps of:
A mobile device operated by a lender that is held by a lender placed in a blind spot in a financial area with collateral assets or income, with collateral assets, and the ratio of collateral value (asset price of real estate collateral such as home or land) A debtor client 120 for requesting a P2P server 130 corresponding to a P2P funding platform server for a mortgage loan of a predetermined ratio or more with respect to a corresponding LTV (loan to value ratio);
If a borrower who borrows financial assets as a collateral asset for real estate is determined to be in default condition, NPL (Non Performing), a server run by a specialized investment company that makes a profit by investing in NPL, Investment server;
A server operated by a mortgage trust platform operator is provided with a loaner operating a debtor client 120, investors operating a subordinate creditor client 160 configurable as an aggregate of investor mobile devices, (Not shown) corresponding to the second financial region, and receives a brokerage fee and a fee from the brokerage server 130 );
A senior loan interest rate (2.5 to 10%) for the secured assets between the debtor client 120 by intermediation of the P2P server 130 and the senior credit bank client 150, which is the first bank server (commercial bank server) (10%) to the P2P server (130) to invest in financial assets at a higher interest rate (3.5% to 3.5%) than the high interest rate A subordinate creditor client 160 who buys;
A senior creditor bank client 150 that lends at a senior loan interest rate so that the lender can afford to be financed; And
An investment company server that executes a subordinated loan for a secure loan that has been approved for a loan through a credit and collateral examination in the first financial sector and sells the interest payment right to investors corresponding to the public according to the brokerage of the P2P server 130 A mortgage trust company client 110 that is a credit handling company server; / RTI >
P2P server 130,
After receiving the information on the real estate collateral from the borrower client 120 for the P2P loan, the creditor who has submitted the proposal through the fund raising proposal for each of the subordinate creditor clients 160 to construct a plurality of creditors is operated The investor mobile device transmits the interest payment issuance information corresponding to the individual beneficiary certificate and not only the individual priority between the senior credit bank client 150 and the subordinated creditor client 160 operated by a plurality of creditors but also the subordinate creditor 150 Issuing an individual beneficiary certificate in which a dividend according to the priority of the exchange can be made by granting individual priorities to creditors operating the investor mobile device constituting the client 160,
P2P server 130,
When offering fund raising as a first type,
After setting the lending conditions for the formation of the fund for raising funds (interest rate and amount of invested financial assets), the subordinate creditor clients ( 160, a fund raising proposal for creditors operating the investor mobile device is transmitted, a total amount of financial assets corresponding to the fund amount is determined, and each investor who constitutes the subordinate creditor client 160 without a seniority In the case of a collective offer by a mobile device application, when a default of the borrower operating the borrower client 120 occurs, the borrower pays the same amount of money to the investors in the same ranking order. To allow creditors to share the amount of credits,
The P2P server 130,
In the second type of fund raising proposal, a subordinate creditor client 160 is called a "subordinate offer type" (a borrower and a broker offer type, a net auction) for constituting a cloud fund for fund raising In the case of sending the fund raising proposal to the creditors operating the investor mobile device, the slice amount is sliced and offered to the subordinate creditor client 160 corresponding to the creditors and sold in advance The amount of money is extracted by analyzing the data stored in the database (DB, 24) in advance according to the slice section division. The amount divided according to the repayment value of the collateral value is different and the LTV percentage (85% ) Are offered by commercial banks, so a lower percentage (80%) than the preset LTV percentage (85%) The fund raising period is divided for the remaining loan amount corresponding to the remaining percentage (20%) corresponding to the value obtained by subtracting the predetermined LTV percentage (85%) from 100%, and as the risk increases The fundraising is performed by presenting a higher interest rate to the subordinate creditor client 160,
The P2P server 130,
To determine the interest rate for each slice section for the third type fund raising proposal, the bid price is determined for each slice section in order to perform a bid for receiving the quotation from the investor mobile device, The analysis information is presented to the debtor client 120, the fund raising condition for fund raising is presented from the debtor client 120, the loan amount corresponding to the commodity is presented by the debtor client 120, and the interest rate is bidded ), So as to make a winning bid if the interest rate (2.5%) preset for the first section is "instant purchase" as the first option, or to stand in line until the predetermined period as the second option And sends a push message received from the debtor client 120 to the subordinate creditor client 160 in real time Books that you can ask your go higher), can be attached to the bid (bidding) 3 options in the "Dutch auction (Descending price auction, very high, starting from the price gradually goes way) lower," as a senior loan from breaking times,
P2P server 130,
When a fund raising proposal is made as a fourth type, an investor mobile device constituting a subordinate creditor client 160 is operated as a "free choice ranking amount reverse auction offer type (investor proposal type)" for constituting a cloud fund for fund raising And transmits an offer to the debtor client 120 via the P2P server 130 by receiving at least one of the investment amount and the interest rate by each investor mobile device And collects information on an offer for a predetermined period of time and automatically generates and provides offer information such as an overall interest rate and a sum loan to the borrower client 120 operated by the borrower,
P2P server 130,
For the fund raising proposal of the fifth type, a predetermined amount of investment is recruited according to preset rules, and the remaining investment amount is recruited as "free choice ranking amount reverse auction type proposal type (investor proposal type)". Subordinate creditor When a fund raising proposal is sent to creditors operating the investor mobile device constituting the client 160, an investor who invests at a time for the investment amount corresponding to the first LTV percentage (LTV 60%) is recruited, The investment amount corresponding to the second LTV percentage (LTV 75%), which is larger than the first LTV percentage, is recruited by the slicing method with a preset amount of money (30 million won) and corresponds to the second LTV percentage The amount of investment made by each investor mobile device in the manner of receiving suggestions from investors And a funds ray then collects the received Offer receives the ranging offer from subordinated creditor client 160 is pre-set period of time, to offer the information collected by the debtor client 120 confirmed the investment recruitment,
The P2P server 130,
If the borrower who has borrowed the financial asset as collateral for the real estate property is determined to be in a default state, the auction reservation function is provided to the subordinate creditor client 160 so that the collateral trust And allocates and distributes the bonds according to a priority of seniority by assigning a beneficiary to the financial device.
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CN110874795A (en) * 2018-08-31 2020-03-10 许家烨 Real estate commodity related financial system and management method thereof
US11023967B1 (en) * 2019-11-12 2021-06-01 Capital One Services, Llc Guidance engine: an automated system and method for providing financial guidance
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