KR102065182B1 - Transaction system of a debt right of receipt based on p2p transaction - Google Patents

Abstract

The present invention relates to a principal money receivables trading system through a P2P transaction, the principal money receivables trading system of the present invention, from the terminal of the first investor, the identification of a specific affiliated P2P company to sell among the goods owned by the first investor When the amount of the product and the specific product is set, a virtual account for P2P exchange trading is issued from the open banking platform, and a request for the purchase of a specific product is received from the terminal of the second investor, it can be purchased on the platform of the specific affiliated P2P company. If it is determined whether the second investor can purchase the specific product, the P2P exchange server and the P2P exchange server, which transmits the amount of the specific product to the virtual account for P2P exchange trading through the open banking platform, Issue a P2P exchange escrow account, which is a derivative account derived from the P2P exchange parent account, and the first investor's terminal and the second investor When the sale of a specific product is completed between terminals, the second bank investor's investment limit is requested from the open banking platform and the P2P exchange server, which recovers the issued P2P exchange escrow account, and whether the second investor can purchase the specific product. Inquiry to include, the platform of the affiliated P2P company, to send a feedback to the P2P server whether or not the specific product of the second investor can purchase.

Description

Principal Receipt Transaction System through P2P Transactions {TRANSACTION SYSTEM OF A DEBT RIGHT OF RECEIPT BASED ON P2P TRANSACTION}

The present invention relates to a system for trading principals right through P2P transactions, and more particularly, when an investor transfers the principals right received from an online loan information broker to another investor, the brokerage in the P2P exchange to comply with the P2P guidelines. The present invention relates to a principled receivable trading system and method.

Recently, as more and more investors are interested in P2P (Peer to Peer) investment, P2P investment is in the spotlight as one of the new investment trends. Accordingly, online lenders are also introducing a variety of products that investors may be interested in.

The government has also announced new P2P investment guidelines from May 29, 2017 to create a transparent trading culture in line with the times.However, if the transfer of principals' interests is still possible, the IRS report may be missing. The problem was not corrected.

Therefore, in the event of the transfer of principle payment rights between P2P investors, not only the P2P investment guidelines and transparent transactions can be made, but also the infrastructure to freely trade until the repayment period of principle payment rights arrives. It is urgent.

[Related Technical Documents]

1. P2P loan examination method and system using collateralized securitization (Patent Application No. 10-2017-0159067)

The problem to be solved by the present invention is to build a infrastructure that can freely trade the principle payment right to meet the P2P guidelines until the repayment period of the principle payment right, the principle money receipt trading system to make a transparent transaction And to a method.

Another problem to be solved by the present invention relates to a principle money receivable transaction system and method that can ensure the safety of the user because the P2P-only account issued by the open banking platform is used for the sale of the principle money receivable.

The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood by those skilled in the art from the following description.

In order to solve the problems as described above, the principal money receivables trading system through a P2P transaction according to an embodiment of the present invention, from the terminal of the first investor, a specific affiliated P2P company to sell among the goods owned by the first investor When a specific product and a value for a specific product are set, a virtual account for P2P exchange trading is issued from an open banking platform, and a request for purchase of a specific product is received from a terminal of a second investor, the platform of a specific affiliated P2P company P2P exchange server and P2P exchange server, which inquires whether or not the purchase is possible, and transmits the amount of a specific product to the virtual account for P2P exchange trading through the open banking platform when it is determined that the second investor can purchase the specific product. By issuing a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, When the sale of a specific product is completed between the terminals of the client, the second bank investor is requested to purchase the specific product of the second investor from the open banking platform and the P2P exchange server, which collects the issued P2P exchange escrow account. Including the platform of the affiliated P2P company to query the limit, and send feedback to the P2P server whether the second investor can purchase the specific product.

According to another feature of the invention, the P2P exchange server, from the terminal of the first investor, if the first investor is determined to be a registered investor through the login process, and transmits the P2P my page product investment history, 1 From the terminal of the investor, the amount of a specific product and a specific product of a specific affiliated P2P company to sell among the products owned by the first investor is set, a virtual account for trading P2P exchange is issued from the open banking platform, and the second When an investor receives a request for purchase of a specific product, it checks whether or not it can be purchased on a platform of a specific affiliated P2P company, and if it is determined that the second investor can purchase a specific product, a virtual account for trading on a P2P exchange is provided. Communication unit for transmitting the amount through the open banking platform; And when it is determined that the second investor terminal deposits the amount into the virtual account for P2P exchange, executing the bond transfer logic, and if it is determined that the purchase of the specific product is successful, transfer the amount to the personal account of the set first investor. And, if it is determined that the purchase of a particular product has failed, including a control unit for remitting the amount of money to the personal account of the second investor.

According to another feature of the present invention, if it is determined that the purchase of a specific product is successful, the P2P exchange server transmits a message indicating that the purchase is completed to the terminal of the first investor and the terminal of the second investor, and purchases the specific product. If it is determined that the failed, further comprises a communication unit for transmitting a guide message that the purchase failed to the terminal of the second investor.

According to another feature of the present invention, the open banking platform, when the purchase of a specific product is successful between the terminal of the first investor and the terminal of the second investor, transfer the amount to the personal account of the set first investor, If the purchase of the product fails, the method further includes remitting the amount to the personal account of the second investor.

According to another feature of the present invention, the platform of the affiliated P2P company, from the P2P exchange server is requested whether the second investor can purchase a specific product, execute the member information linkage API, the second investor in advance If the second investor is a new subscriber, by executing the virtual account issuance API, requesting the withholding information of the second investor from the P2P exchange server, and withholding information from the P2P exchange server. After receiving and issuing a virtual account for P2P exchange transaction, and if the second investor is an existing subscriber, executes the investment availability inquiry API, inquires the investment limit of the second investor, and then checks the investment limit search result of the second investor. The method further includes transmitting to a P2P exchange server.

In order to solve the problems as described above, the principal money receivables trading method according to an embodiment of the present invention, in the P2P exchange server, from the terminal of the first investor, the specific partnership P2P to sell among the goods owned by the first investor Receiving a specific product and a price for a specific product of the company; At the P2P exchange server, receiving a virtual account for P2P exchange trading from an open banking platform; When the P2P exchange server receives a request for purchasing a specific product from the terminal of the second investor, if it is determined whether the purchase of the specific product of the second investor is possible by inquiring whether the platform of the specific affiliated P2P company is available for purchase, Transmitting the amount of the specific product to the virtual account for P2P exchange through the open banking platform; In the open banking platform, issuing a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, to the P2P exchange server; Recovering the issued P2P exchange escrow account when the sale of a specific product is completed between the terminal of the first investor and the terminal of the second investor in the open banking platform; In the platform of an affiliated P2P company, receiving a request from a P2P exchange server for whether a specific product of a second investor can be purchased, and querying an investment limit of the second investor; And sending, at the platform of the affiliated P2P company, feedback on whether the second investor can purchase the specific product to the P2P server.

The present invention is to provide a principle money receivable transaction system and method for establishing a infrastructure that can freely trade principle money receivables in accordance with the P2P guidelines until the repayment period of principle receivables arrive, so that transparent transactions can be made. Can be.

The present invention can provide a Principal Receipt transaction system and method that can ensure the safety of the user because the P2P-only account issued by the open banking platform is used when trading the Principal Receipt.

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the present specification.

1 is a view for explaining the overall configuration of the principle payment receipt trading system according to an embodiment of the present invention.
FIG. 2 is a block diagram schematically illustrating a configuration of a server of a principle money receivable transaction system according to an embodiment of the present invention.
3 is a view for explaining the principle receipt right according to an embodiment of the present invention.
4 is a view for explaining the role of the P2P exchange server of the principle money receipt trading system according to an embodiment of the present invention.
5 is a diagram illustrating an additional service of a P2P exchange according to an embodiment of the present invention.
FIG. 6 is a diagram for describing contents in which a P2P exchange server and a platform of an affiliated P2P company interoperate with each other, in the case of a new subscriber according to an embodiment of the present invention.
FIG. 7 is a diagram for describing contents in which a P2P exchange server and a platform of a new affiliated P2P company automatically link member information stored in a platform of a new affiliated P2P company according to an embodiment of the present invention.
FIG. 8 is a diagram for describing contents of synchronizing a product investment history of a member who requests a platform of an affiliated P2P company according to an embodiment of the present disclosure.
FIG. 9 is a diagram illustrating a P2P exchange server according to an embodiment of the present invention in a principle payment claim transaction with an affiliated P2P company.
FIG. 10 is a diagram for describing contents of collecting a product information list from a platform of an affiliated P2P company in a P2P exchange server according to an exemplary embodiment.
FIG. 11 is a diagram for describing contents of using JavaScript when investing a new product in an affiliated P2P company according to an exemplary embodiment of the present invention.
12 is a view for explaining the contents of investing a new product in an affiliated P2P company using an open banking platform according to an embodiment of the present invention.
FIG. 13 is a view for explaining a function of managing an investment by bringing together principal and proceeds according to an embodiment of the present invention.
14 is a view for explaining the investment account book function among the investment management function of the P2P exchange server according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only the embodiments are to make the disclosure of the present invention complete, and those skilled in the art to which the present invention pertains. It is provided to fully inform the scope of the invention, and the invention is defined only by the scope of the claims.

Combinations of each block of the accompanying block diagrams and respective steps of the flowcharts may be performed by algorithms or computer program instructions, consisting of firmware, software, or hardware. These algorithms or computer program instructions may be embedded in a processor of a general purpose computer, special purpose computer, or other programmable digital signal processing device, so that instructions executed through a processor of a computer or other programmable data processing equipment. These will create means for performing the functions described in each block of the block diagram or in each step of the flowchart. These algorithms or computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer available or computer readable. It is also possible for the instructions stored in the capable memory to produce an article of manufacture containing instructions means for performing the functions described in each block or flow chart step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

Like reference numerals refer to like elements throughout.

Each of the features of the various embodiments of the present invention may be combined or combined with each other, partly or wholly, various technically interlocking and driving as can be understood by those skilled in the art, each of the embodiments may be independently implemented with respect to each other It may be possible to implement the association together.

Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the accompanying drawings.

1 is a view for explaining the overall configuration of the principle payment receipt trading system according to an embodiment of the present invention. First, as shown in FIG. 1, the principle money receivable trading system according to an embodiment of the present invention includes an affiliated peer-to-peer (P2P) company platform 110, a P2P exchange server 120, and an open banking platform 130. , an open banking platform) and an investor terminal 140.

The platform 110 of an affiliated P2P company is a platform operated by a P2P company that has partnered with a P2P exchange, and the Financial Services Commission defines a platform operated by an online loan information broker.

Specifically, the platform 110 of the affiliated P2P company is requested from the P2P exchange server 120 to determine whether the buyer can purchase a specific product, and inquires about the investment limit of the buyer to provide feedback on whether the buyer can purchase the specific product. To the P2P exchange server 120.

In addition, the platform 110 of the affiliated P2P company receives a request from the P2P exchange server 120 whether the buyer can purchase a specific product, executes a member information interworking API (Application Programming Interface), and then the buyer pre-registers. Determine whether you are a registered member.

Thereafter, when the purchaser is a new subscriber, the platform 110 of the affiliated P2P company requests the withholding information of the buyer from the P2P exchange server 120 after executing the virtual account issuance API, and then, from the P2P exchange server 120. Receive withholding information, issue a virtual account for P2P exchange trading.

Subsequently, when the purchaser is an existing subscriber, the platform 110 of the affiliated P2P company executes an investment availability inquiry API, inquires about the investment limit of the buyer, and then returns the buyer's investment limit inquiry result to the P2P exchange server 120. send.

The P2P exchange server 120 registers with an affiliated P2P company and invests in funded products for the investor.

Specifically, the P2P exchange server 120 is set from the terminal 140 of the first investor, the amount of the specific product and the specific product of the specific affiliated P2P company to sell among the products owned by the first investor.

In addition, the P2P exchange server 120 transmits a virtual account for P2P exchange trading issued by the open banking platform to the terminal 140 of the first investor, and receives a request for purchasing a specific product from the terminal 140 of the second investor. In this case, if it is determined that the purchaser can purchase the specific product of the second investor by checking whether or not it is possible to purchase on the platform of a specific affiliated P2P company, the amount of money to the virtual account for P2P exchange transaction issued by the terminal 140 of the first investor Send through the open banking platform.

The open banking platform 130 is a platform that integrates and manages various bank APIs or bank joint APIs.

Specifically, the open banking platform 130 issues a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, to the first investor terminal 140, and the terminal of the first investor terminal. When the sale of the specific product is completed between the 140 and the terminal 140 of the second investor, the issued P2P exchange escrow account is recovered.

In addition, the open banking platform 130 transfers the amount to the personal account of the first investor, when the purchase of a specific product is successful between the terminal 140 of the first investor and the terminal 140 of the second investor, If the purchase of a particular product fails, the amount is transferred to the personal account of the second investor.

The terminal 140 of the first investor and the terminal 140 of the second investor are terminals of an investor who invested in an affiliated P2P company through a P2P exchange, and may be any one of various electronic devices. For example, the device 100 for outputting a name by combining the appearance of the content may be any one of various electronic devices such as a smartphone, a tablet PC, a notebook, a desktop, and the like.

FIG. 2 is a block diagram schematically illustrating a configuration of a server of a principle money receivable transaction system according to an embodiment of the present invention. First, as shown in FIG. 2, the server 200 of the principle money receivable transaction system according to an embodiment of the present invention includes a communication unit 210, a storage unit 220, and a control unit 230.

The communication unit 210 enables communication with a computer, a portable terminal, another server, and the like.

In detail, the communication unit 210 transmits the P2P my page product investment history when it is determined that the first investor is a registered investor through a login process from the terminal of the first investor.

In addition, the communication unit 210 receives from the terminal of the first investor the amount of the specific product and the specific product of the specific affiliated P2P company to sell among the products owned by the first investor.

In addition, the communication unit 210 transmits the virtual account for P2P exchange trading issued by the open banking platform to the terminal of the first investor, and receives a request for purchasing a specific product from the terminal of the second investor, the platform of the specific affiliated P2P company. If it is determined that the purchaser can purchase the specific product of the second investor, the amount of the product is transmitted to the virtual account for P2P exchange transaction issued by the terminal of the first investor through the open banking platform.

In addition, if it is determined that the purchase of the specific product is successful, the communication unit 210 transmits a message indicating that the purchase is completed to the terminal of the first investor and the terminal of the second investor, and if it is determined that the purchase of the specific product has failed, 2Information message to the investor's terminal that the purchase failed.

The storage unit 220 stores various types of information under the control of the controller 230.

The controller 230 executes various software programs to perform various functions for the server 200, and also performs processing and control for voice communication and data communication.

Specifically, when it is determined that the second investor terminal deposits the amount of the product into the virtual account for P2P exchange trading, the controller 230 executes bond transfer logic.

In addition, if it is determined that the purchase of the specific product is successful, the controller 230 transfers the amount of the product to the set personal account of the first investor, and if it is determined that the purchase of the specific product fails, to the personal account of the set second investor. Send the amount of the goods.

3 is a view for explaining the principle receipt right according to an embodiment of the present invention. First, as shown in FIG. 3, the fund consumer issues the right to receive the principal money to the linked financial company under the condition of borrowing necessary funds from the linked financial company.

Subsequently, the linked financial company entrusts the sale of the principal receipt right received from the fund consumer to the online loan information broker (hereinafter referred to as a P2P company).

Thereafter, the platform of the P2P company recruits investors, and receives a predetermined amount of money under the condition of issuing the right to receive the principal money entrusted by the linked financial company to meet the conditions of the P2P guide.

Thereafter, the linked financial company will pay the money buyers the money received from the platform of the P2P company.

Here, Principal Receipt is a right for P2P investors to receive principal and interest from the P2P company's platform after the expiration of the funding product. Specifically, the repayment maturity date is specified in the principal right to receive the principal, and when the repayment maturity date arrives, the investor receives the principal invested by the investor and interest on the platform of the P2P company.

4 is a view for explaining the role of the P2P exchange server of the principle money receipt trading system according to an embodiment of the present invention. First, as shown in FIG. 4, investors who are members of the P2P exchange may sell or buy the right to receive the principal. For example, a seller who owns the right to receive the principal may trade each other the right to receive the principal through a sell / buy bulletin board or the like.

Thereafter, the P2P exchange server checks the information for the seller and the buyer's transaction. Specifically, the P2P exchange server automatically checks through the platform of the P2P company that issued the certificate whether the seller is a certificate that the seller wants to sell the principal right to sell. In addition, the P2P exchange server automatically confirms whether the purchaser's right to purchase the principal is issued by the P2P company to which the buyer has subscribed, whether the buyer has exceeded the investment limit, and withholding information. .

Thereafter, the P2P exchange server confirms the seller's and buyer's confirmation and confirms the transaction.

Thereafter, when the P2P exchange server approves the transaction, the funds are transferred from the seller to the buyer through a dedicated virtual account of the exchange member subscriber. Here, the transfer of the funds can be performed directly on the P2P exchange server, but for the transparency of funds, open banking platform or PG according to the opening of a virtual account and the transfer of funds, direct deposit through the exchange account, Seyfert, etc. Use service of.

Another way to transfer funds may be to transfer funds from the buyer's virtual account on the P2P vendor's platform to the buyer's virtual account. In this case, after the approval of the P2P exchange, the transfer can be processed directly on the platform of the corresponding P2P company or the P2 exchange server can be entrusted and processed.

Alternatively, funds may be moved using a payment method of PG company.

After that, when the transaction is approved by the P2P exchange server, the platform of the affiliated P2P company changes the beneficiary from the seller to the buyer through an update of the database. At this time, the subject of withholding is the name of the seller who is the former owner until the interest on the right to receive the principal, and after the payment of interest, becomes the name of the buyer of the current owner.

Then, when the final transaction is completed, the seller and the buyer can check the details of the principal receipt certificate and repayment schedule through the platform of the P2P exchange and the P2P company.

5 is a diagram illustrating an additional service of a P2P exchange according to an embodiment of the present invention. First, as shown in FIG. 5, the P2P exchange server acts as a member of an affiliated P2P company and invests in a funding product for the investor. Specifically, the P2P exchange server automatically registers a member to the affiliated P2P company with the consent of the member subscribers of the P2P exchange.

Thereafter, the P2P exchange server provides the investor with the funding product information of the affiliated P2P company received from the affiliated P2P company. Specifically, when the P2P exchange server wants to act on the products of the affiliated P2P company from the member registered to the P2P exchange, the member checks the eligibility of the member's investment limit so that the member can make the investment. Here, the P2P exchange server transfers the information to the platform of the P2P company after the member's consent about the investment agreement when the member's investment.

At this time, when the P2P exchange member's investment is transferred, the transfer of funds is transferred from the virtual account in the P2P exchange to the virtual account of the partner P2P company's platform, and finally transferred to the server of the linked financial company of the P2P company or in the virtual account in the P2P exchange. It can be transferred directly to the server of the linked financial company of the affiliated P2P company.

FIG. 6 is a diagram for describing contents in which a P2P exchange server and a platform of an affiliated P2P company interoperate with each other, in the case of a new subscriber according to an embodiment of the present invention. First, as shown in Figure 6, the investor accesses the P2P exchange server using the investor's terminal.

Thereafter, the terminal of the investor displays the main screen of the P2P exchange, and displays the P2P exchange subscription screen according to the selection of the investor. Thereafter, the P2P exchange server receives the registration registration information from the investor's terminal, for example, an ID, a password, a name, contact information and an e-mail address information, and completes the P2P exchange subscription.

Thereafter, when the P2P exchange server requests the linking of the member information of the affiliated P2P company to the investor terminal, the P2P exchange server is the linkage information of the partner P2P company from the investor terminal, for example, the investor's personal information (CI generated after verifying the mobile phone's identity verification). It receives the ID, password or mobile phone number, name, date of birth) of the platform of the relevant company, and drives the affiliated P2P company interworking process.

After that, the P2P exchange server defines the new subscriber's personal information (CI generated after verifying the mobile phone identity, ID, password or mobile phone number, name, date of birth) and “membership unique key” of the company's platform. After encrypting according to the encrypted module, it is transmitted to the platform of the affiliated P2P company.

Subsequently, the platform of the affiliated P2P company receives the encrypted new subscriber's personal information (CI generated after verifying mobile phone identity, ID, password or mobile phone number, name, date of birth) and member's unique key from the P2P exchange server. Then, decoding is performed according to a decoding module defined in advance.

Thereafter, the platform of the affiliated P2P company executes the member information interworking API, and performs a new member registration procedure by a predetermined processor. Specifically, the platform of the affiliated P2P company performs a member information check step to confirm personal information (CI generated after mobile phone identity verification, ID, password or mobile phone number, name, date of birth) and member's unique key of the corresponding platform. Subsequently, the platform of the affiliated P2P company determines whether to subscribe to the P2P company based on the verified member information, and if not, the platform of the affiliated P2P company is registered as a new member of the P2P company and stores the member key. If it is determined that the member of the affiliated P2P company's platform is subscribed, the affiliated P2P company's platform stores the member information unique key and terminates.

FIG. 7 is a diagram for describing contents in which a P2P exchange server and a platform of a new affiliated P2P company automatically link member information stored in a platform of a new affiliated P2P company according to an embodiment of the present invention. First, as shown in FIG. 7, when the P2P exchange selects a new P2P company with a P2P company, the platform of the newly affiliated P2P company executes a member information interworking request module, and the P2P exchange server of the new affiliated P2P company. Send the member information held by the platform. For example, the platform of a new affiliated P2P company is a P2P exchange server. The personal information of members held by the platform of a new affiliated P2P company (CI generated after verifying mobile phone identity verification, ID, password or mobile phone number, name, and date of birth of the company's platform). ) Is transmitted according to a previously defined encryption module.

Thereafter, after executing the P2P member information inquiry API, the P2P exchange server generates a member information unique key by a predetermined processor based on the member information received from the platform of the new affiliated P2P company. Specifically, the P2P exchange server performs a member information check step to check personal information (CI generated after mobile phone identity verification, ID, password or mobile phone number, name, date of birth) of the platform of the company. Thereafter, the P2P exchange server determines whether the members registered in the platform of the newly affiliated P2P company are members of the P2P exchange in advance.

If, on the P2P exchange server, it is determined that the members registered on the platform of the newly affiliated P2P company are members who have been registered in advance on the P2P exchange, the P2P exchange server will register the membership information uniquely issued at the time of the first P2P exchange membership. Reissue.

However, if the members registered on the platform of the new affiliated P2P company on the P2P exchange server are not the members who have previously registered on the P2P exchange or are the members who have withdrawn, the P2P exchange server is newly registered as a member of the P2P exchange. , Personal information (CI generated after verifying mobile phone identity, ID, password or mobile number, name, date of birth) to P2P company's platform, along with newly issued member information unique key according to the predefined encryption module Encrypt and send.

After that, the platform of the newly affiliated P2P company executes the member information interworking API, and receives the encrypted personal information received from the P2P exchange server (CI generated after verifying the identity of the mobile phone, ID, password or mobile phone number of the relevant company's platform, name, and date of birth). ) And the member information unique key are decrypted and stored according to a predefined decryption module.

FIG. 8 is a diagram for describing contents of synchronizing a product investment history of a member who requests a platform of an affiliated P2P company according to an embodiment of the present disclosure. First, as shown in FIG. 8, the investor logs into the P2P exchange server using the investor's terminal. Thereafter, the P2P exchange server transmits the P2P my page product investment history to the investor terminal.

Thereafter, the P2P exchange server displays the product investment history for each affiliate (partner P2P company) on the investor terminal.

Subsequently, when the P2P exchange server is selected by the investor terminal to synchronize the A company's investment history synchronization, the P2P exchange server requests a product investment history from the platform of the affiliate P2P company. In this case, since the P2P exchange server transmits a member information unique key to the platform of the affiliated P2P company, the platform of the affiliated P2P company may specify an investor.

Thereafter, the platform of the affiliated P2P company executes the product investment history API and transmits the requested product investment history of the member to the P2P exchange server in response to the product investment history request of the P2P exchange.

FIG. 9 is a diagram illustrating a P2P exchange server according to an embodiment of the present invention in a principle payment claim transaction with an affiliated P2P company. Hereinafter, for convenience of explanation, the principle principal claim will be referred to as a commodity, the investor who wishes to sell the principal claim, and the investor who intends to purchase the principal claim, as the buyer. In addition, both sellers and buyers are members of P2P exchanges, and P2P companies are alliances with P2P exchanges in advance.

First, as illustrated in FIG. 9, a seller uses a seller terminal to log in by accessing a P2P exchange server. Thereafter, the P2P exchange server transmits the P2P my page product investment history to the seller terminal, and the seller terminal displays the product investment history invested by the seller.

Thereafter, the seller terminal is selected as a product to sell a specific product among the products sold by the affiliated P2P company according to the seller's selection, and receives the selling price of the specific product.

Thereafter, the P2P exchange server receives a virtual account for P2P exchange trading from the open banking platform. Here, the virtual account for P2P exchange trading is used for the purpose of selling and purchasing the goods, and when the trading of the goods is terminated, it is collected again from the open banking platform which issued it. In addition, the virtual account for P2P exchange trading is issued by the open banking platform, and is a P2P exchange escrow account, which is a derivative account derived from the P2P exchange parent account.

Transactions can be implemented through open banking platforms or payment methods through PG.

After that, the purchaser accesses the P2P exchange server and logs in using the purchaser terminal. Thereafter, the P2P exchange server transmits a product sales list to the purchaser terminal, and the buyer terminal is selected as a product to purchase a specific product among the products sold by the affiliated P2P company according to the purchaser's selection.

Thereafter, the P2P exchange server queries the platform of the affiliated P2P company whether it is possible to purchase the product selected by the buyer. As of May 29, 2017, an individual investor may limit the cumulative investment amount to 10 million won per P2P company, invest up to 5 million won for the same borrower, and invest 10 million won for different P2 companies. This is because the P2P investment guide has been changed since then.

After that, the platform of the affiliated P2P company executes the member information interworking API to determine whether the buyer who wants to purchase the product is a member of the affiliated P2P company, and handles the new sign-up when not signing up. Send a response to the P2P exchange server. At this time, if it is determined that the buyer is a new subscriber in the platform of the affiliated P2P company, the platform of the affiliated P2P company executes a virtual account issuance API, and transmits withholding information to the P2P exchange server to issue a virtual account.

If it is determined that the buyer is an existing member in the platform of the affiliated P2P company, the platform of the affiliated P2P company executes the investment availability inquiry API, inquires the investment limit, and responds to the P2P exchange. Send to server.

If the P2P exchange server receives a response from the platform of the affiliated P2P company that the purchaser can purchase the product, the P2P exchange server can invest the product to the buyer's terminal, and the amount of the product is converted into the P2P exchange. Send a message to deposit into the virtual account.

Thereafter, the purchaser deposits the amount of the product in the virtual account for P2P exchange using the purchaser terminal.

Then, when the P2P exchange server confirms that the purchase amount of the product has been deposited in the virtual account for P2P exchange trading, the P2P exchange server executes the bond transfer logic.

Then, after executing the bond transfer logic on the P2P exchange server, if it is determined that the bond transfer was successful, the open banking platform deposits the amount of the product that has been deposited in the virtual account for P2P exchange in the seller's personal account, Since it was terminated, the virtual account for the P2P exchange transaction issued is recovered.

However, after executing the bond transfer logic on the P2P exchange server, if it is determined that the bond transfer failed, the open banking platform deposits the amount of the product deposited in the virtual account for P2P exchange in the buyer's personal account, Since it was terminated, the virtual account for the P2P exchange transaction issued is recovered.

At this time, if the bond transfer succeeds after executing the bond transfer logic in the P2P exchange server, the P2P exchange server updates the investment history information with a message indicating that the purchase is completed to the terminal of the buyer and seller.

However, if the bond transfer fails after executing the bond transfer logic in the P2P exchange server, the P2P exchange server transmits a guide message indicating that the purchase has failed to the buyer's terminal.

FIG. 10 is a diagram for describing contents of collecting a product information list from a platform of an affiliated P2P company in a P2P exchange server according to an exemplary embodiment. First, as shown in FIG. 10, the P2P exchange server executes a P2P product list collection module and then requests a list of products held by a partner P2P company's platform.

Subsequently, the platform of the affiliated P2P company executes the product list interworking API and transmits the list of products held by the platform of the affiliated P2P company to the P2P exchange server.

For example, if the P2P exchange server has affiliated P2P companies with which A, B, and C are affiliated, the P2P exchange server is a platform for A, B, and C's affiliate P2P companies to sequentially or simultaneously You may ask.

FIG. 11 is a diagram for describing contents of using JavaScript when investing a new product in an affiliated P2P company according to an exemplary embodiment of the present invention. First, as shown in FIG. 11, an investor accesses and logs in to a P2P exchange server using an investor terminal to invest new products in an affiliated P2P company.

Thereafter, when the P2P exchange server transmits a list of P2P new products to the investor's terminal, the investor terminal receives a product which is sold by a specific affiliated P2P company among the affiliated P2P companies by the investor's selection.

At this time, the product detail page or investment completion page may be essentially applied JavaScript (Javascript) provided by the P2P exchange server.

Then, when the P2P exchange server confirms that the investor terminal has received a button of a specific product by the investor's selection, the P2P exchange server issues a unique key of the selected product and transmits it to the platform of the affiliated P2P company. Specifically, the P2P exchange server issues a unique key, which is a special key, based on the combination of the investor's member information, the selected product number, and the time, to the platform of the affiliated P2P company selected by the investor among the platforms of the plurality of affiliated P2P companies. send.

Thereafter, since the mobile terminal directly moves to the site of the affiliated P2P company, the investor terminal displays a product detail page provided by the platform of the affiliated P2P company. At this time, the platform of the affiliated P2P company runs the P2P exchange JavaScript, and checks the product unique key received from the P2P exchange server to check whether the screen of the investor terminal is moved to the site provided by the platform of the affiliated P2P company.

After that, the platform of the affiliated P2P company will invest according to the investors' choice and complete the investment. At this time, the platform of the affiliated P2P company runs the P2P exchange JavaScript, checks the product unique key, checks whether the investor succeeded in completing the investment, and informs the P2P exchange server.

12 is a view for explaining the contents of investing a new product in an affiliated P2P company using an open banking platform according to an embodiment of the present invention. First, as shown in FIG. 12, an investor accesses and logs in to a P2P exchange server using an investor terminal to invest new products in an affiliated P2P company.

Thereafter, when the P2P exchange server transmits a list of P2P new products to the investor's terminal, the investor terminal receives a product selected by the affiliated P2P company among the affiliated P2P companies according to the investor's selection, and then the buyer selects the product. Inquire whether it is available for purchase by the platform of the affiliated P2P company.

After that, the platform of the affiliated P2P company executes the member information interworking API to determine whether the buyer who wants to purchase the product is a member of the affiliated P2P company, and handles the new sign-up when not signing up. Send a response to the P2P exchange server. At this time, if it is determined that the buyer is a new subscriber in the platform of the affiliated P2P company, the platform of the affiliated P2P company executes a virtual account issuing API and transmits withholding information to the P2P exchange server to issue a virtual account.

If it is determined that the buyer is an existing member in the platform of the affiliated P2P company, the platform of the affiliated P2P company executes the investment availability inquiry API, inquires the investment limit, and responds to the P2P exchange. Send to server.

Thereafter, the P2P exchange server transmits the member information of the investor to the platform of the affiliated P2P company and requests the inquiry of the deposit deposited at the affiliated P2P company.

Thereafter, the platform of the affiliated P2P company inquires the amount deposited in the buyer's virtual account based on the member information received from the P2P exchange server, and transmits the retrieved deposit information to the P2P exchange server.

Thereafter, the P2P exchange server determines whether the deposit made to the affiliated P2P company is insufficient to invest the product selected by the investor.

If the P2P exchange server determines that the deposited amount deposited in the affiliated P2P company is sufficient to invest the product selected by the investor, the P2P exchange server executes the product investment logic.

After that, the platform of the affiliated P2P company executes the product investment API with the member information, product information, and investment amount received from the P2P exchange server, and then provides the result code and feedback on which open banking platform the investor is using. Send to P2P exchange server.

Thereafter, the P2P exchange server transmits relevant data to the investor terminal so that the investment guide pop-up can be displayed on the investor terminal based on the feedback received from the platform of the affiliated P2P company. At this time, the investor guide pop-up that the P2P exchange server sends to the investor terminal can be differentiated according to the type of open banking platform.

If it is determined that the deposit deposited by the affiliated P2P company is not sufficient to invest the product selected by the investor on the P2P exchange server, the P2P exchange server queries the P2P exchange deposit with the open banking platform.

Thereafter, the P2P exchange server receives the deposit inquiry result from the open banking platform, and receives a P2P exchange deposit from the investor terminal when it is determined that the deposit is insufficient. The P2P exchange server deposits the deposit into the customer virtual account of the platform of the affiliated P2P company.

Thereafter, the P2P exchange server goes through the process of executing the above-described product investment logic and exposure guide pop-up process.

As a result, when all investments of new products by the investor are completed, the P2P transaction server executes the investment completion receiving API, and sends a message that the customer's investment is completed to the platform of the affiliated P2P company.

After that, finally, the platform of the affiliated P2P company updates the product investment history, and then terminates the investment.

FIG. 13 is a view for explaining a function of managing an investment by bringing together principal and proceeds according to an embodiment of the present invention. First, as shown in FIG. 13, the investor accesses the P2P exchange server and logs in using the investor terminal.

Thereafter, the P2P exchange server transmits the relevant data so that the P2P my page can be displayed on the investor terminal, and then checks whether a request for integration has been received from the investor terminal. Here, the unified receipt request is a request to manage the investment as one, a request to manage the principal invested and the proceeds for the principal in one account.

Afterwards, the platform of the affiliated P2P company executes the integrated receivable linkage API, inquires with the member information received from the P2P exchange server, and stores the integrated receivable.

Afterwards, when a product's revenue or principal repayment date occurs, the partner P2P company's platform is deposited into the investor's virtual account of the open banking platform when the investment including the proceeds and principal is deposited in the customer's virtual account of the partner P2P company. Transfer the investment.

Thereafter, the P2P exchange server inquires the account number of the investor-specific virtual account issued by the open banking platform to the open banking platform.

Finally, the partner P2P company's platform executes the repayment completion module, passes the member information key, product number, product type, repayment and product status to the P2P exchange server, and the P2P exchange server executes the repayment completion receiving API. Finalize the consolidated receipt request.

14 is a view for explaining the investment account book function among the investment management function of the P2P exchange server according to an embodiment of the present invention. First, as shown in FIG. 14, an investor accesses a P2P exchange server and logs in using an investor terminal.

Thereafter, the P2P exchange server transmits relevant data to the investor terminal so that the P2P my page can be displayed on the investor terminal.

Thereafter, the P2P exchange server transmits related data to the investor terminal so that the P2P investment management investment account book page can be displayed on the investor terminal.

The P2P exchange server then creates a P2P investment history management and P2P investment report.

In this specification, each block or each step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions noted in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be implemented directly in hardware, a software module or a combination of the two executed by a processor. The software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM or any other form of storage medium known in the art. An example storage medium is coupled to the processor, which can read information from and write information to the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside within an application specific integrated circuit (ASIC). The ASIC may reside in a user terminal. In the alternative, the processor and the storage medium may reside as discrete components in a user terminal.

Although the embodiments of the present invention have been described in more detail with reference to the accompanying drawings, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. Therefore, it is to be understood that the embodiments described above are exemplary in all respects and not restrictive. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

110 Affiliate P2P Vendor Platforms
120 P2P Exchange Server
130 open banking platform
140 First Investor Terminal and Second Investor Terminal
200 P2P Exchange Server
210 Communication Department
220 storage
230 control unit

Claims (1)

From a terminal of a first investor, a specific product of a specific affiliated peer to peer (P2P) company to sell among the products owned by the first investor and an amount of the specific product are set, and an open banking platform When a virtual account for a P2P exchange transaction is issued from a second investor's terminal and a request for purchase of the specific product is received from the second investor's terminal, the purchaser can query the platform of the specific affiliated P2P company for sale, and the seller sells the information with the seller's confirmation. The P2P company's platform automatically checks whether or not the right to receive the principal is properly issued through the platform of the issuing P2P company, and the purchaser's confirmation is issued by the P2P company to which the buyer has subscribed. If it is determined that the purchaser of the specific product can be purchased by the second investor, the P2P exchange A P2P exchange server for transmitting the amount of the specific product through the open banking platform to a virtual account for trading;
Issue a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, to the P2P exchange server and between the terminal of the first investor and the terminal of the second investor When the sale is completed, the open banking platform for recovering the issued P2P exchange escrow account;
The second investor is requested to purchase the specific product from the P2P exchange server, and the investment limit of the second investor is queried to provide feedback on whether the second investor can purchase the specific product. Including the platform of the affiliated P2P company, sending to the P2P exchange server,
The P2P exchange server,
When the first investor determines that the first investor is a registered investor through the login process from the terminal of the first investor, the P2P my page product investment details are transmitted, and the terminal from the first investor's terminal 1 A specific product of a specific affiliated P2P company to sell among the products owned by the investor and the amount of the specific product are set, a virtual account for a P2P exchange transaction is issued from the open banking platform, and the terminal from the terminal of the second investor. When the purchase request for the specific product is received, the platform of the specific affiliated P2P company is inquired whether the purchase is possible, and when it is determined that the second investor can purchase the specific product, the virtual account for trading on the P2P exchange Send the amount through the open banking platform,
If it is determined that the purchase of the specific product was successful, the second investor sends a guide message indicating that the purchase is completed to the terminal of the first investor and the terminal of the second investor. Communication unit for transmitting a guide message that the purchase failed to the terminal of; And
If it is determined that the terminal of the second investor deposits the amount into the virtual account for the P2P exchange, the bond investor logic is executed to determine that the purchase of the specific product is successful. Remitting the amount of money to the personal account of the, and if it is determined that the purchase of the particular product has failed, the control unit for remitting the amount to the personal account of the second investor,
The open banking platform,
When the purchase of the specific product is successful between the terminal of the first investor and the terminal of the second investor, when the purchase amount is transferred to the personal account of the first investor, and the purchase of the specific product fails, Remitting the amount to the personal account of the second investor;
The P2P exchange server,
Generate and issue a member information unique key based on the member information of the second investor, encrypt the member information unique key and the personal information of the second investor according to a predefined encryption module, and then To the platform,
The platform of the affiliated P2P company,
The second investor receives a request from the P2P exchange server to determine whether the specific product can be purchased, executes a member information application API, and executes the encrypted member information unique key and the second investor. Decrypting the personal information, and by checking the decrypted unique member information key and the personal information of the second investor to determine whether the second investor is a member registered in advance, the second investor is a new subscriber In case of storing the member information unique key, executing a virtual account issuance API, requesting the withholding information of the second investor from the P2P exchange server, and receiving the withholding information from the P2P exchange server, Issuing a virtual account for the transaction, and if the second investor is an existing subscriber, by executing a query API whether to invest, the second investment Investigating the investor's investment limit, and transmitting the investment limit inquiry result of the second investor to the P2P exchange server, Principal payment receipt trading system through a P2P transaction.

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