KR101948979B1 - Method for processing peer to peer lending finance data for first investment and later fund procurement based consignment asset warranty and apparatus thereof - Google Patents

Abstract

In the P2P loan financial data processing method for the pre-funded pre-mortgage-based collateral-based security deposit and the latter-tied-up mortgage, the financial technical service device can secure the entrusted asset as a collateral and perform the pre-investment based on the entrusted asset security at the request of the first information terminal. The financial technical service device may open the investment product information including the investment reference information for attracting the investment based on the loan application information received from the first information terminal and proceed with investment inducement through communication with the financial support server. The financial technical service device receives the investment fund based on the investment application information received from the second information terminal through communication with the financial support server and receives the investment fund using the trust asset secured as collateral by the entrusted asset security based pre- And execute data and electronic signal processing for transferring the loan to the account specified in the loan application information by executing the loan. The financial technology service device can perform the interest payment and investment payment process based on the P2P loan through communication with the financial support server.

Description

TECHNICAL FIELD [0001] The present invention relates to a P2P loan financial data processing method and apparatus, and more particularly, to a P2P loan financing data processing method and apparatus for a pre-

The present invention relates to a P2P loan financial data processing method and apparatus for pre-funded and pre-financed borrowing based on entrusted asset security, more specifically, And a plurality of investors who invest their own cash assets on the condition of receiving a return on investment are connected to each other through a P2P loan and the P2P loan financial data generated in the process are added to the supplementary data for the pre- The present invention relates to a P2P loan financial data processing method and apparatus for a pre-investment based on a trust account and a money laundering for distributing committed investment income to an investor.

Recently, crowd funding, which is an investment method to collect funds from a large number of investors using media such as social media and internet, is spreading. Earlier, crowdfunding was a way for non-funded arts and social activists to open their own creative projects and social public projects online and receive funding from a large number of anonymous people. It is also called social funding because it promotes investment attraction by positively utilizing social network service.

Recently, such crowdfunding has been used not only as a creative project such as a movie, but also as a means for financing a corporation as well as a social public benefit project. As a result, there is a growing demand for crowdfunding services that are professional and reliable, free from the financial services that have been provided by the inter-personal direct transactions.

Among the crowdfunding systems, there is a loan crowdfunding system. However, there is a problem that due to weak legal support for crowdfunding, the fund recovery rate is too low and the investor's financial loss is virtually defenseless.

In addition, if the funder wishes to raise funds through crowdfunding, he / she should be actively engaged in public relations activities, but there is a problem of additional expenses. In crowd funding services for intangible assets, investors invest in uncertain ideas Often there was a problem that the investment was not recovered properly.

Peer-to-Peer (P2P) loans are a new form of borrowing, in which a large number of investors (creditors), rather than banks or investors, lend money 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. .

However, if a loan applicant raises funds using crowdfunding and P2P lending, there may be a difference between the period in which the loan applicant is required to fund and the amount of time it takes to attract investment for financing.

Therefore, it is inconvenient for the applicant to apply for a loan so that financing can be completed before the required period of funds is taken into account, considering the period required for attracting investment for financing.

As such, the way of funding using crowdfunding and P2P lending is limited when there is a sudden need for funds.

The problem to be solved by the present invention is to provide a loan applicant who subsequently funds the loan using the entrusted asset secured by the preemptive asset securitization-based pre-fund and a plurality of loan applicants who invest their own cash assets on the condition of receiving the investment income Investors are connected to each other through P2P loans, and the P2P loan financial data generated in the process is optimized and stored as supplementary data for the preliminary investors and the latter investors, and the investor who distributes the committed investment income to the investors, And to provide a method and apparatus for processing financial data of P2P loan for gold coinage.

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 the P2P loan financial data processing method for the pre-fund and the forbidden fund based on the entrusted asset security, the financial technology service device secures the entrusted assets as collateral at the request of the first information terminal, Can be performed.

The financial technical service device may open the investment product information including the investment reference information for attracting the investment based on the loan application information received from the first information terminal and proceed with investment inducement through communication with the financial support server.

The financial technical service device receives the investment fund based on the investment application information received from the second information terminal through communication with the financial support server and receives the investment fund using the trust asset secured as collateral by the entrusted asset security based pre- And execute data and electronic signal processing for transferring the loan to the account specified in the loan application information by executing the loan.

The financial technology service device can perform the interest payment and investment payment process based on the P2P loan through communication with the financial support server.

The P2P loan financial data processing method for the entrusted asset securitization pre-fund and the latter is for the P2P loan finance data including investor information and entrusted asset information generated by the processing of data and electronic signals, Can be optimized and stored as supplementary data for the user.

The financial technical service apparatus according to another aspect of the present invention may further include a payment information management unit for managing the P2P loan financial data for the pre-funded pre- A data storage unit for storing loan application information, investment product information, and investment application information, and a processor.

Herein, the processor obtains the trust asset as a security at the request of the first information terminal, performs the pre-investment process based on the trust asset, and provides investment reference information for attracting the investment based on the loan application information received from the first information terminal And the investment promotion information can be transmitted through communication with the financial support server.

The processor receives the investment amount based on the investment application information received from the second information terminal, executes the P2P loan using the entrusted asset secured as collateral by the entrusted asset security based pre-investment process, and transfers the loan to the account designated in the loan application information And to process data and electronic signals for remittance.

The processor can perform the interest payment and investment payment process based on the P2P loan.

According to the present invention, a loan applicant who subsequently finances funds using the entrusted assets secured as collateral by the pre-investment fund based on the entrusted asset security, and a plurality of investors who invest their own cash assets on the condition of receiving the investment return, They can be connected to each other through loans.

As a result, a large number of participants participate as investors through P2P lending and crowdfunding. As a result, lenders can make preemptions with entrusted assets as collateral, and subsequently raise funds by using the entrusted assets secured by collateral, Can be created.

According to the present invention, when there is a difference between the period required for funding and the period required for investment attraction, the trust asset is secured as collateral to preferentially pay out the loan, and the investment having a low interest rate It may be possible to make a profit using the difference in loan conditions by opening a product and attracting investment to a large number of investors.

According to the present invention, a person who needs urgent funds can raise funds for a period of time required for funds without waiting for a period of time required for investment attraction.

According to the present invention, investment decision information provided to investors includes investment decision information to which information asymmetry is applied. It is possible to optimize the information available to investors at the level of investors based on demand forecasting result information obtained through demand prediction as informal investment decision information.

By setting different types of information that can be browsed according to the investor 's rating on informal investment decision information, it is possible to provide practical assistance in investment considering the tendency of the investor.

Accordingly, it is possible to provide general members with information of a plain type in accordance with the eye level of general members, thereby making it possible to judge whether or not to invest in the investment information without imposing a psychological burden on the investment information. In addition, it is possible to avoid the side effects of forming a psychological barrier by aggravating the confusion about the investment information by preventing the general members from listing too specialized information.

Likewise, the expert members can provide a kind of information that is in line with the eye of the expert members, thereby providing an opportunity for thorough examination of the investment information, thereby effectively determining whether or not to invest. In addition, it is possible to prevent the adverse effects of not giving psychological credibility to the investment information by preventing the general information from being listed to the expert members in advance.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

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

According to the present invention, it is possible to secure investment by securing collateral for trust assets by avoiding the framework of credit used in the conventional lending system.

According to the present invention, in the P2P loan era, a pre-investment process in which the entrusted assets are secured, and a consignment making use of the P2P platform by linking the loan applicant and the individual lender (investor) Mortgage lending for asset-backed securities and the latter is now possible.

FIG. 1 is a diagram for explaining the concept of P2P loan financial data processing for a pre-fund and a second briquette based on the entrusted asset security according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining a P2P loan financial data processing system for a pre-fund and a post-fund procurement based on a trustee asset security according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P loan financial data processing system for a pre-funded pre-mortgage-based pre-financing and a second-borrowed financing according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a P2P loan financial data processing method for a pre-funded mortgage-based pre-mortgage and a post-mortem briquette according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a lending possibility authentication process in a P2P loan financial data processing method for a pre-funded pre-mortgage-based pre-mortgage and a second pre-financed loan according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P loan financial data processing method for a pre-funded pre-mortgage-based pre-mortgage and a second-borrowed mortgage according to an embodiment of the present invention.
FIG. 7 is a view for explaining the concept of P2P loan financial data processing for a pre-funded pre-mortgage-based pre-mortgage and a post-mortem briquette according to another embodiment of the present invention.

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

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

FIG. 1 is a diagram for explaining the concept of P2P loan financial data processing for a pre-fund and a second briquette based on the entrusted asset security according to an embodiment of the present invention.

Referring to FIG. 1, the P2P loan financial data processing for the pre-funded pre-mortgage-based pre-fund and the latter bills can be provided by the P2P financial-based technology service company 1 according to an embodiment of the present invention.

A P2P-based financial technology service company (1) establishes a business alliance with an investment adviser (2) that conducts valuation of entrusted assets and a partner financial institution (3) It is possible to perform P2P loan financial data processing for the pre-investment based on the entrusted asset security and the latter bills.

Here, the entrusted assets may include various assets that can be collateralized to finance by the P2P lending method by the trust agreement. The entrusted assets may be managed, disposed of, held, operated or traded for the collection of funds in accordance with the contents of the trust agreement.

The entrusted assets may include various movable properties or real estate. For example, entrusted assets include unlisted stocks, listed stocks, trade receivables, loans, gift certificates, bonds, intellectual property, tangible property rights, intangible property rights, performances and exhibit rights, content rights, blog operating rights, electronic money, virtual money, As well as various non-cash assets and foreign currency assets with collateral value. In addition, entrusted assets may include safe assets and risk assets.

The affiliated financial institution (3) can carry out investment deposit, loan payment, interest payment, repayment of principal and interest, payment of investment and settlement of profit distribution.

The loan applicant (4) may wish to make a P2P loan by using the entrusted assets secured as collateral by the pre-investment fund based on the trust asset.

The loan applicant (4) may borrow the necessary funds by using the entrusted assets secured as collateral by the pre-investment fund based on the trust assets.

For example, a loan applicant (4) may be a service user who secures the entrusted assets as collateral and lends the loan in advance according to the schedule of the service user when there is a difference between the period required for the fund and the period required for investment attraction Lt; / RTI >

 The loan applicant (4) may make a profit using the difference in loan conditions by opening an investment product with low interest rate by using the entrusted asset secured by the collateral and by attracting investment to other investors.

In other words, the applicant (4) can make more money through the profit from the latter borrowing money through a loan at an interest rate lower than the interest rate borrowed through the pre-investment.

Here, for the first time, the service user can borrow money at a higher interest rate from the applicant (4), but can finance the funds for the required period without waiting for a separate investment attraction period.

Investors (5) want to invest their cash assets in a crowdfunded way. For example, investor (5) can invest cash assets in P2P-based financial technology service company (1) by crowdfunding method with secured entrusted assets secured as collateral by pre-investment process based on entrusted asset security. Accordingly, the investor (5) can receive the interest settled from the P2P-based financial technology service company (1), receive the principal reimbursement date on the loan repayment date, and part of the generated profit can be distributed.

Here, the investment adviser (2), affiliated financial institution (3), loan applicant (4), and investor (5)

A P2P-based financial technology service company (1) may conduct a demand forecast survey on an investor (5) to determine or determine the availability of investment for arbitrary loan condition information. Accordingly, the loan applicant 4 may modify the loan application information including the loan condition so as to correspond to the demand forecast result.

P2P financial data processing for P2P-based financial technology service company (1) for pre-funded pre-mortgage-based and P2-funded borrowing is conducted by using funds entrusted to loan applicant (4) by using entrusted assets secured as collateral by a pre- It can be done by executing a loan.

In addition, the P2P loan financial technology service of the P2P-based financial technology service company (1) collects the funds of the investor (5) who wants to invest the cash assets possessed by the crowd-funded method and secure it as collateral by the pre- The loan is made to the applicant who wishes to make a loan using the entrusted asset.

To this end, the P2P-based financial technology service company (1) receives a loan application from the loan applicant (4) who desires to borrow the loan using the entrusted asset secured as collateral by the pre-

 The P2P-based financial technology service company (1) can refer the investment adviser (2) to the valuation of the entrusted assets secured by the loan applicant (4) as collateral by the pre-investment process based on the entrusted asset security. The investment adviser (2) can estimate the value of the entrusted asset secured by the collateral-based pre-funding process and provide it to the P2P-based financial technology service company (1).

Meanwhile, a P2P-based financial technology service company (1) receives an investment application from an investor (5). The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited thereto and is possible if the investor can invest cash assets. So it can be a corporation, not an individual. Also preferably, the investor 5 may be a plurality of investors and may be a plurality of investors participating in 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) can receive the investment money from the investor (5) who is approved by the P2P-based financial technology service company (1) for the investment application.

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

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

In addition, the affiliated financial institution (3) may also perform a profit sharing settlement procedure for the investor (5) who has deposited the investment amount according to the profit generated from the change in the asset value of the entrusted asset.

FIG. 2 is a diagram for explaining a P2P loan financial data processing system for a pre-fund and a post-fund procurement based on a trustee asset security according to an embodiment of the present invention.

2, in FIG. 2, the financial technology service apparatus 100 in the P2P loan financial data processing system for pre-fund and pre-financing based on the entrusted asset security according to an embodiment of the present invention includes an advisory support server 200, the financial support server 300, the first information terminal 400, the second information terminal 500, and the archive support server 600 in order to process various data and electronic signals for the P2P loan financial technology service, Communication is performed.

The financial technical service apparatus 100 includes various kinds of data required for P2P loan financial data processing for the pre-investment and the second-tier financing of the P2P-based financial technology service company 1, As shown in FIG.

The P2P loan financial data processing for the pre-funded pre-mortgage-based and pre-financed mortgage-based borrowers is based on the loan applicant who subsequently funds through the P2P loan using the entrusted assets secured as collateral by the pre- A plurality of investors who invest their own cash assets under the conditions of receiving can be linked to each other through P2P loans. In the process, the P2P loan financial data processing for the pre-funded pre-mortgage-based and pre-financed borrowing can provide investors with information on the entrusted assets, thereby enabling the value of the entrusted assets and attracting the investment.

In addition, P2P loan financial data processing for pre-funded and pre-financed bonds based on entrusted asset security may be set up to allocate the revenue between the applicant and the investor if the value of the entrusted asset changes or the profit from the creation of value arises.

Therefore, P2P loan financial data processing for pre-funded and pre-borrowed funds of the trust assets appropriately reflects that the viewpoint of the investor and the borrower may differ from the value change or value creation of the trust assets during the demand forecasting process through the P2P loan platform will be.

In other words, P2P loan financial data processing for pre-funded and pre-financed bonds based on entrusted asset collateral allocates mutual funds to each other at a negotiated ratio between the applicant and the investor when the value of the entrusted asset changes, It is a P2P loan financial technology service that can negotiate the loan amount and the loan interest rate between the lender and the investor.

If the investor anticipates that the return on investment will increase due to changes in the value of the entrusted asset or the creation of value, the entity may request a portion of the return on the value change or value creation of the entrusted asset that sets the interest rate low.

In this way, the borrower can reduce the burden of fixed costs and receive a large amount of money depending on the change in the value of the entrusted asset or the expectation of the investment income distribution resulting from the value creation. On the other hand, investors can receive a stable fixed interest rate and give additional expectations about the return on investment that can be generated by changes in value or creation of value of entrusted assets.

To this end, the financial technology service apparatus 100 performs processing and communication of various data and electronic signals necessary for proceeding with the process of executing the necessary funds lending by using the entrusted assets secured as collateral by the pre- And a processor.

In addition, the financial technology service apparatus 100 includes an investment advisory company 2 in which a P2P-based financial technology service company 1 performs a valuation of entrusted assets, an affiliate financial institution 2 that performs interest and principal repayment, And a processor for processing and communicating various data and electronic signals necessary for proceeding with the affiliate work with the terminal 3.

In addition, the financial technology service apparatus 100 connects the loan applicant 4 who desires to receive the trust asset as a secured loan and the investor 5 who wants to invest the cash asset possessed by the crowdfunding method as a P2P loan method, And a processor for performing processing and communication of various data and electronic signals required to perform P2P loan financial data processing for the mortgage-based pre-fund and the latter bill.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 400, the financial technology service apparatus 100 judges whether the loan is available or not And if it is determined that the loan can be made, the loan is transmitted to the loan applicant 4 through the affiliated financial institution 3 of the financial support server 300.

At this time, 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 loan applicant 4 determined to be loanable, The loan application information of the loan applicant 4 may be disclosed to the investor, and the investment money collected in response to the loan application information may be transmitted to the loan applicant 4. However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

In addition, the financial technology service device 100 can be configured to include a processor for optimizing and storing the P2P loan financial data generated by the processing of data and electronic signals as additional data for the trust fund-based preliminary fund and the latter bill have.

Here, the P2P loan financial data may include investor information, loan amount information, and trust asset information.

For example, the loan amount information may be optimized and stored as additional information that is set such that the loan amount executed by the P2P loan for the latter bills does not exceed the loan amount executed by the entrusted asset security based pre-payment process.

Investor information can be stored optimally with additional information that can be referenced when recruiting investors for a pre-funded pre-funded investment.

Accordingly, the financial technology service apparatus 100 may attract investors by providing investment fund information based on the investor information, which is optimized and stored as additional data.

The advisory support server 200 calculates the value of the entrusted asset requested to be evaluated by the investment adviser 2 and processes and communicates various data and electronic signals to be provided to the P2P-based financial technology service company 1 And the like.

The advisory support server 200 can generate quantitative and qualitative value measurement data by measuring quantitative and qualitative values based on various data obtained for the trust assets.

Advisory support server 200 can calculate the insolvency probability for the entrusted assets through various scenario approaches.

The financial support server 300 may include various data for a financial technology service performed by the affiliated financial institution 3 and various processors for processing and communicating electronic signals.

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

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

Also, the financial support server 300 periodically or irregularly provides interest on the investment to the investor 5 to which the affiliated financial institution 3 has deposited the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal. Here, interest can be paid in cash.

In addition, the financial support server 300 may perform the profit distribution settlement procedure for the investment money to the investor 5 who has deposited the investment money. Here, the investment proceeds may include the change in the value of the entrusted asset or the return on investment generated through value creation.

FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P loan financial data processing system for a pre-funded pre-mortgage-based pre-financing and a second-borrowed financing 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 may store loan application information, investment product information, and investment application information including entrusted asset information and loan condition information received from the first information terminal 400. [

The processor 120 may receive the loan application information for applying for the loan using the entrusted asset secured as the secured by the pre-investment trust based on the entrusted asset security from the first information terminal 400. [

The processor 120 may communicate with the first information terminal 400 and provide the first information terminal 400 with screen information for receiving the loan application information from the first information terminal 400. [

The processor 120 sends the valuation request information to the advisory support server 200 for the entrusted assets. To this end, the processor 120 generates value evaluation requesting information based on the loan application information input from the first information terminal 400.

The processor 120 may receive the investor preference information preferred by the loan applicant for the investor from the loan application information received from the first information terminal 400. [

Here, the investor preference information can be classified according to the investment propensity of the investor. For example, any loan applicant may prefer an aggressive investor. For example, any loan applicant may prefer a more stable investor.

The investor preference information can be divided by the investor's amount. For example, any loan applicant may prefer a small number of investors who invest a lot of money.

On the other hand, any loan applicant may prefer a large number of investors who invest a small sum.

The processor 120 may classify each investor based on the investor preference information received from the first information terminal 400 and process the data for the investment attraction service.

The processor 120 may receive an investment application signal from the second information terminal 500. [ The processor 120 may communicate with the second information terminal 500 and provide screen information to the second information terminal 500 to receive investment application information from the second information terminal 500. [

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

For example, the loan repayment method may include a principal repayment maturity repayment method, principal repayment method, and interest monthly payment method.

The processor 120 may classify the investors from the investment application information received from the second information terminal 500. [

For example, processor 120 may classify each investor by investor preference from investment application information. For example, investors can be divided into aggressive investors and stable investors.

For example, the processor 120 may classify each investor according to the investment amount from the investment application information.

For example, the processor 120 may classify each investor according to the preferred item from the investment application information.

Meanwhile, the processor 120 may provide investment reference information differently for each investor classified from the investment application information.

For example, the processor 120 may preferentially provide investment reference information based on the investor preference information included in the loan application information received from the first information terminal 400. [

For example, if an arbitrary loan applicant prefers an aggressive propensity for investors, the processor 120 may preferentially provide the investment reference information to aggressive investors.

On the other hand, if the arbitrary loan applicant prefers a stable investor, the processor 120 can preferentially provide the investment reference information to the investor with a stable tendency.

Similarly, for example, if any loan applicant prefers a small number of investors who invest a large amount of money, the processor 120 may preferentially provide the investment reference information to a small number of investors who invest a large amount of money.

On the other hand, for example, if any loan applicant prefers a plurality of investors who invest a small amount of money, the processor 120 may preferentially provide the investment reference information to a plurality of investors who invest a small amount of money .

In addition, the processor 120 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information.

The investor analysis information may include investment amount, investment preference product, and investor management grade for each investor.

Here, investor management information can be generated so that it can be used for investment attraction services. To this end, investor management information can be classified into, for example, simple investor class, constituent participant investor class, and core investor class. Here, a simple investor class can simply include investors who have an interest in the loan interest of a P2P loan. A participating investor class may include investors who are likely to participate or participate in association with investment reference information. A core investor class may include an investor with an active investment intention.

The processor 120 may provide the investor analysis information to the first information terminal 400 and the advisory support server 200. [

In addition, the processor 120 may optimize and store the P2P loan financial data generated by the processing of the data and the electronic signal as the supplementary data for the preliminary investment trust based on the trust and the latter.

Processor 120 may include investor information, loan amount information and entrusted asset information as P2P loan financial data.

Accordingly, the processor 120 can optimally store the investor information as supplementary information that can be referred to when recruiting investors for the pre-investment trust fund based on trust.

Accordingly, the processor 120 may attract investors by providing investor recruitment information for investors based on the stored investor information optimized as additional data.

The advisory support server 200 receives the value evaluation request signal for the entrusted asset secured by the pre-investment trust based on the entrusted asset security from the financial technology service apparatus 100, performs the value evaluation, and transmits the evaluation result data to the financial technology service apparatus 100).

The advisory support server 200 can calculate the value of the entrusted asset based on the value evaluation request signal received from the financial technology service device 100. [ The value result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

The consulting support server 200 may execute various scenario accessing processes for the entrusted assets to generate risk management information for the requested entrusted assets. Risk management information is generated through evaluation of data and analytical techniques on the value of the entrusted assets requested for evaluation.

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 loan applicant who has been approved for loan by the financial technology service apparatus 100 and performs the process of depositing the loan to the deposit account designated by the loan applicant. 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. In addition, the financial support server 300 communicates with the first information terminal 400 of the lender applicant 4 to periodically or irregularly perform the interest and principal repayment process.

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

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 300 and the archive support server 600 through a communication network, Respectively.

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

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 300 and the archive support server 600 by the loan applicant 4 and the investor 5 Lt; RTI ID = 0.0 > and / or < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. This communication network transmits signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 300, and the archive support server 600 .

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 300 and the archive support server 600 via a communication network and use various financial transaction services Lt; RTI ID = 0.0 > wired / wireless < / RTI >

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, the first information terminal 400 and the second information terminal 500 may include a Palm PC, a smart phone, A financial support service device 300 such as a mobile game terminal, a Digital Multimedia Broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, etc., a financial support server 300, Or a wired / wireless home appliance / communication device having a user interface for accessing the wired / wireless home appliance / communication 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.

The archive support server 600 communicates with the first information terminal 400 and the financial technology service device 100 to perform a process of generating and storing entrusted asset information.

The archive support server 600 may provide the generated entrusted asset information to the first information terminal 400 or the financial technology service apparatus 100. [

FIG. 4 is a flowchart illustrating a P2P loan financial data processing method for a pre-funded mortgage-based pre-mortgage and a post-mortem briquette according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service device 100 receives loan application information from the first information terminal 400 (S10). The loan application is for the P2P loan of the necessary funds by using the entrusted assets secured by the loan applicant (4) as the collateral secured by the pre-investment fund based on the trust assets.

Here, the loan application information may include the entrusted asset information, the loan desired amount, the loan condition, the deposit account number, the name, the telephone number, the e-mail address, and the evaluation grade.

The evaluation rating may include the investment trustworthiness rating of the applicant who is calculated and given by the evaluation process of the financial technology service device 100. [

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 device 100 may provide a contract agreement screen, a member information input screen, a loan selection screen, and a loan condition input screen for inputting loan application information.

The financial technology service device 100 performs the lending possibility authentication process as part of the lending examination process based on the lending application information received from the first information terminal 400 (S20).

The financial technology service apparatus 100 may request the consultation support server 200 to evaluate the value of the loan application information and to make a loan possibility.

The financial technology service apparatus 100 can receive the value evaluation determination information about the entrusted asset described in the loan application information from the advisory support server 200 and determine whether the loan can be made. As a result of the determination, if the lending is possible, the lendable guidance information is transmitted to the first information terminal 400. If it is determined that lending is impossible, the lendable guidance information can be transmitted to the first information terminal 400. [

Meanwhile, the financial technology service apparatus 100 can perform the loan demand forecasting investigation process as part of the loan examination process (S30). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [ However, the present invention is not limited thereto, and the loan demand forecasting investigation process can be selectively applied. Therefore, the loan demand forecasting investigation process can be omitted.

The financial technology service apparatus 100 interworks with the second information terminal 500 to process various data necessary for estimating the possibility of attracting investors from the investors through the loan demand forecasting examination process, Can be performed.

In other words, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand forecast P2P platform to predict loan demand for the investors in cooperation with the second information terminal 500. [ 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. [

In addition, the financial technology service apparatus 100 interworks with the first information terminal 400 to process various data necessary for allowing the loan applicant to modify the loan conditions based on the loan demand forecast result, Can be performed.

To this end, the financial technology service apparatus 100 may generate demand forecasting request information for counting the available funds to be invested in the loan executed using the entrusted asset secured as collateral by the pre-investment fund based on the trust asset security.

Demand prediction request information may include information on entrusted asset information, loanable amount, loan interest rate, loan period, early repayment rate, profit distribution ratio, and interest payment method.

Accordingly, the investors participating in the demand forecast can generate the demand forecast result information by responding to the items described in the demand forecast request information items according to their own investment methods. For example, investors participating in demand forecasts can enter or select entrusted asset information and loanable amounts. You can enter or select a loan interest rate. You can set the loan period. 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.

On the other hand, the financial technology service apparatus 100 interworks with the first information terminal 400 and processes and communicates data and electronic signals necessary for the loan applicant to modify the loan condition based on the loan demand forecast result Can be performed.

For example, the financial technology service device 100 can guide the amount collected through demand forecasting based on the demand forecast result information, and apply for a loan for the collected amount It is possible to provide the first information terminal 400 with inquiry information about whether to accept the request. Accordingly, if the amount of the loan is lower than expected, the loan applicant may apply for a loan and proceed with the loan if he / she wishes to borrow even some amount of loan.

Meanwhile, the financial technology service apparatus 100 stores the demand forecast result information received from the second information terminal 500. The stored demand forecast result information can be used to perform the cashing of the collateral.

The demand forecasting investigation process can be used to predict the response that the loan applicant's proposed loan conditions will cause on that platform. Through the demand forecasting process, the applicant can determine whether the loan conditions he or she intends to propose are appropriate. For example, a loan applicant may be able to receive a loan even if he or she proposes conditions favorable to him or her rather than a first-call-wish proposal condition submitted to the demand forecasting process. For example, a loan applicant 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.

Through the demand forecast investigation process, the financial technology service apparatus 100 can determine whether the loan condition of the mortgage-based investment product to be launched is appropriate. For example, the financial technology service apparatus 100 can estimate that even if a favorable condition for a loan applicant is offered, it is possible to receive a loan rather than an initial loan offer condition submitted to the demand forecasting investigation process. In this case, the financial technology service apparatus 100 can guide the first information terminal 400 about the possibility that the attracting of investors may be prematurely terminated due to the value stability of the secured asset, and suggest a higher loan interest rate There is also a number, and it is possible to suggest a higher loan amount. In addition, the financial technology service apparatus 100 can reflect such positive demand forecast results as a reference for the loan review process.

On the other hand, the financial technology service apparatus 100 can estimate that the P2P loan can not be made as the first proposal condition submitted to the demand forecasting investigation process. In this case, since the investment profitability of the trust asset is not evaluated positively in the current market for the application of the mortgage loan to the first information terminal 400, the financial technology service apparatus 100 can not attract investors for a long period of time It is possible to guide the possibility that it may be difficult to terminate. Also, since the investment value of the entrusted asset is not being evaluated positively in the current market for the loan application to the first information terminal 400, the financial technology service apparatus 100 needs a higher loan interest rate , And may suggest a lower loan amount. In addition, the financial technology service apparatus 100 can reflect such negative demand forecast results as references in the loan review process.

The financial technology service apparatus 100 determines whether the loan is executed based on the value evaluation and loan possibility obtained in conjunction with the advisory support server 200 with respect to the secured loan application information in the loan review process, .

For example, the financial technology service apparatus 100 may finally determine whether to execute the loan considering the value evaluation and the possibility of lending obtained through interlocking with the advisory support server 200. [ In this case, the demand forecast survey result is merely a reference for whether the loan is executed or not, and it may not be actually reflected.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecast result. In this case, the feasibility evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 are merely reference data internally, and may not be substantially reflected.

For example, the financial technology service apparatus 100 may finally determine whether to execute the P2P loan taking account of the possibility of the collateral availability evaluation and the lending possibility acquired through the interlocking with the advisory support server 200. [ In this case, the results of the demand forecast survey can be used as a reference for the execution of the mortgage loan and some can be reflected. In this case, the results of the demand forecast survey may not necessarily be a requirement to prevent a loan from being executed.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecasting result. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 can be partially reflected as a reference for the execution of the secured loan. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 may not necessarily be a necessary requirement to prevent the lending from being executed.

For example, the financial technology service apparatus 100 can finally determine whether to execute the mortgage loan taking into consideration the possibility of the mortgage-possible evaluation and the loan obtained through interlocking with the advisory support server 200, have. In this case, the collateral feasibility evaluation obtained through interlocking with the consulting support server 200 and the possibility of lending or the result of demand forecasting may correspond to the essential requirement that the lending can not be executed.

In other words, if the mortgage feasibility evaluation and loan possibility obtained through interlocking with the consulting support server 200 and the judgment ratio are provided for each of the demand prediction investigation results, or if either of the two can not achieve the minimum rate, It may fail to execute.

If it is determined that the secured loan can be made, the financial technology service apparatus 100 performs the loan advance process through communication of the first information terminal 400 (S40).

To this end, the first information terminal 400 may access the integrated network and perform a payment assurance completion process for securing entrusted assets as collateral based on the loan application. The first information terminal 400 can access the integrated network and perform the corresponding process for the payment assurance process based on the loan application.

The financial technology service apparatus 100 can receive the payment guarantee completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal for confirming that the payment guarantee has been completed from the loan applicant.

The financial technology service apparatus 100 opens an investment product based on the loan application information received from the first information terminal 400 when the pre-loan process is completed, and transmits the investment product to the second information terminal 500 So that the investor can apply for investment and receive the investment money (S50). Also, the financial technology service apparatus 100 receives the investment application information from the second information terminal 500, analyzes the investors, and provides the analyzed investor information to the first information terminal 400.

At this time, the financial technology service apparatus 100 can display the investment goods information so that the investment goods in which the second information terminal 500 is opened can be browsed for investment attraction. The investment product information may include entrusted asset information, investment decision information, and loan condition information.

The entrusted asset information may include information on entrusted asset information that can be viewed by the investors in the loan application information. For example, entrusted asset information may include entrusted asset information, loan amount, loan conditions, and rating.

Investment reference information may include a summary of the loan receivable, an overview of the loan receivable, a description of the loan purpose, a description of the payment guarantee, an introduction to the loan customer, a valuation of the investment adviser, investor reward information,

The loan receivable summary may include the name of the loan receivable, the interest rate, the rating of the collateral, the details of the loan application, the debtor and the collateral information.

Here, the loan application details may include the type of product, the period of the loan, the amount of the loan, the loan interest rate, the repayment method, the interest payment date, the monthly interest amount, The type of product may be, for example, a general loan.

The outline of the loan receivable may include the name of the loan receivable, the details of the payment guarantee, the name of the applicant of the loan, and the identity information of the applicant of the loan.

The purpose of the loan may include the purpose for which the applicant applies for the loan.

The introduction of the loan customer can include the loan customer information. For example, the introduction of a loan customer may include the name, photo, and history of the loan customer.

Valuation of investment advisors may include ratings, items, indexes and analysis opinions. For example, items can be divided into stability, profitability, liquidity, and total. The analysis opinion may include the present value of the trust assets, future development potential, expected margin rate, cash cow diagnosis contents, stability judgment information.

The risk information for the investment may include, for example, information that does not guarantee principal and return for the loan product, and that informs investors that there is a potential for loss of investment and principal.

The investment decision information may include investment decision information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include formal investment decision information and non-standardized investment decision information. The investment decision information formatted here includes investment decision information quantified by a formal loan evaluation arithmetic expression of the loan review process based on the application information received from the first information terminal 400 by the financial technology service apparatus 100 can do. For example, the structured investment decision information may include a numerical index that is formulated by the financial technology service apparatus 100 to be submitted to the advisory support server 200 for evaluation of the loan application information and possibility of lending.

Meanwhile, the informal investment decision information may include information that can be viewed by the investors based on the demand forecast result information obtained through the demand prediction. For example, the informal investment decision information can be selectively included among the number of investors participating in the demand forecast survey, the estimated investment magnitude, investor information, information on the result of the investment participation check, and investment fund information.

Here, the investor information may optionally include the type of investor participating in the demand forecasting survey, the investor's job group participating in the demand forecasting survey, the company information participating in the demand forecasting survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may optionally include email, telephone number, and SNS account information. The investment propensity information may optionally include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The investment fund information may optionally include the amount of the investment fund, the investment period, and the investment type information. The investment type information may optionally include interest income investment, equity participation investment, interest income and equity participation investment.

At this time, the non-standardized investment decision information may be set to different types of information that can be browsed according to the rating of the investor. For example, informal investment decision information can be set differently among general members, specialists, special members and VIP members.

In this case, to differentiate information types that can be browsed according to the investor 's rating on informal investment decision information, it is to give practical help to investors considering the tendency of investors.

For example, a general member may lack expertise in investment relative to a professional member. Therefore, if too specialized information is listed, general members will be confused about the investment information, resulting in psychological barrier formation. However, in the case of expert members, if too general information is listed, it results in not giving psychological reliability to the investment information. Therefore, it is possible for ordinary members to judge whether or not to invest, without giving psychological burden on the investment information by providing plain information according to the eye level of general members. Likewise, expert members can provide an in-depth type of information tailored to the level of expert members, providing an opportunity for thorough review of the investment information, thereby enabling them to judge whether or not to invest effectively.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

The financial technology service apparatus 100 can classify the investors from the investment application information received from the second information terminal 500. [

For example, the financial technology service device 100 classifies each investor into investment tendency, investment amount, preference category, preferred business category, and investment preference period from the investment application information and provides investment recommendation information differently for each classified investor have.

For example, the financial technology service apparatus 100 may preferentially provide investment reference information based on the investor preference information included in the loan application information received from the first information terminal 400. [

For example, if an arbitrary loan applicant prefers an aggressive investor, the financial technology service device 100 may preferentially provide the investment reference information to an aggressive investor.

On the other hand, when an arbitrary loan applicant prefers an investor with a stable tendency, the financial technology service apparatus 100 can preferentially provide the investment reference information to the investor with a stable tendency.

Similarly, for example, if an applicant for a loan prefers a small number of investors who invest a large amount of money, the financial technology service device 100 can preferentially provide the investment reference information to a small number of investors who invest a large amount of money have.

On the other hand, for example, when an arbitrary loan applicant prefers a plurality of investors who invest a small amount of money, the financial and technical service apparatus 100 preferentially provides the investors with a small amount of investment reference information can do.

Also, the financial technology service apparatus 100 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information. The financial technology service apparatus 100 may provide the generated investor analysis information to the first information terminal 400. [

At this time, the investor analysis information may include investment amount, investment preference product, investment preferred industry, investment preference period, and investor management grade for each investor.

Investor management information can be created to be used for public relations and investment attraction services. To this end, investor management information can be classified into, for example, simple investor class, participant investor class, and core investor class. Here, a simple investor class can simply include investors who have an interest in the loan interest of a P2P loan. Member participation The investor class may include investors who are likely to participate or participate in the business listed in the investment reference information. The core investor class may include investors who are willing to invest in the company.

At this time, the financial technology service apparatus 100 may communicate with the first information terminal 400 and proceed with the investment inducement after the settlement of the platform fee is completed.

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 (S60). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

When the investment inducement is normally completed, the financial technology service apparatus 100 performs the loan payment, the interest payment and the investment profit payment process (S70).

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

To this end, the financial support server 300 transmits the loan to the loan applicant 4 who has been granted loan approval by the P2P-based financial technology service company 1 by the affiliated financial institution 3, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

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

In addition, the financial technology service apparatus 100 may perform the management and risk management process for the entrusted assets by communicating with the archive support server 600 (S80).

To this end, the financial technology service apparatus 100 may periodically or irregularly receive status information on the entrusted assets from the archive support server 600.

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

On the other hand, the financial technology service apparatus 100 can perform the payment guarantee release process when the payment of the loan is completed (S100).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to execute the payment guarantee release process, and releases the payment guarantee by performing the payment guarantee release process.

FIG. 5 is a flowchart for explaining a lending possibility authentication process in a P2P loan financial data processing method for a pre-funded pre-mortgage-based pre-mortgage and a second pre-financed loan according to an embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 transmits a credit availability certification request information to a financial technology service provider (DB) for a loan application for receiving a necessary loan using a trust asset secured by a pre- To the device 100 (S21). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the authentication of whether or not the first information terminal 400 can grant a loan. Accordingly, the first information terminal 400 can complete the loan availability certification request based on the loan application from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The financial technology service apparatus 100 transmits the value evaluation request information about the entrusted asset to the advisory support server 300 (S22).

The valuation request information is request information inquiring whether the entrusted asset can be the basis of the payment guarantee. The valuation request information may be transmitted to the advisory support server 200 by the financial technology service device 100, but the present invention is not limited thereto.

The financial technology service apparatus 100 receives the valuation determination information on the entrusted asset from the advisory support server 200 (S23).

The financial technology service apparatus 100 determines whether a payment guarantee for executing the loan based on the entrusted asset is possible from the value evaluation decision information on the entrusted asset (S24). If it is determined that payment can be assured, the lendable guidance information is transmitted to the first information terminal 400 (S25).

If it is determined that the payment guarantee can not be made from the value evaluation decision information on the entrusted asset (S24), the financial technology service device 100 transmits the non-performing loan guide information to the first information terminal 400 (S26).

FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in a P2P loan financial data processing method for a pre-funded pre-mortgage-based pre-mortgage and a second-borrowed mortgage according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 may generate demand forecasting information by aggregating available funds to be invested using the demand forecast P2P platform according to the loan demand forecasting investigation process (S31). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [

Here, the demand prediction request information may be generated based on the loan application information received and stored from the first information terminal 400 by the financial technology service apparatus 100. [

The investment allowable amount count check information is based on the valuation result data of the entrusted assets for loan, the failure probability information of the entrusted assets, and the risk management information received from the advisory support server 200 by the financial technology service apparatus 100 Lt; / RTI >

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 loan. In addition, demand forecast request information includes loan application information for predicting demand, evaluation result data on entrusted assets, value estimation result information, non-performing probability information of entrusted assets, risk information of entrusted assets, Management information, or offer amount information.

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, information on the results of the investment participation check, information on the result of the check on participating in the cash collateralization, and investment fund information. Here, the investor information may include the type of investor participating in the demand forecast survey, the investor's job group participating in the demand forecast survey, the company information participating in the demand forecast survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may include email, telephone number, and SNS account information. The investment propensity information may include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The investment fund information may optionally include, for example, the amount of investment funds, the investment period, and the investment type information. The investment type information can optionally include, for example, interest income investment, profit sharing investment, equity participation investment, and differential investment. However, the present invention is not limited thereto and may include various investment fund information or investment type information. 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. 7 is a view for explaining the concept of P2P loan financial data processing for a pre-fund and a plumb bass based on a trust asset security according to an embodiment of the present invention.

7, the P2P-based financial technology service company 11 transmits to the first service user 14, the second service user 15, and the third service user 17 a fee-based pre- P2P loan financial data processing service can be performed.

The third service user 17 can borrow the necessary funds from the P2P-based financial technology service company 11 as collateral for the trust assets.

To this end, the third service user 17 can inquire about the availability of the loan, the loanable amount, and the loan condition with the entrusted asset as collateral to the P2P-based financial technology service company 11. The third service user 17 can accept the loan availability, loanable amount, and loan condition provided from the P2P-based financial technology service company 11 and apply for the loan.

Accordingly, the P2P-based financial technology service company 11 performs an advance loan process for securing the entrusted assets of the third service user 17 as collateral and establishes an investment product for lending to the third service user 17 To attract investment.

The first service user 14 can apply for preliminary investment to the P2P-based financial technology service company 11 for the investment product opened by the P2P-based financial technology service company 11. [

The first service user 14 can deposit the investment money if the investment acceptance of the P2P-based financial technology service company 11 is accepted.

The P2P-based financial technology service company 11 can execute the loan by transferring the investment deposited by the first service user 14 to the account of the third service user 17. [

The third service user 17 periodically pays the interest to the P2P-based financial technology service company 11 according to the loan condition and repays the principal on the loan repayment date.

Accordingly, the P2P-based financial technology service company 11 pays interest charged to the first service user 14 on a predetermined date, and reimburses the invested money when the predetermined period is reached.

Here, the interest paid to the first service user 14 by the P2P-based financial technology service company 11 may be the interest paid by the third service user 17, and the interest paid by the third party user 17 may be used You can pay it first.

It is referred to as a pre-investment process that the first service user 14 invests in an investment product established by the P2P-based financial technology service company 11.

The first service user 14 performs preliminary investment on the investment product opened by the P2P-based financial technology service company 11 and then uses the entrusted asset secured by the corresponding preliminary fund to perform a subsequent financing process Can be performed.

For subsequent financing, the first service user 14 inquires of the P2P-based financial technology service company 11 about the availability of the loan, the possible loan amount, and the loan condition using the entrusted asset secured as collateral through the pre- . The first service user 14 can accept the loan availability, loanable amount, and loan conditions provided from the P2P-based financial technology service company 11 and apply for the loan.

Accordingly, the P2P-based financial technology service company 11 additionally maps subsequent funding items to the entrusted assets of the third service user 17 already secured as collateral by the pre-payment process of the first service user 14 And to open an investment product for lending to the third service user 17 to attract the investment money. The additional mapping here means that the mortgage will be released to the entrusted asset if the loan is repaid due to subsequent financing.

The second service user 15 invests cash assets in the P2P-based financial technology service company 11 in a crowd-funded manner. Then, the second service user 15 receives the interest settled from the P2P-based financial technology service company 11 and is paid the principal on the loan repayment date, and part of the generated investment profit can be distributed. Here, interest can be paid in cash. Investment proceeds here may include changes in the value of the entrusted assets or investment profits generated through value creation

The second service user 15 can apply for preliminary investment to the P2P-based financial technology service company 11 for the investment products opened by the P2P-based financial technology service company 11. [ Here, the second service user 15 may be an individual, an enterprise, or a group, and may be plural.

The second service user 15 can deposit the investment money if the investment acceptance of the P2P-based financial technology service company 11 is accepted.

The P2P-based financial technology service company 11 can execute the loan by transferring the investment money deposited by the second service user 15 to the account of the first service user 14. [

The first service user 14 periodically pays interest to the P2P-based financial technology service company 11 in accordance with the loan condition by the subsequent financing process and repays the principal on the loan repayment date.

Accordingly, the P2P-based financial technology service company 11 pays the interest charged to the second service user 15 for each fixed date, and reimburses the investment money when the fixed period is reached.

Here, the interest paid to the second service user 15 by the P2P-based financial technology service company 11 may be the interest paid by the first service user 14, You can pay it first.

Here, the first service user 14 transmits the interest charged for each of the fixed days through the P2P-based financial technology service company 11 by the pre-investment process executed with the entrusted assets of the third service user 17 as collateral You will be paid.

On the other hand, the first service user 14 accesses the P2P-based financial technology service company 11 by the subsequent financing process executed using the entrusted assets of the third service user 17 secured as collateral by the pre- You will be paid the interest charged for each commitment date.

That is, the P2P-based financial technology service company 11 transmits interest calculated for each of the fixed-term contracted by the preliminary process of the first service user 14 executed with the entrusted assets of the third service user 17 as collateral, To the service user (14).

On the other hand, the P2P-based financial technology service company 11 has the first service user 14 executed using the entrusted assets of the third service user 17 secured as collateral by the pre-investment process of the first service user 14, The interest will be paid on the due date due to the subsequent financing process.

Accordingly, the P2P-based financial technology service company 11 can set the order of the tasks to be paid or interest paid based on the same entrusted assets.

That is, the P2P-based financial technology service company 11 has a procedure of receiving from the first service user 14 the interest settled every due date by the subsequent financing process of the first service user 14 based on the same entrusted asset The first service user 14 can perform the procedure of paying the interest charged for each predetermined period by the pre-payment process of the first service user 14 to the first service user 14. [

In another embodiment, the P2P-based financial technology service company 11 may calculate interest based on the fixed date for the first service user 14 by the subsequent financing process of the first service user 14 based on the same entrusted asset , The first service user 14 can be provided with the first service user 14 only with the difference of interest calculated for each predetermined period by the preliminary process of the first service user 14. [

Likewise, a P2P-based financial services company (11) can set the order of work even if it performs principal repayment and profit distribution by the pre-funding process and the follow-up financing process.

That is, the P2P-based financial technology service company 11 precedes the procedure of receiving the principal repayment and the profit distribution by the subsequent financing process of the first service user 14 from the first service user 14 based on the same entrusted asset The first service user 14 can perform the procedure of paying the principal reimbursement and the profit distribution according to the pre-payment process of the first service user 14 to the first service user 14. [

In another embodiment, the P2P-based financial technology service company 11 may provide the principal repayment and revenue distribution to be performed on the first service user 14 by the subsequent financing process of the first service user 14 based on the same entrusted asset And the payment of the difference between the principal repayment and the profit distribution to be performed on the first service user 14 by the preliminary process of the first service user 14 to the first service user 14 .

In the embodiment of the present invention, the P2P loan financial data for the pre-investment trust based on the trust asset and the latter for the loan money to execute the loan to the loan applicant who desires the P2P loan of the necessary funds by using the trust asset secured as the secured by the pre- The processing method has been described in detail.

We also explained how to raise money for investors who want to invest their cash assets in a crowd-funded way, and lend them to the applicant.

However, in an embodiment of the present invention, in the conventional procedure of the loan, the P2P loan, the crowd funding, and the data and electronic data for performing the procedure, which are executed using the entrusted asset secured as collateral by the pre- Some description of the processing of the signal may be omitted. If the knowledge of the relevant fields is such that they can be variously selected and implemented by a common procedure, data and electronic signal processing, it is possible to implement the P2P loan finance technology service method It can be seen that various implementations are possible.

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 (15)

The financial technical service device establishes first investment goods information including investment reference information based on the loan application information of the applicant and performs processing of data and electronic signals for proceeding with the first investment attraction;
The financial technical service apparatus receives the investment amount of the first investor based on the first investment application information received from the first information terminal through the communication with the financial support server and receives the investment amount provided by the loan applicant as collateral Performing one loan and processing data and electronic signals for transferring the loan to the account specified in the loan application information of the loan applicant;
Wherein the financial technical service device receives the first interest from the loan applicant based on the first loan through communication with the financial support server and receives data and electronic signals for paying the first investment profit to the first investor Performing a process;
The financial technical service apparatus opens second investment product information including investment reference information based on the loan application information of the first investor received from the first information terminal, Performing processing of the signal;
The financial technical service apparatus receives the investment amount of the second investor based on the second investment application information received from the second information terminal through communication with the financial support server and receives the second loan with the entrusted asset as a security Executing data and electronic signal processing for transferring the loan to the account specified in the loan application information of the first investor; And
Wherein the financial technical service device receives a second interest from the first investor based on the second loan through communication with the financial support server and receives data and electronic signals for paying a second investment proceeds to the second investor And performing a process of:
Wherein the first interest rate of the first loan has a loan interest higher than the second interest rate of the second loan and the period of the first investment attraction is shorter than the period of the second investment attraction, The latter method for P2P loan financial data processing for gold coins.
delete delete delete delete The method according to claim 1,
Further comprising the step of performing a P2P loan examination on the security of the trust asset based on loan application information of the first investor received from the first information terminal by the financial technology service device, How to process P2P loan financial data for gold coins.
7. The method of claim 6, wherein performing the loan review comprises:
The financial technical service apparatus proceeds demand forecasting of the entrusted asset through communication with the second information terminal based on the loan application information received from the first information terminal, A method of processing P2P loan financial data for pre - and post - mortgage - based mortgage - backed securities.
8. The method of claim 7, wherein performing the loan review comprises:
Generating demand prediction request information for aggregating investment available funds to be invested in a P2P loan using the demand forecast P2P platform and transmitting the demand prediction request information to the second information terminal;
Receiving demand prediction result information from the second information terminal; And
Transferring the creditable guidance information to the first information terminal when the collection amount is satisfied according to the demand prediction result information and transmitting the non-circulation guidance information to the first information terminal if the collection amount is not satisfied A method for processing P2P loan financial data for asset - collateralized pre - and post - collateral borrowing.
9. The method of claim 8,
The financial technical service device guides the amount collected through the demand prediction based on whether the amount of money is satisfied based on the demand forecast result information, and inquires about whether to apply for or accept a loan for the money And providing the P2P loan financial data to the first information terminal.
delete delete delete delete A data storage unit for storing loan application information, investment product information, and investment application information including entrusted asset information and loan condition information received from the first information terminal; And
Discloses first investment product information including investment reference information based on loan application information of a loan applicant, performs processing of data and electronic signals for proceeding with first investment promotion, The first investor deposits the investment amount of the first investor based on the first investment application information received from the first information terminal and executes the first loan with the entrusted asset provided by the loan applicant as collateral, Wherein said first investor is further configured to perform processing of data and electronic signals for transferring a loan to a designated account and to receive a first interest from said loan applicant based on said first loan through communication with said financial support server, 1 processing of data and electronic signals for paying out the investment proceeds, and the first investor The second investment product information including the investment reference information is opened based on the loan application information, the data and electronic signal processing for proceeding with the second investment are performed, and the second investment product information including the second The second investor deposits the investment of the second investor on the basis of the second investment application information received from the information terminal and executes the second loan with the trust asset as a security to transfer the loan to the account specified in the loan application information of the first investor And a second borrower for receiving the second interest from the first investor based on the second loan through communication with the financial support server and for paying a second investment proceeds to the second investor And a processor for performing processing of the data and the electronic signal for performing the processing,
Wherein the first interest rate of the first loan has a loan interest higher than the second interest rate of the second loan and the period of the first investment attraction is a shorter period than the period of the second investment attraction. delete

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