KR101835725B1 - System and method for providing a virtual registration data on the lending mediation platform system - Google Patents

Abstract

The present invention relates to a loan platform system and a providing method. After obtaining a certified copy of the register for collateral (property including land and a building) corresponding to mortgage loan, expected registration data is generated by reflecting the bond information of an investor. It is possible to browse the registration data through an investor terminal. So, the investor may recognize the expected mortgage setting information, expected mortgage setting information, expected borrower information, and expected creditor information to be included in the certified copy of the register. The loan platform system includes a storage part, a reflection part, and a providing part.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for providing expected registration data on a loan brokering platform system,

More particularly, the present invention relates to a system and a method for providing a loan brokerage platform system, and more particularly, to a system and method for providing a brokerage platform system, To generate forecasted registrant data and make it available for viewing through the investor terminal, thereby enabling the investors to recognize the expected mortgage set-up information, estimated mood-setting information, estimated borrower information, and predicted creditor information to be described on the registered copy of the register A loan brokerage system and a method of providing the same.

In the conventional lending business, it is common that an individual who wishes to provide a loan provides his / her credit information to a specialized lending institution such as a bank or a loan company, inquires about a loanable condition, and applies for a loan. Thus, the current practice of lending led by banks or debtor firms is that it is difficult to protect the rights and interests of good loan applicants from collectors who have a high loan interest, fees and monopoly contracts with such institutions.

In addition, while the conventional loan market continues to grow, there are considerable inefficiencies and costs in transactions. In the case of loan transactions between a lender and an investor, the number and conditions of transactions are limited. In the case of loans between individuals and institutions, And related transaction costs are very high.

Therefore, it is possible to provide loans with an efficient loan brokerage service over the Internet, receive loans at a faster rate by receiving loan applications, collect loan amount from a large number of borrowers, provide loans to applicants, To provide loans at lower cost than market interest rates, and investors need to develop systems and methods that allow them to invest money in the lender of their choice.

Thus, the platform operator can receive the investment from a large number of investors and provide the loan to the borrower matched with the investor based on the investment amount. Here, in some cases, the platform provider may provide a loan to the lender through a contracted lender. In this case, investors will have a bond against the platform operator, and the lender will have a bond on the loan. If the borrower provides the principal to the lender, the platform provider will provide the investor with the remainder of the principal paid by the lender.

On the other hand, in case of mortgages on real estate (including land and buildings), it is important to clearly identify the requirements and changes in the right to change of real estate rights by checking a copy of the register such as land register or building register. In particular, since the matters concerning the establishment of the mortgage rights stated on the certified copies of the register may mean the legal claims of the creditor (for example, a financial institution or a lender establishing pledge), the investor shall not disclose It is necessary to confirm.

Therefore, in order to use online mortgage loans, investors should be informed about how to set up and disclose mortgage rights on a certified copy of the register before the execution of the mortgage loan, who will be described as creditors and debtor , And a system and a method for providing a service which can roughly predict the amount of the bond amount to be described.

Korean Patent No. 10-1495306

SUMMARY OF THE INVENTION An object of the present invention is to provide a method and apparatus for obtaining registered registration data for a collateralized object (real estate including land and buildings) corresponding to a secured loan and then generating the expected registration data by reflecting the bond information of the investor, To provide a loan brokering platform system and method for enabling investors to be aware of expected mortgage set-up information, anticipated borrower setting information, estimated borrower information, and predicted creditor information to be described on the registered copy of the register .

A loan brokering platform system according to an embodiment of the present invention is a loan brokering platform system for brokering a mortgage loan between a lender and an investor according to a loan request and an investment request received from each of a lender terminal and an investor terminal, A reflector for generating estimated registration data after reflecting the bond information, which is information on the bond held by the investor, on the current registration data; One of the current registration part data and the expected registration part data is read so that at least one selected from the group consisting of the current registration part data and the expected registration part data is read in response to the reading request upon receipt of the reading request for the registration part data, The service may include a service through which the investor terminal.

In one embodiment, the storage unit may store the current registered data input through the lender terminal or may acquire and store the current registered data from the registered data issuing server.

In an exemplary embodiment, the reflex part may use at least one of estimated mortgage-set-up information, anticipated mortgage-set-up information, anticipated pledge set-up information, estimated borrower information, and estimated-creditor information for the collateral object as the collateral object, Can be reflected.

In one embodiment, the providing unit may separately provide the current registration part data and the expected registration part data so that the state before the reflecting of the receipt information and the reflected after state on the investor terminal can be compared.

In one embodiment, the provider may provide a user interface (UI) to the investor terminal through which the bond information can be reflected before and after reflecting the bond information.

In one embodiment, the present invention may be configured with a CLOUD COMPUTING interface.

A method for mediating a mortgage loan between a lender and an investor according to a loan request and an investment request received from each of a lender terminal and an investor terminal through a loan mediating platform system, the method comprising: Storing the current registration part data for the collateral object corresponding to the collateral object in the acquisition and storage part, generating the expected registration part data after reflecting the receivable information, which is the information about the bond held by the investor, on the current registration part data, The present registration part data and the expected registration part data are read in response to the request for viewing the expected registration part data from the investor terminal so that at least one selected from the group consisting of the current registration part data and the expected registration part data is read, Anticipation registration And providing at least one of the sub data through the investor terminal.

In one embodiment, the step of storing in the acquisition and storage unit may include storing the current registration unit data input through the loaner terminal in the storage unit, obtaining the current registration unit data from the registering unit data issuing server, .

In one embodiment, the step of generating the predicted registrant data may include, in the reflex part, the expected mortgage-set-up information, the predicted mortgage-set-up information, the predicted pledge-set-up information, the estimated borrower information, And reflecting one or more of them on the current registration part data.

In one embodiment, the step of providing the predicted registration data may include storing the current registration data and the expected registration data in the provider, so that the state before and after the reflecting of the receipt information is comparable on the investor terminal And may be provided separately.

According to an aspect of the present invention, after acquiring a certified copy of a secured object (real estate including land and buildings) corresponding to a secured loan, it generates expected registration data by reflecting the bond information of the investor, Thereby making it possible for the investors to recognize the estimated mortgage set-up information, the estimated mood-setting information, the estimated borrower information, and the estimated creditor information to be described on the registered copy of the register.

1 is a schematic diagram illustrating a loan brokerage platform system 100 according to an embodiment of the present invention.
2 is a diagram illustrating a user interface 200 in which current registration data and predicted registration data are displayed on a web program executed through an investor terminal according to an embodiment of the present invention.
FIG. 3 is a diagram schematically showing current register data and predicted register data.
4 is a diagram schematically illustrating a status display icon 230 provided on the user interface 200 and indicating whether any of the current registered data and the expected registered data is displayed.
5 is a diagram showing a state in which a guide button 240 provided on the user interface 200 for guiding predicted registration data is provided to guide items displayed in predicted registration data.
6 is a view schematically showing a screen in which a user interface 200 is displayed on a corresponding mobile terminal environment, when the investor terminal corresponds to a PC environment and corresponds to a mobile terminal.
7 is a flowchart illustrating a process for providing predicted register data in accordance with one embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in order to facilitate understanding of the present invention. However, the following examples are provided only for the purpose of easier understanding of the present invention, and the present invention is not limited by the examples.

FIG. 1 is a schematic diagram illustrating a loan brokering platform system 100 according to an embodiment of the present invention. FIG. 2 is a flowchart illustrating a method of analyzing current registration data and a current brokerage data on a web program executed through an investor terminal according to an embodiment of the present invention. Figure 2 illustrates a user interface 200 in which expected registration data is displayed.

Referring first to FIG. 1, the loan mediating platform system 100 according to an embodiment of the present invention may include a storage unit 110, a reflector 120, and a provider 130.

Herein, the loan brokering platform system 100 includes a loan brokering platform system 10 for brokering a mortgage loan between a lender and an investor according to a loan request and an investment request received from each of the lender terminal 1 and the investor terminal 2 The loan intermediation platform system 10 may be configured to include a device capable of transmitting and receiving data with the lender terminal 1 and the investor terminal 2 and processing the information. For example, the loan brokering platform system 910 may be configured based on the CLOUD COMPUTIN interface. According to the embodiment, the loan brokering platform system 10 includes a platform operating unit (not shown) configured by a platform operated by a platform operating company operating a platform for brokering a loan, and a financial institution contracted with the platform operating company And a loan execution unit (not shown) configured by a server operated by a loaner and an executor. At this time, the platform operation unit and the loan execution unit can be implemented on one server.

The loaner terminal 1 and the investor terminal 2 may be connected to the loan brokering platform system 10 via an application program or a web program installed in each terminal to transmit and receive data. The loaner terminal 1 and the investor terminal 2 may be terminal devices including input / output devices such as a smart phone, a PC, a PDA, a laptop, a tablet PC, and an information processing device, but are not limited thereto.

The storage unit 110 may acquire the current registration data for the collateral object corresponding to the collateral loan on the loan intermediation platform system 10 that mediates the collateral loan. In one embodiment of the present invention, the collateral corresponding to a mortgage can be a mortgage, a mortgage or a pledged real estate (land, building, etc.) It may mean a certified copy of the register.

Accordingly, the storage unit 110 can acquire public data as to whether there is a legal disqualification reason as a collateral object by acquiring and storing current registration data (registration copy) for the collateral object (real estate) .

The storage unit 110 may store current registration data directly input from the borrower through the lender terminal 1, and may inquire the real estate information from the registration data issuing server (e.g., a Supreme Court Internet registry server) May be acquired and stored. Here, the registered data data issuing server may mean, for example, an external server storing the original copy of the registered copy.

In this case, the storage unit 110 may be implemented as a remote storage medium having a network environment so as to be connectable to the registered data data issuing server, or may be configured through a physically stored storage medium.

When the investment request is received from the investor terminal 2, the reflecting unit 120 reflects the bond information, which is information on the bond held by the investor, on the current registration unit data stored in the storage unit 110, Based on this, it is possible to generate predicted register data.

More specifically, the current registration data includes the location number, the name of the building, the name of the building, the building details including the number, the landmark, and the area, the cause of registration, the exclusive area and land share, the rank number, And a right holder. Here, the reflector 120 may reflect the bond information in an item such as a rank number, a registration purpose, a registration receipt date, a registration cause, a right holder, and the like.

For example, ranking numbers such as 1, 1-1, 2, etc. may be reflected in the ranking number item as expected, and contents such as the mortgage setting and the neighborhood setting may be anticipated in the registration target item.

In addition, contents such as No. 122677 on January 2, 2017 may be reflected in the date of receipt by anticipation, and the reasons for registration such as setting contract, termination, etc. may be reflected as expected.

In the right holder category, information such as the amount of the maximum amount of the bond, the information of the debtor, and the creditor (the lender who sets the pledge) can be anticipated.

That is, the reflecting unit 120 reflects the creditor information including the predicted mortgage-set-up information, the anticipated credibility setting information, the anticipated pledge information, the predicted debtor information, and the predicted creditor information on the current registration unit data to the investor, When the loan is executed, it can be confirmed that the contents will be reflected and described on the copy of the registration book. Here, the predicted creditor information may refer not to an investor who invests in a collateral object through the investor terminal 2 but to a financial institution (for example, a loan company, etc.) that sets a pledge for the collateral object.

In addition, in addition to the above examples of the bond information, there may be a variety of items listed on the certified copy of the collateral for the collateral, and the reflecting unit 120 distinguishes the bond information so as to correspond to the items on the various registered copies, . ≪ / RTI >

In the meantime, in the embodiment of the present invention, the predicted registration data refers to data indicating the expected mortgage, the middleman, and the pledge to be displayed on the current registration data (a formal registration certificate issued from the registration data issuing server) This means that the actual bond information is not displayed on the certified copy of the register, which means that the bond information can be reflected on the final copy of the certified copy of the register through legal process after the loan is normally executed.

Therefore, the expected registration data according to an embodiment of the present invention and the final contents of the certified copy of the registration through the legal procedure after the loan has been executed normally can be anticipated to coincide.

When the request for viewing the current registration data or the expected registration data is received from the investor terminal 20, the provider 130 transmits the expected registration data to the investor terminal 2 through the investor terminal 2 It is possible to display it on the screen of the investor terminal 2 by providing the current registration part data and the predicted registration part data. That is, when the user of the investor terminal 20 wants to view the registered data, the investor terminal 20 inputs the corresponding user input to the investor terminal 20, and the investor terminal 20 requests the viewing request for the current registered data, To the platform system 100. In this case, the supplier 130 of the loan brokering platform system 100 may provide current register data to the investor terminal 20. Alternatively, when the user of the investor terminal 20 wants to view the expected registration data, the user terminal 20 inputs the corresponding user input to the investor terminal 20, and the investor terminal 20 transmits a viewing request for requesting the estimated registration data To the platform system 100. In this case, the provider 130 of the loan brokering platform system 100 may provide the investor terminal 20 with the expected registration data. However, the present invention is not limited thereto. According to the embodiment, the provider 130 of the loan brokering platform system 100 may provide the registered registration data and the expected registration data to the investor terminal 20 together.

More specifically, the loaner terminal 1 and the investor terminal 2 access the website provided by the loan intermediation platform system 10 by executing an application installed in the loaner terminal 1 or the investor terminal 2, The user interface 200 as shown in FIG. The investor terminal 2 selects either the first button 210 or the second button 220 provided on the user interface 200 to view the current registered portion data before the receipt information is reflected or the estimated registered portion data Can be browsed.

For example, the first button 210 may include a phrase such as 'reading a registered copy before investment', and the second button 220 may include a phrase such as 'reading a registered copy after investment'. Accordingly, when the first button 210 is selected through the investor terminal 2, the current registration data in which the bond information is not reflected can be received from the storage unit 110 and displayed on the screen of the investor terminal 2 . Here, the first button 210 may correspond to a user interface for displaying the current registration data corresponding to the state before the receipt information is reflected on the investor terminal 2, and the second button 220 may correspond to a user interface It may correspond to a user interface for causing the investor terminal 2 to display estimated registration part data corresponding to a state in which information is reflected. Accordingly, the first and second buttons 210 and 220 correspond to a user interface, and various user interfaces such as a check box and a drop box can be applied.

Also, when the second button 220 is selected through the investor terminal 2, the estimated registration data reflecting the bond information may be received from the reflection unit 120 and displayed on the screen of the investor terminal 2. [

That is, the providing unit 130 may provide the current registration data or provide the expected registration data according to the selection of the first button 210 and the second button 220 from the investor terminal 2, It is possible to confirm the state before and after the receipt of the receivable information is reflected, so that it becomes possible to clearly recognize the estimated loan setting information, the estimated borrower information, and the estimated creditor information.

3 is a view schematically showing the current registration data and the expected registration data. FIG. 3 (a) is a view showing current registration data in which the receipt information is not reflected, and FIG. 3 (b) Of the estimated record data.

In FIG. 3 (b), 'A' may refer to estimated mortgage information, estimated borrower information, and final bond information reflecting expected creditor information. As 'A' is written on the expected registration data, It is possible to predict the description contents.

In the meantime, in FIG. 3 of the present invention, the present registration part data before the entry of the rights change is shown separately from the expected registration part data after the entry of the rights change. However, the present registration part data is first displayed on the screen (For example, a dynamic animation technique in which expected registration data is added on the current registration data, a dynamic animation technique in which the changed items are moved from the outside of the screen to the inside of the screen) Or added to the lower area of the data, or animated techniques in which the changes are rotated).

With this dynamic animation technique, the user can more clearly recognize the changes in the registration data at present, by expressing the expected registration data.

In another embodiment, when the loaner terminal 1 or the investor terminal 2 according to the present invention is a mobile terminal, the mobile terminal displays the current registration data through an operation in which the mobile screen is swiped leftward or rightward Or predicted register data may be displayed. Accordingly, the user using the mobile terminal can easily recognize the current or anticipated register data without making a separate screen pop up or a separate screen switching operation.

In another embodiment, the current registration data and the expected registration data may be displayed on the screen, but an animation method may be applied in which contour lines are displayed in a different color or the outline is flickered for the changed contents of the expected registration data.

By expressing the changes through these outlines, the user can more realistically recognize the actual changes in the expected register data.

Also, in this specification, when the investor using the investor terminal 2 selects or touches the first button 210 and the second button 220, it is described that the current registration data or the expected registration data is displayed on the screen. However, In the embodiment, when the investor terminal 2 is an electronic device operated with an electronic input mechanism such as a mouse, a touch pen, etc., the mouse cursor is positioned on the first and second buttons 210 and 220, 1 and the second buttons 210 and 220, the contents corresponding to the first and second buttons 210 and 220 may be displayed through a pop-up image format.

In addition, if the investor terminal 2 is an electronic device including a pressure-sensitive type touch pad, a pressure sensitive type touch screen, etc., in one embodiment, depending on the intensity of the first and second buttons 210 and 220, Data or expected register data can be displayed in pop-up image format. Accordingly, it is possible to prevent the investor who uses the investor terminal 2 from selecting the first and second buttons 210 and 220, or by touching or clicking the buttons 210 and 220, to switch the screen.

In the meantime, the items in which the current registration data or the predicted registration data are displayed in the pop-up image format according to the intensity of pressing the first and second buttons 210 and 220 is that a force, which is implemented in an electronic device such as an iPhone or an iPad Touch technology (pressing force contact technique, force touch, 3D touch) can be applied, so detailed implementation principle will be omitted. It should be noted that the ForceTouch technology described above is not limited to the technology of Apple, but may be applied to any known conventional pressure sensor technology.

In a preferred embodiment of the present invention, when the investor terminal 2 corresponds to a mobile terminal (for example, a smart phone, a tablet PC, or the like), a screen of the mobile terminal is displayed on the screen of the mobile terminal, In the case of touching (or selecting) once or touching (or selecting) more than once, the expected registration data reflecting the changes in rights can be displayed in a pop-up image format or displayed in an overlapping manner.

4 is a diagram schematically showing a status display icon 230 provided on the user interface 200 and indicating whether any of the current registered data and the expected registered data is displayed. A separate status check icon 230 that indicates whether the registered portion data currently displayed on the screen of the investor terminal 2 is the registered portion data or the expected registered portion data can be displayed on the user interface 200, Can be recognized through the status check icon 230.

Also, in the embodiment of the present invention, the user interface 200 displayed on the screen of the investor terminal 2 may guide the method of reading the registration part data by describing each item of the current registration part data or the expected registration part data. As follows.

5 is a diagram showing a state in which a guide button 240 provided on the user interface 200 for guiding predicted registration data is provided to guide items displayed in predicted registration data. Referring to FIG. 5A, 5 (b), when the guide button 240 provided on one side is touched (or selected), the predictive registration data is displayed on the screen of the pop-up image format . ≪ / RTI > Thus, a user who is not familiar with how to read the registration data can more smoothly check the contents of the current or expected registration data.

5, the guide button 240 can be displayed on the predictor registration data displayed on the screen of the lender terminal 1. In addition to the predicted registration data, The guide button 240 can be displayed on one side of the current registration part data on the user interface 200 even if the current registration part data is displayed.

In this case, when the guide button 240 is touched (or selected), the announcement items may be displayed in a pop-up image format for each item of the current registration part data.

6 is a view schematically showing a screen in which a user interface 200 is displayed on a corresponding mobile terminal environment, when the investor terminal corresponds to a PC environment and corresponds to a mobile terminal.

6A shows a screen in which a user interface 200 is displayed on an environment of a mobile terminal (for example, a smart phone or a tablet PC), FIG. 6B shows a screen on which a user interface 200 is displayed on a PC environment (for example, a desktop PC, a notebook, And a screen on which the user interface 200 is displayed.

The user interface 200 displayed on the PC environment can be displayed on a display screen of the mobile terminal 200. The user interface 200 displayed on the PC environment can be displayed on a display Since the resolution and screen size can be large, a larger amount of data can be displayed in one page.

On the other hand, when the investor terminal 2 corresponds to the mobile terminal, it may be difficult to display all contents of current or expected registration data on a small screen of the mobile terminal. Thus, in one embodiment of the present invention, The contents of the current registration data or the expected registration data can be processed and displayed according to the terminal screen.

More specifically, in one embodiment of the present invention, the contents of the registration data (current registration data or predicted registration data) are displayed on a mobile terminal screen of a limited size, and all contents (e.g., various forms, tables, special characters, The summary data can be provided by summarizing only the essential contents.

To this end, in the present invention, the character currently displayed in the register data or the predicted register data is automatically recognized using a character reading technique through an optical character reader (OCR) or the like, and an essential item among the recognized characters The billing information, the creditor information, and the like), extracts summary data from the extracted data, and displays the summary data according to the display resolution of the mobile terminal.

In addition, according to the loan broking platform system 100 or the loan brokering method according to the embodiment, when the user of the investor terminal selects (e.g., touches or clicks) any of the items displayed in the displayed summary data, It is possible to display only the information on the selected items of the data currently included in the registration part data or the estimated registration part data on the investor terminal. By providing such a user interface, the user can easily view the registration data even in a mobile environment.

Accordingly, the user can effectively recognize the contents of the current or predicted registration data even through a small-sized mobile terminal screen.

Next, the process of providing the expected registration data on the loan brokering plot form system will be described in turn with reference to FIG.

Figure 7 is a flow chart illustrating a process for providing predicted register data in accordance with one embodiment of the present invention.

Referring to FIG. 7, in a method for intermediating a secured loan between a lender and an investor, the storage unit 110 acquires and stores current registration data for a collateral object corresponding to the secured loan (7401). Here, as a method of acquiring registration data at present, it is possible to store current registration data directly input from the lender terminal 1. [ Or a method of accessing the registration data data issuing server through the network and issuing and storing the current registration data.

Next, as the investment request is received from the investor terminal 2, the reflecting unit 120 reflects the bond information of the investor on the current registration unit data, and generates the expected registration unit data based on the received bond information (S702). At this time, the bond information may mean the establishment of the expected mortgage, the establishment of the mortgage, the result of the pledge.

Next, in response to receiving a request for viewing the estimated registration data from the investor terminal 2, the provider 130 provides expected registration data to the investor terminal 1 to be browsed (S703) The current or estimated registration data is provided to the investor terminal 1 to be read.

In this specification, a registered copy of real estate is exemplified. However, in addition to the real estate, it is also possible to provide a document (for example, a change in intellectual property rights, a change in the name of a vehicle, etc.) Etc.).

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the present invention as defined by the following claims It can be understood that

In addition, one embodiment of the present invention may be embodied in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other transport mechanisms, and includes any information delivery media.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

1: lender terminal
2: Investor terminal
10: Loan brokerage platform system
100: Loan brokerage platform system
110:
120: Reflector
130: Offering

Claims (10)

A loan mediation platform system for mediating a mortgage loan between a lender and an investor in accordance with a loan request and an investment request received from each of a loaner terminal and an investor terminal,
A storage unit for acquiring and storing current registration data for a collateral object corresponding to the secured loan;
Information on the bond held by the investor on the current registration data and reflecting the bond information including the expected mortgage set-up information, the anticipated bond-setting information, the predicted pledge setting information, the predicted debtor information, and the predicted creditor information on the collateral object A reflector for anticipating and generating the predicted registrant data so that the predicted registrant data is consistent with the final contents of the actual registrant copy through the legal procedure after the loan is normally executed; And
The present registration part data and the expected registration part data are read in response to the request for viewing the expected registration part data from the investor terminal so that at least one selected from the group consisting of the current registration part data and the expected registration part data is read, Providing the at least one of the estimated registration data and the expected registration data through the investor terminal so that the current registration data and the expected registration data are separately provided on the investor terminal so that the pre- And providing a user interface (UI) to the investor terminal through which the investor terminal can select the state before and after reflecting the bond information,
The current registration data and the expected registration data provided through the provider are displayed by the dynamic animation technique on the current registration data after the current registration data is displayed on the screen of the investor terminal or the expected registration data is displayed on the screen of the investor terminal The current registration data and the expected registration data are displayed by a swipe technique in which the data of the current registration part and the expected registration part are selectively displayed or the outline of the separate color is blinked Animation technique or a force touch technology in which current registration data or predicted registration data is displayed in a pop-up image format according to the intensity of the screen of the investor terminal is displayed, If the current register data select screen is displayed multiple times in the state, it is expected to register display data is overlapped with the pop-up image formats, and also
Wherein the providing unit displays the current registration data and the expected registration data on the screen of the investor terminal, and automatically displays the current registration data or the characters displayed in the expected registration data using a character reading technique through an optical character reader (OCR) Extracts at least one of the address of the collateral object, the security setting of the collateral, the pledge information, the debtor information, and the creditor information among the recognized characters, generates the summary data based on the extracted items, And displays only selected items on the screen of the investor terminal when the specific items are selected from among the extracted items.
The method according to claim 1,
Wherein,
Stores the current registration data inputted through the lender terminal, or
And acquires and stores current registration data from a registration data issuing server.
delete delete delete delete A method for mediating a mortgage loan between a lender and an investor according to a loan request and an investment request received from each of a lender terminal and an investor terminal through a loan mediation platform system,
Storing the current registration data for the collateral object corresponding to the secured loan in the acquisition and storage unit;
The information on the bond held by the investor on the current registration data at the reflection unit and the bond information including the anticipated mortgage set-up information, the anticipated bond-setting information, the anticipated pledge setting information, the predicted debtor information, Generating anticipated registration portion data such that the expected registration portion data and the final registration portion of the actual registration portion through the legal procedure coincide with the expected registration portion data after the loan is normally executed; And
The present registration unit is configured to receive at least one selected from the group consisting of the current registration unit data and the expected registration unit data in response to the browse request in the providing unit upon receiving a request for viewing the expected registration unit data from the investor terminal, Data and the predicted registration data through the investor terminal, and the current registration data and the expected registration data are separately stored in the investor terminal so that the state before reflecting the bond information and the reflected state can be compared with each other And providing a user interface (UI) to the investor terminal through which the creditor information is reflected and the state after reflecting through the investor terminal,
The current registration data and the expected registration data provided through the provider are displayed by the dynamic animation technique on the current registration data after the current registration data is displayed on the screen of the investor terminal or the expected registration data is displayed on the screen of the investor terminal The current registration data and the expected registration data are displayed by a swipe technique in which the data of the current registration part and the expected registration part are selectively displayed or the outline of the separate color is blinked Animation technique or a force touch technology in which current registration data or predicted registration data is displayed in a pop-up image format according to the intensity of the screen of the investor terminal is displayed, If the current register data select screen is displayed multiple times in the state, it is expected to register display data is overlapped with the pop-up image formats, and also
Wherein the providing unit displays the current registration data and the expected registration data on the screen of the investor terminal, and automatically displays the current registration data or the characters displayed in the expected registration data using a character reading technique through an optical character reader (OCR) Extracts at least one of the address of the collateral object, the security setting of the collateral, the pledge information, the debtor information, and the creditor information among the recognized characters, generates the summary data based on the extracted items, And displays only selected items on the screen of the investor terminal when the specific items are selected from among the extracted items.
8. The method of claim 7,
Wherein the acquiring and storing step includes:
Storing the current registration data input through the loaner terminal in the storage unit; And
And acquiring current registration data from the registration data issuing server and storing the obtained registration data in the storage unit.
delete delete

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