KR101899217B1 - Method for finance technology service for deposit money loan of stock allocated and apparatus thereof - Google Patents

Abstract

In the method of providing a financial technology service for a loan of a placement stock according to an embodiment of the present invention, the financial technical service apparatus includes a stock information and loan condition information allocated for applying for a placement stock payment loan from the first information terminal And can receive loan application information. The financial technical service device can open an investment product based on the loan application information and receive the investment application information on the investment product opened from one or more second information terminals and perform the investment attraction process so as to deposit the investment money . The financial technical service apparatus can execute the data and electronic signal processing for transferring the loan to the designated account by executing the payment of the payment of the placement stock with the guarantee of payment based on the shares allocated using the deposited investment have. The financial technology service device can carry out the process of payment of interest payment and investment payment according to the payment of the placement stock payment by communication with the financial support server.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for providing a loan to a company,

The present invention relates to a financial technology service method and apparatus for the payment of a placement stock payment loan, and more particularly, to a method and apparatus for providing a financial technology service for the payment of a placement stock payment loan, The present invention relates to a financial technology service method and apparatus for a loan.

The stock market can provide investors with funding opportunities and new investors through new listing of new companies. Although there are some differences depending on the situation of the stock market and the value of the new company, investors' interest in the newly listed company is high. Statistically, investing in newly listed stocks has a relatively high return. Therefore, investors feel the need for fund raising to receive more stocks that are expected to have high returns.

On the other hand, investors may hesitate to subscribe to newly listed stocks despite their high returns. The main reason for this is that the general rate of subscription competition is high, the number of shares to be allocated is small, and the remaining amount is paid as non-current assets without interest, so that even if the return per share is high, the overall return on investment funds may not be high. For example, if an investor submits a subscription for a subscription of 10 million won, the subscription rate of 100: 1 will actually allocate 100,000 won worth of subscription to the investor. Therefore, even if the return per share is 100%, the actual return on investment is only 1%.

The IPO is the amount investors receive before listing. 10 ~ 20% of the volume is received by individuals, 10 ~ 20% is received by our employees (employees), and 60 ~ 80% is received by institutional investors.

Domestic institutional investors will be around 300 or so. About 100 of them have hundreds of billions of won in capital, about 100 billions in capital, and about 100 billions of usable funds.

On the other hand, IPOs are listed on 50 ~ 80 stocks annually. In many cases, about 10 are listed on a monthly basis.

Even if you receive 100 million won for each event, you will have to have over 1 billion extra funds to receive the stock. However, in the case of good stocks, it is not a stock that is sold on the day of listing, but it can make a bigger profit by applying for the amount of stock that is sold after a certain period after listing.

For example, if the quantity of the raw material is 1, there is a difference between 7 weeks after the market, 15 days after the market, 1 month after the market, 3 months after the market, 6 months after the market, Up to 20 times the amount of water can be received.

However, there is a problem that the capital should be 1 billion. Among institutional divisions, 100 institutional investors with weak capital are unable to hold such opportunities because they do not have the money.

Financial institutions do not lend collateral to their allocated collateral. The payout date is usually 15 days before the listing date, and the paid-in price to pay for the assigned shares is 7 days before listing.

Until this time, it is said that it is allocated to the figure of computation, and there is no stock in the securities account of the institution.

Since the stocks are entered into each securities account on the day of the listing, the date when the payment is required to be paid to the stock that has been allocated and the date on which the stock can actually be confirmed is incorrect. This does not fit.

The major shareholder has to put the receivables appropriately at that time, but that is not enough.

Also, in the case of paid-up stocks, for example, if a shareholder of a company with 100 shares maliciously scrambles three shareholders, 100 shares are paid for 100 shares, and a share of 100 million shares a week is required. If one person has 10 million won and one person is not at all, then the rich person can buy the amount of the unfaithful amount that is not available because the other two have no money.

On the other hand, in addition to publicly traded stocks, stocks allocated to paid-in stocks may include stocks that have been sold for a certain period of time.

For example, the amount of stocks that have been restricted for a certain period of time includes, for example, the amount of stocks that have been protected before the IPO by financial institutions other than treasury stocks, venture capital (VC) . ≪ / RTI >

As a result, investors are able to participate actively in the stock market and provide stable and high yields by funding the payment of the amount of stocks that have been sold for a certain period of time There is a need for a method of lending the placement stock to provide an opportunity for the placement.

Meanwhile, peer-to-peer (P2P) lending is a new form of lending, in which a large number of investors, rather than banks or financial investors, collect money and lend it directly to individuals or corporations.

P2P loans can be saved online by all procedures, which can reduce recruitment costs and labor costs. Investors can earn higher profits than bank interest rates. Investment targets are easier than banks and borrowers with lower interest rates than gold The market is growing rapidly due to various advantages such as the possibility of being able to do so.

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.

As such, P2P loans are more convenient than traditional financial transaction methods, offer lower interest rates to loan applicants, and provide relatively high returns to investors in low-interest environments. .

Therefore, it is necessary to provide a way to make lending to the borrower promptly through P2P loan for the stock paid price including the IPO.

In addition, in the process of investing with P2P loan, if the borrower cancels the proceeding of the payment of the placement stock payment due to remorse, the investor who invested the loan in relation to the loan will bear the loss that misses the opportunity of other investment Therefore, appropriate measures are needed.

A problem to be solved by the present invention is to provide a financial technology service method and apparatus for borrowing a placement stock payment loan that provides a placement stock payment loan service with a guarantee of payment based on allocated shares.

Another object to be solved by the present invention is to provide a system and a method for providing a loan to an investor by making it possible for an investor to open an investment item based on loan application information, If there is a cancellation of the loan proceeding while the attraction is completed or proceeded, the invested money and the platform fee are refunded to the investor's account, thereby making it possible for the lender to make a quick lending. And provide a financial technology service method and apparatus for borrowing a placement stock payment loan that can enhance motivation for early participation in investment attraction.

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 one aspect of the present invention, in a financial technology service method for a payment of a placement stock payment, a financial technical service apparatus transmits, from a first information terminal, information including stock information and loan condition information allocated for application of a placement stock payment loan And can receive loan application information. The financial technical service device can open an investment product based on the loan application information and receive the investment application information from the one or more second information terminals for the investment product and perform the investment attraction process so as to deposit the investment money have. The financial technical service apparatus can execute the data and electronic signal processing for transferring the loan to the designated account by executing the payment of the payment of the placement stock with the guarantee of payment based on the shares allocated using the deposited investment have. The financial technology service device can carry out the process of payment of interest payment and investment payment according to the payment of the placement stock payment by communication with the financial support server.

Here, the financial technology service device may include the result of forecasting institutional demand for the stocks allocated to the corresponding information based on the loan application information received from the first information terminal, the result of the subscription and assignment, The maximum lending ceiling can be determined based on at least one of the differences in the stock prices assigned to the customer.

In this case, the result of the agency demand forecast is at least one of participation number of participating institutions, competition rate, number of trusted institutions, size of institutional capital, presence of commitment condition allocation, pension fund, mutual aid society, .

On the other hand, the financial technology service device can display the subscription appeal rate and the quantity and amount of the allocation expected when the stock subscription allocated as a fee is proceeded to the first information terminal.

On the other hand, the financial technology service device can display the information on the amount of available stocks allocated to the lender to the first information terminal, for each securities company that is responsible for the assignment, payment, distribution, etc. from the subscription of the stock.

Further, the financial technical service apparatus proceeds the demand forecast investigation of the placement stock payment loan through the communication with the second information terminal based on the loan application information received from the first information terminal, 1 to the information terminal.

At this time, the financial technology service device can receive the loan application information including the loan condition information that is reflected from the demand prediction investigation result information from the first information terminal.

According to another aspect of the present invention, there is provided a financial technology service device, which is provided with a stock information and a loan condition information, which are received from a first information terminal for a financial technology service for a placement stock payment loan, A data storage unit for storing loan application information, investment product information, and investment application information, which are included, and a processor.

Here, the processor may receive the loan application information from the first information terminal and open an investment product based on the loan application information. The processor can receive the investment application information for the investment product opened from the one or more second information terminals and perform the investment attraction process so that the investment can be deposited. The processor can process data and electronic signals to transfer the loan to the designated account by executing the payment of the placement share payment with the payment guarantee based on the shares allocated using the deposited investment. The processor can process the interest payment and investment payment process according to the placement stock payment loan.

According to another aspect of the present invention, there is provided a financial technology service method for a payment of a placement stock payment loan, wherein a financial technical service device receives a loan application including stock information allocated for applying for a placement stock payment loan from a first information terminal Information can be received. The financial technical service device is a system in which the demand for institutional demand forecasted for the stocks allocated to the corresponding information based on the loan application information received from the first information terminal, the results of the subscription and assignment, The maximum loan limit can be determined based on at least one of the differences in stock prices. The financial technical service apparatus can execute the data and electronic signal processing for transferring the loan to the designated account by executing the payment of the payment of the placement stock with the guarantee of payment based on the shares allocated using the deposited investment have. The financial technology service device can carry out the process of interest payment and investment payment payment according to the payment of the placement stock payment.

The financial technical service apparatus according to another aspect of the present invention includes a loan including stock information allocated for applying for a placement stock payment loan received from the first information terminal for financing technology service for the placement stock payment loan A data storage unit for storing application information and loan product information, and a processor.

Here, the processor receives the loan application information from the first information terminal, and based on the loan application information, the agency demand forecast result for the assigned stock, the subscription and assignment result, the stock price The maximum loan limit can be determined according to at least one of the differences between the two. The processor can process data and electronic signals to transfer the loan to the designated account by executing the payment of the placement share payment with the payment guarantee based on the shares allocated using the deposited investment. The processor can process the interest payment and investment payment process according to the placement stock payment loan.

According to the present invention, an investment product is established by receiving loan application information for applying for a placement stock payment loan from a first information terminal for a placement stock payment loan, and a process for attracting money to one or more second information terminals . Thereafter, the payment of the payment of the placement stock is executed with the payment guarantee based on the stocks allocated using the deposited investment, and the interest payment and the investment payment process are executed according to the loan of the placement stock.

Accordingly, by linking a lender who wishes to make a payment for placement stock and a plurality of investors who want to invest their own cash assets in the loan of the placement stock, Can be given an opportunity to earn a return on investment.

Also, according to the present invention, based on the loan application information for the placement stock payment loan received from the lender, the agency demand forecast result for the allocated stock, the result of the subscription and assignment, general offer subscription result, It is possible to determine the maximum loan limit according to at least one of the differences in stock prices assigned as a paid-in price, and to carry out the loan service for the placement stock payment.

As a result, it is possible to open an investment product in advance of the stock offer date assigned as a paid-in case when proceeding with the investment inducement process for the loan of the placement stock using the P2P loan, so wait until the offer date Since it is not necessary to determine the maximum loan amount considering the competition rate, the investment attraction can be completed early and stable.

Also, according to the present invention, even if the allocated shares are listed on the stock market before the listing date, the payment of the placement stock payment is executed with the guarantee of the payment based on the shares allocated. Therefore, even if the allocated shares are not in stock accounts, the collateral value of the assigned shares can be given to allow the borrower to make the funds more flexible and to allocate more stocks to maximize the return on the assigned shares .

Further, according to the present invention, after the platform fee is paid together with the loan application for the placement stock payment loan, the investment item opened based on the application information of the loan is made available for the investors to view, and the investment attraction is proceeded. In addition, if there is a cancellation of loan progress while the investment attraction is completed or proceeded, the deposited investment and platform fee are refunded to the investor's account.

In addition, the platform fee is refunded to the investor if the investment is stopped due to the remorse of the lender. Accordingly, it is possible to reduce the dissatisfaction that investors may have with respect to the platform by providing the investors with a return benefit of canceling the loan progress of the borrower during the loan of the placement stock payment proceeds.

In addition, in terms of investors, even if the borrower withdraws the investment due to the annulment before the start of the investment for the payment of the loan for the payment of the dividend payment fund, the investor who participated early in attracting the investment, You can get a refund. As a result, it is possible to provide return profits for investors who have invested early, so that the motivation for early participation in attracting the investment is strengthened and the investment can be completed early.

In addition, as for the borrower side, if the platform fee is paid together with the application of the loan payment for the placement stock, the investment product is opened based on the loan application information without a separate loan examination process, Can be achieved.

In case of volatility like the stocks assigned at the time of P2P loan, the investors are required to conduct a demand forecast survey on the payment of the placement stock payment loan and apply for the payment of the placement stock payment loan based on the data collected from the demand forecast survey You can make your loan go faster.

According to the present invention, when there is a volatility such as stocks allocated in the P2P loan process, a reasonable value can be calculated.

According to the present invention, a loan applicant can receive a loan even if there is a volatility such as assigned stocks by appropriately interlocking the payment of the placement stock payment loan, the peer to peer loan and the crowd funding through the Internet-based technology, Investors can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, it becomes possible to provide liquidity through precise value analysis of allocated stocks which can not easily calculate a loan amount.

According to the present invention, it is possible to secure stability for the investors by putting the payment of the placement stock payment on individual products.

According to the present invention, by investing the investment in stocks and investing the stocks in the P2P loan era, the stock investor (borrower) assigned to the stock investor and the individual borrower (investor) It became possible.

FIG. 1 is a view for explaining the concept of a financial technology service for the payment of a placement stock payment loan according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining a financial technology service system for the payment of a placement stock payment loan according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service apparatus in a financial technology service system for a placement stock payment loan according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method of providing a financial technology service for a payment of a placement stock payment loan according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a demand forecasting investigation process in a financial technology service method for a placement stock payment loan according to an embodiment of the present invention.
FIG. 6 is a view for explaining a process of refunding investment funds and a platform fee in financial services for a placement stock payment loan 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 view for explaining the concept of a financial technology service for the payment of a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 1, a financial technical service for a placement stock payment loan according to an embodiment of the present invention may be provided by a financial-based technical service company 1. Here, the financial technology service company (1) may be an investment recruitment-based loan financial technology service company. For example, a P2P-based financial technology service company. However, the present invention is not limited thereto.

A financial technology service company (1) has a business alliance with an investment adviser (2) that performs valuation of assigned shares and a partner financial institution (3) that performs interest and principal repayment procedures, (4) and investors (5) who want to invest their cash assets in a crowd-funded way by using P2P loan method, and perform financial technology service for the payment of the placement stock payment loan. Here, the investment adviser (2), the affiliated financial institution (3), the borrower (4), and the investor (5)

In the case of price volatility such as a public offering or an assigned stock, the financial technology service company (1) conducts a demand forecasting survey through the investor (5), and then measures the demand for the stock You can evaluate the value and decide whether you can borrow or not. Accordingly, the borrower 4 may modify the loan condition in the loan application information so as to correspond to the demand forecast result.

Financial technology service for the payment of the placement share loan of the financial technology service company (1), when the platform usage fee is paid without the separate loan review process for the stock allocated for the payment, the loan account to be used as the paid- The lump sum payment for the loan to the borrower can be made.

In addition, the financial technology service for the lending of the placement shares of the financial technology service company (1) is carried out by collecting the funds of the investor (5) who wants to invest the cash assets possessed by the crowd funding method to the lender.

To this end, the financial technology service company (1) receives the loan application for the payment of the placement stock from the borrower (4). In order to make a loan for the payment of the placement stock, the financial technology service company (1) must belong to the contested public offering stock which is set to be able to borrow the placement stock through the evaluation of the stock allocated in advance.

For this purpose, the financial technology service company (1) can refer the investment adviser (2) to the value appraisal request for the stocks assigned to be paid by the lender (4). The investment adviser (2) can estimate the value of the stocks allocated to the requested compensation and provide it to the financial technology service company (1). The financial technology service company (1) can select the stocks subject to the payment of the placement stock with reference to the value of the stocks allocated to the stocks calculated from the investment adviser (2).

Meanwhile, the financial technology service company (1) receives an investment application from the 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 crowdfunding to form funds for a particular purpose. Preferably, the investor 5 invests the cash funds in a crowd-funded manner and is able to receive a return on investment such as interest income or equity interest.

The affiliated financial institution (3) may receive the investment money from the investor (5) who has been approved by the financial technology service company (1) to apply for investment.

The affiliate financial institution 3 executes the loan to the lender 4 who has been approved by the financial technology service company 1 and performs the interest and principal repayment procedure periodically or irregularly from the lender 4 .

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, ).

FIG. 2 is a diagram for explaining a financial technology service system for the payment of a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 2, the financial technology service apparatus 100 in the financial technology service system for the placement stock payment loan according to an embodiment of the present invention includes an advisory support server 200, a financial support server 300 ), The first information terminal (400), the second information terminal (500), and the subscription support server (600) to process and communicate various data and electronic signals for financial technology services .

The financial technology service apparatus 100 may be configured to include various data required for a financial technical service for the payment of the placement stock paid by the financial technology service company 1, and a processor for processing and communicating electronic signals.

The financial technology service apparatus 100 can perform processing and communication of various data and electronic signals necessary for proceeding with the process of executing the placement stock payment loan.

In addition, the financial technology service apparatus 100 includes an investment adviser 2 who performs an evaluation of the value of stocks allocated to the financial technology service company 1, an affiliate financial institution 3 that performs interest and principal repayment procedures And various kinds of data and electronic signals necessary for proceeding with the cooperation work with the electronic signal.

In addition, when the financial technology service apparatus 100 requests the demand forecast survey by the lenders due to price fluctuation of the allocated stocks, it is possible to estimate the possibility of attracting the investment secured by the demand forecast survey to the investors, It is possible to perform processing and communication of various data and electronic signals necessary for correcting the loan condition.

In addition, the financial technology service apparatus 100 connects the borrower 4 who desires quick payment of the placement stock payment and the investor 5 who wants to invest the cash asset possessing the crowdfunding method with the P2P loan method, It is possible to process and communicate various data and electronic signals required to perform financial technical service for the payment of the paid money.

That is, when the financial technology service apparatus 100 receives the loan information including the allocated stock information and the loan condition information input through the first information terminal 400, If the platform usage fee has been settled by checking only the platform usage fee without performing the screening procedure, the investment fee is opened as an investment product and the investment attraction process is performed. When the deposit of the investment money is completed, the deposited investment money is transferred to the affiliate finance And transfers the loan to the borrower 4 through the institution 3.

At this time, the financial technology service apparatus 100 may disclose the investment products opened based on the loan application information of the borrower 4 to the investors, and transfer the investment money to the borrowers 4 in response to the disclosure. On the other hand, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 5, and to transfer the loan to the loaner 4 opened as an investment product.

However, it should be understood that the present invention is not limited to such a configuration, and that various conventional schemes including a mixture of the two configurations mentioned above are also applicable.

The advisory support server 200 includes various processors for calculating the value of the contested public offering performed by the investment adviser 2 and providing various data for providing to the financial technology service company 1, As shown in FIG.

For example, in the case of the assigned shares, the advisory support server 200 may use the various kinds of data obtained through various methods such as a slope of the sales growth rate or a direct company visit in the case of a company having a negative net profit Quantitative and qualitative measurement data can be generated by measuring quantitative and qualitative values.

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

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 to allow the affiliated financial institution 3 to process and communicate various data and electronic signals necessary for receiving the investment money from the investor 5 who has received the investment application approval by the financial technology service company 1 And a processor for performing the operation.

In addition, the financial support server 300 receives the payment guarantee based on the stocks allocated to the borrower 4 whose partner financial institution 3 has been approved for loan by the financial technology service company 1, And a processor for executing processing and communication of various data and electronic signals required to execute the loan and execute the interest and principal repayment procedures periodically or irregularly from the borrower 4. [

Also, the financial support server 300 performs the payment of the interest on the investment once or plural times to the investor 5 who has deposited the investment money by the affiliated financial institution 3, and when the investment period expires, And a processor for performing communication and processing of various data and electronic signals necessary for proceeding to return to the portable terminal 5.

The subscription support server 600 may include a processor for processing and communicating various data and electronic signals required for various processes in order to proceed with the stock subscription allocated for a fee.

The subscription support server 600 can perform the agency demand forecasting survey for the paid subscription. The subscription support server 600 can perform the subscription and assignment process. The subscription support server 600 can generate and provide various kinds of information for subscription for paid stock. For example, the subscription support server 600 may be installed in a securities company that administers the subscription procedure for similar stocks. However, the present invention is not limited thereto, and can be variously modified and applied as needed.

The subscription support server 600 may provide the financial technology service apparatus 100 with the difference between the stock demand for the stock allocated for the stock, the result of the subscription for the stock subscription and the allocation result, .

The results of institutional demand forecasts include at least one of the number of participating institutions involved in the demand forecast, the competitive rate, the number of reliable institutions participating, the size of the institutional capital, the presence of commitment conditional allocations, pension funds, mutual funds, .

In addition, the subscription support server 600 may provide the financial technology service apparatus 100 with an application amount (amount) according to the loaner grade for each securities company responsible for the corresponding job such as subscription, payment, etc. of each stock. To this end, the subscription support server 600 can fetch relevant information through communication with the subject securities company server.

Here, each institution participating in the agency demand forecast can be classified according to the agency rating. The criterion for dividing the rating of an institution may be capital, the size of the asset to be managed, the career of the manpower, or the difference in the rate of return on equity investment.

FIG. 3 is a diagram for explaining a financial technology service apparatus in a financial technology service system for a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service apparatus 100 may include a data storage unit 110 and a processor 120.

The data storage unit 110 stores the loan application information, the investment product information, and the investment application information including the stock information and the loan condition information allocated for applying for the placement stock payment loan received from the first information terminal 400 Can be stored.

The processor 120 receives the loan application information including the stock information and the loan condition information allocated for the placement stock payment loan from the first information terminal 400 and can open an investment product based on the loan application information have.

The processor 120 may receive the investment application information for the investment goods opened from the one or more second information terminals 500 and perform the investment attraction process so that the investment money can be deposited.

The processor 120 executes the payment of the placement stock payment with the payment guarantee based on the stock allocated using the deposited investment to execute the processing of data and electronic signals for transferring the loan to the account designated in the loan application information Can be performed.

The processor 120 may perform the interest payment and the investment payment process according to the placement stock payment loan.

At this time, based on the loan application information received from the first information terminal 400, the processor 120 calculates the agency demand forecast for the allocated stock, the subscription and assignment results, the out-of-stock price and the stock price , The maximum loan limit can be determined.

The processor 120 may be provided with the difference between the agency demand forecast result for the stocks allocated from the subscription support server 600, the stock subscription and assignment result, the out-of-market price, and the share price allocated for the stock.

For example, the processor 120 may determine the maximum loan limit based on the loan demand information received from the first information terminal 400 according to the agency demand forecast for the assigned stock.

For example, the processor 120 may determine the maximum loan limit based on the subscription and assignment results for the assigned stock based on the loan application information received from the first information terminal 400. [

For example, the processor 120 may determine the maximum loan limit based on the general offer subscription and allocation result for the allocated stock based on the loan application information received from the first information terminal 400. [

For example, the processor 120 may determine the maximum loan limit based on the difference between the out-of-market price and the price of the stock price allocated based on the loan application information received from the first information terminal 400. [

For example, the processor 120 can determine the maximum loan limit based on the agency demand forecast result for the assigned stocks, the quadrant subscription, and the assignment result based on the loan application information received from the first information terminal 400 have.

For example, the processor 120 may calculate a loan demand based on the loan demand information received from the first information terminal 400 and the difference between the agency demand forecast result for the allocated stock and the stock price assigned for the out- You can determine the loan limit.

For example, based on the loan application information received from the first information terminal 400, the processor 120 receives the subscription and allocation results for the assigned shares, the general subscription offer and assignment result, The maximum loan limit can be determined based on the difference in the assigned stock price.

For example, the processor 120 may calculate the institutional demand forecast result for the assigned stock based on the loan application information received from the first information terminal 400, the results of the subscription and placement of the stock market, the general public offer subscription and assignment result The maximum loan limit can be determined based on the difference in the price of stocks allocated for off-site quotations and for-profit.

Here, the results of institutional demand forecasting include at least one of the number of participating institutions in the demand forecast, the competition rate, the number of trusted institutions, the size of the institutional capital, the presence of commitment conditional allocations, pension funds, . ≪ / RTI >

In addition, the processor 120 can acquire an application amount (amount) according to the lender rating for each securities company that is responsible for the corresponding tasks such as the subscription, payment, etc. of each stock. The processor 120 can fetch the corresponding information through communication with the subject securities company server.

Here, each institution participating in the agency demand forecast can be classified according to the agency rating. The criterion for dividing the rating of an institution may be capital, the size of the asset to be managed, the career of the manpower, or the difference in the rate of return on equity investment allocated.

Here, the commitment condition allocation quantity may be, for example, a 7-day commitment condition allocation quantity, a 1-month commitment condition allocation quantity, and a 3-month commitment condition allocation quantity. However, the present invention is not limited thereto and can be 2 weeks, 15 days, 30 days, 2 months, 4 months, 5 months, 6 months.

In addition, the financial technology service device can display the stock subscription rate allocated to the first information terminal and the quantity and amount at which the allocation is expected when the stock subscription allocated as a fee is proceeded.

In addition, the financial technology service device can display stock quota information allocated to the first information terminal according to the lender rating for each securities company responsible for the corresponding tasks such as subscription, payment, and payment of each stock.

At this time, the processor 120 provides the stock subscription rate assigned to the first information terminal 400 as a paid-up amount, and provides the expected amount and the amount of money when the stock subscription is allocated as the paid amount , It can be used as reference material for investors.

For example, when the processor 120 proceeds with a stock subscription for a corresponding amount of stocks allocated to the corresponding payment, the processor 120 calculates the expected amount and amount of the allocation based on the stock subscription rate allocated to the first information terminal 400).

For example, if the stock subscription rate is 10: 1, 100: 1, and 1,000: 1, respectively,

The processor 120 reflects the stock subscription rate allocated to the real-time subscription during the stock subscription period allocated to the subscriber, and if the subscription for the subscription is made to the subscriber for the relevant amount at the relevant point in time, The expected quantity and amount can be displayed.

The processor 120 may display the quantity and amount of the estimated allocation amount corresponding to the subscription application for the stock allocated to the corresponding fee, reflecting the stock subscription rate assigned to the paid article determined upon completion of the paid subscription period have.

In addition, the processor 120 may open an investment product based on the loan application information when the platform usage fee is paid in accordance with the loan application information.

The platform fee may be equivalent to a performance bond. For example, the platform fee can be 1% to 3% of the maximum amount of the loan. However, the present invention is not limited in any way, and any variations are possible.

The platform fee can be used to ensure the stability of the process as the loan proceeds from the placement shares.

For example, a borrower can be operated so that the platform fee paid is not refunded to the lender's account if the information in the loan application information is false. Accordingly, it is possible to effectively prevent users who write down false information, apply for a loan, cancel a loan application in the middle, and lower the stability and reliability of the platform in advance.

The non-refundable platform usage fee can be operated with the operating cost of the financial service device 100 and the compensation cost to the investors. However, the present invention is not limited to the operation of the non-refundable platform fee, and various modifications are possible.

For example, the platform fee may be refunded to the investor if the investor is interrupted due to the borrower's reasons, such as the lender's remorse, false information, Can be operated to be used.

Of course, in the case of satisfying the platform fee refund condition, the platform fee paid can be refunded to the lender's account. The conditions for refunding the platform fee may be, for example, cancellation before opening investment products, cancellation due to force majeure disaster, or not achieving the target investment amount. However, the present invention is not limited to the operation of the refunded platform fee, and various modifications are possible.

In this way, after the payment of the platform fee is made with the application of the loan payment for the placement stock from the borrower, the investment item opened based on the loan application information is made available for the investors to visit and the investment proceeds. In addition, if there is a cancellation of the loan proceeding while the investment attraction is completed or proceeded, the deposited investment and platform fee may be refunded to the investor's account.

The processor 120 may receive the investment application information for the investment goods opened from the one or more second information terminals 500 and perform the investment attraction process so that the investment money can be deposited.

When there is a request to cancel loan progress from the first information terminal 400, the processor 120 may process the deposited investment funds and the platform fee to the account of the investor designated in the investment application information.

Here, the processor 120 may execute the payment of the placement stock payment when the deposit of the investment money is completed, and may process data and electronic signals for transferring the loan to the account specified in the loan application information.

The processor 120 may receive from the first information terminal 400 through the loan application menu to receive the loan application information.

When the platform fee is settled in accordance with the allocation stock payment loan application information in the process of performing the investment attraction process, the processor 120 displays a menu for investing the investment product information so that the at least one second information terminal 500 can view Can be displayed.

Accordingly, if there is a request for a click on the investment menu from the second information terminal 500, the investment goods information can be browsed. The reading of the investment goods information can be realized by browsing the outline information and browsing the detailed information.

If there is a request to cancel loan progress from the first information terminal 400 in a state where the investment has been attracted in the process of refunding to the account of the investor, the processor 120 allocates the deposited investment and platform fee to the investment information It may be possible to refund to the investor's account.

If there is a request for cancellation of the loan progress from the first information terminal 400 while the process of attracting the investor to the account of the investor is in progress, the processor 120 transmits the deposited investment and platform fee to the investment application information It may be possible to refund to the account of the designated investor.

If there is a request for cancellation of the loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment is in the process of refunding to the account of the investor, It may be possible to refund the fee to the investor's account specified in the investment application information.

If there is a request to cancel the progress of the loan from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment money is not available in the process of refunding to the account of the investor, It may be possible to refund to the lender's account specified in the information.

The processor 120 receives a cancellation request of the loan progress from the first information terminal 400 in a state where the final deposit amount of the investment money is smaller than the target investment amount but is larger than the preset loan advance commitment amount in the process of refunding to the investor's account, , It may be possible to refund the deposited investment and platform fee to the investor's account specified in the investment application information.

The processor 120 determines whether the loan proceeds from the first information terminal 400 in the state that the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, If there is a cancellation request, it may be possible to refund the platform usage fee to the lender's account specified in the loan application information.

In this process, the demand forecast investigation process can be performed. In other words, the processor 120 determines whether or not to allocate the paid-up stock to perform the placement stock payment loan through communication with the second information terminal 500 based on the loan application information received from the first information terminal 400 It is possible to proceed with the demand forecast investigation process and return the demand forecast investigation result information to the first information terminal 400. [

The processor 120 may receive the loan application information including the loan condition information that has been reflected by the demand prediction investigation result information from the first information terminal 400. [

The stocks quoted as paid here may be stocks that have been assigned to a price that can be determined by demand forecasting due to price volatility.

For example, the information on the placement share loan application information may include the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness rating. The rating of the stock investment credibility is based on the first evaluation grade based on the absolute profit based on the return of the lender's stock trading information and the second evaluation based on the relative profit based on the change in the market information on the first rating grade. It may be an evaluation grade calculated by combining grades.

The advisory support server 200 calculates the value of the stocks assigned to the corresponding fee based on the stock evaluation request signal assigned to the fee received from the financial technology service device 100. [ The stock valuation result information assigned by the advisory support server 200 to the financial institution is provided to the financial technology service apparatus 100.

If the advisory support server 200 is a paid-up stock, it may generate various bankruptcy probability information of the corresponding company by executing various scenario accessing processes for the stocks allocated for the money.

The advisory support server 200 may generate the risk management information on the stock allocated to the requested payment. Risk management information is generated by evaluating the value of stocks allocated as valuation commissioned by data and analytical techniques.

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 granted the loan by the financial technology service apparatus 100 and performs a process of depositing the loan to the deposit account designated by the lender. 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 loan application information received from the first information terminal 400 to the financial technology service apparatus 100 Receiving and storing. At this time, the deposit account information may be received from the first information terminal 400 or another terminal separately from the loan application information. In addition, the financial support server 300 may communicate with the first information terminal 400 of the lender 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 may be connected to each other via a communication network so that they can transmit and receive data to and from the financial technology service apparatus 100 and the financial support server 400.

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 provide an environment in which the lender 4 and the investor 5 can be connected to the financial technology service apparatus 100 and the financial support server 400 do. 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. The communication network transmits signals and data between the first information terminal 400, the second information terminal 500, the financial technology service apparatus 100, and the financial support server 400.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100 and the financial support server 400 through a communication network and can perform all kinds of wired / Device.

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, the first information terminal 400 and the second information terminal 500 may include a Palm PC, a smart phone, A user terminal 200 for accessing a financial financial support service apparatus 100 such as a mobile game terminal, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, Interface < / RTI > device.

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.

FIG. 4 is a flowchart illustrating a method of providing a financial technology service for a payment of a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service device 100 receives allocation stock payment loan application information including stock information and loan condition information allocated for applying for a placement stock payment loan from the first information terminal 400 (S10).

Here, the loan application information may include the stock name, the number of shares, the desired loan amount, the deposit account number, the name, the telephone number, the e-mail, the address, and the stock valuation grade assigned to the loan.

The evaluation rating may include the lender's stock investment trustworthiness rating calculated and provided by the evaluation process of the financial technology service device 100. [ The rating of the stock investment credibility is based on the first evaluation grade based on the absolute profit based on the return of the lender's stock trading information and the second evaluation based on the relative profit based on the change in the market information on the first rating grade. And may include a third rating grade calculated by combining the ratings.

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

For example, the financial technology service apparatus 100 can provide a agreement agreement screen for inputting loan application information, a member information input screen, a stock stock selection screen assigned for loan payment, and a loan condition input screen.

The loan member information input screen includes a name input field, a telephone number input field, an authentication code text sending request object, an authentication code input field, an authentication confirmation request object, an authentication completion display object, an email input field, a loan receipt account selection field, , A selection completed object, and a new account registration object.

The new account registration object may include a financial institution selection object, an account number input field, a real account authentication confirmation object, and an authentication completed object.

A window asking whether to assign the newly registered account as the loan receipt account may be displayed.

The desired loan amount input field may be displayed. The loan desired amount field may be displayed to input the minimum amount and the maximum amount.

The loan interest rate input field is displayed. For example, the unit of information entered in the loan interest rate input field is the annual rate, which can be expressed as a percentage. The loan interest rate can be limited, for example, to an annual interest rate of up to 20%. However, the present invention is not limited thereto.

The funding period input field can be displayed. The funding period input field may be displayed to input a start date and an end date.

The loan execution day input field can be displayed. The execution date of the loan can be set to be executed on the next business day, for example, three days after the completion of funding. Or the date of execution of the loan may be set so that the loan is executed on the contest anniversary date.

The loan term selection object can be displayed.

A platform usage fee input field may be displayed. The platform fee can be financed based on the funding amount after the settlement with the maximum amount. The platform usage fee input field may include an application rate selection field, a minimum amount thereof, and a maximum amount field.

A loan application button may be included. When the application button is pressed, the application for the loan is completed. A loan application completion message may be displayed. For example, the message to complete the loan application is as follows: "The loan application has been completed. I will contact you after confirming the contact person. "

When the loan application is completed, the platform fee payment guidance message and the execution button may be displayed. For example, the platform fee billing message might say, "Your loan application has been completed. Would you like to pay for the platform fee?"

When the platform fee payment is completed, a funding start guide message and an execution button may be displayed. For example, the message to start funding may be displayed as "The platform fee payment has been completed. Do you want to start funding?"

The financial technology service apparatus 100 receives the demand forecast result of the stocks allocated to the corresponding stock based on the loan application information received from the first information terminal 400, The maximum loan limit can be determined based on the difference in stock prices (S20).

When the financial technology service apparatus 100 requests the demand prediction survey from the first information terminal 400, the financial technology service apparatus 100 can evaluate the possibility of attracting the investment secured through the loan demand forecast examination process for the investors, (Step S30). [0031] In step S30,

That is, when there is a request from the first information terminal 400, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand prediction P2P platform for loan demand prediction. According to the result of the loan demand prediction, the lender guidance information or the non-lender guidance information can be transmitted to the first information terminal 400. [

The financial technology service apparatus 100 can generate the demand forecast request information for aggregating the available funds to be invested in the placement stock payment loan using the demand forecast P2P platform according to a request from the first information terminal 400 have.

Demand forecasting information may include information on loanable amount, loan interest rate, loan period, early repayment, profit share ratio, and interest payment method.

As a result, investors participating in demand forecasts can enter a loan amount of, for example, 50 million won. You can enter 5.6% per annum on the lending rate. The loan period can be set at 30%. You can choose between interest and compound as interest payment method.

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, the lending guidance information is transmitted to the first information terminal 400 And if the collection amount is unsatisfactory, the non-delivery guidance information can be transmitted to the first information terminal 400.

Meanwhile, the financial technology service apparatus 100 stores the demand forecast result information received from the second information terminal 500.

The demand forecasting investigation process can be used to predict the response that the borrower's proposed loan conditions will cause on that platform. Through the demand forecasting process, the borrower can determine whether the loan condition he or she intends to propose is appropriate. For example, a borrower may be able to receive a loan even if he / she proposes conditions favorable to him / herself rather than the initial loan proposal condition submitted to the demand forecasting process. For example, a borrower can determine that a loan can not be made under the initial proposal conditions submitted to the demand forecasting process. Those who are notified of advance demand forecasts for loans can be targeted to users registered as loan investors in advance.

The financial technical service apparatus 100 opens an investment product based on the assignment stock payment loan application information received from the first information terminal 400 when settlement of the platform fee is completed, The terminal 500 is allowed to browse and proceed with investment inducement so that the investment application and the investment money can be received from the investor (S40).

If the financial technology service apparatus 100 requests the cancellation of the loan progress from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investor And the platform fee refund process (S50).

When the investment inducement is normally completed, the financial technology service apparatus 100 performs the loan account pledge setting process with the payment guarantee based on the stock allocated through the communication of the first information terminal 400 as a security (S60).

The financial technology service apparatus 100 pays the assigned share-paid loan to the pledged account (S70).

To this end, the financial technology service apparatus 100 can perform the payment process of the placement stock payment loan through the financial service performed in the affiliated financial institution 3 through communication with the financial support server 300.

That is, the financial technology service apparatus 100 can execute the payment of the placement stock payment with the guarantee of payment based on the stocks assigned even before the listing day when the assigned stock is put into the stock account. Accordingly, the financial technology service apparatus 100 may grant the loan value to the borrower by allocating more stocks to the borrower by assigning a collateral value to the allocated stock, even if the allocated stock is not deposited in the stock account. Thereby maximizing the profit generated by the system.

Thereafter, the financial technology service apparatus 100 performs a process of paying out interest and paying an investment according to the payment of the placement stock payment loan, and performing the repayment process of the placement stock payment loan when the loan period expires (S80)

On the other hand, when the payment of the loan is completed, the financial technology service apparatus 100 cancels the setting of the pledge for the loan account and pays the investment proceeds (S90).

FIG. 5 is a flowchart for explaining a demand forecasting investigation process in a financial technology service method for a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 5, demand forecasting request information is generated in order to compute the available funds to be invested in the placement stock paid loan using the demand forecast P2P platform (S31).

Here, the demand prediction request information may be generated based on the loan application information for applying for the placement stock payment loan which the financial technology service device 100 receives and stores from the first information terminal 400. [

The demand forecast request information is based on the evaluation result data on the allocated shares received from the advisory support server 200, the value estimation result information, the probability of bankruptcy of the enterprise, and the risk management information Lt; / RTI >

The evaluation result data on the allocated stock is generated by the advisory support server 200 receiving the stock evaluation request signal allocated for payment from the financial technology service apparatus 100 and evaluating the stock allocated for the stock And may be returned to the financial technology service apparatus 100.

The stock value calculation result information allocated as a fee is generated by the advisory support server 200 by calculating the value of the IPO on the basis of the IPO request signal received from the financial technology service apparatus 100, ). ≪ / RTI >

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

The risk management information is generated for the contingent offered by the consulting support server 200. Risk management information is generated through evaluation of data and analytical techniques on the value of the IPOs submitted for evaluation. .

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 (S32).

The demand forecast request information may include investment participation check information to see if there is an intention to participate in the investment for the corresponding placement share loan. In addition, the demand forecast request information includes loan application information for forecasting demand, evaluation result data on public offering stock, information on the result of calculating an IPO value, probability of bankruptcy information of a company, risk management information Information, or offer amount information may be included.

Thereafter, the financial technology service device 100 receives the demand forecast result information from the second information terminal 500 (S33).

The demand forecast result information may include investor information, investment result check result information, 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 public offer information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information.

The results of the investment participation check check may include information indicating that they are willing to participate in the investment for the placement stock payment loan.

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 stores demand forecast result information.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S34). In accordance with the determination result, the financial technology service apparatus 100 transmits the creditable guidance information to the first information terminal 400 (S35).

On the other hand, if the collection amount is unsatisfactory according to the determination result, the financial technology service device 100 transmits the non-circulation guidance information to the first information terminal 400 (S36).

FIG. 6 is a diagram for explaining a process for refunding investment funds and a platform fee in a financial stock service for a placement stock payment loan according to an embodiment of the present invention.

Referring to FIG. 6, when the financial technology service apparatus 100 receives a request for cancellation of the advance payment of the placement stock payment loan from the first information terminal 400 in the state in which investment in the investment and platform fee refund process is being paid or the investment has been completed , It may be possible to refund the deposited investment and platform fee to the investor's account specified in the investment application information.

If the financial technology service apparatus 100 requests the cancellation of the loan progress from the first information terminal 400 while the investment attraction process is in progress in the process of refunding to the account of the investor, Refund can be made to the investor's account specified in the application information.

If there is a request to cancel loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment is in the process of refunding to the account of the investor, The investor and the platform fee can be refunded to the account of the investor specified in the investment application information.

The financial technology service apparatus 100 proceeds from the first information terminal 400 to the first information terminal 400 in the process of refunding to the account of the investor while the total final deposit of the investment money is smaller than the target investment amount, , The invested money and platform fee can be refunded to the account of the investor designated in the investment application information.

On the other hand, if there is a request to cancel loan progress from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment money is not available in the process of refunding to the account of the investor, The platform usage fee can be refunded to the account of the lender designated in the loan application information.

The financial technology service apparatus 100 transmits the amount of money deposited from the first information terminal 400 to the first information terminal 400 in a state where the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, If there is a request to cancel the loan proceeding, it may be possible to refund the platform fee to the lender's account specified in the loan application information.

Meanwhile, in the embodiment of the present invention, the platform fee is paid by the borrower in the name of the performance bond in order to secure the stability of the process according to the proceeding of the payment of the placement stock payment loan.

In another embodiment of the present invention, in order to double the stability of the process in accordance with the progress of the payment of the placement stock payment loan, the platform fee may be claimed as the performance deposit to the investor under certain conditions.

For example, if an investor cancels the investment by canceling the investment while the investment attraction process is completed, if the loan can not be made, the stability and reliability of the platform may be deteriorated. Therefore, in this case, it is possible to refund the investment money, except for a part of the security guarantee cost due to the cancellation of the investment. The present invention is not limited to the platform fee charge for the investor, and various modifications may be possible.

In the embodiment of the present invention, the P2P loan finance technology service method of performing the loan to the lender who submitted the loan for the placement stock payment is described in detail.

He also explained how to collect funds from investors who want to invest their cash assets in a crowd-funded way and to lend them to the lender.

However, in the embodiment of the present invention, the description of the ordinary procedure of the placement stock payment loan, the P2P loan, the crowd funding, and the processing of the data and the electronic signal for performing the procedure may be omitted. Such portions can be selected and implemented in various ways by ordinary procedures and data and electronic signal processing if they have knowledge of the relevant field, so that even if they are not specifically described, This paper is organized as follows.

Also, in one embodiment of the present invention, the application information of the placement stock payment loan includes the item name, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation rating, And a second evaluation class based on the relative profit which is calculated by linking the first evaluation class to the first evaluation class and the change rate of the market information to the first evaluation class .

Accordingly, in another embodiment of the present invention, it is possible to implement a financial technology service method for a placement stock payment loan by applying 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, And to determine the limit of financial transactions at the time of loan placement or investment inducement, and to perform financial technical service for the payment of placement stock payment based on the evaluation grade .

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 determining unit may be implemented by including an item value determining unit, a transaction limit determining unit, an investment management limit determining unit, and a loan application limit determining unit.

The stock value determining unit may determine the value of the stock for the stocks assigned to any of the stocks. The Transaction Limit Determination Department can determine the allowable transaction limit for the person to be assessed. Here, the limit can be determined by reflecting the third application rate of the evaluator to the calculated stock value. In other words, the limit is the limit that reflects 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, according to another embodiment of the present invention, in the financial technology service method for the loan of the placement stock payment, the loan limit for the borrower who wishes to pay the placement stock payment using the stock investment reliability evaluation method based on the stock investment performance Based on which the financial technology service for the payment of the placement stock payment can be performed.

Here, it is desirable that the borrower has a history of trading publicly traded securities in the past. In order to evaluate the reliability of stock investors' equity investment based on past investment performance, we conducted a stock investment reliability evaluation based on stock investment performance in the Financial Technology Service The loan limit can be calculated.

For example, a borrower with a placement share loan can draw a high subscription based on the lender's stock investment credibility.

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 non-standardization type is based on the intrinsic value of the allocated stock The loan amount can be calculated.

Accordingly, in the financial technology service method for the payment of the placement stock payment loan according to the embodiment of the present invention, by performing the stock investment reliability evaluation based on the stock investment performance, it is possible to perform such an informal method (credit rating, And by using a formalized method of assessing the stock investor's trustworthiness based on absolute profit-based investment performance and relative profit-based investment performance, additional lending limits can be made available to the lender.

At this time, the additional loan portion can be calculated based on the transaction history. Therefore, the lender must have a history of selling and selling unlisted stocks in the past. If the borrower has a history of buying or selling an unlisted stock in the past, the borrower will submit a record of receipt or release 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.

Therefore, the financial service device for the financial technical service for the payment of the placement stock payment grasps the past absolute return of the lender through the goods receipt / receipt records submitted to the National Tax Service and transaction details of the securities company account, And the comparative index of the investor (borrower) by classifying the expert investors (borrowers) and automatically determine the additional loan.

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, the meaning of the stock investment reliability evaluation is properly implemented in the financial technology service method for the placement stock loan, The amount of the loan can be elaborately calculated.

Also, in one embodiment of the present invention, a description has been given of attracting funds from a plurality of investors for borrowing a placement stock using P2P. However, the present invention is not limited thereto.

For example, the present invention can be suitably implemented using available funds of other financial institutions.

For example, according to another embodiment of the present invention, there is provided a financial technology service method for a payment of a placement stock payment loan, wherein a financial technical service apparatus includes a loan including stock information allocated for a placement stock payment loan from a first information terminal And can receive application information.

The financial technical service device may be configured to calculate the difference between the stock demand for the assigned stock based on the loan application information from the first information terminal and at least one of the difference between the stock demand for the stock allocated for the stock, The maximum loan limit can be determined.

The financial technical service apparatus can execute the data and electronic signal processing for transferring the loan to the designated account by executing the payment of the payment of the placement stock with the guarantee of payment based on the shares allocated using the deposited investment have.

The financial technology service device can carry out the process of interest payment and investment payment payment according to the payment of the placement stock payment.

Here, the loan application information may include loan condition information. In this case, when determining the maximum loan limit, the financial technology service device calculates the difference between the stock demand for the assigned stocks, the stock price and the allocation result, The maximum loan limit can be determined according to at least one.

To this end, the financial technology service apparatus comprises a data storage unit and a processor for storing loan application information and loan product information including stock information allocated for applying for a placement stock payment loan received from the first information terminal .

Here, the processor receives the loan application information from the first information terminal, and based on the loan application information, the agency demand forecast result for the assigned stock, the stock subscription and assignment result, the out-of-stock price and the stock price The maximum loan limit can be determined according to at least one of the differences.

The processor may execute a payment of a placement stock payment with a payment guarantee on the basis of the allocated stock and process data and electronic signals for transferring the loan to the account specified in the loan application information.

The processor can process the interest payment and investment payment process according to the placement stock payment loan.

Similarly, the loan application information may include loan condition information. Accordingly, the processor determines the maximum loan limit based on at least one of the agency demand forecast result for the allocated stock, the difference between the stock price and the allocation result, .

Also, in the embodiment of the present invention, the assigned stock has been described, but the present invention is not limited thereto. For example, the present invention can be applied to crowdfunding subscription funds, BW, CB, EB subscription funds, apartment subscription funds, and subscription funds.

That is, the present invention can be suitably applied to a financial item that requires margin and has a high probability that the probability of margins is high.

At this time, the margin deposit may be a single account or multiple accounts.

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.

Claims (13)

Receiving, from the first information terminal, loan application information including allocated stock information and loan condition information for applying for a placement stock payment loan;
The financial technical service apparatus transmits the result of the agency demand forecast for the stocks allocated to the financial institution based on the loan application information received from the first information terminal, the results of the subscription and assignment of the stocks, the general public offering subscription and assignment results, And determining the maximum loan limit based on the difference in stock price assigned to the loan;
The financial technical service device opens an investment product based on the loan application information, receives investment application information for the opened investment product from one or more second information terminals, and performs an investment attraction process so as to deposit the investment money ;
The financial technical service device executes the above-mentioned assignment stock payment loan with the payment guarantee based on the stock allocated using the deposited investment money, and performs processing of data and electronic signals for transferring the loan to the designated account ; And
Wherein the financial technical service device performs a process of paying interest payment and investment profit according to the loan of the placement stock through the communication with the financial support server.
delete The method according to claim 1,
The result of the agency demand forecast includes at least one of the participation number of the participating companies in the demand forecast, the competition rate, the number of trusted institutions, the size of the operating capital of the institutions, the presence of the commitment condition allocation amount, the pension fund, A Method of Financial Technical Service for Loan Payment of Assigned Shares.
The method according to claim 1,
The financial technical service device is provided with a stock subscription rate allocated for the payment, and a quantity and an amount for which allocation is expected when the stock subscription allocated to the subscription is made at an arbitrary amount, on the first information terminal. Financial technology service method.
The method according to claim 1,
The financial technical service device is a system for providing a stock quotation information to a first information terminal for displaying a stock quota information allocated to a stock according to a lender grade for each securities company responsible for assigning and delivering from each subscription of stocks Financial technology service method.
The method according to claim 1,
The financial technical service apparatus proceeds the demand forecast investigation of the placement stock payment loan through communication with the second information terminal based on the loan application information received from the first information terminal, The method further comprising the step of returning to the information terminal.
The method according to claim 6,
Further comprising receiving from the first information terminal the loan application information including the modified loan condition information reflecting the demand forecast result information from the first information terminal, .
A data storage unit for storing loan application information, investment product information, and investment application information including stock information and loan condition information allocated from the first information terminal for applying for a placement stock payment loan; And
The information on the demand for the stock allocated to the corresponding stock based on the loan application information received from the first information terminal, the results of the subscription and allocation of stocks, And determining a maximum loan limit based on the allocation result and the difference between the out-of-market price and the stock price allocated to the fee, establishing an investment product based on the loan application information, The investor is required to make a loan to the investor by receiving the investment application information from the investor and performing the investment attraction process so as to deposit the investment money, Performing processing of data and electronic signals for transferring the loan to the account, A financial technology service device comprising a processor for performing a payment of interest payments and a payment of an investment profit according to a stock-paid loan.
9. The method of claim 8,
Wherein the processor is configured to, when there is a request to cancel loan progress from the first information terminal in a state where the investment attraction is completed or an investment attraction process is in progress, the investment fund and the platform fee, Refund to the account of the designated investor,
Wherein the platform fee is set to be paid for opening the investment product.
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