KR101955546B1 - Lending Meditation Platform System and Credit Estimating Apparatus and Method thereof - Google Patents

Abstract

A credit intermediation platform system and a credit rating apparatus and method for enabling a financial institution to grasp creditworthiness information of a lender based on an interpersonal lending service are provided. The loan brokering platform system comprises: a communication unit for transmitting and receiving data to and from the lender terminal and the investor terminal, and for receiving loan application information from the lender terminal; generating investment commodity information based on the loan application information; A transaction history database for storing the user information and the transaction history of the borrower based on the matching result, and a transaction history database for storing the transaction history stored in the transaction history database, And a user information providing unit for providing the user information and transaction history to the affiliated financial institution server through the communication unit when the credit rating condition is satisfied.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit intermediation platform system,

The present invention relates to a loan brokerage platform system and a credit rating apparatus and a method thereof, and more particularly, to a loan brokerage platform system and a credit rating apparatus for allowing a financial institution to grasp creditworthiness information of a borrower based on a loan service will be.

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

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

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

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

Here, in general, a lender is a person who is difficult to receive a loan due to a low credit rating from an existing financial institution. In the case of a financial institution, if there is a transaction history of the lender, it is possible to judge whether the lender is a lender having the actual credit based on the transaction history even if the credit rating is low. However, there is no way to determine the actual creditworthiness of the borrower because there is no transaction history because the loan does not proceed if the credit rating is low. Therefore, it is necessary to develop a system and method for evaluating the actual creditworthiness of those who can not receive loans from financial institutions due to their low credit ratings.

Korean Patent Publication No. 10-0773295

One embodiment of the present invention is to receive a loan application with an efficient loan brokerage online and to provide information on investment products to investors so that the lender can receive the loan at a faster rate and at a lower interest rate and invest in the investment product desired by the investor A loan brokering platform system and a method of providing a loan brokering service.

In addition, an embodiment of the present invention can provide a credit intermediation platform system and a credit rating apparatus and method that can provide credibility information of a lender to an affiliated financial institution based on a loan intermediation platform system and method thereof.

According to another aspect of the present invention, there is provided a loan intermediation platform system comprising: a communication unit for transmitting and receiving data to and from a loaner terminal and an investor terminal, and receiving loan application information from the loaner terminal; A matching unit for generating investment product information based on the loan application information and providing the investment product information to the investor terminal through the communication unit to match the loaner and the investor; A transaction history database that stores user information and transaction history of the borrower based on the matching result; And a user information providing unit for providing the user information and the transaction history to the affiliated financial institution server through the communication unit when the transaction history stored in the transaction history database satisfies predetermined credit conditions.

According to another embodiment of the present invention, the user information and the transaction history include information for determining the creditworthiness of the borrower through the credit rating system (CSS) of the affiliated financial institution server .

According to another embodiment of the present invention, the user information providing unit may calculate a credit score for the borrower based on at least one of the user information and the transaction history, and transmit the calculated credit score to the affiliated financial institution server And further providing the above-mentioned information.

According to another embodiment of the present invention, the user information provider may group the user information and the transaction history on the basis of the user information, provide the grouped user information and the transaction history to the affiliated financial institution server .

According to another embodiment of the present invention, the matching unit may determine the interest rate based on the transaction history stored in the transaction history database, and generate the investment goods information based on the determined interest rate.

The credit rating apparatus according to an embodiment of the present invention includes a communication unit for receiving user information and transaction history of a plurality of borrowers from a loan broking platform system; A correcting unit for correcting an evaluation process for determining the creditworthiness of the lender based on the received user information and transaction history; And a personal credit rating system (CSS) that determines the creditworthiness of the user based on the corrected evaluation process.

According to another embodiment, the correcting unit may be configured to extract the similarities between the user information and the transaction histories of the plurality of borrowers, determine the degree of association between the similarity and the creditworthiness, and perform the evaluation process based on the determined degree of association And the correction is performed.

According to another embodiment of the present invention, the personal credit rating system may determine an interest rate of a loan service to be provided to the borrower based on the creditworthiness.

According to an aspect of the present invention, there is provided a method of mediating a loan, comprising: receiving and transmitting data to and from a lender terminal and an investor terminal; receiving loan application information from the lender terminal; Generating investment product information based on the loan application information, and providing the investment product information to the investor terminal through the communication unit, thereby matching the loaner and the investor; Storing the transaction history of the lender based on the matching result; And providing the user information of the user and the transaction history to the affiliated financial institution server through the communication unit when the transaction history stored in the transaction history database satisfies a preset credit rating condition.

According to another embodiment, the user information and the transaction history may include information for the partner financial institution server to determine the creditworthiness of the borrower through a personal credit rating system (CSS) .

According to yet another embodiment, a method for mediating the loan further comprises calculating a credit score for the lender based on at least one of the user information and the transaction history, The step of providing the history to the affiliated financial institution server through the communication unit may further provide the calculated credit score.

According to another embodiment of the present invention, the step of providing the user information and the transaction history to the affiliated financial institution server through the communication unit comprises: grouping the user information and the transaction history on the basis of the user information; And providing the grouped user information and the transaction history to the affiliated financial institution server.

According to still another embodiment, the matching step includes the steps of: determining an interest rate based on the transaction history stored in the transaction history database; And generating the investment goods information based on the determined interest rate.

In addition, the loan brokering platform system according to another embodiment may be configured as a cloud computing interface.

A credit rating method according to an embodiment of the present invention includes: receiving user information and transaction history of a plurality of borrowers from a loan brokering platform system; Correcting an evaluation process for determining the creditworthiness of the lender based on the received user information and the transaction history; And determining the creditworthiness of the user based on the corrected evaluation process.

According to the above-described object of the present invention, the lender can receive the loan at a faster rate and at a lower interest rate through the efficient loan intermediation through the Internet, and the investor can secure the interest income more safely than the interest income provided by the commercial bank You can make free cash investments.

According to an exemplary embodiment, since an excellent customer that mediates a personal-to-individual loan can be provided to an affiliated financial institution, the platform operator can provide a service for recommending an excellent customer to a financial institution.

According to another embodiment, the affiliated financial institution can substantially complement the existing credit rating method by evaluating the creditworthiness of the lender by using the information held by the platform operator. In addition, affiliated financial institutions can identify the creditworthiness of borrowers with low creditworthiness and no history of transactions.

Further, according to another embodiment, the affiliated financial institution may determine an appropriate interest rate for the lender according to the creditworthiness.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram illustrating a loan brokerage platform system according to an exemplary embodiment of the present invention.
2 is a flowchart illustrating a process in which a loan brokering platform system matches a lender and an investor in accordance with an embodiment.
3 is an exemplary diagram illustrating a user interface for a lender to input information included in a loan application through a lender terminal according to an exemplary embodiment of the present invention.
4 is an exemplary diagram illustrating a user interface for an investor to confirm information on an investment product through an investor terminal and to select an investment product according to an embodiment.
5 is a block diagram briefly illustrating the structure of a loan brokering platform system according to one embodiment.
6 is a flow diagram illustrating a process by which a loan brokering platform system provides credit information in accordance with one embodiment.
7 is a block diagram briefly showing a structure of a credit evaluation apparatus according to an embodiment.
8 is a flowchart showing a process of evaluating the creditworthiness of the creditworthiness evaluation apparatus according to an embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

It will be understood that throughout the specification, when a part is referred to as being "connected" to another part, it is understood that this is not necessarily the case when it is "directly connected", but also when it is "electrically connected" And "connected to enable communication". Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram illustrating a loan brokerage platform system according to an exemplary embodiment of the present invention. 1 and FIG. 1 are merely examples for explaining the basic configuration of a loan brokerage platform system for brokering this individual-to-individual financial transaction according to some embodiments, and thus the present invention is not limited thereto. The loan brokerage platform system according to the present invention may mediate between individual and individual financial transactions through a structure different from that shown in FIG.

The loan brokering platform system 100 according to an embodiment may include a platform operation unit 110 and a loan execution unit 120. Here, the loan brokering platform system 100 may include a device capable of transmitting and receiving data with the lender terminal 140 and the investor terminal 150 and processing information. For example, the loan brokering platform system 100 may be configured using a cloud computing interface. According to the embodiment, the platform operating unit 110 is a server operated by a platform operator who operates a platform for mediating a loan, and the loan execution unit 120 is a linked financial institution (loan executor) And a server operating in the Internet. Here, the linked financial institution may be a loan company. However, the platform management unit 110 and the loan execution unit 120 may be implemented or distributed on one server, but are not limited thereto.

The loaner terminal 140 and the investor terminal 150 may connect to the loan brokering platform system 100 via an app or web installed in each terminal and transmit and receive data. The loaner terminal 140 and the investor terminal 150 may be terminal devices including input / output devices such as a smart phone, a PC, a PDA, a laptop, a tablet PC, and an information processing device, but are not limited thereto.

The investor information database 160 stores the investor information including the identification information on the investor and the bond information, which is information on the bond held by the investor with respect to the loan executed by the borrower through the platform operator. The investor information database 160 may be configured through a storage medium physically included in the loan intermediation platform system 100, but may be separately configured in a remote storage medium. The bond information stored in the investor information database 160 may include information on the principal of the investment invested by the investor through the platform operator, the interest accrued on the investment, and the amount paid to the investor on the principal.

The affiliated financial institution server 130 may be a server 130 operated by an affiliated financial institution. An affiliated financial institution may withdraw the loan executed by the platform operator against the borrower if the platform operator or the linked financial institution incurs a default (bankruptcy of the platform operator or default of the loan practitioner). In addition, the affiliated financial institution can distribute the loan to the investors who have invested in the loan product, thereby preventing some investors from failing to collect the investment money at all. Here, the affiliated financial institution may set a pledge on the lien on the loan money of the linked financial institution as the loan is executed to recover the loan. However, this is not limited. Since the affiliated financial institution has the pledge set for the lien, it can carry out the post-processing on the loan that has been recovered.

Here, in order for the partner financial institution to fulfill the above-mentioned role, the platform operator, the linked financial institution and the affiliated financial institution should assume responsibility of the platform operator, the linked financial institution and the affiliated financial institution, A regulatory limitation may be established. In this case, the operational restriction condition is a condition that restricts the platform operator from operating the loan brokerage service, which means that the platform operator's default and the default of the loan executor may occur, but the present invention is not limited thereto. In addition, the affiliated financial institution server 130 may include a credit evaluation apparatus. Here, the credit rating apparatus evaluates the creditworthiness of the lender in judging the loan application at the affiliated financial institution, and can determine the financial service that can be offered to the lender such as the availability and the interest rate based on the credit rating. The credit evaluation apparatus can output the credit rating evaluated by inputting the user information representing the property of the lender and the transaction history into the evaluation process. Here, the user information may mean information indicating the property of the borrower. For example, information such as a lender's credit rating, income, residential type, occupation, or marital status may be included in the user information. That is, the user information may include, but is not limited to, economic, social, cultural, and educational attributes. According to one embodiment, the credit evaluation apparatus may store predetermined evaluation conditions in order to evaluate creditworthiness. Here, the evaluation process can evaluate the creditworthiness by filtering the borrower based on the attributes of the borrower and whether the transaction history satisfies the evaluation conditions. When evaluating creditworthiness in accordance with this valuation process, creditworthiness can be assessed as a credit that can not be provided to a borrower with a low credit rating (for example, 7, 8 or 9). In this case, in order to select a person whose credit rating is lower than the standard for which the credit can be provided, the transaction history including the number of transactions and the period included in the transaction history is more than a certain value, and the delinquency frequency and period are less than a certain value It must exist. However, when the credit evaluation apparatus evaluates the creditworthiness only by the information held by the affiliated financial institution server 130, since the financial transaction is not provided to the person with low creditworthiness, the transaction history is not generated and the reason for reevaluation can be obtained I will not.

However, since the loan brokerage platform system 100 mediates transactions between individuals and individuals so as to enable a lender to have a credit rating lower than that of an affiliated financial institution, the system acquires information on a transaction history that the affiliated financial institution can not acquire . Referring to the transaction history, it is possible to know whether or not the borrower has sincerely repaid the principal in the past, so that the borrower with a higher credit rating can be identified. Accordingly, the credit rating apparatus can evaluate a more substantial credit rating by acquiring the user information and the transaction history from the loan intermediation platform system 100 by the affiliated financial institution server 130. Here, the credit evaluation apparatus can correct the evaluation process for evaluating the creditworthiness based on the user information and the transaction history in order to evaluate the creditworthiness.

According to one embodiment, in filtering the borrower based on the predetermined evaluation conditions, the credit evaluation apparatus may determine that the borrower who has received the user information and the transaction history from the loan brokerage platform system 100, Can be excluded. Further, the credit evaluation apparatus may determine an attribute of the lender on the basis of the received user information and transaction history, and may correct the evaluation process based on the determined attribute. For example, when the ratio of the borrower having the attribute of the married person among the user information received from the loan brokerage platform system 100 is equal to or larger than the threshold value, the additional credit degree is given or the weight is set so that the married person's credit evaluation result has a higher value The evaluation process can be corrected.

According to another embodiment, the credit rating apparatus can classify the borrowers into groups based on whether or not they have similar attributes according to the received user information. When the number or ratio of the lenders belonging to a specific group is equal to or greater than the threshold value, the credit rating apparatus may assign a weight so that the credit rating of the user having the attribute is calculated to be high.

The platform operator can recruit investors (purchase) of principal payments, and manage the investors 'funds and pay for the principal' s payment obligations after the execution of the loan of the linked financial company. Here, the principal payment receipt means that a participant concludes a loan participation contract with a credit company as a method of selling a loan asset held by a credit company to a participant. In addition, in relation to the loan agreement formed between the credit company and the borrower, the participant pays the amount equivalent to the principal of the loan to the loan company, but does not affect the bond and the debt relationship between the borrower and the loan company, If the principal and interest are paid by the lender from the lender, the payment shall be made to the participant, and the risk of failing to recover the principal due to delinquency of the lender means the commitment borne by the participant. Investors who acquire the right to receive principal payments through investment do not have the right to be a creditor who can directly receive the principal and withdraw the principal from the borrower who is subject to the loan.

2 is a flowchart illustrating a process in which a loan brokering platform system matches a lender and an investor in accordance with an embodiment. FIG. 2 is for illustrating an embodiment of the present invention, and is not limited thereto.

In step S210, the platform operating unit 110 may receive the loan application information from the loaner terminal 140. [ According to one embodiment, the loaner terminal 140 executes the application installed in the loaner terminal 140 or accesses the web site provided by the platform operation unit 110, 300 can be output. The lender can input the lending application information through the user interface 300. According to one embodiment, the loan application information may include the name of the borrower, the e-mail address, the telephone number, the loan product to be used by the borrower, the address of the real estate collateral, the loan amount, and the loan expiration date.

Upon receipt of the loan application information from the loaner terminal 140, the platform operating unit 110 can determine whether or not the loan can be made based on the received loan application information. Here, the platform operating unit 110 may automatically determine whether or not the loan can be made based on the loan application information, but the platform operating company may input the availability of the loan to the platform operating unit 110 according to the loan application information.

Thereafter, in step S220, the platform operating unit 110 may generate investment product information based on the loan application information. Herein, the investment goods information may include at least one of the information of the borrower, the loan amount, the collateral, the investment risk, and the interest rate. According to one embodiment, the platform operating unit 110 may calculate an investment risk and an interest rate based on a predetermined calculation formula based on loan application information.

Thereafter, in step S230, the platform operation unit 110 may provide the investment product information generated by the investor terminal 150 to the investor. The investor terminal 150 may output a user interface through which the investor can check and select the investment goods based on the investment product information provided from the platform operation unit 110. [

4 is an exemplary diagram illustrating a user interface 400 for an investor to confirm information on an investment product through the investor terminal 150 and to select an investment product according to an embodiment. The user interface 400 for selecting an investment product may include an investment product list 410-1 or 410-2 indicating information on the investment products. When the user selects one of the investment goods lists 410-1 and 410-2 displayed on the investor terminal 150, the investor terminal 150 provides investment application information on the investment product to the platform operation unit 110 . Here, the investment application information may include, but is not limited to, identification information and investment amount of the investment product selected by the investor.

In step S250, the platform operating unit 110 receiving the investment application information provided by the investor terminal 150 may match the investor with the lender who transmitted the loan application information through the lender terminal 140 (S250). Here, matching the lender with the investor means that the loan brokerage platform system matches the investor and the investment amount to the lender's request for the loan. That is, as the lender and the investor are matched, the loan brokering platform system can receive the investment money from the investor who made the investment application for the investment product related to the loan request of the lender, and can execute the loan to the investor.

5 is a block diagram briefly illustrating the structure of a loan brokering platform system according to one embodiment.

According to one embodiment, the loan brokering platform system 500 may include the loan brokering platform system 100 or may be implemented in connection with the loan brokering platform system 100. Alternatively, a loan brokering platform system 500 may be included in the loan brokering platform system 100. However, this is not limited.

According to one embodiment, the loan brokering platform system 500 may include a communication unit 510, a matching unit 520, a transaction history database 530, and a user information providing unit 540.

The communication unit 510 may transmit and receive data to and from the loaner terminal 140 and the investor terminal 150 according to one embodiment. The communication unit 510 may include a communication module that performs communication with the terminal through, for example, the Internet, a wireless communication network, or the like. The communication unit 510 according to the present embodiment can receive the loan application information from the loaner terminal 140. [

The matching unit 520 according to one embodiment may generate investment goods information based on the loan application information. For example, the matching unit 520 transmits the generated investment goods information to the investor terminal 150 through the communication unit 510, thereby displaying the information on the investor terminal 150 through the user interface 510 shown in FIG. 4 . Based on the operations of the communication unit 510 and the matching unit 520, the lender and the investor can be matched as in step S250 of FIG.

The loan brokering platform system 500 may store the user information of the lender and the transaction history in the transaction history database 530 when the lender and the investor match each other. Here, the user information of the borrower may include identification information for identifying the borrower and attribute information indicating the property of the borrower. For example, the attribute information may include information such as the age of the borrower, the occupation (whether it is an earner or self-employed person), and an annual income level. In addition, the transaction history may include information about the transaction made in connection with the loan provided by the lender. For example, information such as the period of time that the lender has traded with the platform operator, the number of times the lender has exceeded the accumulated cumulative delinquency number, and whether the current delinquency is present. Also, according to one embodiment, the user information and the transaction history may include information for analyzing the creditworthiness of the borrower through a personal credit rating system (CSS).

Also, according to one embodiment, the matching unit 520 may determine the interest rate based on the transaction history stored in the transaction history database 530. [ The matching unit 520 can calculate the interest rate by substituting the value estimated from the transaction history into the predetermined interest rate calculation function. For example, the matching unit 520 may calculate the interest rate by substituting the number of trades, the number of delinquencies, and the delinquency period into a predetermined interest rate calculation function. The matching unit 520 may generate investment goods information based on the determined interest rate. For example, when the interest rate is high, the matching unit 520 can generate investment goods information having a high interest rate and a high risk.

The user information providing unit 540 according to the embodiment may determine whether the transaction history stored in the transaction history database 730 satisfies predetermined credit conditions. Here, the predetermined credit condition may refer to information for determining whether the lender has credit based on the information included in the transaction history. For example, the pre-established credit terms may be three months or more after the transaction with the platform provider, three or fewer cumulative delinquent days for the loan, or no current delinquency. The user information providing unit 540 may determine that the lender has credit if the transaction history satisfies the predetermined credit condition. The user information providing unit 540 may provide at least one of the user information of the borrower and the transaction history to the affiliated financial institution server 130 when it is determined that the borrower has a credit.

The affiliate financial institution server 130 may determine whether it is possible to provide a financial service such as a loan to the borrower based on the user information and the transaction history provided from the loan brokering platform system 500. Financial institutions generally do not provide loan services due to the risk of low credit ratings. However, if the loan service is not provided, the transaction history can not be obtained and it is not possible to obtain a basis for judging whether or not there is an object to provide the loan service among the persons with low credit ratings. Accordingly, the affiliated financial institution can more widely grasp a person who has a creditable credit based on the information provided from the loan intermediation platform system 500 through the affiliated financial institution server 130. For example, when the labor income earner has a higher credit rating than the self-employed, the affiliated financial institution server 130 can evaluate the creditworthiness of the earned income earner higher when determining the creditworthiness of the borrower based on the personal credit rating system. That is, the user information and the transaction history may include information for the affiliate financial institution server 130 to determine the creditworthiness of the lender through the personal credit rating system.

According to another embodiment, the user information providing unit 540 may calculate the credit score based on the transaction history. For example, the credit score can be calculated on the basis of the predetermined calculation function based on the transaction period, the number of delinquencies, the number of transactions, and the like. In this case, if the calculated credit score is greater than or equal to the threshold value, the user information providing unit 540 provides the user information, the transaction history, and the calculated credit score of the relevant lender to the affiliated financial institution server 130 can do.

According to another embodiment, the user information providing unit 540 may group user information and transaction history based on user information. The user information providing unit 540 provides the grouped user information and the transaction history to the affiliated financial institution server 130 so that the affiliated financial institution server 130 can analyze the user information and the transaction history by group . For example, the user information providing unit 540 groups the user information and the transaction history on the basis of the user information by job group, age group, and income, so that the affiliated financial institution server 130 can classify the user information, It is possible to analyze the creditworthiness.

6 is a flow diagram illustrating a process by which a loan brokering platform system provides credit information in accordance with one embodiment.

In step S610, the loan mediating platform system according to one embodiment may receive the loan application information from the lender terminal. Here, the lender terminal may receive the loan application information through the Internet, a wireless communication network, or the like, but is not limited thereto.

Thereafter, in step S620, the loan brokering platform system may match the lender and the investor based on the received loan application information. If the lender and the investor are matched, the loan brokering platform system can store the lender's user information and transaction history in the transaction history database in step S830. Here, the user information of the borrower may include identification information for identifying the borrower and attribute information indicating the property of the borrower. According to one embodiment, the user information and transaction history may include information for analyzing the creditworthiness of the borrower through a personal credit rating system (CSS).

Also, according to one embodiment, the loan brokering platform system may determine the interest rate based on the transaction history stored in the transaction history database 530. [ The loan brokerage platform system can calculate the interest rate by substituting the estimated value from the transaction history into the predetermined interest rate calculation function. For example, the loan brokerage platform system can calculate the interest rate by substituting the number of transactions, the number of delinquencies, and the delinquency period into a predetermined interest rate calculation function. The loan brokering platform system may also generate investment product information based on the determined interest rate.

Thereafter, in step S640, the loan brokering platform system can determine whether or not the stored transaction history satisfies the predetermined credit condition. Thereafter, if it is determined that the lender has credit, the loan mediating platform system may provide at least one of the lender's user information and transaction history to the affiliated financial institution server in step S650.

7 is a block diagram briefly showing a structure of a credit evaluation apparatus according to an embodiment.

According to one embodiment, the credit rating apparatus 700 may include a communication unit 710, a corrector 720, and a personal credit rating system (CSS). However, this is not limited.

The communication unit 710 according to one embodiment can perform communication with an external device using wired or wireless communication means. The communication unit 710 may receive the user information of the borrowers and the transaction history from the loan brokering platform system 500.

According to one embodiment, the calibration unit 720 may correct the evaluation process based on the user information and transaction history received from the loan brokering platform system 500. [ The calibration unit 720 may be configured to include, but is not limited to, one or more processors or a cloud computing system. Here, the evaluation process refers to a process of outputting the credit rating result of the lender upon input of information on the lender.

According to one embodiment, the credit evaluation apparatus 700 may further include a storage unit (not shown) that stores predetermined evaluation conditions. Here, the evaluation process may be implemented as a process of filtering the borrower based on the attributes of the borrower and whether the transaction history satisfies the evaluation conditions. But is not so limited, and the evaluation process may be implemented in other forms. For example, the credit value of the lender can be evaluated by adding the value obtained by multiplying the value corresponding to each attribute by the weight.

In filtering the borrower based on predetermined evaluation conditions, the corrector 720 may exclude some evaluation conditions from the filtering condition for the borrower who has received the user information and transaction history from the loan broking platform system 500 .

Also, the corrector 720 may determine the attribute of the borrower based on the received user information and the transaction history, and may correct the evaluation process based on the determined attribute. For example, when the ratio of the borrower having the property of the married person among the user information received from the loan broking platform system 500 is equal to or greater than the threshold value, the corrector 720 adds the married person's credit evaluation result to a higher value The evaluation process can be calibrated by assigning credit ratings or assigning weights.

According to another embodiment, the credit rating apparatus 700 may classify the borrowers into groups based on whether or not they have similar attributes according to the received user information. When the number or ratio of the lenders belonging to a specific group is equal to or greater than the threshold value, the credit rating apparatus may assign a weight so that the credit rating of the user having the attribute is calculated to be high.

Also, according to another embodiment, the corrector 720 may extract similarities between user information and transaction histories of the borrowers. Here, the similarity may be information indicating which attribute the borrower has based on the user information. For example, if the information on the income of the lender's user information is included, it can be determined that the lender has a similar attribute to the income when the income level is similar. In addition, the corrector 720 can determine the degree of association between the extracted similarity and credit. For example, by determining whether a lender of a certain income level has a low delinquency history in the transaction history, the maintainer 720 can determine whether the lenders with similar incomes have high creditworthiness, The degree of association between credit ratings can be determined. Correction unit 720 can correct the evaluation process based on the association between similarities and credit ratings. That is, in the case of similarities with a high degree of correlation with creditworthiness, the evaluation process can be corrected so that the creditworthiness can be evaluated based on the similarity.

The personal credit rating system 730 according to the embodiment can determine the creditworthiness of the lender by processing the user information and transaction history received from the communication unit 710 by the corrector 720 according to the calibrated evaluation process. Also, depending on the embodiment, the personal credit rating system 730 may determine the interest rate of the lending service to be provided to the lender based on creditworthiness. For example, the personal credit rating system 730 can determine the interest rate of a loan service to be provided to a lower lender at a lower interest rate as a higher credit lender.

8 is a flowchart showing a process of evaluating the creditworthiness of the creditworthiness evaluation apparatus according to an embodiment.

First, in step S810, the credit rating apparatus may receive user information and transaction history of a plurality of borrowers from the loan brokering platform system.

Thereafter, in step S820, the credit evaluation apparatus may correct the evaluation process for determining the creditworthiness of the lender based on the received user information and transaction history. Here, the evaluation process may be implemented as a process of filtering the borrower based on the attributes of the borrower and whether the transaction history satisfies the evaluation conditions. But is not so limited, and the evaluation process may be implemented in other forms. For example, the credit value of the lender can be evaluated by adding the value obtained by multiplying the value corresponding to each attribute by the weight.

In filtering the borrower based on the predetermined evaluation conditions, the credit evaluation apparatus may exclude some evaluation conditions from the filtering condition for the borrower who has received the user information and transaction history from the loan brokering platform system.

Further, the credit evaluation apparatus may determine an attribute of the lender on the basis of the received user information and transaction history, and may correct the evaluation process based on the determined attribute. For example, when the ratio of the borrower having the attribute of the married person among the user information received from the loan brokering platform system is equal to or greater than the threshold value, the credit rating apparatus can give the additional credit degree so that the married person's credit rating result has a higher value, The evaluation process can be corrected.

According to another embodiment, the credit rating apparatus can classify the borrowers into groups based on whether or not they have similar attributes according to the received user information. When the number or ratio of the lenders belonging to a specific group is equal to or greater than the threshold value, the credit rating apparatus may assign a weight so that the credit rating of the user having the attribute is calculated to be high.

In addition, according to another embodiment, the credit rating apparatus can extract similarities between user information and transaction histories of borrowers. Here, the similarity may be information indicating which attribute the borrower has based on the user information. For example, if the information on the income of the lender's user information is included, it can be determined that the lender has a similar attribute to the income when the income level is similar. Further, the credit evaluation apparatus can determine the degree of association between the extracted similarity and the credit rating. For example, by determining whether a lender of a certain income level has a low delinquency history in a transaction history, the credit evaluation apparatus can determine whether or not lenders having similar incomes have high creditworthiness, and based on this, The degree of association can be determined. The credit evaluation apparatus can correct the evaluation process based on the correlation between similarities and credit ratings. That is, in the case of similarities with a high degree of correlation with creditworthiness, the evaluation process can be corrected so that the creditworthiness can be evaluated based on the similarity.

In step S830, the credit evaluation apparatus can determine the creditworthiness of the user based on the corrected evaluation process. Further, according to the embodiment, the credit rating apparatus can determine the interest rate of the loan service to be provided to the borrower based on the creditworthiness.

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

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

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

Claims (10)

A platform operating unit for transmitting and receiving data to and from a lender terminal and an investor terminal to match a lender and an investor and determining whether lending is possible; And
And a loan execution unit for executing a loan between the matched loaner and the investor upon receipt of a loan request from the loaner terminal,
The platform operating unit,
A communication unit for transmitting and receiving data with the loaner terminal and the investor terminal and receiving loan application information from the loaner terminal;
A matching unit for generating investment product information based on the loan application information and providing the investment product information to the investor terminal through the communication unit to match the loaner and the investor;
A transaction history database that stores user information and transaction history of the borrower based on the matching result;
Providing the user information and the transaction history to the affiliated financial institution server through the communication unit when the transaction history stored in the transaction history database satisfies a predetermined credit rating condition;
A storage unit for storing restricting agreement information including a default of a platform operator operating the platform operating unit and operating constraints relating to a default of a loan practitioner who is a linked financial institution under contract with the platform operator; And
And an investor information database for storing investor information including bond information, which is information on bonds held by the investor with respect to the identification information on the investor and the executed loan,
Acquiring information about a security right corresponding to the loan, setting a voucher for the security right when the loan is executed, and transmitting information about the security right to the affiliate To a financial institution server,
Wherein the affiliated financial institution server distributes the loan collected according to execution of the pledge by each investor.
delete The method according to claim 1,
The user information providing unit,
A credit score for the lender based on at least one of the user information and the transaction history, and further provides the calculated credit score to the affiliated financial institution server.
The method according to claim 1,
The user information providing unit,
Grouping the user information and the transaction history on the basis of the user information, and providing the grouped user information and the transaction history to the affiliated financial institution server.
The method according to claim 1,
The matching unit,
Wherein the interest rate is determined based on the transaction history stored in the transaction history database and the investment commodity information is generated based on the determined interest rate.
A platform operation unit for matching the lender and the investor by transmitting and receiving data to and from the lender terminal and the investor terminal and determining whether the lender can be lent or the lender between the matched lender and the investor upon receiving the lender request from the lender terminal Wherein the platform operating unit comprises: a communication unit for transmitting and receiving data with the lender terminal and the investor terminal, and receiving loan application information from the loaner terminal; generating investment product information based on the loan application information; A matching unit for matching the lender and the investor by providing investment product information to the investor terminal through the communication unit; a transaction history database for storing the user information and the transaction history of the lender based on the matching result; A user information providing unit for providing the user information and the transaction history to the affiliated financial institution server through the communication unit when the transaction history stored in the database satisfies predetermined credit conditions, A storage unit for storing restricting agreement information including an operating constraint on the default of a loan executor who is a contractual financial institution contracted with the platform operator; and a storage unit for storing the identification information on the investor and the executed loan, And the investor information database storing the investor information including the bond information, which is information on the bonds held by the borrower, and acquires information on the collateral right corresponding to the loan, sets a pledge on the collateral right when the loan is executed , Pledged loans, The system comprising: a plurality of borrowers from a loan brokerage platform system that distributes loan information collected by the brokerage platform system to the partner financial institution server, A communication unit for receiving user information and a transaction history of the user;
A correcting unit for correcting an evaluation process for determining the creditworthiness of the lender based on the received user information and transaction history; And
And a personal credit rating system (CSS) that determines the creditworthiness of the user based on the corrected evaluation process.
The method according to claim 6,
Wherein,
Extracting similarities between user information and transaction histories of the plurality of borrowers, determining a degree of association between the similarity and creditworthiness, and correcting the evaluation process based on the determined degree of association.
Credit Rating Apparatus.
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