KR101805409B1 - Method for peer to peer based finalcial technology service using stock collateral and system thereof - Google Patents

Abstract

 Performing a loan review based on the stock lending application information received from the first information terminal; Performing a process of data and electronic signals for making the stock of the real stock and the stock of the stock issued as a collateral item in the private safe through communication with the storage support server by the financial technical service apparatus; And data for transferring the investment money based on the investment application information received from the second information terminal through the communication with the financial support server and for executing the loan with the stockyard stock as security There is provided a peer-to-peer financial technology service method using a stock collateral including a step of processing an electronic signal.

Description

TECHNICAL FIELD [0001] The present invention relates to a peer-to-peer financial technology service method using a stock collateral,

The present invention relates to a method and system for financial technology service based on peer-to-peer (P2P) using stock security, and more particularly, As a result, investors who have invested money through cloud funding will be able to obtain the stability, convenience and relatively high yield of the transaction. To-peer financial technology service method and system thereof.

With the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting lenders and investors.

Peer-to-peer (P2P) lending is advantageous compared to traditional financial transaction methods, providing lower interest rates to loan applicants, and providing relatively high returns to investors in low-interest environments. Is gradually expanding.

The P2P lending market is dominated by Europe and the United States, and has recently developed rapidly in China and other Asian countries. According to Foundation Capital, the global peer-to-peer loan market is about $ 8.8 billion by 2014 and has grown at a CAGR of 130% over the last five years in 2015, according to Foundation Capital.

On the other hand, expectations for the possibility that P2P loans will develop as competitors in existing regulatory lending market are rising, such as US-based investment companies and European banks establishing P2P lending subsidiaries and entering the market.

In October 2013, Eaglewood Capital, an American investment company, sold the landing club's P2P lending assets to the insurer for the first time in the world and sold them to insurance companies. Citigroup, Barclays, Deutsche Bank, (Deutsche Bank) are also seeking securitization of P2P loans.

In Europe, ANM Amro, a Dutch bank, has already established a subsidiary called Seeds, which provides P2P loan services, to support start-ups and small start-up activities in earnest starting in February 2014, Banque Postale founded KissKiss BankBank, the first crowdfunding platform in France, in partnership with Kickstarter in March 2010.

Recently, there are active discussions in Korea to promote the financing of individuals and entrepreneurs through P2P loans and equity investment type crowd funding.

In mid-2014, the government and political circles set up a regulatory bill aimed at promoting crowdfunding, such as P2P loans, within the regulatory system. As a result, the government has decided to revise the "Small Business Development Supporting Act Partial Amendment" Some amendments to the Act have been submitted to the National Assembly.

Generally, stocks listed on a securities company or other securities exchanges and tradable in the market are referred to as listed stocks. These listed stocks can be traded on the exchange only if the company satisfies certain conditions.

Stocks include listed stocks, as well as unlisted stocks. OTC stocks are stocks that are not listed on the stock exchange.

As the OTC market was originally a natural market, there was no regular organization and the trading method was not formalized. However, in many developed countries, the OTC market is being developed into a specific organizational market similar to the exchange market by institutionalizing the OTC market.

Listed stocks are invested in a variety of ways. For example, you can invest directly by looking at company information, buying and selling stocks, and how to join a fund operated by famous securities firms. In addition, brokerage firms make profits by using funds collected through funds.

However, unlisted stocks have the inconvenience of finding individual company information in order to buy and sell individual stocks, and there has been an inconvenience in dealing individually with stock owner owners for transactions.

It is difficult for investors to trust investors because they can not confirm the information or transaction performance of investors in order to entrust them to investors. As a result, investors have difficulty in securing investment amount.

Also, it is considered very risky to lend out the unlisted stocks as collateral. This is because unlisted stocks often have no reliable prices and are subject to restrictions on liquidity. Lenders will stick to the conservative method of valuing values very low because of the characteristics associated with these unlisted stocks. In the end, the borrower borrowed it as collateral, but the amount that can actually be liquidated is very small.

P2P loans provide a system for borrowers and investors to meet using an online platform. Most of the P2P lending platforms launched in Korea as of 2015 will recruit unsecured credit loans from investors by disclosing the lender's credit rating, lending purpose, and the amount of the loan. In order to prevent bad loans, we set up rigorous examination requirements for borrowers and strive to preserve investors' principal.

However, since these credit loans are literally creditable, there is always the possibility of default. That is, there is a way to cope if the borrower tries his hand to refrain from repaying the loan.

The problem to be solved by the present invention is that the loan applicant can organically combine stock-backed loan, P2P loan, and cloud funding through Internet-based technology so that the loan applicant can borrow his or her own stock as collateral, Investors who have invested in funds through funding are providing peer-to-peer financial technology service method and system using stock collateral which can provide transaction stability, convenience and relatively high yield.

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

According to an aspect of the present invention, there is provided a method of controlling a financial technology service system, the method comprising: performing a loan review based on stock-based lending application information received from a first information terminal; Performing a process of data and electronic signals for making the stock of the real stock and the stock of the stock issued as a collateral item in the private safe through communication with the storage support server by the financial technical service apparatus; And data for transferring the investment money based on the investment application information received from the second information terminal through the communication with the financial support server and for executing the loan with the stockyard stock as security There is provided a peer-to-peer financial technology service method using a stock collateral including a step of processing an electronic signal.

The step of performing the loan examination includes: generating demand forecast request information for aggregating investment available funds to be invested in equity-linked lending using the demand forecast P2P platform and transmitting the demand forecast request information to the second information terminal; Receiving demand prediction result information from the second information terminal; And transmitting to the first information terminal a lendable notification message when the amount of money to be collected is satisfied according to the demand forecast result information, and transmitting a lendable notification message to the first information terminal if the amount of money is not met .

The stock investment credibility evaluation information includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation grade, and the stock investment trustworthiness rating grade is the absolute profit based on the stock- And the second evaluation rating based on the relative profit calculated by linking the rate of change of the market information to the first rating rating.

The step of processing the data and the electronic signal for performing the loan with the stock real object as the security as a collateral includes receiving a stock object submission completion message from the first information terminal or the archive support server; And evaluating whether or not the stock is collateralizable.

The step of evaluating the collateral availability may include: receiving the collateral availability authentication request information from the first information terminal; Transmitting the assurance-possible evaluation request information on the real stock to the financial support server; And transmitting, to the first information terminal, a creditable notification message if the creditable evaluation determination information is received from the financial support server and transmitting the creditable notification message to the first information terminal, can do.

The step of processing data and electronic signals for putting the issued stocks into a private safe as a collateral object comprises the steps of: receiving the collateral item receipt request information from the first information terminal; Receiving, by the financial technology service apparatus, the redemption condition contract completion information from the first information terminal; And receiving the information on the security deposit of the exclusive safe from the first information terminal by the financial technology service device.

Wherein the financial technology service device communicates with the archive support server to periodically or irregularly receive archive status information about the stocks actually received in the private safe And performing a stock keeping and risk management process.

The step of performing the physical stock keeping and risk management process may include periodically or irregularly receiving the private safe identification information, the private safe purchasing authentication photograph, and the receipt completion confirmation information from the storage support server.

According to another aspect of the present invention, there is provided a storage support server for performing processing of data and an electronic signal for storing a stock of a shipped stock; A financial support server for processing data and electronic signals for financial transactions; And lending examination on the basis of the stock lending application information received from the first information terminal, and, by communicating with the archive support server, delivering the real stocks and putting the real stocks in the private safe as collateral items And receives the investment fund based on the investment application information received from the second information terminal through the communication with the financial support server and executes the loan with the stock real thing as security A peer-to-peer financial technology service system using a stock collateral including a financial technical service device for performing processing of data and electronic signals for providing a financial transaction service system is provided.

The stock investment credibility evaluation information includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation grade, and the stock investment trustworthiness rating grade is the absolute profit based on the stock- And the second evaluation rating based on the relative profit calculated by linking the rate of change of the market information to the first rating rating.

According to the present invention, by appropriately linking stock-secured loans, peer-to-peer loans, and cloud funding through Internet-based technologies, a loan applicant can borrow his / her own stock as collateral , Investors who have invested money can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, since a loan interest rate is applied by a formula that is formulated according to the value of an investment or a collateral object, a reasonable loan may arise.

According to the present invention, it becomes possible to provide liquidity through precise value analysis of an off-market stock that has not been easily recognized as a value to be collateralized.

According to the present invention, unlisted out-of-stock securities can be secured as individual securities to secure stability for investors.

According to the present invention, it is possible to obtain higher securitization compared to existing financial institutions by receiving an appropriate reference price of collateral by the investment advisory group specialized in unlisted off-the-shelf stocks.

According to the present invention, since the interest rate of a loan is determined by a formula that is formulated, it is applied reasonably, and ultimately it can contribute to the activation of the off-market stock market.

According to the present invention, it is possible to secure investment by securing collateral of unlisted out-of-stocks by avoiding the framework of credit used in the conventional lending system.

According to the present invention, it is possible to prevent personal credit management from being reflected in the credit score.

According to the present invention, the P2P platform is used to connect unlisted stocks and investments to PinTech to connect investors (loan applicants) and individual borrowers (investors) .

FIG. 1 is a diagram for explaining the concept of a peer-to-peer financial technology service using stock security according to an embodiment of the present invention.
2 is a diagram illustrating a peer-to-peer financial technology service system using stock security according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.
4 is a flowchart illustrating a loan review process in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a real-time stock issue process in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a security-capable authentication process in a peer-to-peer-based financial technology service method using stock security according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a process for insuring goods in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.
FIG. 8 is a diagram for explaining a loan due date notification process in a peer-to-peer based financial technology service method using stock security according to an embodiment of the present invention.
FIG. 9 is a diagram for explaining a process of returning a security object in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram for explaining the concept of a peer-to-peer financial technology service using stock security according to an embodiment of the present invention.

Referring to FIG. 1, a peer-to-peer financial technology service using a stock security according to an embodiment of the present invention may be provided by a P2P financial-based technology service company 1. FIG.

A P2P-based financial technology service company (1) has a business alliance with an investment adviser (2) that conducts valuation of equity collateral and an affiliate financial institution (3) that performs interest and principal repayment procedures, (4) who wishes to borrow as collateral, and investors (5) who want to invest their cash assets in the cloud funding system, using peer-to-peer loan method and perform peer-to-peer financial technology service using stock security. Here, investment advisers (2), affiliated financial institutions (3), loan applicants (4), and investors (5)

A peer-to-peer financial technology service using stock-backed P2P-based financial technology service company (1) is made by holding stocks such as stock withdrawal certificates and lending to borrowers with secured stock withdrawal certificates .

That is, the peer-to-peer financial technology service using the stock collateral of the P2P-based financial technology service company (1) does not utilize the stock real estate through the stock withdrawal process in setting up the stock collateral, To improve the marginality of collateral forms.

In addition, peer-to-peer financial technology services using stock-backed P2P-based financial technology service companies (1) collect funds from investors (5) who want to invest their cash assets in a cloud-funded manner, .

To this end, the P2P-based financial technology service company (1) receives a loan application from the loan applicant (4) as collateral. The stocks provided as collateral here may be shares held by the borrower (4) or may be shares held by a third party. The stocks provided as collateral may preferably be off-the-shelf stocks, but the present invention is not limited thereto and is possible if the stock can be withdrawn from the stock. Therefore, listed shares traded in the market may be provided as collateral.

 The P2P-based financial technology service company (1) can request the investment adviser (2) to request the collateral evaluation for the stocks provided by the loan applicant (4) as collateral. The investment adviser (2) may provide the collateral value to the P2P-based financial technology service company (1) by calculating the collateral value of the requested equity collateral.

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

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

The affiliate financial institution 3 executes a loan to the loan applicant 4 who has been approved for loan by the P2P financial technology service company 1 and receives the interest and principal repayment procedures from the loan applicant 4 periodically or non- You can do it regularly.

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

2 is a diagram illustrating a peer-to-peer financial technology service system using stock security according to an embodiment of the present invention.

2, in the peer-to-peer based financial technology service system using stock security, the financial technology service apparatus 100 accesses the advisory support server 200, the financial support server 300, the first information terminal 400, the second information terminal 500, and the archive support server 600, various data and electronic signals for peer-to- As shown in FIG.

The financial technology service apparatus 100 includes various processors and various processors necessary for processing and communicating electronic data and data required for a peer-to-peer financial technology service using a stock collateral of a P2P-based financial technology service company (1) .

To this end, the financial technology service apparatus 100 stores various kinds of data and electronic signals necessary for carrying out the process of holding the stocks such as the stock withdrawal certificate in the private safe and using the stored stock withdrawal certificate as collateral And a processor for performing communication.

The financial technology service apparatus 100 also includes an investment adviser 2 who performs an evaluation of the stock collateral with a P2P financial technology service company 1 and an affiliate financial institution 3 that performs interest and principal repayment procedures And a processor for performing processing and communication of various data and electronic signals required for the cooperation work.

In addition, the financial technology service apparatus 100 connects a loan applicant 4 who wishes to borrow his or her stocks as collateral and an investor 5 who wants to invest cash assets possessed by the cloud funding method by a P2P loan method And a processor for processing and communicating various data and electronic signals required to perform the peer-to-peer-based financial technology service using the stock collateral.

The advisory support server 200 calculates the collateral value of the stock collateral requested for evaluation performed by the investment adviser 2 and transmits the data and the electronic signal processing and communication for providing to the P2P-based financial technology service company 1 And may be configured to include various processors to be executed.

The advisory support server 200 measures quantitative and qualitative values based on various data obtained through various methods such as a slope of sales growth rate or a direct company visit in the case of a company having a negative net profit, Sexual value measurement data can be generated.

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

The financial support server 300 may include various data for financial services performed in the affiliated financial institution 3, and various processors for processing and communicating electronic signals.

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And a processor for performing communication.

The financial support server 300 also executes a loan to the loan applicant 4 whose affiliated financial institution 3 has been approved for loan by the P2P based financial technology service company 1 and receives interest from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the principal repayment procedure.

Also, the financial support server 300 periodically or irregularly executes interest on the investment money to the investor 5 to which the affiliated financial institution 3 deposits the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal.

The operations of the financial service apparatus 100, the advisory support server 200, and the financial support server 300 will be described below.

The financial technology service apparatus 100 may receive the mortgage application information for requesting the loan from the first information terminal 400 with the stock as a security.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and provides screen information for receiving the mortgage application information from the first information terminal 400 to the first information terminal 400 can do.

The financial technology service apparatus 100 transmits the collateral evaluation request information to the advisory support server 200 for the stocks provided as collateral. To this end, the financial technology service apparatus 110 generates the collateral evaluation request information based on the secured loan application information input from the first information terminal 400.

The stocks provided as collateral here may be shares held by the borrower (4) or may be shares held by a third party. The stock to be pledged may preferably be an off-market stock, but the present invention is not limited thereto, and listed stock traded on the market may be pledged as collateral.

The financial technology service apparatus 100 receives an investment application signal from the second information terminal 500. To this end, the financial technology service apparatus 100 communicates with the second information terminal 500 and provides screen information for receiving investment application information from the second information terminal 500 to the second information terminal 500 .

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

Types of loans include stock purchase loans and equity-linked loans. There are two types of loan repayment schemes: principal repayment maturity repayment method, principal repayment method and monthly interest payment method.

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

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

The advisory support server 200 executes various scenario access processes for unlisted stocks to generate the bankruptcy probability information of the corresponding company.

The advisory support server 200 may generate the risk management information for the requested out-of-stock market. Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 and receiving the investment money.

The financial support server 300 performs a loan progress process for the lender who has been approved for loan by the financial technology service apparatus 100 and performs a process for depositing the loan to the deposit account designated by the lender of the loan. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 and transmits the deposit account information included in the secured loan application information received from the first information terminal 400 And stores it. The financial support server 300 also communicates with the first information terminal 400 of the lender of interest 4 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 conducts a financial transaction process in which the investor 5 depositing the investment money deposits the interest into the designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the investment application information received from the second information terminal 500 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process in which the investment money is returned to the investor 5 account when the investment period expires.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 via a communication network, Respectively.

The communication network is a communication network which is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next-generation wireless network including WiFi, Wibro, and Wimax for providing Internet or high-speed multimedia service.

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 by the loan applicant 4 and the investor 5 Lt; RTI ID = 0.0 > and / or < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. Such a communication network transmits signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 .

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 through a communication network and use various financial transaction services Lt; RTI ID = 0.0 > wired / wireless < / RTI >

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, a Palm PC, a smart phone, A financial support service server 400, a storage support server (not shown) such as a mobile game terminal, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, 600, or any other wired / wireless home appliances / communication devices having a user interface for connecting to the Internet.

Particularly, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone is not limited to a general mobile phone (a feature phone) Application As a phone based on an open operating system that can be freely used and deleted by downloading the program, it is possible to use not only general voice / video call, Internet data communication, but also all mobile phones Or a communication device that does not have a voice call function but includes all Internet phones or Tablet PCs that can access the Internet.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As such, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a general term for a communication configuration for connecting wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

Also, the wireless network communication module includes a mobile communication configuration that performs connection, location registration, call processing, call connection, data communication, and handoff to the mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard. The present invention is not limited to the wireless communication configuration provided by the present invention.

The short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

The archiving support server 600 performs communication with the first information terminal 400 and the financial technology service apparatus 100 to request a collateral item for the real stock and a process for purchasing a private safe.

The storage support server (600) transmits the information on the receipt of the private safe to the financial technology service apparatus (100) when the physical stock of the stock is completed in the private safe. The completion information of the exclusive safe can include the identification information of the exclusive safe, the authentication photograph of the exclusive safe, and the receipt completion confirmation information.

The archive support server 600 can provide the information on the arrival of the exclusive safe for the first information terminal 400 or the financial technology service apparatus 100. [

The storage support server 600 periodically checks the storage status of stocks in the private safe and provides the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 .

FIG. 3 is a flowchart illustrating a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service device 100 receives the stock loan application information from the first information terminal 400 (S10).

The information on the equity loan application may include the name of the stock, the number of shares, the desired amount of the loan, the deposit account number, the name, the telephone number, the e-mail address,

Here, the collateral evaluation grade may include the stock investment trustworthiness rating of the lender who is calculated and given by the collateral evaluation process of the financial technology service device 100. [ The stock investment credibility rating is calculated by dividing the first evaluation grade based on the absolute profit based on the return on the stock information of the applicant of the loan and the second evaluation grade based on the relative profit based on the first evaluation grade, And may include a third evaluation grade calculated based on the evaluation ratings.

The financial technology service apparatus 100 performs a loan review process based on the stock-secured loan application information received from the first information terminal 400 (S20).

The loan review process may include loan demand forecasts. Demand forecasting for loan demand forecasting The investment possible fund aggregation process using P2P platform can be executed. According to the demand forecast result, the lendable notification message or the lending disabled notification message may be transmitted to the first information terminal 400. [

The financial technology service apparatus 100 can generate demand forecast request information for aggregating investment available funds to be invested in stock-secured loans using the demand forecast P2P platform.

The financial technology service apparatus 100 may transmit the demand prediction request information to the second information terminal 500 and receive the demand prediction result information from the second information terminal 500. [

The financial technical service apparatus 100 judges whether or not the collection amount is satisfied based on the demand forecast result information, and when the collection amount is satisfied according to the determination result, the financial technical service apparatus 100 transmits a lending possibility notification message to the first information terminal 400 And transmits a non-lending notification message to the first information terminal 400 when the amount of the loan is not sufficient.

The first information terminal 400 accesses the integrated securities information network and performs a stock-realization process (S30).

For the real goods issue process, the first information terminal 400 may access the integrated securities network, select securities, and apply for physical delivery. The first information terminal 400 designates the actual shipment quantity selection information and the actual shipment date to complete the actual shipment request. Accordingly, the real goods issue can be executed.

The financial technology service apparatus 100 receives the stocks object submission completion message from the first information terminal 400 (S40). To this end, the first information terminal 400 may receive an input signal for confirming the completion of the submission of the stocks from the loan applicant. Here, the stocks can be, for example, stock withdrawal certificates. The stock withdrawal certificate may be a registered or non-registered bond.

The financial technology service device 100 performs a security feasibility certification process on the real stocks (S50).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to issue a security assurance certificate, and the financial technology service apparatus 100 transmits a security assurance evaluation Lt; / RTI >

The financial technology service apparatus 100 receives the assurance-enabling evaluation determination information on the real object from the financial support server 300 and determines whether collateral is possible or not. If it is determined that the security can be secured, the creditable notification message is transmitted to the first information terminal 400. If it is determined that the security is impossible, the credit unavailable notification message is transmitted to the first information terminal 400. [

The financial technology service apparatus 100 performs a collateral item receipt process for the real object (S60).

For this, a collateral object acceptance, a repurchase condition contract, and a private safes object receipt procedure are performed through communication with the first information terminal 400, the financial technology service device 100, and the archive support server 600.

The financial technology service apparatus 100 performs the process of depositing the investment money and paying out the loan, the interest payment, and the investment profit payment process (S70).

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

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And performs communication.

In addition, the financial support server 300 executes a loan by making a loan to the loan applicant 4 whose affiliate financial institution 3 has received the loan approval by the P2P-based financial technology service company 1, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

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

In addition, the financial technology service device 100 communicates with the archive support server 600 to perform stock physical asset management and risk management (S80).

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the storage status information on the stocks actually received from the storage support server 600 in the private safe.

On the other hand, the financial technology service apparatus 100 may periodically or occasionally request exclusive safes identification information, an authenticity of goods receipt confirmation photograph, and receipt completion confirmation information to the storage support server 600 when the stock of the real object of the stock is completed in the private safe . To this end, the financial support service apparatus 100 may receive the information on the completion of the in-car safes in the private security safeguard server 600.

Also, the financial technical service apparatus 100 periodically or irregularly evaluates the collateral value of the collateral object when the stock of the real object is completed in the private safe, and when the collateral value is decreased, the first information terminal 300 ) To send a deposit further deposit message. In addition, if the security value service device 100 continues to receive a collateral value decrease even though the security deposit is not transferred despite the transfer of the security deposit additional deposit message, the risk management process .

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

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

On the other hand, the financial technology service apparatus 100 can perform the process of returning the secured object once the repayment of the loan is completed (S100).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to return the secured object, and performs a shipment process of the exclusive safe through the request for the shipment of the exclusive safe, Complete the return.

4 is a flowchart illustrating a loan review process in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 4, demand forecasting request information is generated in order to aggregate investment available funds to be invested in stock-secured loans using the demand forecast P2P platform (S21).

Here, the demand forecast request information may be generated based on the mortgage loan application information for applying for a loan with the stocks received and stored from the first information terminal 400 as a security.

In addition, the investment allowable amount count check information includes information on the evaluation result data on the stock collateral received from the advisory support server 200, the collateral value estimation result information, the bankruptcy probability information of the company, and the risk management information . ≪ / RTI >

The evaluation result data on the stock collateral is generated by the advisory support server 200 after receiving the stock collateral evaluation request signal from the financial technical service apparatus 100 to evaluate the stock collateral, . ≪ / RTI >

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

The bankruptcy probability information of the corporation is generated by the advisory support server 200 executing various scenario access processes for unlisted stocks.

Risk management information is generated for the over-the-counter stock requested at the advisory support server 200. [ Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

Accordingly, the financial technology service apparatus 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 500 (S22).

Demand forecasting information may include participating pseudo-check information to see if there is an intention to participate in the investment for the equity-linked lending. In addition, the demand forecast request information includes information on the demand for mortgage application for demand prediction, evaluation result data on stock collateral, information on mortgage value estimation result, probability of bankruptcy of the enterprise, Risk management information, or offer amount information.

Thereafter, the financial technology service apparatus 100 receives the demand forecast result information from the second information terminal 500 (S23).

The demand forecast result information may include investor information, participant check result information indicating that the investor intends to participate in the investment for the equity lending, and investment fund information. Here, the investor information may include the investor's contact information. The contact information may include e-mail, telephone number, SNS account information, preferred stock information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information. The investment fund information may include the amount of the investment fund, the investment period, and the investment type information. Information on investment type can include interest income investment, equity participation investment, interest income and equity participation investment.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S24). In step S25, the financial technology service apparatus 100 transmits a creditable notification message to the first information terminal 400 when the amount of money to be offered is satisfied, according to the determination result.

Meanwhile, if the collection amount is not satisfied according to the determination result, the financial technology service apparatus 100 transmits a non-rental notification message to the first information terminal 400 (S26).

FIG. 5 is a flowchart for explaining a real-time stock issue process in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 accesses the integrated securities information network (S31). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can be connected to the integrated securities network. Accordingly, the first information terminal 400 can select the menu displayed on the screen information provided by the financial technology service apparatus 100 and access the integrated securities information network.

The first information terminal 400 accesses the integrated securities network and transmits the securities selection information to the financial technology service apparatus 100 (S32). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select a securities menu. Therefore, the first information terminal 400 can select the securities menu from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the goods issue request information to the financial technology service apparatus 100 (S33). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select a menu for requesting a physical shipment. Accordingly, the first information terminal 400 can access the securities menu and then select the menu for requesting the real goods issue from the menu screen. The first information terminal 400 can select to request the real goods issue from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the actual delivery number selection information, the actual delivery date designation information, and the actual delivery application completion information to the financial technology service device 100 (S34, S35, S36). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select the actual shipment quantity and the shipment date menu. Accordingly, the first information terminal 400 accesses the physical goods issue application menu provided by the financial technology service apparatus 100, and then selects the real physical quantity from the menu screen (S34), designates the real physical date S35), and completes the actual shipment application (S36). Thus, the actual shipment is executed.

FIG. 6 is a flowchart illustrating a security-capable authentication process in a peer-to-peer-based financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 6, the first information terminal 400 transmits the collateral availability authentication request information to the financial technology service apparatus 100 (S51). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the authentication of the security information. Accordingly, the first information terminal 400 can complete the security availability authentication request from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The financial technology service apparatus 100 transmits the collateral availability evaluation request information for the stocks issued to the financial support server 300 (S52)

The collateralizable evaluation request information is request information inquiring whether the real object of the stock is collateralizable. The assurance-possible evaluation request information may be transmitted to the financial support server 300 by the financial technology service device 100, but the present invention is not limited thereto. The assurance availability request information may be transmitted directly to the sovereign authentication financial institution server handling the corresponding securities without passing through the financial support server 300 in the financial technology service apparatus 100. [

The financial technology service apparatus 100 receives the assurance-enabling evaluation determination information on the stocks issued from the financial support server 300 (S53). In another embodiment of the present invention, the assurance-enabling evaluation request information may be transmitted to the financial technology service apparatus 100 directly from the sovereign authentication financial institution server handling the corresponding securities without passing through the financial support server 300 .

The financial technology service apparatus 100 determines whether it is possible to provide a collateral for executing the secured loan against the stocks issued from the collateralizable evaluation decision information on the real object (S54). If it is determined that the security can be secured, the notification message is transmitted to the first information terminal 400 (S55).

If it is determined in step S54 that collateral can not be secured from the collateralizable evaluation determination information on the real object of the stock, the financial technology service device 100 transmits a non-delivery notification message to the first information terminal 400 (S56).

FIG. 7 is a flowchart illustrating a process for insuring goods in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits the collateral object reception request information to the financial technology service apparatus 100 (S61). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the acceptance of the collateral for the stocked goods from which the first information terminal 400 has been shipped. Accordingly, the first information terminal 400 can complete the acceptance of the collateral item for the stock real thing shipped from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the repurchase condition contract completion information to the financial technology service device 100 (S62). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the re-sale condition contract completion information. Accordingly, the first information terminal 400 can transmit the re-sale condition contract completion information from the menu displayed on the screen information provided by the financial technology service device 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include redemption condition agreement information and contract agreement agreement confirmation information. In this case, the conditions for repurchase are that if the requested procedure such as interest payment established for the loan is not followed after the loan is made as collateral for the issued stock or if the value of the relevant stock falls below the collateral price, And may include redemption conditions for collateral stocks to dispose of and distribute the risk factors of the investor.

The first information terminal 400 transmits the exclusive safe deposit article receipt completion information on the shipped stock to the financial technology service apparatus 100 (S63). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit the information on the receipt of the exclusive safe. Accordingly, the first information terminal 400 can transmit the exclusive safe deposit item receipt completion information from the menu displayed on the screen information provided by the financial technology service apparatus 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include screen information for inputting exclusive safe identification information, a dedicated safe deposit stock photograph, and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the private safe identification information, the authenticating image of wearing the private safe, and the confirmation of the goods receipt completion from the menu displayed on the screen information provided by the financial technology service apparatus 100, And transmits the completion information to the financial technology service apparatus 100. The completion of the receipt of the exclusive safe sent from the first information terminal 400 to the financial technology service apparatus 100 can be transmitted from the archive support server 600 to the financial technology service apparatus 100. [ In other words, the financial technology service apparatus 100 may receive the exclusive safe identification information, the authentication image for wearing the exclusive safe, and the receipt completion confirmation information from the archive support server 600.

FIG. 8 is a diagram for explaining a loan due date notification process in a peer-to-peer based financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 8, the financial technology service apparatus 100 transmits a loan due date notice message to the first information terminal 400 (S91) when the loan expires.

If it is determined that the expiration date of the loan expires, the financial technology service apparatus 100 proceeds with the transfer of the name (S92). To this end, the financial technology service apparatus 100 transmits a name transfer request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds with the rights acquisition process for the secured object when the name transfer process for the secured object is completed (S93). To this end, the financial technology service device 100 may transmit a rights pumping request signal to the financial support server 300. [

The financial technology service apparatus 100 proceeds with the selling process for the secured object when the rights acquisition process for the secured object is completed (S94). Whereby the financial technology service apparatus 100 completes the sale of the collateralized object.

FIG. 9 is a diagram for explaining a process of returning a security object in a peer-to-peer financial technology service method using stock security according to an embodiment of the present invention.

Referring to FIG. 9, the first information terminal 400 transmits a security object return processing request to the financial technology service device 100 (S101). Accordingly, the financial technology service device 100 transmits the exclusive safe deposit information to the storage support server 600 (S102). Accordingly, the archive support server 600 performs a delivery process for the corresponding private safe. The first information terminal 400 transmits the secured object authentication confirmation information to the financial technology service apparatus 100 (S103). The financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the collateral object authentication confirmation information. Accordingly, the first information terminal 400 can transmit the collateral object authentication confirmation information from the menu displayed on the screen information provided by the financial technology service device 100. Upon receipt of the security object authentication confirmation information from the first information terminal 400, the financial technology service device 100 performs the security object return completion processing (S104)

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

For example, in the embodiment of the present invention, a peer-to-peer-based financial technology service method using a stock security in which stocks such as a stock withdrawal certificate are kept and the stored stock withdrawal certificate is collateralized Are described in detail.

In addition, in setting up the equity collateral, it is necessary to improve the limitations of the collateral form, which restricts the disposal of stocks only by computerization, rather than by using the stocks through the withdrawal process of stocks, and by investing the cash assets that are held in the cloud funding system We explained how to collect the funds of the investors who want to make a loan to the lender.

However, in an exemplary embodiment of the present invention, a description of a typical procedure of stock-backed loan, P2P loan, and cloud funding, and processing of data and electronic signals for performing the procedure may be omitted. If there is such knowledge in the field, it can be variously selected and implemented by usual procedures and data and electronic signal processing, so that even though it is not described in detail, it is possible to use peer- It can be seen that the peer-based financial technology service method can be implemented in various ways.

In addition, in an embodiment of the present invention, the information on the application of the stock mortgage includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation rating, And the second evaluation class based on the relative profit, which is calculated by linking the first evaluation class to the first evaluation class and the fluctuation rate of the market information.

Accordingly, in another embodiment of the present invention, a peer-to-peer financial technology service method using stock security can be performed by applying a stock investment reliability evaluation based on stock investment performance. In other words, based on the absolute profit-based investment performance based on the stock trading information of the evaluator, such as the investor who specializes in off-shore stocks, and the relative profit-based investment performance calculated by associating the composite index, Based credit-based financial technology service using stock-backed securities based on the calculation of the rating level for evaluating the stock investment credibility of the subject to be assessed. have.

To this end, in another embodiment of the present invention, the financial technology service device may include a stock trading and market information collecting unit, an evaluation class calculating unit, an evaluation class providing unit, a financial transaction limit determining unit, and a data storing unit.

The financial technology service device can collect stock market information and stock market information through the stock trading and market information collection department. Based on the absolute profit-based investment performance calculated based on the stock trading information of the subject to be evaluated through the evaluation level calculation section and the investment performance based on the relative profit calculated by associating the composite index, the index of each business type, The rating scale for evaluating the stock investment reliability of the subject can be calculated. The evaluation level of the evaluation subject can be provided to the information terminal together with the identification information of the evaluation subject through the evaluation rating provider. The limit of financial transactions can be determined based on the rating level through the financial transaction limit decision section.

Here, the evaluation rating calculator can calculate the evaluation grade for determining the financial transaction limit of the person to be evaluated. The evaluation level can be calculated by taking into consideration the absolute profit-based investment performance and the relative profit-based investment performance.

The absolute return-based investment performance can be calculated based on the stock trading information of the subject. Here, it can be calculated as the first evaluation rating. Investment performance based on relative profit is calculated by associating composite index, industry index, sales basis, and similar company information. Here, it can be calculated as the second evaluation grade.

The Evaluation Division Calculator divides the items of the evaluation subject by the OTC market, KOSPI, KOSDAQ, and Conex by composite index, index by industry, sales, and similar companies.

For example, the rating rating calculator can extract companies in the range of -50% to 200% of the companies that are classified as businesses based on sales.

For example, the evaluation rating calculator can extract companies with the same or similar products as the evaluation target companies, which are more than 40% of the total sales, as extraction criteria of similar companies.

The evaluation division can calculate the investment performance based on the relative profit by associating the change ratio with the warehouse and warehouse period while setting the reflection ratio for each of the composite index, industry index, sales and similar companies.

The evaluation class calculating section may include a first evaluation class calculating section, a second evaluation class calculating section, an application ratio calculating section, and a third evaluation class calculating section.

The first rating rating calculator can calculate the first rating rating of the person to be evaluated. The first rating can be calculated by measuring the first investment performance according to the trading profit of the subject to be evaluated. The first investment performance means the investment performance based on the trading profit of each stock based on the stock trading information of the subject to be evaluated.

And the second evaluation rating calculator may calculate the second evaluation rating of the person to be evaluated. The second rating can be calculated by measuring the second investment performance of the person to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the composite performance index, industry index, sales value, and investment performance of similar companies.

The application rate calculator can calculate the third application rate to be used to determine the financial transaction limit of the person to be evaluated. The third application rate can be calculated based on the first application rate corresponding to the first rating level and the second application rate corresponding to the second rating rating.

For example, the application rate calculating unit may calculate a third value by multiplying a first value obtained by subtracting the minimum value of the application rate from a maximum value of the application rate, a second value obtained by adding the first application rate and the second application rate, A value obtained by multiplying the fourth value obtained by adding the minimum value of the application ratio to 100 can be calculated as the third application ratio.

The third rating rating calculator can calculate the third rating rating of the person to be evaluated. The third rating is a rating determined to determine the financial transaction limit of the person to be assessed. The third rating may be determined in consideration of the first rating and the second rating.

The evaluation-grade providing unit can provide the evaluation level of the evaluation subject to the information terminal together with the identification information of the evaluation subject.

The financial transaction limit determination unit may be implemented by including an item collateral value determination unit, a collateral transaction limit determination unit, an investment management limit determination unit, and a loan application limit determination unit.

The value of collateral value determinants can be determined by calculating the collateral value of an arbitrary stock. The Mortgage Limit Determination Department may determine the allowable limit of the Mortgage Transaction to the person to be assessed. Here, the collateral limit can be determined by reflecting the third application rate of the evaluator to the collateral value of the calculated stock. In other words, the collateral limit is the collateral limit reflecting the investment performance. The Investment Management Limit Determination Department may determine the limit on the amount of investment allowed to be assessed. The limit of investment attraction can be determined by reflecting the third application rate of the person to be evaluated.

The loan application limit decision department can determine the allowable loan application limit for the assessor. The loan application limit can be determined by reflecting the third application rate of the person to be evaluated.

Accordingly, in the peer-to-peer financial technology service method using the stock collateral according to another embodiment of the present invention, the stock investor credibility evaluation method based on the stock investment performance is used to provide a loan applicant Based on which a financial-technical service based on peer-to-peer can be performed using stock security.

Here, it is desirable that the applicant wishes to have a history of trading off-the-shelf stocks in the past. The stock investment reliability evaluation based on the stock investment performance in the peer-to-peer financial technology service using equity security is used to evaluate the stock investment trust of the subject to be evaluated as numerical data based on past investment performance It is possible to calculate a formal loan limit.

For example, a borrower who wishes to securitize highly privately held stocks as collateral can draw a high degree of securitization based on the stock investment credibility of the borrower.

Compared with what is called the standardized loan limit calculation method by the loan limit calculation method based on the stock investment reliability evaluation method based on the stock investment performance, the calculation method of the loan limit of the informal type is based on the intrinsic value of the non- The value can be calculated.

For example, if a unlisted stock of A shares can be loaned with a 30% to 50% mortgage rate, the mortgage rate at a 30% to 50% mortgage rate through an informal method (credit rating, Can be estimated.

However, even if the method of calculating the loan ceiling (credit rating, past transaction history, etc.) of the informal scheme is applied, the loan price is calculated to be closer to 30% than the actual 50%. This is due to the risk of unlisted stocks.

Therefore, in the peer-to-peer financial technology service method using stock security, according to the embodiment of the present invention, the stock investment reliability evaluation based on the stock investment performance can be performed, so that the informal method (credit rating, , It is possible to make additional lending limits for the lender by using a formalized method of evaluating the stock investment reliability of the evaluation target by integrating the investment performance of the absolute profit base and the investment performance based on the relative profit.

At this time, the additional loan portion can be calculated based on the transaction history. Therefore, the applicant for the loan should have a history of selling and selling unlisted stocks in the past. If the applicant wishes to buy or sell past B stock, he / she should submit a record of receipt or shipment to the Internal Revenue Service. This is because the National Tax Service needs this record for the purposes of identifying the securities transaction tax and the transfer tax. In addition, these records will remain even if the securities company transfers or pays them to others.

Accordingly, the financial service device for peer-to-peer financial technology service using stock security measures the past absolute return rate of the borrower through the warehouse / receipt records submitted to the National Tax Service and the transaction history of the securities company account, Based on the comparison index of the stocks, the relative return is also obtained, and the special investor (lender) can be classified and the additional loan can be automatically determined.

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

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

However, if the investment performance based on the absolute profit is reflected and the investment performance based on the relative profit is reflected, in the peer-to-peer financial technology service method using stock security, the meaning of stock investment reliability evaluation is properly implemented, Additional loan amounts can be elaborated.

Claims (10)

Performing a loan review based on the stock lending application information received from the first information terminal;
Performing the processing of data and electronic signals for causing the financial technical service apparatus to issue unreal stock quotes through communication with a storage support server and to stock the unrealized stock stocks as secured articles in a private safe;
The financial technical service apparatus receives data on the basis of the investment application information received from the second information terminal through communication with the financial support server and receives the data for executing the loan with the real- Performing processing of the electronic signal;
If the non-listed stock is received in the private safe, the financial technology service device periodically or irregularly evaluates the value of the collateral for the collateral item, and if the value of the collateral for the collateral item falls, Transmitting a security deposit additional deposit message; And
Wherein the financial technical service device performs processing of data and electronic signals for counter-selling or disposing of the collateral object if the deposit is not deposited according to the deposit deposit additional deposit message,
The stock-loan application information includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation level,
Wherein the stock investment trustworthiness rating grade is a rating calculated based on the stock investment performance of the lender of the lender and includes a first evaluation rating based on the absolute profit based on the return rate of the past stock trading information of the lender of the loan, Based on the second evaluation grade based on the relative profit, which is calculated by linking the grade with the rate of change of the market information,
The first rating is calculated on the basis of the investment performance based on the trading gains of each stock based on the past stock trading information of the loan applicant
A method of financial technology service based on peer - to - peer using equity security.
The method of claim 1, wherein the performing the loan review comprises:
Generating demand prediction request information for aggregating investment available funds to be invested in equity-linked lending using the demand forecast P2P platform, and transmitting the demand forecast request information to the second information terminal;
Receiving demand prediction result information from the second information terminal; And
And transmitting the notification message to the first information terminal if the collection amount is satisfied according to the demand forecast result information and transmitting the notification of the non-delivery notification to the first information terminal if the collection amount is not satisfied A Peer - to - Peer based Financial Technology Service Method Using Collateral.
delete The method of claim 1, wherein the step of processing data and electronic signals for performing the loan with the received unlisted stock object as collateral comprises:
Receiving an unlisted stock object submission completion message from the first information terminal or the archive support server; And
And evaluating whether or not the unlisted stocks are collateralizable.
5. The method of claim 4,
The financial technical service device receiving the collateral availability authentication request information from the first information terminal;
Transmitting, by the financial technology service device, the collateral possibility evaluation request information on the unlisted stock object to the financial support server; And
Receiving the assurance-enabling evaluation determination information from the financial support server, and transmitting the notifyable notice message to the first information terminal when the assurance is possible, and transmitting the non-notification message to the first information terminal if the assurance is not possible A method of financial technology service based on peer - to - peer using equity security.
2. The method of claim 1, wherein the step of processing data and electronic signals for putting the issued unlisted stock object as a secured object in a private safe comprises:
Receiving the collateral object acceptance request information from the first information terminal;
Receiving, by the financial technology service apparatus, the redemption condition contract completion information from the first information terminal; And
And a step of the financial technical service apparatus receiving the information on the completion of the real-time goods receipt of the private safe from the first information terminal.
The method according to claim 1,
The financial technical service apparatus communicates with the storage support server and periodically or irregularly receives the storage status information on the unlisted stocks actually received in the private safe to perform the stock storing and risk management process To-peer financial technology service method using stock security.
8. The method of claim 7,
The step of performing the physical stock keeping and risk management process includes:
And a step of regularly or irregularly receiving, from the archive support server, exclusive safe identification information, an exclusive safe deposit receipt authentication photograph, and receipt completion confirmation information, based on peer-to-peer financial technology service method using stock security.
A storage support server for processing data and electronic signals for storing unlisted stocks;
A financial support server for processing data and electronic signals for financial transactions; And
The method of claim 1, further comprising the steps of: performing a loan review based on the stock-based lending application information received from the first information terminal; delivering the unlisted real object through communication with the archive support server; And receives the investment fund based on the investment application information received from the second information terminal through communication with the financial support server, and transfers the real stock of the unlisted stock as collateral Wherein the unlisted stock plant carries out processing of data and electronic signals for executing a loan and performs periodic or irregular evaluation of the value of the collateral for the collateral item when the unlisted stock plant is put in the private safe, And transmits a security deposit additional deposit message to the first information terminal when the value is decreased, If dambogeum according to the gold deposit additional messages from being deposited includes a financial services unit that performs the processing of data and electronic signal for the opposite sale or disposal of the collateral,
The stock-loan application information includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation level,
Wherein the stock investment trustworthiness evaluation rating is an evaluation rating calculated based on the stock investment performance of a lender who wishes to borrow and includes a first evaluation rating based on an absolute profit based on a return rate of past borrower information of the borrower, Based on the second evaluation class based on the relative profit, which is calculated by linking the rate of change of the market information to the rating class,
The first rating is calculated on the basis of the investment performance based on the trading gains of each stock based on the past stock trading information of the loan applicant
Peer - to - peer financial technology service system using equity security. delete

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