KR101980307B1 - Peer To Peer Investment Mediating System - Google Patents

Abstract

The present invention relates to a peer-to-peer (P2P) investment mediating platform in which an investor terminal 120 used by one or more investors 10 and a debtor terminal 130 used by one or more debtors 20, respectively, A peer to peer (P2P) investment mediating platform server 110 connected to each other via a communication network; , ≪ / RTI >
The peer-to-peer (P2P) investment mediating platform server 110 transmits the invested investment with the invested amount including the amount of investment, the return on investment, the investment period and the investment return type through the investor terminal 120 (S1), issues an electronic money for the investment investment to the investor terminal 120 (S2), and transmits the electronic money to the investor terminal 120 through the debtor terminal 130 and includes at least one of the loan amount, the loan interest rate, The investment condition and the loan condition are matched to each other after the loan margin application rate is subtracted from the loan interest rate at step S3, (S4) the loan to the debtor (20) through the debtor terminal (130) in accordance with the investment condition and the loan conditions (S4), and the peer to peer The form server 110 processes the investment money or the loan money by deducting the brokerage fee according to the commission rate in the process of investing the investment money and the loan payment, (100).

Description

Peer to Peer Investment Mediating System [

The present invention relates to a peer-to-peer (P2P) investment mediating platform in which an investor terminal 120 used by one or more investors 10 and a debtor terminal 130 used by one or more debtors 20, respectively, A peer to peer (P2P) investment mediating platform server 110 connected to each other via a communication network; , ≪ / RTI >

The peer-to-peer (P2P) investment mediating platform server 110 transmits the invested investment with the invested amount including the amount of investment, the return on investment, the investment period and the investment return type through the investor terminal 120 (S1), issues an electronic money for the investment investment to the investor terminal 120 (S2), and transmits the electronic money to the investor terminal 120 through the debtor terminal 130 and includes at least one of the loan amount, the loan interest rate, The investment condition and the loan condition are matched to each other after the loan margin application rate is subtracted from the loan interest rate at step S3, (S4) the loan to the debtor (20) through the debtor terminal (130) in accordance with the investment condition and the loan conditions (S4), and the peer to peer The form server 110 processes the investment money or the loan money by deducting the brokerage fee according to the commission rate in the process of investing the investment money and the loan payment, (100).

As is well known, in the modern society, the credit business of financial institutions such as banks and credit companies is an important part. Since most of the profits of financial institutions are created by credit business, each financial institution is required to efficiently perform credit business Trying hard.

Since the credit business is a business that generates a certain amount of economic power for the borrower by collateral or collateral of the borrower, risk avoidance is the most important position. In the case of the borrower, It is more important.

At present, a general credit review process conducted by a financial institution is performed by first inputting a resident registration number or a corporation number repeatedly to the document contents required at the time of receipt of the examination document, outputting the same to the paper sheet, Copied and made to the decision-making body by hand. Once decisions are made in the decision-making body, the original documents are stitched down and kept in the documentation, and if any changes occur later, the documents are found again in the document, At the time of finalization, similarly, documents must be searched for and dissipated. As for the credit business related to the existing financial lending, there exist a plurality of existing inventions including a structure disclosed in "Integrated Financial Credit Loan / Credit Management Integration Management System (Korean Registration No. 10-0956934)" of Patent Document 1 .

However, in the case of such an ordinary loan, since the loan money from the lender is managed by the financial institution and the loan is loaned to the borrower, the risk that the loan can not be recovered should be borne by most financial institutions. Thus, to avoid any further risk, the financial institution will operate the difference between the interest paid to the borrower and the interest paid to the lender. Therefore, the borrower has to pay more interest than necessary, and the lender is forced to earn lower interest income than the possible interest income.

On the other hand, unlike existing financial loans, it is a type of investment relay system that relays funds to borrowers (borrowers) who need funds directly after recruiting investors so that they can finance the funds in a form of investment, There was a method of financing. As an existing invention related to this investment relaying method, there are a number of existing inventions including an " Internet-based investment mediating server and its investment mediation method (Korean Patent Laid-Open No. 10-2001-0095986) "

However, the existing investment brokerage method merely has a feature of processing investment-related information through the Internet.

The present invention solves the above-mentioned problems of the prior invention, and it is an object of the present invention to solve the problems of the above-mentioned invention, to issue a bond certificate in the form of a virtual currency for an investor's investment, to mediate investment by matching the investment condition of the investor with the borrower's loan condition, The system only deducts a certain commission from each investment transaction or bond transfer procedure so that the investor can obtain the maximum return on investment and the debtor is the individual who can finance the loan with as little interest as possible And to provide an investment mediating system.

In order to achieve the above object, the peer-to-peer (P2P) investment mediating platform of the present invention is characterized in that the investor terminal (120) used by one or more investors (10) A peer to peer (P2P) investment mediation platform server 110 connected to the debtor terminal 130 through a communication network, respectively; The peer-to-peer (P2P) investment mediating platform server 110 transmits the investment conditions including the investment amount, the return on investment, the investment period, and the investment return type through the investor terminal 120 (S2) the electronic money for the investment investment to the investor terminal (120), and transmits the electronic money to the investor terminal (120) through the debtor terminal (130) (S3), the investment rate is matched with the investment condition and the loan condition after subtracting the margin rate from the loan rate (S4) the loan to the debtor (20) through the debtor terminal (130) according to the selected investment condition and the loan condition (S4) er To Peer) The investment mediating platform server 110 processes the investment money or the loan money by subtracting the brokerage commission according to the commission rate in the process of investing the investment money and the loan money.

The peer-to-peer (P2P) investment mediating platform server (110) may be configured such that the investment return type is the investment return type, and the investment return type includes a periodic type corresponding to one of daily, weekly and monthly types. The total amount of the interest income collected through the debtor terminal 130 is summed up and the investment returns are distributed to the investors 10 through the respective investor terminals 120 for the designated period in the form of the investment return, The amount of the investment is paid according to the ratio of the investment amount, and the interest is paid at a regular interest income.

Also, the loan period is designated through the investor terminal 120 for a specific period of time and is delivered to the peer to peer investment mediation platform server 110, and the peer to peer (P2P) The investment mediating platform server 110 may pay the periodic interest paid on a quarterly or yearly basis until the specified investment period expires and if the designated investment period expires, The investor 10 can settle the interest income until the expiration of the period and pay the investor 10 through the investor terminal 120.

The peer-to-peer (P2P) investment mediating platform server 110 may calculate the amount of money paid to the investors 10 from the interest income paid by the debtor 20 according to the loan interest rate And the deposit amount is subtracted from the deposit fee.

The peer-to-peer (P2P) investment mediating platform server 110 periodically charges the investors 10 with the amount of the deposit amount subtracted from the deposit to the investors 10 .

After the issuance of the electronic money, the investor terminal 120 of the investor 10, the peer-to-peer investment mediation platform server 110 of the investor 10 transmits the electronic money according to a block chain. And verification is performed.

In addition, the peer to peer investment mediation platform server 110 may classify a plurality of the debtors 20 into groups according to the loan condition, And performs sorting.

In addition, the peer to peer investment mediation platform server 110 groups the plurality of investors 10 according to the investment condition and performs the selection: And performs sorting.

Also, the peer to peer investment mediation platform server 110 binds a plurality of the investors 10 in a group according to the investment condition, 20) are grouped into a plurality of groups to carry out the above-mentioned sorting: multi-sorting is performed.

Meanwhile, a financial institution server 140 connected to the peer to peer (P2P) investment mediation platform server 110 through a communication network; The peer to peer investment brokerage platform server 110 transmits the loan condition information of the borrower 20 received through the financial institution server 140 to the loan condition Further comprising:

Also, a credit evaluation institution server 150 connected to the peer to peer investment mediation platform server 110 through a communication network; , And the peer to peer (P2P) investment mediating platform server (110) further transmits credit information of the debtor (20) received via the credit evaluation institution server (150) to the loan condition And the like.

Meanwhile, the peer-to-peer (P2P) investment mediating platform server 110 selects and matches the investment condition and the loan conditions, and if the investment conditions and the loan conditions do not match each other The investor terminal 110 and the debtor terminal 120 of the investor who preliminarily selects the investment condition and the loan conditions closest to each other and presents the investment condition and the loan condition corresponding to the preliminary selection, To be notified of the notification.

According to the present invention, after issuing a bond certificate in the form of a virtual currency for an investor's investment, the investor mediates the investment condition of the investor and the loan condition of the debtor, and the inter- Or the bond transfer procedure only, the investor can obtain the maximum return on investment as much as possible, and the debtor provides an interpersonal investment mediation system that allows the investor to finance the loan with as little interest as possible It is advantageous that it is possible.

In addition, it is possible to distribute the risk after the joint operation of the deposit with the risk such as the decrease in the interest income due to the early repayment of the debtor, so that the risk can be diversified. It is possible to maximize it and to further promote the financial market.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an overall block diagram of an inter-personal investment mediation system according to an embodiment of the present invention; FIG.
2 is a diagram illustrating a basic operation of an interpersonal investment mediating system according to an embodiment of the present invention;
3 is a schematic diagram showing a 1: 1 investment mediation of an inter-individual investment mediation system according to an embodiment of the present invention;
4 is a schematic diagram showing a 1: multi investment brokerage of an interpersonal investment mediation system according to an embodiment of the present invention;
FIG. 5 is a schematic diagram illustrating an inter-personal investment mediation system according to an embodiment of the present invention. FIG.
FIG. 6 is a schematic diagram showing a multi-agent investment brokerage system according to an embodiment of the present invention;

Hereinafter, a peer-to-peer (P2P) investment mediating system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. First, it should be noted that, in the drawings, the same components or parts are denoted by the same reference numerals whenever possible. In describing the present invention, a detailed description of known functions and configurations incorporated herein will be omitted so as to avoid obscuring the subject matter of the present invention.

The peer-to-peer (P2P) investment mediating platform of the present invention can be broadly divided into an investor terminal 120 used by one or more investors 10 and an investor terminal 120 used by one or more debtors 20 A peer to peer (P2P) investment mediation platform server 110 connected to the debtor terminal 130 through a communication network, respectively; . In this case, the 'investor' refers to a user who intends to invest a predetermined amount of money using a peer-to-peer (P2P) investment mediating system according to an embodiment of the present invention, and the 'debtor' (P2P) investment mediation system according to an embodiment of the present invention. In the present invention, in consideration of the fact that one or more of the investors 10 may exist, if the investor 10 does not need to be collectively or separately classified, the investor 10 is represented by using the reference numeral 10, (10a), 10b (...), etc., in lower case letters (this also applies to the case of the debtor).

The investor terminal 120 and the debtor terminal 130 may be portable terminals such as a smart phone, a notebook, and a tablet PC used by the investor 10 or the debtor 20, And means for installing and operating a predetermined program such as a computer.

1, the peer-to-peer (P2P) investment mediation platform of the present invention is further connected to at least one of the financial institution server 140 and the credit rating agency server 150 through a communication network .

Hereinafter, the operation of the peer-to-peer (P2P) investment mediating system 100 according to an embodiment of the present invention will be described.

First, a basic investment-loan matching operation will be described. 2, the peer-to-peer (P2P) investment mediating platform server 110 transmits the investment amount including the amount of investment, the return on investment, the investment period, and the form of the investment return through the investor terminal 120 (S1), and issues the electronic money for the investment investment to the investor terminal 120 (S2). In this case, the electronic money has a function of a bond certificate, and has an important function that enables free and easy transfer of a bond if necessary.

As shown in FIG. 2, the peer-to-peer (P2P) investment mediating platform server 110 receives a loan amount including a loan amount, a loan interest rate, and a loan term through the borrower terminal 130 (S3) the loan application to which the condition is added. Thereafter, the peer to peer (P2P) investment mediating platform server 110 matches the ROI with the investment condition and the loan condition after deducting the ROI from the loan interest rate . That is, the investment rate of return can be deducted from the loan interest rate and the loan interest rate can be made larger than the investment return rate, thereby securing the difference required for operation of the deposit, which will be described later. Then, the peer-to-peer (P2P) investment mediating platform server 110 transmits the loan to the debtor 20 through the debtor terminal 130 in accordance with the selected investment condition and loan condition as shown in FIG. 2 (S4). Meanwhile, the peer-to-peer (P2P) investment mediating platform server 110, in order to secure the operating profit, invests the investment money and the brokerage commission according to the commission rate on the investment money or the loan money in the course of performing the loan payment It is preferable to treat them by subtraction.

In this case, the operation of matching and selecting the investment condition and the loan condition is basically performed when the investment condition presented by several investors and the loan conditions provided by several debtors are shared (For example, matching the investor and the debtor who match the investment condition and the loan condition to each other). On the other hand, normally, the investment condition and the loan condition are set to a predetermined range (for example, 8 to 12% per annum of the investment return rate) rather than a predetermined value (for example, 10% There may be cases. Accordingly, in this case also, the operation of matching and selecting the investment condition and the loan condition is performed when the investment condition and the loan condition are shared (for example, the investment return specified by the investor is 8 to 12% per year , And if the loan rate applied by the debtor is 7 ~ 9% per annum, it is desirable to select the investment return rate and the loan rate to be shared in a range of 8 ~ 9% per year. When performing the matching process, as described above, it is preferable to match the investment condition and the loan condition after deducting the credit margin from the loan interest rate for the deposit management for deposit management.

On the other hand, there may be cases where the investment condition and the loan conditions provided by the investors or the debtor, as described above, do not match each other. In this case, the peer-to-peer (P2P) investment mediating platform server 110 preliminarily selects the investment condition and the loan conditions closest to each other (for example, the investor invests 8 to 12% If a borrower has a loan interest rate of 4 ~ 5% per year, a borrower b has a borrower interest rate of 5 ~ 6% per year, and a borrower c has an annual loan rate of 6 ~ 7% (6 ~ 7% per annum), which is the closest to the borrower's interest rate (8 ~ 12%). It is not desirable to automatically conduct an investment mediation match, since it is not matched or shared, so once the investor and the debtor are notified that the preliminary selection has been made, The peer-to-peer (P2P) investment mediating platform server 110 transmits the investment condition and the loan condition corresponding to the preliminary selection to the investor terminal 110 of the investor and the debtor terminal (120) to be notified.

On the other hand, it is desirable to be able to provide investors or debtors with various types of investments or loans. To this end, the peer-to-peer (P2P) investment mediating platform 100 according to an embodiment of the present invention is characterized in that the investment return form constituting the investment condition corresponds to one of daily, weekly, And the like. In this case, the peer-to-peer (P2P) investment mediating platform server 110, when the investment return type is designated as a periodic type, calculates the investment return on the total interest income collected through the debtor terminal 130 And the investors 10 are paid according to the ratio of the investment amount to the investors 10 through the respective investor terminals 120 for the designated period in the form of the investment return to pay the interest at a regular profit rate. In this case, if the investment return is set by subtracting the margin margin from the loan interest rate as described above, if all the interest income comes in as planned, the total interest income is larger than the sum of the regular interest payments paid to the investors do. Therefore, it is possible to secure financial resources to operate reserve deposits for the preparation and dispersion of risks, which will be described later.

In addition, it is possible that the loan period is not limited to the period (that is, when the investor does not specify when to collect the investment), and it is also possible to set a specific period. When the loan period is designated through the investor terminal 120 for a specific period and then delivered to the peer to peer investment mediation platform server 110, the peer to peer (P2P) ) The investment mediating platform server 110 pays the periodic interest paid on a quarterly or yearly basis until the specified investment period expires and if the designated investment period expires, It is preferable to settle the profit interest until the expiration of the period and pay the investor 10 through the investor terminal 120.

On the other hand, the above-mentioned peer-to-peer investment mediation platform (P2P) is designed so that it can be distributed in preparation for the risk such as the case where the loan is not collected from the debtor or the interest income is stopped prematurely due to the early redemption of the debtor. The server 110 deposits the amount of the interest paid to the above-mentioned investors 10 and the brokerage fee, which are deducted from the interest income paid by the debtor 20 according to the loan interest rate, as a deposit . That is, the deposit thus secured can be efficiently operated to preserve the risk (for example, to guarantee the loss of a predetermined ratio to the investor whose investment is not recovered) or to be distributed.

Meanwhile, the peer-to-peer investment mediating platform server 110 may be configured so that the investor can generate more profit, rather than merely maintaining and distributing the risk according to the operation of the deposit , It is preferable that the amount of the account receivable amount deducted from the deposits on a regular basis is settled to the investors 10 by the investment amount ratio. In other words, if the residual deposit remaining after dealing with the risk such as receivables is operated by operating the deposit, it is desirable to make it possible to make more profit to the investors by making the settlement to the investors.

Meanwhile, when the peer to peer investment mediation platform server 110 is further connected to the credit evaluation institution server 150 through a communication network, the peer to peer investment mediation platform server 110 May further include the credit information of the debtor 20 received through the credit evaluation institution server 150 in the lending condition.

When the peer to peer investment mediating platform server 110 is further connected to the financial institution server 140 through a communication network, the peer to peer investment mediating platform server 110, It is preferable to further include the loan status information of the borrower 20 received through the financial institution server 140 in the loan condition.

Meanwhile, the peer to peer (P2P) investment mediating platform server 110 distributes one or more of the investors 10 and one or more of the debtors 20 in a ratio of 1: 1, It is possible to group them by grouping them in any one of 1: multi, multi: 1, and multi: multi. That is, it is possible to bundle a plurality of investors having similar investment conditions into one group, or to group a plurality of debtor having similar loan conditions into one group to perform investment mediator matching. Therefore, investors who invest a large amount of money can be particularly useful when matching a large number of borrowers who desire a small loan amount, and can group a large number of small investors into groups , Which will further enhance the possibility of investment brokerage.

The financial transactions such as the investment of the investment money or the payment of the loan are respectively transmitted to the peer to peer investment brokerage platform server 110, the investor terminal 120 and the debtor terminal 130, But also various kinds of electronic money can be paid according to need.

In the foregoing, optimal embodiments have been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: Investors
20: Debtor
100: peer-to-peer (P2P) investment mediation platform
110: peer to peer (P2P) investment mediating platform server
120: Investor terminal
130: Debtor terminal
140: financial institution server
150: Rating agency server

Claims (1)

A peer-to-peer investment mediation platform (P2P) connected to the investor terminal 120 used by one or more investors 10 and a debtor terminal 130 used by one or more debtors 20, respectively, A financial institution server 140 connected to the peer-to-peer investment mediation platform server 110 through a communication network, and a credit evaluation institution 150 connected to the mediated investment mediation platform server via a communication network, A server 150; , ≪ / RTI >
The peer to peer (P2P) investment mediating platform server (110)
If it is confirmed that the investment S1 added with the investment condition including the investment amount, the return on investment, the investment period and the investment return type is transmitted through the investor terminal 120, the investor terminal 120 (S2) the electronic money,
(S3) to the credit rating agency server (130), the credit application server (130) transmits a loan application to the borrower terminal (130) to which a loan condition including a loan amount, a loan interest rate and a loan term is added Requesting information from the credit evaluation institution server, receiving credit information from the credit rating agency server, and further including, in the loan condition, information on the loan status of the debtor (20) received via the financial institution server (140)
The investor and the debtor matching the investment condition and the loan condition are selected and the difference between the investment return and the loan interest rate is used so that the loan interest rate for the matching debtor is larger than the investment return rate of the matched investor To secure funds necessary for the operation of deposits,
If the selected debtor satisfies a predetermined condition based on the credit information, the loan is paid to the debtor 20 through the debtor terminal 130 according to the investment condition and the loan condition (S4) In the course of performing the investment and the payment of the loan, the brokerage fee according to the commission rate is deducted from the investment or the loan,
The form of investment income including periodic type corresponding to one of daily type, weekly type, monthly type,
The peer-to-peer (P2P) investment mediating platform server 110 adds the investment returns to the total interest income collected through the debtor terminal 130 when the investment return type is designated as periodic type, The investors 10 are paid in accordance with the ratio of the investment amount to the investors 10 through the respective investor terminals 120 for the designated period in the form of investment return,
The loan period
(Peer to peer) investment mediation platform server 110 designated by the investor terminal 120 with a specific period,
The peer to peer (P2P) investment mediating platform server (110)
Before the expiration of the designated investment period, the periodic earnings interest is paid for each quarter or year,
If the designated investment period expires, the investor 10 is paid through the investor terminal 120 by calculating the profit interest from the period of payment of the regularly paid interest income until the expiration of the investment period,
The debtors and investors are selected and matched,
The investment conditions and the loan conditions are matched with each other, and the investment conditions and the loan conditions closest to each other are preliminarily selected if the investment conditions and the loan conditions do not match each other, To the investor terminal (120) and the debtor terminal (130) of the investor who presented the investment condition and the loan condition corresponding to the election,
When the debtors or the investors are grouped and matched and selected,
A plurality of the debtors 20 having a range of loan interest rates included in the loan conditions of the debtors 20 are grouped into groups and the loan interest rates of the group of the debtors 20 are set in a range overlapping with each other, Matched with investors,
A plurality of the investors 10 having a range of investment yields included in the investment conditions of the investor 10 are grouped into groups and the investment returns of the groups of the investors 10 are set in a range overlapping with each other, Matched with the debtor,
A plurality of groups of the investors 10 bundled according to the investment condition are matched with a group of the debtors 20 grouped according to the loan condition, And a plurality of groups of the debtors 20 bundled in accordance with the loan conditions and performing a sorting operation to match the groups of the investors 10 bundled according to the investment conditions,
The amount of the interest paid to the investors 10 and the brokerage fee are subtracted from the interest income paid by the debtor 20 according to the loan interest rate,
If a loss occurs because the loan is not collected from the debtor 20, the loss of a predetermined percentage of the investors 10 is compensated by the deposit, and interest income due to the early redemption of the debtor 20 is paid early If suspended, distributes the deposit to the investors 10,
The amount of the amount of the account receivable that is deducted from the deposits on a regular basis is settled to the investors 10 by the investment amount ratio,
The electronic money is a virtual money that is verified according to a block chain by the investor terminal 120 of the investor 10 and the peer to peer investment brokerage platform server 110 after the issuance , The electronic money functioning as the bond certificate by issuing the electronic money of the amount corresponding to the investment amount, enabling the transfer of the bonds by using the electronic money, and the peer-to-peer investment mediation platform server (110) deducts a predetermined fee in a bond transfer procedure using the electronic money (P2P).

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