KR102097244B1 - Method for peer to peer intellectual property secured loan financial technology service and apparatus thereof - Google Patents

Abstract

In the P2P intellectual property secured loan financial technology service method, the financial technology service device receives intellectual property secured loan application information for applying for P2P secured loan using the intellectual property as collateral from the first information terminal; Performing a loan examination based on the information on the application for the loan for collateral for intellectual property; Through communication with the financial support server, an investment product is opened based on the intellectual property collateral loan application information received from the first information terminal, and investment product information including collateral information, investment judgment information, and loan condition information is displayed. Performing an investment attraction; Receiving an investment money from a second information terminal, and performing a security loan using the intellectual property as collateral to perform processing of data and electronic signals for remitting the loan to the account specified in the intellectual property security loan application information; And performing the processing of data and an electronic signal for executing the monetization of the collateral when the collateralized loan is executed.

Description

Method and apparatus for P2P intellectual property mortgage loan financing technology service method and apparatus therefor {METHOD FOR PEER TO PEER INTELLECTUAL PROPERTY SECURED LOAN FINANCIAL TECHNOLOGY SERVICE AND APPARATUS THEREOF}

The present invention relates to a peer-to-peer (P2P) intellectual property collateral loan financial technology service method and apparatus, in detail, as a loan applicant who provides intellectual property as a collateral and borrows necessary funds, and conditions for receiving an investment return The present invention relates to a P2P intellectual property security loan financial technology service method and apparatus for connecting a plurality of investors who invest their own cash assets to each other through a P2P security loan to secure a intellectual property as a security.

Peer-to-peer (P2P) loans are a new method of lending, where a large number of investors (creditors), not banks or private bankers, collect money and lend it directly to individuals or businesses.

Since P2P loans are all done online, they can reduce recruitment advertising costs, labor costs, etc., investors can get higher returns than bank interest rates, and the target of investment is to borrow capital at a lower interest rate than banks and private banking. The market is growing rapidly due to various advantages such as being possible.

Against the backdrop of the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting interest from lenders and investors.

As such, P2P loans are more convenient than traditional financial transaction methods, offering lower interest rates to loan applicants, and providing relatively high returns to investors in a low interest rate environment. It becomes a trend.

Meanwhile, with the development of the knowledge industry, various knowledge assets are being created. This intellectual property is largely protected by copyright and industrial property rights.

Therefore, the necessity for a method of lending using such intellectual property as collateral has been recognized. However, if the method of evaluating intellectual property, which is the object of collateral, is still insufficient, and the loan bond is insolvent, the method of recovering such insolvent loan is also due to the absence of a specialized securitization company. It is a reality that he is reluctant to borrow loans with property and assets as collateral.

The problem to be solved by the present invention is to provide knowledge assets as collateral and loan applicants who borrow the necessary funds, and a plurality of investors who invest their own cash assets as a condition of receiving investment profits by connecting each other through P2P collateral loans The object of the present invention is to provide a P2P knowledge property mortgage loan financial technology service method and apparatus for making a P2P mortgage loan by using property as collateral.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems that are not mentioned can be clearly understood by a person having ordinary knowledge in the technical field to which the proposed embodiment belongs from the following description. will be.

In the P2P intellectual property collateral loan financial technology service method according to an aspect of the present invention, the financial technology service device may receive the intellectual property collateral loan application information for applying for the P2P collateral loan by using the intellectual property as the collateral from the first information terminal. have. The financial technology service device conducts a demand forecast investigation on the intellectual property provided as collateral through communication with the second information terminal based on the information on the loan request for the intellectual property collateral, and uses the information on the loan request information and the prediction of the demand for the intellectual property collateral You can perform a loan screening. The financial technology service device may open an investment product and perform investment attraction based on investment application information received from the second information terminal through communication with the financial support server. The financial technology service device receives the investment money from the second information terminal and executes a collateral loan using the intellectual property as collateral to perform processing of data and electronic signals to transfer the loan to the account specified in the intellectual property collateral loan application information. Can be. When the financial technology service device executes the collateralization of the collateral for which the collateralized loan has been executed, the collateralization of the collateralized collateralized by transmitting information that can participate in the collateralization of the collateralized information to the second information terminal corresponding to the preferred investor information obtained through the demand forecast investigation. It is possible to perform processing of data and electronic signals to execute.

The financial technology service device according to another aspect of the present invention stores data for storing secured loan application information, investment product information, and investment application information including intellectual property information and loan condition information provided as collateral received from the first information terminal. And a processor. Here, the processor may receive the intellectual property collateral loan application information for applying for a P2P collateral loan using the intellectual property as collateral from the first information terminal. The processor may conduct a demand prediction investigation on the intellectual property provided as the collateral through communication with the second information terminal based on the received information on the loan request for the collateral for the intellectual property. The processor may perform loan screening, open investment products, and attract investment by using the information on the application for loans for intellectual property security and the results of demand forecast surveys. The processor may receive an investment money based on the investment application information received from the second information terminal through communication with the financial support server and execute a security loan using the intellectual property as collateral. When the collateralized loan is executed, the processor transmits the collateralized collateralization by transmitting information to participate in the collateralization of the collateralized information to the second information terminal corresponding to the priority investor information obtained through the demand prediction survey. For data and electronic signals.

In the P2P intellectual property collateral loan financial technology service method according to another aspect of the present invention, the financial technology service device may receive the intellectual property collateral loan application information for applying for the P2P collateral loan by using the intellectual property as the collateral from the first information terminal. have. The financial technology service device conducts a demand prediction investigation on the intellectual property provided as collateral through communication with the second information terminal based on the received information on the loan request for the collateral for the intellectual property, and uses the mortgage loan application information and the demand prediction result You can perform a loan screening. The financial technology service device may receive an investment money by opening an investment product and performing an investment attraction based on investment application information received from the second information terminal through communication with the financial support server. The financial technology service device may perform a collateral loan by using the intellectual property as collateral, and perform processing of data and electronic signals for remitting the loan to the account specified in the intellectual property collateral loan application information. The financial technology service device may perform a process of interest payment and investment return based on a secured loan through communication with the financial support server.

The financial technology service device according to another aspect of the present invention stores data for storing secured loan application information, investment product information, and investment application information including intellectual property information and loan condition information provided as collateral received from the first information terminal. It can include a wealth and a processor. Here, the processor may receive the intellectual property collateral loan application information for applying for a P2P collateral loan using the intellectual property as collateral from the first information terminal. The processor may conduct a demand prediction investigation on the intellectual property provided as the collateral through communication with the second information terminal based on the received information on the loan request for the collateral for the intellectual property. The processor may perform loan screening, open investment products, and attract investments using the mortgage loan application information and the demand forecast survey results. The processor may receive an investment money based on the investment application information received from the second information terminal through communication with the financial support server. The processor may perform a mortgage loan using the intellectual property as collateral to process data and electronic signals for sending the loan to the account specified in the intellectual property collateral loan application information. The processor may perform a process of interest payment and investment return based on a secured loan through communication with a financial support server.

In the P2P intellectual property collateral loan financial technology service method according to another aspect of the present invention, the financial technology service device may receive the intellectual property collateral loan application information for applying for the P2P collateral loan by using the intellectual property as the collateral from the first information terminal. have. The financial technology service device may perform a loan examination for the intellectual property provided as the collateral based on the information for applying for the collateral for the intellectual property received from the first information terminal. The financial technology service device may receive an investment money by opening an investment product and performing an investment attraction based on investment application information received from the second information terminal through communication with the financial support server. The processor may perform a mortgage loan using the intellectual property as collateral to process data and electronic signals for sending the loan to the account specified in the intellectual property collateral loan application information. The financial technology service device may perform a process of interest payment and investment return based on a secured loan through communication with the financial support server.

According to the present invention, when the P2P collateral loan is not officially priced, such as intellectual property or the like, the demand forecast survey is conducted on collaterals that have price volatility due to demand and supply, and collected in the demand forecast survey After the P2P mortgage loan is executed based on the collected data, the collateralization of the collateral may be executed based on the data collected in the demand forecast survey when the collateralization requirement is met.

Accordingly, loan applicants who have intellectual property may be able to secured loans using the intellectual property as collateral.

According to the present invention, in the P2P collateralized loan process, if an official price such as intellectual property is not priced or an official price is set, if the intellectual property with price volatility is collateralized according to supply and demand, a reasonable value is calculated. And, when the collateral needs to be cashed, the collateral can be quickly cashed.

According to the present invention, by properly linking the intellectual property collateral loan and peer-to-peer (P2P) loan and crowdfunding through internet-based technology, the loan applicant can borrow the intellectual property he possesses as collateral and receive money. Investors investing in can be provided with stability and convenience of transactions and relatively high returns.

According to the present invention, the investment judgment information provided to investors includes investment judgment information to which information asymmetry is applied. As informal investment judgment information, it is possible to optimize and provide the information available to investors to the level of investors based on the results of the demand forecast survey obtained through demand forecasting.

By setting the types of information that can be viewed according to the investor's grade for the unstructured investment judgment information, it is possible to provide practical help to the investment considering the propensity of the investor.

Accordingly, it is possible to determine whether or not to invest without providing psychological burden on the investment information by providing a simple kind of information to the general members in accordance with the eye level of the general members. In addition, by blocking pre-existing information that is too professional for general members, it is possible to increase the confusion about the investment information and prevent side effects of psychologically forming a defensive wall.

Likewise, by providing in-depth types of information to expert members in line with the eye level of expert members, it is possible to provide an opportunity for careful review of the investment information to effectively determine whether to invest. In addition, it is possible to prevent side effects that do not give psychological credibility to the investment information by blocking in advance that information that is too general for expert members is listed.

In addition, by providing more detailed information to a special member or a VIP member, synchronization of specialized membership for paid members can be provided.

According to the present invention, a rational loan may be generated as the loan interest rate is applied by a standardized calculation formula according to the value of an investment or collateral.

According to the present invention, it becomes possible to provide liquidity through precise value analysis on intellectual property that was not easily recognized as a value as a collateral.

According to the present invention, it is possible to secure the stability to investors by applying the intellectual property as collateral to individual products.

According to the present invention, it is possible to derive high liquidity compared to existing financial institutions by receiving an appropriate reference price of collateral by an investment advisory group specialized in intellectual property.

According to the present invention, since the loan interest rate is reasonably applied as determined by the standardized calculation formula, it can ultimately contribute to the activation of the intellectual property trading market.

According to the present invention, a safe investment is possible by securing the collateral of intellectual property by breaking the frame of credit handled in the conventional loan method.

According to the present invention, it may be helpful for personal credit management because the loan record may not be reflected in the credit score.

According to the present invention, in connection with the era of P2P loans, intellectual property investments and collateral loans using the P2P platform are possible by connecting intellectual property experts (investors) and individual lenders (investors) by grafting intellectual property and investment into fintech. Was done.

1 is a view for explaining the concept of P2P intellectual property mortgage loan financial technology service according to an embodiment of the present invention.
2 is a view for explaining a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.
3 is a view for explaining a financial technology service device in a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.
4 is a flow chart for explaining a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.
5 is a flowchart illustrating a loan demand prediction investigation process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.
6 is a flowchart for explaining a secured loan advance process in a P2P intellectual property secured loan financial technology service method according to an embodiment of the present invention.
7 is a view for explaining a collateralized cashing process in a P2P intellectual property collateralized loan financial technology service method according to an embodiment of the present invention.
8 is a view for explaining a loan due date expiration notification process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

The present invention can be applied to various changes and can have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

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

1 is a view for explaining the concept of P2P intellectual property mortgage loan financial technology service according to an embodiment of the present invention.

Referring to FIG. 1, a P2P intellectual property security loan financial technology service according to an embodiment of the present invention may be provided by a P2P financial-based technology service company 1.

A P2P-based financial technology service company (1) includes an investment advisor (2) that conducts valuation of collateral, an affiliate financial institution (3) that performs the procedure of depositing investments, paying out loans, paying interest, repaying principal and interest, and paying investment proceeds. P2P collateral by connecting business partners, providing loans (4) for borrowers who want to borrow and providing their intellectual property as collateral, and investors (5) who want to invest their cash assets through crowdfunding. Perform loan financial technology services. Here, the investment advisor 2, the affiliated financial institution 3, the loan applicant 4, and the investor 5 may not be limited to one, but may be multiple.

It is difficult to fully trust the price information at a specific point in time, for example, even if it is an intellectual property that has official or official price information. Because price is determined by supply and demand, in the event of fluctuations in supply and demand, prices have the potential to fluctuate at any time.

Therefore, even if the intellectual property where the official price information exists is collateral, due to the possibility of fluctuations in supply and demand, the P2P-based financial technology service company (1) conducts a demand forecast survey for investors (5). After that, the value of the collateral can be evaluated based on the results of the survey, and accordingly, the loan availability can be determined.

Likewise, if the intellectual property that does not have official price information is collateral, the P2P-based financial technology service company (1) conducts a demand forecast survey on investors (5) and then based on the survey results You can evaluate the value and decide whether or not you can borrow it accordingly.

In addition, even if the intellectual property that has official price information is collateral, due to the possibility of fluctuations in supply and demand, the P2P-based financial technology service company (1) conducts a demand forecast survey for investors (5). Therefore, it is possible to determine or decide whether or not to invest in any loan condition information. Accordingly, the loan applicant 4 may modify the loan application information including the loan conditions so as to correspond to the demand prediction survey result.

Likewise, if the intellectual property that does not have official price information is collateral, the P2P-based financial technology service company (1) can invest in any loan condition information by conducting a demand forecast survey on the investor (5) You may decide or decide whether or not. Accordingly, the loan applicant 4 may modify the loan application information including the loan conditions so as to correspond to the demand prediction survey result.

Here, intellectual property may include industrial property rights, copyrights, new intellectual property rights, and Internet operating sites.

Industrial property rights may include patent rights, utility model rights, trademark rights, and design rights.

Copyright is the intellectual property right to the work.

Here, the work may include language works, music works, art works, theater works, photo works, video works, figure works, architectural works, and computer programs.

Language works may include novels, poetry, papers, lectures, speeches, screenplays, etc.

Art works may include paintings, calligraphy, sculpture, engraving, crafts, and applied art works.

Theatrical works may include theater, dance, and pantomime.

The shape work may include maps, diagrams, schematics, and schematics.

The architectural work may include a building, a model for construction, a design drawing, a design book, and the like.

New intellectual property rights can include trade secrets, biotechnology inventions, domain names, computer programs, semiconductor integrated circuit layout design, databases, and digital content.

The Internet operation site may include a community space operated online, such as a micro-blog, a homepage, and an Internet cafe, and a space for sharing knowledge information.

In the case of intellectual property, the collateral value may be higher than the investor's investment point, and the security of the collateral may be considered depending on whether the collateral value is lower than the investment point.

For example, if the value of collateral is higher than the investment point, it can be considered that the collateral value for the relevant intellectual property has increased relative to the investment point. However, if the value of the collateral is lower than the investment point, it can be considered that the collateral value for the relevant intellectual property has fallen relative to the investment point.

Therefore, it is very difficult for such intellectual property to have official price information. In the case of collateral with price volatility due to supply and demand even if there is no official price information, such as intellectual property, or there is official price information, the P2P-based financial technology service company (1) surveys the demand forecast through the investor (5) After performing the, the value of the collateral can be evaluated to correspond to the survey results, and accordingly, it is possible to determine whether or not the loan can be made.

In addition, the P2P-based financial technology service company (1) 's P2P collateralized lending financial technology service has a price volatility due to supply and demand even if there is no official price information or official price information. In the case of carrying out the monetization of, it is possible to provide information to participate in the monetization of collateral to preferential investors secured through a pre-executed demand forecast survey. The monetization of collateral may be carried out when the collateralized loans are fulfilled after the mortgage loan is executed using the intellectual property as collateral.

The P2P-based financial technology service company 1's P2P collateralized loan financial technology service may be made by executing a loan to a loan applicant by using intellectual property as collateral.

In addition, the P2P-based financial technology service company 1's P2P secured loan financial technology service is made by collecting loans from investors 5 who want to invest their cash assets through a crowdfunding method and executing loans to loan applicants.

To this end, the P2P-based financial technology service company 1 receives a loan application as collateral for intellectual property from the loan applicant 4. Here, the intellectual property provided as collateral may be the intellectual property possessed by the loan applicant 4 or the intellectual property held by a third party.

 The P2P-based financial technology service company 1 may request the investment advisor 2 to request collateral evaluation for the intellectual property provided by the loan applicant 4 as collateral. The investment advisor 2 can calculate the collateral value for the requested intellectual property and provide it to the P2P based financial technology service company 1.

Meanwhile, the P2P-based financial technology service company 1 receives an investment application from an investor 5. The cash assets invested here may be cash assets held by the investor 5 or may be cash assets held by a third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited to this, and may be any entity capable of investing cash assets. Therefore, it can be a corporation, not an individual. Also, preferably, the investor 5 may be a plurality of investors, and may be a plurality of investors participating in crowdfunding to form funds for a specific purpose. Preferably, the investor 5 can invest cash funds through a crowdfunding method and receive investment returns such as interest income or equity income.

The affiliated financial institution 3 may receive an investment deposit from an investor 5 who has been approved for investment by the P2P-based financial technology service company 1.

Affiliated financial institutions (3) execute loans to loan applicants (4) who have been approved for loans by P2P-based financial technology service companies (1), and regularly or non-paying interest and principal repayment procedures from those loan applicants (4). It can be done regularly.

On the other hand, similarly, the affiliated financial institution 3 periodically or irregularly pays the investment profit, such as interest on the investment, to the investor 5 who deposited the investment, and when the investment period expires, the investment is invested (5). ).

2 is a view for explaining a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.

2, in the P2P intellectual property security loan financial technology service system according to an embodiment of the present invention, the financial technology service device 100 is an advisory support server 200, a financial support server 300 through a wired or wireless communication network, It is configured to interwork with the first information terminal 400 and the second information terminal 500 to perform processing and communication of various data and electronic signals for a P2P intellectual property security loan financial technology service.

The financial technology service device 100 may be configured to include various processors for processing and communicating various data and electronic signals required for P2P-based financial technology service company 1 P2P intellectual property security loan financial technology service. .

In addition, the P2P mortgage loan financing service using the financing technology is a loan applicant who applies the profit when the value of the collateral at the time of the loan and the value of the collateral at the time of the loan expire are different. It can be set to distribute between and investors.

Therefore, the P2P collateralized loan financing technology to promote intellectual property and the investor connection service properly reflects that the views of investors and lenders may differ on the volatility of collateral during the demand forecasting process through the P2P lending platform.

In other words, the P2P collateralized lending financing service using the financing technology is a condition in which loan applicants and investors allocate each expected profit according to the increase in the value of collateral during the loan period at a mutually negotiated ratio. It is a P2P collateralized lending financial technology service that allows loan rates to be negotiated.

When the investor predicts that the value of the collateral will increase during the loan period, instead of setting the interest rate low, the investor may request a portion of the gains obtained when disposing of the collateral if the value of the collateral increases.

As such, according to the expectations of the distribution of the profits of the investors, it is possible to reduce the burden of fixed costs to the lender and allow a large amount of loans. On the other hand, while receiving a stable fixed interest rate to the investor, it is possible to give the expectation of the return due to the increase in the value of the collateral subject to the loan.

To this end, the financial technology service device 100 may include a processor for performing processing and communication of various data and electronic signals necessary to proceed with a process of executing a loan by collateralizing intellectual property.

In addition, the financial technology service device 100 is a P2P-based financial technology service company 1, an investment advisor 2 performing an evaluation of collateral value for intellectual property, and an affiliate financial institution performing an interest and principal repayment procedure (3 It may be configured to include a processor for performing processing and communication of various data and electronic signals necessary to proceed with the affiliate business.

In addition, the financial technology service device 100 may be executed in advance when carrying out the forecasting of demand and the monetization of collateral for which collateralized loans have been executed because there is price volatility due to supply and demand even if there is no official price information or there is official price information. It will consist of a processor for processing and communicating various data and electronic signals necessary to proceed with the collateralization process by providing information to participating investors in the collateralization of collateral by providing preferential investors secured through the demand forecast investigation. Can be. The collateralization process may be executed when the collateralized loans are fulfilled after the collateral loan is executed using the intellectual property as collateral.

In addition, the financial technology service device 100 connects the loan applicant 4 who wants to borrow the intellectual property held as collateral and the investor 5 who wants to invest the cash assets held by the crowdfunding method through a P2P loan method. It can be configured to include a processor for processing and communicating various data and electronic signals necessary to perform a P2P secured loan financial technology service.

That is, when the financial technology service device 100 receives loan application information such as desired loan information input through the first information terminal 400, the financial technology service device 100 examines it and determines whether or not it is possible to loan. , When it is determined that the loan is possible, the loan is delivered to the loan applicant 4 through the affiliated financial institution 3 of the financial support server 300.

At this time, the financial technology service device 100 may be configured to manage the investment funds previously collected from the investor 5, and then transmit the loan using the loan applicant 4 determined to be loanable, or The loan application information of the loan applicant 4 may be disclosed to the investor and the investment fund raised in response thereto may be transmitted to the loan applicant 4. However, the present invention is not limited to such a configuration, and it is natural that various conventional methods including a mixed form of the two configurations may also be applicable.

The advisory support server 200 calculates the collateral value for the intellectual property, for example, the intellectual property collateral requested for evaluation performed by the investment advisor 2, and provides various data and data for the P2P-based financial technology service company 1 It may be configured to include various processors that perform electronic signal processing and communication.

The advisory support server 200 may generate quantitative and qualitative value measurement data by measuring quantitative and qualitative values, for example, based on various methods of obtaining the intellectual property, for example, various data obtained for the intellectual property.

The advisory support server 200 may calculate the growth potential of the intellectual property through various scenario approaches with the accumulated intellectual property data.

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

To this end, the financial support server 300 processes and processes various data and electronic signals necessary for the affiliated financial institution 3 to receive an investment from an investor 5 who has been approved for investment by the P2P-based financial technology service company 1. It can be configured to include a processor for performing communication.

In addition, the financial support server 300 executes a loan to the loan applicant 4, which the affiliate financial institution 3 has been approved for loan by the P2P-based financial technology service company 1, and interests from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals necessary to periodically or irregularly perform the principle repayment procedure.

In addition, the financial support server 300 periodically or irregularly performs interest on the investment to the investor 5, where the affiliated financial institution 3 deposited the investment, and the investor 5 when the investment period expires It can be configured to include a processor for performing processing and communication of various data and electronic signals necessary to proceed to return to the.

3 is a diagram for explaining a financial technology service device in a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.

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

The data storage unit 110 may store secured loan application information, investment product information, and investment application information including intellectual property information and loan condition information to be provided as collateral received from the first information terminal 400.

The processor 120 may receive collateral loan application information for applying for a loan by collateralizing intellectual property from the first information terminal 400.

To this end, the processor 120 may communicate with the first information terminal 400 to provide screen information for receiving collateral loan application information from the first information terminal 400 to the first information terminal 400. .

The processor 120 transmits collateral evaluation request information on the intellectual property provided as collateral to the advisory support server 200. To this end, the processor 120 generates collateral evaluation request information based on the collateral loan application information input from the first information terminal 400.

Here, the intellectual property provided as collateral may be the intellectual property possessed by the loan applicant 4 or the intellectual property held by a third party. The present invention is not limited to this, and the intellectual property of various conditions that can be traded in the intellectual property trading market may be provided as collateral.

The processor 120 receives an investment application signal from the second information terminal 500. To this end, the processor 120 may communicate with the second information terminal 500 to provide screen information for receiving investment application information from the second information terminal 500 to the second information terminal 500.

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

For the types of loans, for example, the loan repayment method may include a temporary repayment of principal and interest, a repayment of principal and repayment of interest monthly.

The advisory support server 200 receives a request signal for evaluating intellectual property collateral from the financial technology service device 100 and returns an evaluation result data to the financial technology service device 100 by performing an evaluation on the intellectual property collateral.

The advisory support server 200 calculates the collateral value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100. The collateral value result information calculated by the advisory support server 200 is provided to the financial technology service device 100.

The advisory support server 200 may execute various scenario access processes for intellectual property to generate value growth potential information of the intellectual property.

The advisory support server 200 may generate risk management information for the requested intellectual property. Risk management information is generated by evaluating the value of collateral for the intellectual property requested for evaluation through data and analysis techniques. The risk management information may include information on changes in the mortgage ratio that are identified in real time.

The financial support server 300 communicates with the second information terminal 500 of the investor 5 who has received the approval of the investment application from the financial technology service device 100 to perform a financial transaction process for receiving an investment.

The financial support server 300 performs a loan proceeding process for a loan applicant who has been approved for loan by the financial technology service device 100, and performs a process of depositing the loan into a deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service device 100 to deposit account information included in the collateral loan application information received by the financial technology service device 100 from the first information terminal 400 Is received and stored. In addition, the financial support server 300 performs communication with the first information terminal 400 of the loan applicant 4 to periodically or irregularly perform the interest and principal and interest repayment process.

Meanwhile, similarly, the financial support server 300 performs a financial transaction process in which the investor 5 depositing the investment deposits interest into a designated deposit account. To this end, the financial support server 300 communicates with the financial technology service device 100 to receive deposit account information included in the investment application information received from the second information terminal 500 by the financial technology service device 100. Received and stored. When the investment period expires, the financial support server 300 performs a financial transaction process that returns the investment money to the account of the investor 5.

The first information terminal 400 and the second information terminal 500 are wired / wireless to enable data transmission / reception with the financial technology service device 100, the financial support server 400, and the storage support server 600 through a communication network. Can be connected to each other.

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

The Internet is a TCP / IP protocol and several services that exist in the upper layer, such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and SNMP. (Simple Network Management Protocol), Network File Service (NFS), and Network Information Service (NIS). The first information terminal 400 and the second information terminal 500 provide an environment in which the loan applicant 4 and the investor 5 can be connected to the financial technology service device 100 and the financial support server 400. to provide. Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. An example of an asynchronous mobile communication network is a wideband code division multiple access (WCDMA) communication network. In this case, although not shown in the drawings, the mobile communication network may include, for example, a radio network controller (RNC). On the other hand, although the WCDMA network is taken as an example, it may be a next-generation communication network such as a 3G LTE network, a 4G network, a 5G network, or an IP network based on other IPs. The communication network serves to mutually transmit signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service device 100, the financial support server 400, and the storage support server 600. To perform.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service device 100 and the financial support server 400 through a communication network, and all types of wired and wireless communication capable of using various financial transaction services. It can be a device.

For example, the first information terminal 400 and the second information terminal 500 include various mobile terminals communicating through a wireless Internet or a portable Internet, and in addition, a Palm PC, a smart phone, A user interface for accessing a financial technology service device 100, such as a mobile play-station, a DMB (Digital Multimedia Broadcasting) phone with a communication function, a tablet PC, an iPad, and a financial support server 400 It can mean all the wired and wireless home appliances / communication devices having a.

In particular, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smartphone, the smartphone is a variety of applications desired by the user, unlike a general mobile phone (aka feature phone). Application) A phone based on an open operating system that can be freely downloaded and used by downloading a program. All mobile phones equipped with mobile office functions as well as functions such as voice / video calls and Internet data communication that are commonly used. Or it can be understood as a communication device that does not have a voice call function but includes all Internet phones or tablet PCs that can access the Internet.

Such a smart phone can be implemented as a smart phone equipped with various open operating systems. Examples of the open operating system include Nokia's Symbian, RIMS 'Blackberry, Apple's iPhone, and Microsoft. It can be made of Windows Mobile from MS, Android from Google, or the sea of Samsung Electronics.

As such, since the smart phone uses an open operating system, unlike a mobile phone having a closed operating system, a user can install and manage various application programs at will.

That is, the smart phone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-range wireless communication module, and a battery for supplying power.

The control unit is a generic term for a functional configuration that controls the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional configuration unit provided in the smartphone through a bus.

The controller controls the operation of the smartphone by loading and calculating at least one program code provided in the smartphone through the processor into the execution memory, and passing the result to the at least one functional component through the bus.

 The memory unit is a generic term for a non-volatile memory provided in a smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and system data set corresponding to the operating system of the smartphone, a communication program code and communication data set that handles a wireless communication connection of the smartphone, and at least one application program code and application data set, The program code and data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the same, and is connected to the controller and a bus to output a calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit is composed of a key input device (or a touch screen device interworking with a screen output unit) having at least one key button and an input module driving the same, and is connected to a control unit and a bus to command various operations of the control unit. Enter or data required for the operation of the control unit.

The sound output unit is composed of a speaker that outputs a sound signal and a sound module that drives the speaker, and is connected to the controller and a bus to output the calculation result corresponding to the sound output among various calculation results of the control unit through the speaker. The sound module decodes sound data to be output through a speaker and converts it into a sound signal.

The sound input unit is composed of a microphone that receives a sound signal and a sound module that drives the microphone, and transmits sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit consists of an optical unit, a CCD (Charge Coupled Device), and a camera module that drives it, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both image data and video data of a still image.

The wireless network communication module is a general term for a communication configuration that connects wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module that transmit and receive radio frequency signals in a specific frequency band. Connected, registers, communicates, and handoffs wireless communications by transmitting the result of the operation corresponding to wireless communication among various operation results of the control unit through wireless communication or receiving data through wireless communication to the control unit, and at the same time Maintain the procedure.

In addition, the wireless network communication module includes a mobile communication configuration that performs at least one of access, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to CDMA / WCDMA standards. On the other hand, according to the intention of a person skilled in the art, the wireless network communication module may further include a portable Internet communication configuration that performs at least one of access, location registration, data communication, and handoff according to the IEEE 802.16 standard, and the wireless network communication module. The present invention is not limited by the wireless communication configuration provided.

The short-range wireless communication module is composed of a short-range wireless communication module that connects a communication session by using a radio frequency signal as a communication medium within a certain distance, and is preferably ISO 180000 series standard RFID communication, Bluetooth communication, Wi-Fi communication, public wireless It may include at least one of the communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

4 is a flow chart for explaining a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service device 100 receives the intellectual property security loan application information from the first information terminal 400 (S10).

Here, the mortgage loan application information may include the type of intellectual property to be provided as collateral, the desired amount of loan, loan terms, deposit account number, name, telephone number, email, address, and mortgage evaluation grade.

The mortgage evaluation grade may include a credit property investment reliability evaluation grade of a loan applicant calculated and granted by the mortgage evaluation process of the financial technology service device 100. The evaluation rating of the reliability of investment in intellectual property is based on the relative evaluation based on the first evaluation rating based on the absolute return calculated by reflecting the return rate based on the purchaser's knowledge property trading information, and the first evaluation rating linked with the fluctuation rate of market information. A third evaluation grade calculated by synthesizing the second evaluation grade may be included.

To this end, the financial technology service device 100 communicates with the first information terminal 400 to provide screen information for receiving collateral loan application information from the first information terminal 400 to the first information terminal 400 can do.

For example, the financial technology service device 100 may provide a screen for accepting terms and conditions for inputting information on applying for collateral for intellectual property, a screen for inputting member information, a screen for inputting intellectual property information, and a screen for inputting loan conditions.

The financial technology service device 100 performs an authentication process of whether or not the security is possible as part of the loan screening process based on the information on the application of the loan for the collateral of the intellectual property received from the first information terminal 400 (S20).

The financial technology service device 100 may request the collateral evaluation and loan possibility of the intellectual property security loan application information from the advisory support server 200.

The financial technology service device 100 may receive the collateral evaluation decision information about the collateral described in the collateral for applying for collateral for intellectual property from the advisory support server 200 to determine whether the collateral loan is possible. When it is determined that the secured loan is possible, the loanable guidance information is transmitted to the first information terminal 400, and when it is determined that the secured loan is impossible, the loanable guidance information may be transmitted to the first information terminal 400. .

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

The financial technology service device 100 may process and communicate with various data and electronic signals necessary to estimate the possibility of attracting investment funds from investors through the loan demand prediction investigation process in conjunction with the second information terminal 500. have.

That is, the financial technology service device 100 may execute a loan demand prediction investigation process using a demand prediction P2P platform to predict loan demand for investors in connection with the second information terminal 500. According to the loan demand prediction result, loanable guidance information or loanable guidance information may be transmitted to the first information terminal 400.

In addition, the financial technology service device 100 interworking with the first information terminal 400 processes and communicates various data and electronic signals necessary for the loan applicant to modify the loan conditions based on the results of the loan demand prediction survey. You can do

To this end, the financial technology service device 100 may generate demand prediction request information for aggregating investmentable funds to be invested in an intellectual property security loan.

The demand prediction request information may include information on the loanable amount, loan interest rate, loan period, early repayment rate, profit distribution ratio, and interest payment method.

Accordingly, investors participating in demand forecasting may generate demand forecasting result information by responding to items described in the demand forecast request information according to their investment method. For example, investors participating in demand forecasting can enter or select 50 million won in the loanable amount. You can enter or select 5.6% per annum for the loan rate. The loan period can be set for 30 days, 60 days, 90 days, or monthly. You can also choose between simple and compound interest payment methods.

The financial technology service device 100 may transmit demand prediction request information to the second information terminal 500 to receive demand prediction result information from the second information terminal 500.

The financial technology service device 100 determines whether the recruitment amount is satisfied based on the demand prediction result information, and according to the determination result, when the recruitment amount is satisfied, the loanable guidance information to the first information terminal 400 When it is transmitted and the recruitment amount is not satisfied, it is possible to transmit non-loan guidance information to the first information terminal 400.

On the other hand, the financial technology service device 100 works with the first information terminal 400 to communicate and process data and electronic signals necessary for the loan applicant to modify the loan conditions based on the loan demand prediction survey results. It can be done.

For example, the financial technology service device 100 may guide whether or not the recruitment amount is satisfied based on the demand prediction result information and the amount raised through the demand prediction, and apply for a loan for the raised amount or Inquiry information about whether to accept may be provided to the first information terminal 400. Accordingly, if the amount of the offer is smaller than expected, the borrower may apply for a loan and proceed with the loan if the borrower wants to receive a loan even if it is a partial amount.

Meanwhile, the financial technology service device 100 stores demand prediction result information received from the second information terminal 500. The stored demand prediction result information can be used when monetizing the collateral.

The demand forecasting investigation process can be used to predict the response of the loan terms proposed by the loan applicant to the platform. Through the demand forecast investigation process, the loan applicant can determine whether or not the loan condition that he or she intends to finally propose is appropriate. For example, a loan applicant can estimate that a loan can be borrowed even if it suggests conditions that are more favorable to him than the initial terms of the loan proposal that were submitted to the demand forecasting investigation process. For example, a loan applicant can estimate that a loan cannot be made on the terms of the initial offer submitted to the demand forecasting investigation process. The target for notifying the progress of loan-related demand prediction may be targeted to users who have previously registered as loan investors.

Through the demand forecasting investigation process, the financial technology service device 100 may determine whether the loan conditions of the secured loan-based investment product to be launched are appropriate. For example, the financial technology service device 100 may estimate that a loan can be received even if a condition favorable to the loan applicant is proposed rather than the initial loan desired proposal condition submitted to the demand forecasting investigation process. In this case, the financial technology service device 100 may guide the first information terminal 400 about the possibility that the attracting of investors may be terminated early due to the stability of the value of the collateral asset, and propose a higher loan rate. You may be able to offer a higher loan amount. In addition, the financial technology service device 100 may reflect this positive demand prediction result as a reference for the loan screening process.

On the other hand, the financial technology service device 100 may estimate that the loan cannot be made under the initial proposal conditions submitted to the demand forecasting investigation process. In this case, the financial technology service device 100 may not be able to attract investors for a long time or end within a predetermined period because the value of the collateral asset in the first information terminal 400 is not being positively evaluated in the current market. We can guide you about the possibilities. In addition, the financial technology service device 100 may propose a lower loan interest rate in order to attract investors because the value of the collateral asset in the first information terminal 400 is not being positively evaluated in the current market. In addition, a lower loan amount may be proposed.

In addition, the financial technology service device 100 may reflect this negative demand prediction result as a reference for the loan screening process.

The financial technology service device 100 executes a secured loan based on the collateral evaluation and loan possibility obtained by interworking with the advisory support server 200 for the information on the application of the collateral for intellectual property collateral in the loan screening process, and the result of the demand forecast survey. Can finally decide.

For example, the financial technology service device 100 may finally determine whether to execute the secured loan in consideration of the secured evaluation and the possibility of loan obtained through interworking with the advisory support server 200. In this case, the result of the demand forecast survey is merely a reference for whether or not to conduct a mortgage loan, and it may not actually be reflected.

For example, the financial technology service device 100 may finally determine whether to perform a mortgage loan in consideration of a result of a demand forecast survey. In this case, the collateral evaluation and loan possibility obtained through interworking with the advisory support server 200 are merely internal reference data and may not be reflected in practice.

For example, the financial technology service device 100 may ultimately determine whether to execute the secured loan by mainly considering the secured evaluation and the possibility of loan obtained through interworking with the advisory support server 200. In this case, the results of the demand forecast survey can be reflected as part of the use of collateral loans as a reference. In this case, the results of the demand forecast survey may not necessarily meet the essential requirements that prevent the loan from being executed.

For example, the financial technology service device 100 may ultimately determine whether to perform a mortgage loan by mainly considering the result of a demand forecast survey. In this case, the collateral evaluation and loan possibility obtained through interworking with the advisory support server 200 may be partially reflected by being used as a reference for whether or not to execute the collateral loan. In this case, the collateral evaluation and the possibility of loan obtained through interworking with the advisory support server 200 may not necessarily correspond to essential requirements that prevent the loan from being executed.

For example, the financial technology service device 100 may ultimately determine whether to execute the secured loan by considering the possibility of the secured evaluation and the loan possibility obtained through interworking with the advisory support server 200 and the demand forecast survey result. have. In this case, the collateral evaluation and loan possibility or demand prediction survey results obtained through interworking with the advisory support server 200 may correspond to essential requirements for not necessarily executing the loan.

That is, a collateral evaluation and loan possibility obtained through interworking with the advisory support server 200 and a judgment ratio are set for each of the demand forecast survey results, but if either of them does not achieve the minimum recognition rate, the loan is It may not work.

When it is determined that the secured loan is possible, the financial technology service device 100 performs a preliminary process of the secured intellectual property loan through communication of the first information terminal 400 (S40).

To this end, the first information terminal 400 may access the integrated computer network and perform a redemption conditional knowledge property transfer process. For the repurchase conditional knowledge property transfer process, the first information terminal 400 may access the integrated computer network to perform the corresponding process.

The financial technology service device 100 may receive a knowledge property transfer completion message from the first information terminal 400. To this end, the first information terminal 400 may receive an input signal for confirming that the transfer of intellectual property has been completed from the loan applicant.

The financial technology service device 100 opens an investment product based on the security loan application information received from the first information terminal 400 when the intellectual property security loan advance process is completed, and the second information terminal for the opened investment product It is possible to access the 500, so as to attract investment and receive investment applications and deposits from investors (S50).

At this time, the financial technology service device 100 may display the investment product information so that the investment product in which the second information terminal 500 is opened is accessible for attracting investment. The investment product information may include collateral information, investment judgment information, and loan condition information.

The collateral information may include information about collateral that can be viewed by investors among collateral loan application information. For example, the collateral information may include the type of intellectual property to be provided as collateral, the loan amount, the loan terms, and the mortgage rating level.

The investment judgment information may include investment judgment information to which information asymmetry is applied. For example, investment judgment information to which information asymmetry is applied may include standardized investment judgment information and unstructured investment judgment information. Herein, the standardized investment judgment information is an investment quantified by a standardized loan evaluation arithmetic expression of the loan screening process based on the information on the application of the collateral for the loan of the intellectual property received from the first information terminal 400 by the financial technology service device 100 It may include judgment information. For example, the standardized investment judgment information is a standardized and quantified index for the collateral evaluation and the possibility of loan for the intellectual property collateral loan application information acquired by the financial technology service device 100 by requesting the advisory support server 200. It can contain.

Meanwhile, the informal investment judgment information may include information that can be viewed by investors based on the result of the demand prediction survey obtained through the demand prediction. For example, the informal investment judgment information may be selectively included among the number of investors who participated in the demand forecasting survey, the expected investment size, the investor information, the investment participation intention check result information, the collateralization intention check result information, and the investment fund information. have.

Here, the investor information may selectively include the type of the investor who participated in the demand forecasting survey, the job category of the investor who participated in the demand forecasting survey, the company information that participated in the demand forecasting survey, preferred intellectual property information, contact information, and investment propensity information. The contact information may optionally include email, phone number, and SNS account information. The investment propensity information may selectively include target return rate information and preferred investment period information.

The investment participation intention check result information may include information indicating that there is a willingness to participate in the investment for the secured loan.

The check result information of the intention to participate in the collateralization of the collateral may include information indicating whether the collateral is willing to purchase the collateral when the collateralization is executed. The check result information of the intention to participate in the collateralization of collateral may include information indicating whether there is a desire to be preferentially notified when the collateralization is executed. The check result information of the intention to participate in the collateralization of money may optionally include price information, quantity information, and purchase condition information of the collateral for which the intention is to be purchased.

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

At this time, the informal investment judgment information may be set to be different in the type of information that can be viewed according to the level of the investor. For example, informal investment judgment information may be set differentially between general members, expert members, special members, and VIP members.

Here, setting the types of information that can be viewed according to the investor's grade for the unstructured investment judgment information is to provide practical assistance to the investment in consideration of the propensity of the investor.

For example, general members may lack expert knowledge about investments compared to expert members. Therefore, if too professional information is listed, the general members increase the confusion about the investment information, resulting in a psychological barrier. On the contrary, if too general information is listed in the case of an expert member, it will result in not giving psychological credibility to the investment information. Therefore, it is possible to determine whether or not to invest without providing psychological burden on the investment information by providing plain types of information to general members in accordance with the eye level of general members. Likewise, by providing in-depth types of information to expert members at the eye level of expert members, it is possible to judge whether to invest effectively by providing an opportunity for careful review of the relevant investment information.

In addition, by providing more detailed information to special members or VIP members, it is possible to provide synchronization for specialized membership for paid members.

At this time, the financial technology service device 100 may communicate with the first information terminal 400 to proceed with the investment attraction after payment of the platform usage fee is completed.

When the financial technology service device 100 is in the process of attracting investment or when there is a request to cancel the security loan proceeding from the first information terminal 400 after the completion of the investment attraction, the deposited investment funds and platform usage fees are designated in the investment application information. It is possible to perform a process of refunding investment funds and platform usage fees for refund processing to the investor's account (S60). However, the present invention is not limited to this, and the process of refunding the investment fee and the platform fee may be selectively applied or omitted according to the service policy.

The financial technology service device 100 performs a loan payment, interest payment, and investment profit payment process when the investment attraction is normally completed (S70).

To this end, the financial technology service device 100 may perform a loan payment, interest payment, and investment return payment process through a financial service performed by the affiliated financial institution 3 through communication with the financial support server 300.

To this end, the financial support server 300 pays the loan to the loan applicant 4, which is approved by the affiliated financial institution 3 by the P2P-based financial technology service company 1 to execute the loan, and then the loan applicant 4 ) To process and communicate various data and electronic signals necessary to perform interest payment or principal repayment procedure regularly or irregularly.

In addition, the financial support server 300 periodically or irregularly pays an investment return, such as interest on the investment, to the investor 5 in which the affiliated financial institution 3 deposits the investment.

In addition, the financial technology service device 100 may communicate with the storage support server 600 to perform a management and risk management process for the transferred intellectual property (S80). Here, the risk management process may include a collateralization process.

In addition, the financial technology service device 100 may periodically or irregularly evaluate the collateral value of the collateral, and when the collateral value is lowered, may transmit an additional collateral deposit message to the first information terminal 300. In addition, the financial technology service device 100 manages risks through counter-trading or disposing of collateral intellectual property that is stored when collateral additional deposit is not made and collateral value continues to decline despite the transmission of the collateral additional deposit message. You can run the process. Such a series of processes for cashing collateral in storage is called a process of cashing collateral. The collateralization process is performed when the collateral is subject to the collateralization requirements.

The financial technology service device 100 may perform a loan date expiration processing process when the loan due date is reached (S90).

To this end, the financial technology service device 100 transmits a loan expiration notice message to the first information terminal 400 when the loan expiration date arrives, and transfers the name if it is determined that the loan amount is not repaid so that the expiration date of the loan expires. Process, the process of transferring rights to the collateral can be carried out, and the process of closing the sale of the collateral can be performed.

Meanwhile, when the repayment of the loan is completed, the financial technology service device 100 may perform a collateral release processing process (S100).

To this end, the first information terminal 400 requests the collateral return processing to the financial technology service device 100 and performs a collateral release process to complete collateral return through confirmation of collateral authentication.

5 is a flowchart illustrating a loan demand prediction investigation process in a P2P intellectual property collateralized loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 5, the financial technology service device 100 may generate demand prediction request information in order to aggregate investmentable funds to be invested in intellectual property security loans using a demand prediction P2P platform according to a loan demand prediction investigation process. (S31). The loan demand prediction investigation process may be performed by a request from the first information terminal 400, or may be performed by default setting of the loan examination process performed by the financial technology service device 100.

Here, the demand prediction request information may be generated based on the collateral loan application information for applying for a loan by using the intellectual property that the financial technology service device 100 receives and stores from the first information terminal 400 as collateral. .

In addition, the investable fund aggregate check information includes the evaluation result data, the collateral value calculation result information, the value growth possibility information of the intellectual property, the risk of the intellectual property collateral received from the advisory support server 200 by the financial technology service device 100 It can be generated based on management information.

The evaluation result data for the intellectual property collateral is generated after the advisory support server 200 receives a request signal for evaluating the intellectual property collateral from the financial technology service device 100 and performs evaluation on the intellectual property collateral, and then the financial technology service device (100).

The collateral value result information is generated by calculating the collateral value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100 by the advisory support server 200 and is provided to the financial technology service device 100 Can be.

The value growth potential information of the intellectual property is generated by the advisory support server 200 executing various scenario access processes for the intellectual property.

The risk management information is generated for the intellectual property requested by the advisory support server 200. Risk management information is generated by evaluating the value of collateral for the intellectual property requested for evaluation through data and analysis techniques. The risk management information may include information on changes in the mortgage ratio that are identified in real time.

Accordingly, the financial technology service device 100 may transmit the demand prediction request information for counting the investmentable funds to the second information terminal 500 (S32).

The demand prediction request information may include information about the intention to participate in the investment in order to determine whether or not the intention to participate in the investment for the loan for the secured intellectual property is made. In addition, the demand prediction request information may include information on the intention to participate in the collateralization of the collateral to determine whether there is a willingness to participate in the purchase of the collateral. In addition, the demand forecast request information includes information on the application of collateral loan for forecasting demand, evaluation result data on collateral for intellectual property, information on the result of collateral value calculation, and value growth of intellectual property so that the investor (5) can refer to the decision to participate in investment. Likelihood information, risk management information, or recruitment amount information may be included.

Thereafter, the financial technology service device 100 receives demand prediction result information from the second information terminal 500 in operation S33.

Demand prediction result information may include investor information, investment participation intention check result information, collateralization participation intention check result information, and investment fund information. Here, the investor information may include the type of the investor who participated in the demand prediction survey, the job category of the investor who participated in the demand prediction survey, the company information that participated in the demand prediction survey, preferred intellectual property information, contact information, and investment propensity information. The contact information may include email, phone number, and SNS account information. The investment propensity information may include target return rate information and preferred investment period information.

The investment participation intention check result information may include information indicating that there is a willingness to participate in the investment for the secured loan.

The check result information of the intention to participate in the collateralization of the collateral may include information indicating whether the collateral is willing to purchase the collateral when the collateralization is executed. The check result information of the intention to participate in the collateralization of collateral may include information indicating whether there is a desire to be preferentially notified when the collateralization is executed. The check result information of the intention to participate in the collateralization of the collateral may include price information, quantity information, and purchase condition information of the collateral for which the intention is to be purchased.

The investment fund information may include investment fund amount, investment period, and investment type information. The investment type information may include interest income investment, equity participation investment, interest income and equity participation investment. The financial technology service device 100 stores demand prediction result information.

The financial technology service device 100 determines whether the recruitment amount is satisfied based on the demand prediction result information (S34). According to the result of the determination, the financial technology service device 100 transmits loanable guide information to the first information terminal 400 when the recruitment amount is satisfied (S35).

On the other hand, the financial technology service device 100 transmits a message indicating that the loan is not possible to the first information terminal 400 when the recruitment amount is not satisfied according to the determination result (S26).

6 is a flow chart for explaining whether or not the collateral availability authentication process in the P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the first information terminal 400 transmits to the financial technology service device 100 authentication request information on whether or not the security is possible for the loan request for collateral for intellectual property (S21). To this end, the financial technology service device 100 may provide menu screen information to the first information terminal 400 to allow the first information terminal 400 to request collateral availability authentication. Accordingly, the first information terminal 400 may complete a request for authentication of security availability based on an intellectual property security loan application from a menu displayed on screen information provided by the financial technology service device 100.

The financial technology service device 100 transmits the collateral evaluation request information for the intellectual property collateral loan application to the advisory support server 300 (S22).

The collateral evaluation request information is request information to inquire whether the intellectual property can be collateralized for an application for a collateral for collateral for intellectual property. The collateral evaluation request information may be transmitted to the advisory support server 200 by the financial technology service device 100, but the present invention is not limited thereto. The collateral evaluation request information may be directly transmitted from the financial technology service device 100 to the certified financial institution server handling the intellectual property without going through the advisory support server 200.

The financial technology service device 100 receives the collateral evaluation decision information for the non-cash assets from the advisory support server 200 (S23). In another embodiment of the present invention, the collateral evaluation request information may be transmitted to the financial technology service device 100 directly from the certified financial institution server handling the relevant intellectual property without going through the advisory support server 300.

The financial technology service device 100 determines whether it is possible to secure the collateral for executing the collateral loan on the intellectual property from the determination information of the collateral for the intellectual property (S24). When it is determined that the security is possible, the loanable information is transmitted to the first information terminal 400 (S25).

If it is determined that collateral is impossible from the collateral evaluation decision information about the intellectual property (S24), the financial technology service device 100 transmits the loan-disabled information to the first information terminal 400 (S26).

7 is a flowchart for explaining a secured loan advance process in a P2P intellectual property secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits the collateral acceptance request information to the financial technology service device 100 for the pre-process of collateral loan for intellectual property (S41). To this end, the financial technology service device 100 may provide menu screen information to the first information terminal 400 to allow the first information terminal 400 to request collateral for intellectual property. Accordingly, the first information terminal 400 may complete the receipt of the collateral for the intellectual property from the menu displayed on the screen information provided by the financial technology service device 100.

Accordingly, the first information terminal 400 may access the integrated computer network to perform a redemption conditional knowledge property transfer process (S42). For the repurchase conditional knowledge property transfer process, the first information terminal 400 may access the integrated computer network to perform the corresponding process.

The first information terminal 400 transmits the completion information of the redemption condition contract to the financial technology service device 100 (S43). To this end, the financial technology service device 100 may provide menu screen information to the first information terminal 400 to enable the first information terminal 400 to transmit the completion information of the redemption condition contract. Accordingly, the first information terminal 400 may transmit the completion information of the purchase agreement contract from the menu displayed on the screen information provided by the financial technology service device 100. Here, the screen information provided by the financial technology service device 100 may include redemption terms and conditions agreement information, and agreement confirmation information. In this case, the repurchase condition is that if the requested procedure such as interest payment established for the loan is not followed or the value of the relevant intellectual property falls below the collateral price after the loan is made as collateral for the intellectual property. May include repurchase conditions for intellectual property to disperse risk factors for investors.

8 is a view for explaining a collateralized monetization process in a P2P intellectual property collateralized loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 8, when the financial technology service device 100 approaches or satisfies the collateralization requirement for collateralization, the collateralization notification message including the payment guidance of the maintenance margin for maintaining the collateral is first The information is transmitted to the terminal 400 (S81). The requirement to implement collateralized monetization may include basically falling the value of the collateral below the collateral maintenance line.

If it is determined that the maintenance margin has not been paid so that the predetermined date has elapsed, the financial technology service device 100 starts the process of monetizing the collateral (S82).

The financial technology service device 100 transmits guide information capable of participating in the monetization of collateral to the second information terminal 500 corresponding to the priority investor information obtained through the demand prediction survey (S83).

First, investor information can be obtained from demand forecast result information secured during demand forecast investigation. Demand prediction result information includes investor information, investment participation intention check result information, collateralization in cash intention check result information, and investment fund information.

Investor information may include contact information of the investor. The contact information may include email, phone number, SNS account information, preferred intellectual property information, and investment propensity information. The investment propensity information may include target return rate information and preferred investment period information. Accordingly, the financial technology service device 100 may transmit information capable of participating in the collateralization of the collateral to the second information terminal 500 based on the contact information of the preferred investors secured based on the result of the intention to participate in the collateralization of the collateralization. Participating in the collateralization of collateral here means buying collateral.

The information on the result of the intention to participate in the collateralization of collateral is information indicating whether the collateral is willing to purchase the collateral when the collateralization is carried out. It includes price information, quantity information, and purchase condition information of collateral.

The financial technology service device 100 first receives request information for participation in the collateralization of collateral from the second information terminal 500 of the investor (S84).

Participation request information may include information that informs the intention to purchase the collateral when the collateral is monetized, price information, quantity information, and purchase condition information of the collateral with the intention to buy.

The financial technology service device 100 first performs a selling process for the collateral based on the participation request information received from the investor's second information terminal 500 (S85). The sale process can be used by appropriately adopting various collateralization processes. When the sale process is completed and the collateral is cashed, the remaining balance is returned to the lender, excluding the amount to be returned to the investor.

9 is a diagram for explaining a loan due date expiration notification process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 9, the financial technology service device 100 transmits a loan expiration notice message to the first information terminal 400 when the loan is due (S91).

If it is determined that the financial technology service device 100 is in the unpaid state of the loan amount so that the expiration date of the loan is due, the transfer process of the name is performed (S92). To this end, the financial technology service device 100 transmits a request signal for transfer of the name to the financial support server 300.

The financial technology service device 100 proceeds to transfer the rights to the intellectual property collateral when the process of transferring the title to the collateral is completed (S93). To this end, the financial technology service device 100 may transmit a request signal to transfer the right to the financial support server 300.

The financial technology service device 100 proceeds with the sale signing process for the collateral when the right transfer process for the collateral for intellectual property is completed (S94). Through this, the financial technology service device 100 is completed to sell the intellectual property collateral.

In the embodiment of the present invention, the P2P intellectual property secured loan financial technology service method of executing a loan to a loan applicant by using the intellectual property as collateral has been described in detail.

It also explained how to collect loans from investors who want to invest their own cash assets through crowdfunding and execute loans to loan applicants.

However, in one embodiment of the present invention, some of the descriptions of the conventional procedure of intellectual property security loan, P2P loan, and crowdfunding and data and electronic signals for performing the procedure may be omitted. P2P intellectual property mortgage loan financing of the present invention, even if not specifically described, as it can be selected and implemented in various ways by conventional procedures and data and electronic signal processing, if you have knowledge in the relevant fields. It can be seen that any number of technical service methods can be implemented.

In addition, in one embodiment of the present invention, the intellectual property security loan application information includes the type of intellectual property, the desired amount of loan, and the intellectual property investment reliability evaluation grade, wherein the intellectual property investment reliability evaluation grade is the intellectual property transaction information of the loan applicant In the case of an evaluation grade calculated by combining the first evaluation grade based on the absolute profit calculated by reflecting the return rate according to and the second evaluation grade based on the relative profit base calculated by linking the fluctuation rate of market information to the first evaluation grade It was explained.

Accordingly, in another embodiment of the present invention, a P2P collateralized loan financial technology service method may be performed by applying an intellectual property investment reliability evaluation based on the performance of intellectual property investment. In other words, the investment performance based on absolute profit-based investment performance calculated on the basis of information on the sale and sale of intellectual property, such as an expert investor in intellectual property, and the relative profit-based investment performance calculated by linking the composite index, industry index, sales standards, and similar company information Taking into account, the evaluation grade for evaluating the reliability of knowledge subject's investment in intellectual property is calculated to determine the financial transaction limit in case of lending or investing in intellectual property, and based on this, P2P secured loan financial technology service can be performed.

To this end, the financial service device according to an embodiment of the present invention is rated based on absolute and relative returns of a professional investor who wishes to borrow from the loan limit calculation method for evaluating the reliability of intellectual property investment based on the performance of intellectual property investment. This can be calculated.

It is possible to measure the success or failure of the investment and the probability of success in the future, based on the past trading history made by professional investors who wish to borrow. And the more data you have, the higher your confidence in the rating will be. This part represents the absolute return-based investment performance.

However, when the relative return based investment performance is reflected along with the absolute return based investment performance, the meaning of evaluating the reliability of intellectual property investment in the P2P intellectual property security loan financial technology service method is properly implemented, and additional loans by professional investors who wish to borrow The amount can be calculated precisely.

Although the embodiments according to the present invention have been described above, they are merely exemplary, and those skilled in the art will understand that various modifications and equivalent ranges of the embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined by the following claims.

Claims (2)

Receiving, by the financial technology service device, the intellectual property collateral loan application information for applying for a P2P collateral loan using the intellectual property as collateral from the first information terminal;
The financial technology service device performing a loan examination based on the intellectual property security loan application information;
If there is a difference between the value of the collateral at the time of the loan and the value of the collateral at the time of the loan expiration, the investor invested in the investment product to further allocate to the investor a portion of the profit that the lender applicant will obtain due to the difference Determining an allocation ratio, a loan amount, and a loan interest rate on the condition of returning the investment money of the investor to the corresponding investor, and further distributing a portion of the difference in value to the investor who invested in the investment product made based on the collateral;
The financial technology service device opens an investment product based on the intellectual property collateral loan application information received from the first information terminal through communication with the financial support server, and provides collateral information, investment judgment information, and loan condition information. Displaying investment product information to perform investment attraction;
The financial technology service device receives an investment fund of an investor investing in an investment product corresponding to the investment product information from the second information terminal, and performs a P2P collateral loan using the intellectual property as a collateral, and an account designated in the loan application information Remitting the loan and performing the interest payment and investment return payment process based on the secured loan; And
When the financial technology service device returns the investment of the investor who invested in the investment product to the corresponding investor when the loan expires, and there is a difference between the value of the collateral at the time of the loan and the value of the collateral at the time of the loan expiration, the And the step of further allocating a portion of the difference in value to investors who have invested in the investment product at a predetermined allocation ratio.
The additional allocation to the investors,
Dispose of the intellectual property set as the collateral, and return the investor's investment in the investment product to the investor, and realize the return corresponding to the investor's share of the remaining amount excluding the invested money returned from the disposal amount, A method of providing P2P intellectual property collateralized financial technology, which includes the allocation of an investor from a loan applicant in consideration of the interest rate of the investor for the intellectual property set as the collateral.
A data storage unit storing collateral loan application information, investment product information, and investment application information including intellectual property information and loan condition information provided as collateral received from the first information terminal; And
From the first information terminal, the intellectual property collateral loan application information for applying for a P2P collateral loan using the intellectual property as collateral is received, and a loan examination is performed based on the received intellectual property collateral loan application information, and at the time of the loan If there is a difference between the value of the collateral and the value of the collateral at the time of the loan expiration, the investment amount of the investor who invested in the investment product to further allocate to the investor a portion of the profit that the lender applicant obtains due to the difference To the relevant investor, and to allocate the portion of the difference in value to the investor who invested in the investment product made based on the collateral, to determine the allocation ratio, loan amount, and loan interest rate, Open an investment product based on the intellectual property security loan application information received from the information terminal, display investment product information including collateral information, investment judgment information, and loan condition information to perform investment attraction, and a second information terminal Deposits the investment money of the investor who invests in the investment product corresponding to the investment product information from, and conducts a P2P collateral loan using the intellectual property as collateral, transfers the loan to the account specified in the loan application information and interest based on the collateral loan Performs the payment and investment proceeds payment process, and when the loan expires, the investor's investment in the investment product is returned to the relevant investor, and the value of the collateral at the time of the loan differs from the value of the collateral at the time of the loan's expiration If present, includes a processor that additionally allocates a portion of the difference in value to investors who have invested in the investment product at a predetermined allocation ratio,
The processor is further allocated to the investor,
By disposing of the intellectual property set as the collateral, the investor's investment in the investment product is returned to the relevant investor, and for the remaining amount excluding the invested money returned from the disposal amount, the profit corresponding to the investor's share is realized or , Financial technology service device that allocates additionally by making the investor purchase from the loan applicant in consideration of the interest rate of the investor for the intellectual property set as the collateral.

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