KR101796053B1 - Method and apparatus for managing fund based on community - Google Patents

Abstract

The present invention relates to a method and an apparatus for utilizing a community-based fund. The method for utilizing a community-based fund according to an embodiment of the present invention comprises the steps of: receiving an expected loan amount and personal information from a loan applicant; identifying whether the loan applicant joins in a community and acquaintance pool of the loan applicant within the community; receiving school register information corresponding to personal information from a university school register server; determining a loan amount and an interest rate based on the received school register information; providing members of the community with some or all of the personal information, school register information, the loan amount and the interest rate; receiving an investment money corresponding to the loan amount from at least one of the members; and receiving a method for repaying the invested money from the loan applicant. Accordingly, an investor can be provided with a variety of loan applicant information having more reliability, thereby inducing safe investment into a loan applicant and invigorating a loaning process of making the loan applicant repay the loan to another loan applicant.

Description

[0001] METHOD AND APPARATUS FOR MANAGING FUND BASED ON COMMUNITY [0002]

The present invention relates to a method and apparatus for utilizing a community-based fund. More specifically, the present invention provides information of a lender to an investor through a community, generates a fund corresponding to a loan amount determined based on the provided information from a plurality of investors, The borrower relates to a method and apparatus for utilizing a circulating fund to invest in another borrower in the repayment of the loan amount.

In contrast to the past, where various loan documents have been prepared and submitted to banks or lenders and have been lent through complicated procedures for evaluating individual's credit, lenders have recently accepted loans to banks or lenders via the Internet or telephone, Loans are being activated to reduce the burden on borrowers, such as reviewing documents to prove individual credit before proceeding with the loan before evaluating the credit. However, in the case of a borrower lacking economic capability, the borrower is having difficulty in borrowing because it is difficult to recognize the future economic ability as objective information included in the documents submitted by the borrower, despite the possibility of future development.

In particular, recently, P2P loans that can easily receive loans have come to the fore, and various loan methods have been introduced. However, since P2P loans do not require sufficient documentation to prove the credit of the borrower, there is a risk of the borrower's credit risk.

However, in the case of a community-based loan, there is a characteristic that the risk of a credit accident is low without reviewing the loan documents because the human network between the loaner and the acquaintance is strong, and the loan can be proceeded easily unlike the conventional loan process. In addition, through the acquaintances included in the human network of the borrower through the community, the borrower can grasp the development possibility and the sincerity of the borrower, so that the borrower who does not have the economic ability can secure the loan more safely.

Therefore, it is required to develop a lending process that can promptly and safely make lending decisions by judging the credit rating of the lender based on the community without the document proving the credit.

[Related Technical Literature]

A method of brokering a loan using a network (Patent Laid-Open No. 2001-0097695)

A problem to be solved by the present invention is to determine the lendable amount and the interest rate based on the lender's personal information and the rational information, receive the lender's evaluation from the user of the community, confirm the lender's acquaintance pool, The present invention provides a method and apparatus for utilizing a community-based fund to provide safe and reliable investment based on the characteristics of members in a community with only personal information by providing information on a lender to a wide variety of investors.

Another problem to be solved by the present invention is to provide a method and apparatus for utilizing a community-based fund that can activate an investment in a lender by repaying a loan amount in such a manner that a lender invests in a loan amount received from an investor to another lender .

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

In order to solve the above-described problems, a method of utilizing a community-based fund according to an embodiment of the present invention includes a step of receiving a desired loan amount and personal information of a borrower from a borrower, a step of checking whether a borrower has joined a community, Determining the loan amount and interest rate based on the received scholarly information, determining the amount of the loan amount and the interest rate to the user of the community, Receiving the investment amount corresponding to the loan amount from at least one of the users, and receiving the method of repayment of the investment amount from the borrower.

According to another aspect of the present invention, the step of receiving personal information may include receiving at least one of a name of a lender, a student number, a department, a course, a credit, a learner's self-introduction document, and a study plan.

According to another aspect of the present invention, a community-based fund utilization method includes receiving an evaluation of a lender from a user of a community, calculating guarantee data for a lender based on evaluation and acquaintance pool, And a second step of providing the second step.

According to another aspect of the present invention, the step of receiving the scholarly information may be a step of receiving at least one of the student number, department, course, credit, scholarship receipt record, school attendance certificate and graduation certificate.

According to another aspect of the present invention, the step of receiving the repayment method may be a step of receiving a method of repaying the investment amount to the investor or a method of investing in another lender.

According to an aspect of the present invention, there is provided a community-based funding method comprising: receiving a desired loan amount and personal information of a borrower from a borrower; Receiving information corresponding to personal information from the university server, providing a part or all of the personal information and theological information to the user of the community, receiving information of the personal information or the information from at least one investor among the users Receiving a loan amount and an interest rate determined based on at least one of the plurality of investors, receiving an investment amount corresponding to the loan amount from at least one investor, and receiving a repayment method for the investment amount from the borrower.

According to another aspect of the present invention, the method may further include receiving an evaluation for a borrower from a user of the community, calculating guarantee data for the borrower based on the evaluation, and providing the guarantee data to the user.

According to still another aspect of the present invention, the method may further include the step of re-receiving the redetermined investment amount and the interest rate based on the guarantee data from the investor.

In order to solve the above-mentioned problems, a community-based fund utilizing device according to an embodiment of the present invention includes a communication unit for receiving a desired loan amount and personal information of a borrower, a communication unit for collecting information about a borrower's community, Wherein the communication unit receives the scholarly information corresponding to the personal information from the university server and the processor determines the loan amount and the interest rate based on the received scholarly information, And receives the amount of investment corresponding to the amount of the loan from at least one of the users and receives the method of repayment of the amount of investment from the lender.

In order to solve the above-described problems, the community-based fund utilizing device according to an embodiment of the present invention includes a communication unit for receiving a desired loan amount and information about a loaner from a borrower, Wherein the communication unit receives the scholarly information corresponding to the personal information from the university server and provides a part or all of the personal information and the scholarly information to the user of the community, Information and / or clinical information, and receives the reimbursement method for the amount of investment from the lender.

The details of other embodiments are included in the detailed description and drawings.

An object of the present invention is to provide a system and method for determining loanable amount and interest rate on the basis of personal information and financial information of a borrower, receiving an evaluation of a borrower from a user of a community, confirming a pool of borrowers, It is possible to provide a method and apparatus for utilizing a community-based fund for providing safe investment based on the characteristic of being a member in the community by providing only a simple information to the investor.

The object of the present invention is to provide a method and apparatus for utilizing a community-based fund that can activate an investment on a lender by repaying a loan amount in such a manner that the lender invests the loan amount received from the investor in another lender .

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the specification.

FIG. 1 is a schematic diagram for explaining a configuration of a community-based lending system according to an embodiment of the present invention.
FIGS. 2A and 2B are block diagrams showing a schematic configuration of a community loan server, a lender terminal, and an investor terminal according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a procedure for providing a loan amount and an interest rate determined based on the lender's financial information to an investor according to a community-based lending method according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a procedure for determining a loan amount and an interest rate based on at least one of personal information or financial information of a borrower provided by an investor in accordance with a community-based loan method according to an embodiment of the present invention.
FIG. 5 is a schematic view illustrating a screen in which a lender applies for a loan through a community loan platform according to an embodiment of the present invention.
FIG. 6 is a schematic view illustrating a screen for an investor to receive information of a borrower through a community loan platform and to approve the borrower according to an embodiment of the present invention.

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

The shapes, sizes, ratios, angles, numbers, and the like disclosed in the drawings for describing the embodiments of the present invention are illustrative, and thus the present invention is not limited thereto. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Where the terms 'comprises', 'having', 'done', and the like are used herein, other parts may be added as long as '~ only' is not used. Unless the context clearly dictates otherwise, including the plural unless the context clearly dictates otherwise.

In interpreting the constituent elements, it is construed to include the error range even if there is no separate description.

Although the first, second, etc. are used to describe various components, these components are not limited by these terms. These terms are used only to distinguish one component from another. Therefore, the first component mentioned below may be the second component within the technical spirit of the present invention.

Like reference numerals refer to like elements throughout the specification unless otherwise specified.

It is to be understood that each of the features of the various embodiments of the present invention may be combined or combined with each other partially or entirely and technically various interlocking and driving is possible as will be appreciated by those skilled in the art, It may be possible to cooperate with each other in association.

FIG. 1 is a schematic diagram for explaining a configuration of a community-based lending system according to an embodiment of the present invention.

Referring to FIG. 1, the community loan system 1000 can be configured such that at least one investor confirms the loan amount and the interest rate determined based on the lender's scholarship information according to the loan application of the lender through the community loan platform, . Here, a community loan platform is a website-based platform that provides a loan process in the community.

The community loan system 1000 includes a community loan server 100, a lender terminal 200, an investor terminal 300, and a university server 400.

The community loan server 100 provides a community loan platform. Specifically, the community loan server 100 provides a community loan platform to the loaner terminal 200 and the investor terminal 300, thereby receiving information required for the loan from the loaner terminal 200 and the university server 400, Depending on the loan amount and the interest rate of the borrower, at least one investor shall make an investment amount corresponding to the loan amount. Accordingly, the community loan server 100 provides the loan money received from the investor terminal 300 to the loaner terminal 200 and receives a loan repayment method from the loaner terminal 200, Process. Here, the community loan server 100 communicates with the loaner terminal 200 and the investor terminal 300 so that the loaner terminal 200 and the investor terminal 300 can perform the loan process through the community loan platform. For example, as shown in FIG. 1, the community loan server 100 may exist in the same network as the loaner terminal 200 and the investor terminal 300, or may be connected by communication. At this time, the community loan server 100 may be implemented in the form of a server, for example, a co-location server, a cloud server, and the like, but is not limited thereto. For convenience of explanation, the community loan server 100 is shown to lend to college students or university graduates, but the present invention is not limited to this, and the public loan service may be provided to the general public. Accordingly, the community loan server 100 may be a community loan server formed of a community of a community and an SNS. The concrete configuration and function of the community loan server 100 will be described later in detail with reference to FIG. 2A and FIG.

The loaner terminal 200 is a terminal for applying for a loan to receive a loan from an investor. Specifically, the loaner terminal 200 provides the desired loan amount and the personal information of the borrower, which are basic information necessary for receiving a loan from the investor through the community loan server 100. [ Further, the loaner terminal 200 selects a method of repaying the amount invested by the investor and transmits the selected method to the community loan server 100. The concrete configuration and function of the loaner terminal 200 will be described later in detail with reference to FIG. 2B and FIG.

The investor terminal 300 is a terminal that receives information necessary for investing the investment amount corresponding to the loan amount. Specifically, the investor terminal 300 receives the loan amount and the interest rate determined based on the personal information of the borrower and the financial information of the borrower from the community loan server 100. Then, the investor terminal 300 transmits the investment amount corresponding to the loan amount to the community loan server 100. The concrete configuration and function of the investor terminal 300 will be described later in detail with reference to FIG. 2B and FIG.

The lender terminal 200 and the investor terminal 300 may be various electronic devices. For example, the loaner terminal 200 may be, but is not limited to, a desktop, laptop, tablet PC, smart phone, and the like. 1, there is one loaner terminal 200 and a plurality of investor terminals 300 for convenience of explanation. However, the present invention is not limited thereto, and one borrower terminal 200 and one investor terminal 300 may be used. Can communicate with the community loan server (100).

The university research server 400 is a server for managing the learner's academic information. Specifically, the university server 400 manages the lender's student number, department, course, credit, scholarship receipt record, attendance certificate, and graduation certificate. Accordingly, the university server 400 provides the lender's scholarship information to the community loan server 100. At this time, the university server 400 may be a co-location server, a cloud server, or the like, but is not limited thereto.

Accordingly, the community loan system 1000 includes the community loan server 100, the loaner terminal 200, the investor terminal 300, and the university server 400 to calculate the loan amount determined based on the borrower's scholarly information By providing a corresponding investment amount to a plurality of investors, it provides a lending process with less risk of repayment of the investor.

Hereinafter, the community loan server 100 and the community loan server 100 will refer to FIGS. 2A and 2B together for a more detailed description of a community-based fund utilization method.

FIGS. 2A and 2B are block diagrams showing a schematic configuration of a community loan server, a lender terminal, and an investor terminal according to an embodiment of the present invention. Will be described with reference to Fig. 1 for convenience of explanation.

Referring to FIG. 2A, the community loan server 100 includes a communication unit 110, a processor 120, and a storage unit 130.

The communication unit 110 of the community loan server 100 receives the desired loan amount and the personal information of the borrower from the loaner terminal 200. Here, the desired loan amount is input to the loaner terminal 200 as an amount that the borrower desires to receive the loan and is received. Also, the lender's personal information includes at least one of the name of the lender, the student number, the department, the course, the credit, the lender's self-introduction letter, and the study plan. Also, the communication unit 110 receives the scholarly information corresponding to the personal information from the university research server 400. Here, the academic information is information about the student who is necessary for the management of the student in the school, and includes at least one of the student's student number, department, course, credit, scholarship receipt record, school attendance certificate and graduation certificate. Also, the communication unit 110 provides the investor terminal 300 with the loan amount and the interest rate determined based on the learner's scholarly information and the scholarly information to the user of the community. Then, the communication unit 110 receives the investment amount corresponding to the loan amount from the investor terminal 300. Specifically, the communication unit 110 receives the investment amount from each of the plurality of investor terminals 300. At this time, the investment amount received from each of the plurality of investor terminals 300 is the same as the loan amount. Upon receiving the investment amount, the communication unit 110 receives a method of repayment of the investment amount from the loaner terminal 200. Here, the repayment method means the method of repaying the investment amount to the investor or investing in another lender.

The processor 120 of the community loan server 100 confirms whether the lender is joining the community and the pool of the lenders in the community. Here, the pool of acquaintances of the borrower means a list of acquaintances in which the borrower has a direct AC relationship in the community. Identification of the acquaintance pool by the processor 120 is a simple procedure of personal guarantee. In addition, the processor 120 determines the loan amount and the interest rate based on the learner's scholarly information. At this time, the processor 120 may convert the lender's scholarship information into a score, and determine the loan amount and the interest rate of the lender by referring to the loan amount and the interest rate that are predetermined based on the score.

The storage unit 130 of the community loan server 100 stores the desired loan amount received by the communication unit 110, the personal information of the borrower, the scholarly information, and the investment amount. Also, the storage unit 130 stores all the data calculated by the processor 120, such as the loan amount and the interest rate.

Referring to FIG. 2B, the lender terminal 200 includes an input unit 210, a communication unit 220, a display unit 230, and a processor 240.

The input unit 210 of the loaner terminal 200 receives the desired loan amount and personal information of the borrower. Personal information may include a study plan and self-introduction. Through the contents of the academic plan and the self-introduction letter, the lender can determine a better loan amount and interest rate than when only objective information such as credit points and scholarship receipt records are input. The communication unit 220 transmits the desired loan amount and personal information received from the input unit 210 to the community loan server 100. Also, the communication unit 220 receives the loan amount and the interest rate determined by the community loan server 100. The display unit 230 displays the community loan platform provided through the community loan server 100. The processor 240 performs a series of processes for driving the input unit 210, the communication unit 220, and the display unit 230.

2B, the investor terminal 300 includes an input unit 310, a communication unit 320, a display unit 330, and a processor 340.

The input unit 310 of the investor terminal 300 receives an amount of investment, which is an amount to be loaned to the lender according to the loan amount and the interest rate determined from the community loan server 100. In this case, the communication unit 320 receives the loan amount and the interest rate determined from the community loan server 100 before receiving the investment amount from the input unit 310. In addition, the communication unit 320 transmits the determined investment amount to the community loan server 100. The display unit 330 displays the community loan platform provided through the community loan server 100. The processor 340 performs a series of processes for driving the input unit 310, the communication unit 320, and the display unit 330.

Hereinafter, FIG. 3 will be referred to for a more detailed description of the method of utilizing the community-based fund in the community loan server 100. FIG.

3 is a flowchart illustrating a lending process between a lender and an investor in a community according to a community-based lending method according to an embodiment of the present invention. For convenience of explanation, it will be described with reference to the constituent elements and reference numerals of Figs. 1 and 2A.

The communication unit 110 of the community loan server 100 receives the desired loan amount and the personal information of the borrower from the borrower (S310).

Specifically, the communication unit 110 stores the desired loan amount, which is the amount of money the borrower inputted from the loaner terminal 200 wants to borrow, and the name of the borrower, the student number, the department, the course, the credit, At least one is received. The desired loan amount received by the communication unit 110 and the personal information of the borrower are used as a reference in the determination of the loan amount and the interest rate of the borrower.

Then, the processor 120 confirms whether the borrower joins the community and the pool of the borrower in the community (S320).

Specifically, the processor 120 confirms whether or not the community provided by the lender's community lending platform has joined. For example, the processor 120 can check whether the borrower's subscription record exists on the community loan platform based on the lender's personal information received from the communication unit 110. In addition, the processor 120 identifies a list of alleged relationships by the borrower within the community. At this time, the pool of the lenders confirmed by the processor 120 can be used in calculating the guarantee data for the lender. The description of the specific guarantee data will be described later in step S350 and thereafter.

Then, the communication unit 110 receives the scholarly information corresponding to the personal information from the university server 400 (S330).

Specifically, the communication unit 110 receives at least one of the student number, department, course, credit, scholarship receipt record, attendance certificate, and graduation certificate from the university server 400 that manages the learner's academic information. At this time, the communication unit 110 receives the scholarly information corresponding to the personal information of the lender received from the lender terminal 200. [ For example, the communication unit 110 receives the name of the lender and identification information of the student number received from the lender terminal 200.

Subsequently, the processor 120 determines a loan amount and an interest rate based on the received scholarly information (S340).

For example, the processor 120 may determine the loan amount and the interest rate based on the credit received from the university server 400 and the scholarship receipt record. Specifically, the processor 120 may convert the received credit and scholarship receipt records into points. For example, the processor 120 may convert a credit score to a score based on criteria such as a credit score of 4.3 to 100, a credit score of 4.3 or less to 4.0 or more, a credit score of 90 to 90, a credit score of 3.5 or less to 3.3 or more, In addition, the processor 120 records the scholarship receipt according to criteria such as a score of 5 or more, 100, 4, 90, 3, 80, 2, 70, 60, It can be converted into a score. Subsequently, the processor 120 calculates the average score of the credit points converted and the scholarship receipt record. The average score calculated is the basis for determining the lender's loan amount and interest rate. For example, if the calculated average score is 100 points, the processor 120 can determine the loan amount to be 10 million Yuan and the interest rate to 0.5% according to a predetermined standard. If the calculated average score is 90 points, the processor 120 may determine the loan amount to be 9 million Yuan and the interest rate to be 0.7% according to a predetermined standard.

Then, the communication unit 110 provides the user of the community with some or all of the personal information, the scholarly information, the loan amount, and the interest rate (S350).

That is, the communication unit 110 may provide the user of the community with some or all of the loan amount and the interest rate determined based on the lender's personal information, the scholarly information, and the scholarly information so that the user of the community can decide whether to invest in the loan amount .

Further, in another embodiment, the communication unit 110 provides the guarantee data to the users of the community, so that the users of the community can make an investment in the loan amount. Here, the guarantee data is data calculated to ensure that the lender can faithfully repay the loan amount. In order to provide assurance data to the community user, the processor 120 receives an evaluation of the lender from the user of the community. At this time, the evaluation of the lender can be a score on how well the lender is faithful to academic and external activities, good interpersonal relationships within the school, and how much trust is gained from professors and other students within the school. Subsequently, the processor 120 calculates guarantee data for the borrower based on the received evaluation and acquaintance pool. At this time, the processor 120 may calculate the warranty data as a score. For example, if the loaner's acquaintance pool includes the school motive of the borrower, seniority, and juniors, and if the borrower has high credit, the processor 120 calculates the high-grade guarantee data. The processor 120 analyzes the words included in the text using a natural language processing algorithm when the evaluation of the lenders is made from the user of the community to the text and gives a score in proportion to the number of words of the positive expression Data is calculated. The communication unit 110 then provides the guarantee data calculated by the processor 120 to the users of the community so that the user of the community can decide whether to invest in the loan amount. That is, the subjective evaluation of the borrower can be reflected through the personal information of the borrower, and such subjective evaluation can be scored based on a specific algorithm such as the credit of the acquaintance, the school of the acquaintance of the acquaintance, and a natural language processing algorithm.

For example, a user of a community can refer to a borrower 's self - introduction letter and a study plan to calculate the score based on the evaluation of the lender' s pool and lender. For example, a user of a community can score a score higher than the calculated score if the borrower's self-introduction and study plan received from the communication unit 110 confirm the lender's developmental potential and sincerity. In other words, the user of the community can recalculate the score calculated by the lender's acquaintance pool and the higher score to provide the lender with a higher loan amount and a lower interest rate. In some cases, if the guarantee data is not provided to the borrower, the user of the community may evaluate the borrower's availability of borrowing based on the borrower's self-introduction letter and the study plan, and then calculate the scored guarantee data.

Then, the communication unit 110 receives the investment amount corresponding to the loan amount from at least one of the users (S360).

For example, if the investment amount is determined to be 10 million won, the communication unit 110 can receive 10 million won from at least one of the users. That is, the communication unit 110 may receive 10 million won from one of the users, or receive 2 million won each from 5 users. At this time, the user of the community that transmitted the investment amount becomes the investor.

Subsequently, the communication unit 110 receives a method of repayment of the investment amount from the lender (S370).

Here, the method of repayment of the investment amount is a method of repaying the investment amount to the investor or a method of investing in another lender. The method of repaying the amount of the investment to the investor means the method in which the lender repays the same amount to the investor as the amount received from the investor. In addition, the method of investing in another lender is a relay-type investment method that invests in another loaner without repaying the same amount as the amount received from the investor to the investor. In other words, the way to invest in another lender is to continue investing in another lender. At this time, another borrower can be one person or several people. The method of investing in another lender is to make the initial investor pay back the investment late, but it can activate the lender and the investor can take advantage of the interest rate by the amount invested in another lender.

Accordingly, the community loan server 100 provides the investor with objective information such as the loaner's moral information and the guarantee data to induce the safe investment to the lender and activate the way in which the lender invests in another lender Many borrowers are allowed to borrow.

FIG. 4 is a flowchart illustrating a procedure for determining a loan amount and an interest rate based on at least one of personal information or financial information of a borrower provided by an investor in accordance with a community-based loan method according to an embodiment of the present invention. Will be described with reference to Figs. 1, 2A, and 3 for convenience of explanation.

The communication unit 110 receives the desired loan amount and the personal information of the borrower from the borrower (S410). The step of receiving the specific desired loan amount and the personal information of the borrower is the same as the step described with reference to FIG. 3, so that the explanation is omitted.

Subsequently, the processor 120 confirms whether the borrower joins the community and the pool in the community (S420). The steps of confirming the specific lender's participation in the community and the pool of the acquaintances in the community are the same as those described with reference to Fig. 3, and thus the description thereof will be omitted.

Then, the communication unit 110 receives the scholarly information corresponding to the personal information from the university server 400 (S430). The steps of receiving the log information corresponding to the specific personal information are the same as the steps described with reference to FIG. 3, so that the description is omitted.

Then, the communication unit 110 provides the user of the community with some or all of the personal information and the scientific information (S440).

Specifically, the communication unit 110 notifies the user of the community of the name of the lender, the student number, department, course, credit, self introduction letter, study plan, scholarship receipt record, attendance certificate, and graduation certificate received from the lender terminal 200 Provide some or all. Some or all of the personal information and the financial information of the lender provided to the user of the community is based on the determination of the loan amount and the interest rate of the lender.

Then, the communication unit 110 receives the loan amount and the interest rate determined based on at least one of the personal information or the clinical information from at least one investor of the users (S450).

That is, the communication unit 110 receives the loan amount and the interest rate input to the investor terminal 300. At this time, the investor determines the loan amount and the interest rate based on at least one of the personal information and the scholarly information, and inputs it to the loaner terminal 300. For example, the investor can determine the loan amount and the interest rate according to the course according to the level of the school where the borrower comes from, and input it to the loaner terminal 300.

Then, the communication unit 110 receives an investment amount corresponding to the loan amount from at least one investor (S460). The step of receiving the investment amount corresponding to the specific loan amount is the same as the step described with reference to FIG. 3, so that the explanation is omitted.

Further, in another embodiment, the communication unit 110 provides the guarantee data to the users of the community, so that the users of the community can make an investment in the loan amount. The steps of providing the specific guarantee data are the same as those described with reference to FIG. 3, so that the description is omitted. Therefore, the communication unit 110 may re-receive the investment amount and the interest rate re-determined on the basis of the guarantee data from the investor.

Subsequently, the communication unit 110 receives the reimbursement method for the investment amount from the lender (S470). The step of receiving the reimbursement method for the specific amount of investment is the same as the step described with reference to FIG. 3, so the explanation is omitted.

Accordingly, the community loan server 100 can provide the lender's personal information and the scholarly information to the user so that the lender can determine the loan amount and the interest rate, thereby allowing the investor to autonomously invest the desired amount.

FIG. 5 is a schematic view illustrating a screen in which a lender applies for a loan through a community loan platform according to an embodiment of the present invention. For convenience of explanation, it will be explained with reference to the constituent elements and reference numerals of FIG. 1 and FIG. 2B.

Referring to FIG. 5, the loaner terminal 200 may include a display unit 230. The display unit 230 included in the loaner terminal 200 may be an LCD, an LED, an OLED, a PDP, an FED, or the like, but is not limited thereto.

Referring to FIG. 5, the display unit 230 displays a loan application screen. The loan application screen includes the lender's personal information, the consent to provide financial information, the method of submitting the attached documents, and the selection method of the repayment method.

The loaner terminal 200 receives information on the name of the borrower, the name of the school, the student number, the department, the classes, and the credit through the personal information menu. Specifically, the loaner terminal 200 receives the name of the school in which the borrower is attending or graduated, the student number used in the borrower's school, the borrower's department, the course name, and the semester's credit. At this time, the loaner terminal 200 can display the average credit of the borrower based on the inputted credit per semester. Also, the loaner terminal 200 receives the desired loan amount and the desired repayment term. Here, the desired repayment term means the date on which the borrower repays the loan amount. The desired loan amount to which the loaner terminal 200 can receive is not limited.

Then, the loaner terminal 200 receives a consent to provide the learner's scholarly information to the user of the community through the scholarly information providing consent menu. If the borrower agrees to provide the scholarly information to the user of the community, the ID and password of the borrower used in the university information server 400 in order to receive the borrower's scholarship information from the university information server 400, Can be input. As the lender agrees to provide scholarly information to the users of the community, he or she can determine whether or not the user of the community will invest in the lender and the amount of the investment.

Also, the lender terminal 200 receives the lender's self introduction letter, the study plan, and the photograph through the attached document submission menu. Here, the self-introduction sheet includes information of additional borrowers that can not be inputted in the personal information menu of the borrower. The study plan also includes a plan for achieving the learner's academic and academic goals. The photograph is a photograph of the borrower for determining whether the information of the borrower provided by the information server matches the information of the borrower who requested the loan.

 Then, the loaner terminal 200 receives a selection of how the borrower repays the loan amount through the reimbursement method selection menu. Specifically, the lender terminal 200 receives a selection of a method of repayment to the investor or repayment to another lender.

Accordingly, the community loan server 100 receives the information required for the loan application from the borrower and receives the consent for providing the log information, thereby making it easier for the borrower to borrow money .

FIG. 6 is a schematic view illustrating a screen for an investor to receive information of a borrower through a community loan platform and to approve the borrower according to an embodiment of the present invention. For convenience of explanation, it will be described with reference to the constituent elements and reference numerals of FIG. 1, FIG. 2B and FIG.

Referring to FIG. 6, the investor terminal 300 may include a display unit 330. The display unit 330 included in the investor terminal 300 may be an LCD, an LED, an OLED, a PDP, an FED, and the like, but is not limited thereto.

The display unit 330 of the investor terminal 300 displays the picture of the borrower, the name, the name of the school, the department, the course and the credit, the requested loan amount, the desired repayment period, Indicate the method. The display unit 330 also displays a self-introduction document and a study plan attached to the lender. Then, the display unit 330 displays the learner's scholarship information received from the university research server 400. Specifically, the display unit 330 displays the photograph of the borrower, the name, the student number, the department, the credit, the rank, and the scholarship receipt record. The display unit 330 displays the learner's information received from the university server 400 so that the user of the community can trust the information of the lender. Also, the display unit 330 displays guarantee data, which is data calculated to guarantee that the lender can faithfully repay the loan amount. Specifically, the display unit 330 displays an evaluation of the lender created by the user of the community. At this time, the display unit 330 displays the score and the evaluation of the lender expressed in text. Further, the display unit 330 displays a pool of acquaintances of the borrowers. Specifically, the display unit 330 displays the percentage of acquaintances included in the pool of acquaintances of the borrower. For example, the display unit 330 can display the ratio of the students who are the same undergraduate as the borrower occupying the pool of the borrower and the ratio of the borrower's faculty.

Accordingly, the community loan server 100 provides the investor with the personal information of the borrower as well as the financial information and the guarantee data, so that the investor can determine the loan amount and the interest rate based on the information on the more reliable borrower.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software module may reside in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a removable disk, a CD-ROM or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor, which is capable of reading information from, and writing information to, the storage medium. Alternatively, the storage medium may be integral with the processor. The processor and the storage medium may reside within an application specific integrated circuit (ASIC). The ASIC may reside within the user terminal. Alternatively, the processor and the storage medium may reside as discrete components in a user terminal.

Although the embodiments of the present invention have been described in detail with reference to the accompanying drawings, it is to be understood that the present invention is not limited to those embodiments and various changes and modifications may be made without departing from the scope of the present invention. . Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

100: Community loan server
110:
120: Processor
130:
200: lender terminal
210, and 310:
220, and 320:
230, and 330:
240, 340: Processor
300: Investor terminal

Claims (10)

In a community based fund utilization method wherein operations are implemented by a processor,
Receiving a desired loan amount from the borrower and personal information of the borrower;
Confirming whether the lender is joining the community and the pool of the lenders in the community;
Receiving clinical information corresponding to the personal information from a university server;
Receiving, based on the scholarly information, a percentage of an acquaintance in the acquaintance pool that corresponds to at least one of the same scholarly information with the lender;
Receiving an evaluation of the lender from a user of the community;
Processing said evaluation in a natural language;
Scoring the evaluation naturalized according to a predetermined criterion;
Determining a loan amount and an interest rate based on the scholarly information, the ratio of the acquaintance, and the scored rating;
Providing the user of the community with some or all of the personal information, the scholarly information, the percentage of acquaintances, the evaluation, the loan amount, and the interest rate;
Receiving an investment amount corresponding to the loan amount from at least one of the users;
Transmitting to the other lender a repayment amount equal to the investment amount received from the lender; And
And transmitting the interest amount corresponding to the interest rate received from the lender to at least one of the users who has transmitted the investment amount. The method according to claim 1,
The step of receiving the personal information comprises:
And receiving at least one of the name of the lender, the student number, the department, the lecture course, the credit, the lender's self introduction letter, and the study plan. delete The method according to claim 1,
The method of claim 1,
Receiving at least one of the student number, department, course, credit, scholarship receipt record, school attendance certificate and graduation certificate of the borrower. delete In a community based fund utilization method wherein operations are implemented by a processor,
Receiving a desired loan amount from the borrower and personal information of the borrower;
Confirming whether or not the borrower joins the community and the pool in the community;
Receiving clinical information corresponding to the personal information from a university server;
Receiving, based on the scholarly information, a percentage of an acquaintance in the acquaintance pool that corresponds to at least one of the same scholarly information with the lender;
Receiving an evaluation of the lender from a user of the community;
Processing said evaluation in a natural language;
Scoring the evaluation naturalized according to a predetermined criterion;
Determining a loan amount and an interest rate based on the scholarly information, the ratio of the acquaintance, and the scored rating;
Providing the user of the community with some or all of the personal information, the scholarly information, the percentage of acquaintances, the evaluation, the loan amount, and the interest rate;
Receiving an investment amount and an interest rate from the community user based on at least one of the personal information, the academic information, the percentage of acquaintances, the evaluation, the loan amount, and the interest rate;
Receiving the investment amount corresponding to the loan amount from at least one investor of the user;
Transmitting to the other lender a repayment amount equal to the investment amount received from the lender; And
And transmitting the interest amount corresponding to the interest rate received from the lender to at least one of the users who has transmitted the investment amount. delete delete A communication unit for receiving the desired loan amount from the borrower and the personal information of the borrower; And
And a processor for confirming whether or not the borrower has joined the community and a pool of acquaintances of the borrower in the community,
Wherein,
A ratio of an acquaintance corresponding to at least one same geographical information with the borrower in the acquaintance pool based on the scholarly information corresponding to the information, Receiving,
The processor comprising:
Determining a loan amount and an interest rate on the basis of the scholarly information, the ratio of the acquaintance and the scored rating,
Wherein,
Providing the user of the community with some or all of the personal information, the academic information, the percentage of acquaintances, the evaluation, the loan amount, and the interest rate,
Receiving an investment amount corresponding to the loan amount from at least one of the users,
Transmits to the other lender a repayment amount equal to the investment amount received from the lender,
And transmit the interest amount corresponding to the interest rate received from the lender to at least one of the users who has transmitted the investment amount. A communication unit for receiving the desired loan amount from the borrower and the personal information of the borrower; And
And a processor for confirming whether or not the borrower has joined the community and the pool in the community,
Wherein,
Receiving from the university user server the information on the personal information corresponding to the personal information and receiving the ratio of the acquaintance corresponding to at least one same academic information with the lender to the acquaintance pool based on the scholarly information, Receiving an evaluation of the lender,
The processor comprising:
Determining a loan amount and an interest rate on the basis of the scholarly information, the ratio of the acquaintance and the scored rating,
Wherein,
Providing the user of the community with part or all of the personal information, the scholarly information, the ratio of the acquaintances, the evaluation, the loan amount, and the interest rate, , Receiving the investment amount and the interest rate from the community user based on at least one of the loan amount and the interest rate,
Receiving the investment amount corresponding to the loan amount from at least one investor of the users,
Transmits to the other lender a repayment amount equal to the investment amount received from the lender,
And transmit the interest amount corresponding to the interest rate received from the lender to at least one of the users who has transmitted the investment amount.

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