KR102169728B1 - Peer to peer investment mediating system - Google Patents

Abstract

Various embodiments of the present invention relate to a P2P investment brokerage system. According to various embodiments of the present invention, a P2P investment brokerage system includes a loan applicant device each used by at least one loan applicant, an investor device each used by at least one investor, and a peer to peer (P2P) providing a brokerage platform. Including, the P2P investment brokerage server, obtains collateral information and platform usage fee application information from the loan applicant device through the brokerage platform, calculates a collateral evaluation index based on the collateral information, and the Generates collateral evaluation information based on the calculated collateral evaluation index, and provides the collateral information, the collateral evaluation information, and P2P private equity information related to the at least one loan applicant to the investor device through the brokerage platform, When obtaining a first platform usage fee from the at least one investor, a second platform usage fee is paid to the at least one loan applicant through the intermediary platform, and through the intermediary platform, a loan from the at least one loan applicant Interest corresponding to the interest rate may be paid, and a return corresponding to the return on investment may be paid to the at least one investor. Other embodiments may be possible.

Description

P2P investment brokerage system {PEER TO PEER INVESTMENT MEDIATING SYSTEM}

The present invention relates to a P2P investment brokerage system, and in particular, to a P2P investment brokerage system capable of minimizing the investment risk of an investor in peer to peer (P2P) investment.

P2P lending (PEER TO PEER LENDING) is a kind of crowdfunding. Individuals borrow and receive funds through online platforms without going through financial institutions such as banks. It is also called social theory in that loans are made using social network services (SNS). In P2P loans, when a loan applicant applies for a loan on a platform such as a website that provides P2P services, a large number of investors lend funds in general and earn interest for a set period.

Unlike lenders, peer-to-peer loans allow people with money to choose who they want to lend to and how much to lend to that person. In this process, P2P lenders open credit information to investors to recruit investments. And on the repayment date, the principal including a certain interest is returned to the investor.

1 is a diagram showing a conceptual diagram for a conventional P2P loan.

Referring to FIG. 1, when a borrower applies for a loan through a P2P company platform, investors select a specific borrower from among borrowers provided by the P2P company platform to apply for investment. In addition, the investor remits the investment to the P2P platform for investment. The P2P company platform requests the lender to handle the loan when the borrower and the investor match. The P2P platform pays the purchase price of principal and interest receivables, which is the right to receive principal and interest, to the lender, and the lender makes a P2P loan by making a loan to borrowers based on the principal and interest receivable.

According to the P2P loan service as described above, there is a problem that the number of products that can be invested is limited because investors are only matched one-to-one with each borrower through the P2P platform, and investment is made only based on the borrower's credit information. There was a problem with high risk of loss.

Korean Patent Registration No. 10-0875246

The present invention was devised to solve the above problems, and by providing an opportunity to invest using a P2P private equity fund, it is possible to make more efficient investment and to minimize the investment risk of investors in loans by providing collateral evaluation information. Its purpose is to provide a P2P investment brokerage system that can be used.

According to various embodiments of the present invention, a P2P investment brokerage system includes a loan applicant device each used by at least one loan applicant, an investor device each used by at least one investor, and a peer to peer (P2P) providing a brokerage platform. Including, the P2P investment brokerage server, obtains collateral information and platform usage fee application information from the loan applicant device through the brokerage platform, calculates a collateral evaluation index based on the collateral information, and the Generates collateral evaluation information based on the calculated collateral evaluation index, and provides the collateral information, the collateral evaluation information, and P2P private equity information related to the at least one loan applicant to the investor device through the brokerage platform, When obtaining a first platform usage fee from the at least one investor, a second platform usage fee is paid to the at least one loan applicant through the intermediary platform, and through the intermediary platform, a loan from the at least one loan applicant An interest corresponding to the interest rate is paid and a return corresponding to the investment return is paid to the at least one investor, the collateral information includes at least one of information related to real estate and information related to animals and plants, and the collateral evaluation index is an article It may include at least one of a ratio of a price increase keyword and a price decrease keyword calculated by extracting the keyword from the big data related to, and the survival index of animals and plants.

The P2P investment brokerage system according to the present invention as described above can provide accurate and predictable collateral evaluation information to investors by evaluating collateral based on the ratio of the price increase keyword and the price decrease keyword and the survival index of animals and plants.

In addition, the P2P investment brokerage system according to the present invention can minimize the investor's investment risk by providing collateral evaluation information evaluated according to the collateral information obtained from the loan applicant to the investor.

In addition, the P2P investment brokerage system according to the present invention can provide a product with higher investment value to investors by providing a P2P private equity fund including a plurality of investment products by receiving investment products from other P2P companies.

In addition, the P2P investment brokerage system can provide investors with an investment return corresponding to a stable loan interest rate by receiving platform usage fees from investors, paying platform usage fees to loan applicants, and receiving interest corresponding to the loan interest rate.

In addition, the P2P investment brokerage system can improve transparency by the management team regularly monitoring the platform and P2P private equity products.

In addition, the P2P investment brokerage system may directly source products eligible for investment from P2P companies for investment and operation.

In addition, the P2P investment brokerage system can provide a P2P private equity fund composed of only high-quality assets by receiving investment product information from P2P companies with higher positions in the industry.

1 is a conceptual diagram for a conventional P2P loan.
2A is a block diagram showing a P2P investment brokerage system according to an embodiment of the present invention.
2B is an exemplary diagram showing a P2P investment brokerage system according to an embodiment of the present invention.
3 is a flowchart illustrating a P2P investment brokerage method according to an embodiment of the present invention.
4 is an exemplary diagram illustrating a method of generating collateral evaluation information related to real estate according to an embodiment of the present invention.
5 is a flowchart illustrating a method of generating collateral evaluation information related to an animal and plant survival index according to an embodiment of the present invention.
6 is an exemplary view for explaining a method of updating an animal and plant survival index according to a collateral change according to an embodiment of the present invention.
7 is a flowchart illustrating a method of updating collateral evaluation information according to the passage of a reference period according to an embodiment of the present invention.
8 is an exemplary view illustrating a method of obtaining new collateral information according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in describing an embodiment of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. In addition, terms to be described later are terms defined in consideration of the functions of the present invention, which may vary according to the intention or custom of users or operators. Therefore, the definition should be made based on the contents throughout this specification.

A preferred embodiment of the P2P investment brokerage system according to the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in a variety of different forms. However, this embodiment is intended to make the disclosure of the present invention complete and the scope of the invention to those of ordinary skill in the art. It is provided to inform you.

Various embodiments of the present document may be implemented as software (eg, programs) including instructions stored in a machine-readable storage media (eg, a computer). The device is a device capable of calling a stored command from a storage medium and operating according to the called command, and may include an electronic device (eg, a server) according to the disclosed embodiments. Instructions may include code generated or executed by a compiler or interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here, "non-transitory" means that the storage medium does not contain signals and is tangible, but does not distinguish between semi-permanent or temporary storage of data in the storage medium.

According to an example, the method according to various embodiments disclosed in the present document may be provided by being included in a computer program product. Computer program products can be traded between sellers and buyers as commodities. The computer program product may be distributed online in the form of a device-readable storage medium (eg, compact disc read only memory (CD-ROM)) or through an application store (eg, Play StoreTM). In the case of online distribution, at least a portion of the computer program product may be temporarily stored or temporarily generated in a storage medium such as a server of a manufacturer, a server of an application store, or a memory of a relay server.

Each of the constituent elements (eg, a module or a program) according to various embodiments may be composed of a singular or a plurality of entities, and some sub-elements among the aforementioned sub-elements are omitted, or other sub-elements are It may be further included in various embodiments. Alternatively or additionally, some constituent elements (eg, a module or a program) may be integrated into one entity, and functions performed by each corresponding constituent element prior to the consolidation may be performed identically or similarly. Operations performed by modules, programs, or other components according to various embodiments are sequentially, parallel, repetitively or heuristically executed, or at least some operations are executed in a different order, omitted, or other operations are added. Can be.

2A is a block diagram showing a P2P investment brokerage system according to an embodiment of the present invention. 2B is an exemplary diagram showing a P2P investment brokerage system according to an embodiment of the present invention.

Referring to Figure 2a, the P2P investment brokerage system according to an embodiment of the present invention is a P2P investment brokerage server 100, a loan applicant device 200, an investor device 300, a P2P company server 400, and input/output detection It may be made of a sensor 500. In addition, the P2P investment brokerage server 100, the loan applicant device 200, the investor device 300, the P2P company server 400, and the deposit/exit detection sensor 500 may be communicated with each other through a network. Here, the network may include a wireless network and a wired network. For example, the network may be a short-range communication network (e.g., Bluetooth, WiFi direct, or IrDA (infrared data association)) or a telecommunication network (e.g., a cellular network, the Internet, or a computer network (e.g., LAN or WAN)). have. Meanwhile, among the above configurations, the P2P company server 400 and the input/output detection sensor 500 may be omitted according to embodiments.

Referring to FIG. 2B, in an embodiment, the P2P investment brokerage server 100 allows an investor to pay a first platform usage fee (eg, investment) and a loan applicant to receive a second platform usage fee (eg, loan). Can provide an intermediary platform. In addition, the P2P investment brokerage server 100 may receive interest corresponding to the loan interest rate from the loan applicant through the brokerage platform, and may provide a return corresponding to the return on investment to the investor. Meanwhile, the intermediary platform may include a web page or a dedicated app application that can be used by loan applicants, investors, and other P2P companies. In addition, the P2P investment brokerage server 100 provides investment products corresponding to each loan applicant (eg, a business operated by a loan applicant) and a P2P private equity fund containing investment products received from other P2P companies through a brokerage platform. Can be provided to. In addition, the P2P investment brokerage server 100 may evaluate the collateral provided by the loan applicant through the brokerage platform, and may provide collateral evaluation information to the investor.

In one embodiment, the P2P investment brokerage server 100 may include a control unit 110 and a database 120. The control unit 110 may manage loan applicant information, investor information, investment product information, etc., may generally control various operations related to P2P investment, and may generally control an intermediary platform. The database 120 may store loan applicant information, investor information, and investment product information as a database, and store big data in which a plurality of articles related to real estate are accumulated.

In an embodiment, the loan applicant device 200 may be a device used by at least one loan applicant, and the investor device 300 may be a device used by at least one loan applicant, and the P2P company device 400 May be a device used by at least one P2P company. The loan applicant device 200, the investor device 300, and the P2P company device 400 may use an intermediary platform or may be installed devices.

In one embodiment, the loan applicant device 200, the investor device 300, and the P2P company device 400 are, for example, a smartphone, a tablet personal computer (PC), a mobile phone. ), video phone, e-book reader, desktop PC, laptop PC, netbook computer, workstation, server, PDA (personal) It may include at least one of a digital assistant), a portable multimedia player (PMP), an MP3 player, a mobile medical device, a camera, or a wearable device.

In an embodiment, the input/output detection sensor 500 may be located in a storage location of animals and plants corresponding to the collateral of the loan applicant. Here, the storage location may include various storage locations such as a farm, a warehouse, and the like, and the input/output detection sensor 500 is installed at the entrance of the storage location to detect the stocking and shipment of animals and plants. The entry/exit detection sensor 500 may include, for example, a camera and an infrared sensor.

3 is a flowchart illustrating a P2P investment brokerage method according to an embodiment of the present invention. The operations of FIG. 3 may be performed by the P2P investment brokerage server 100 of FIG. 2A.

Referring to FIG. 3, in an embodiment, in operation 31, the P2P investment brokerage server 100 may obtain collateral information and platform usage fee application information from the loan applicant device 200 through the brokerage platform. For example, the collateral information may include information related to real estate and animals and plants, and the platform usage fee application information includes the basic personal information of the loan applicant, basic business information in the case of a business, information on the business being operated, and credit information. , May include the required second platform usage fee (eg, loan). Meanwhile, information related to real estate will be described in detail later in FIG. 4, and information related to animals and plants will be described later in detail in FIG. 5.

In an embodiment, the P2P investment brokerage server 100 may calculate a collateral evaluation index based on the collateral information in operation 32. For example, the collateral evaluation index may include a ratio of a price increase keyword and a price decrease keyword calculated by extracting keywords from big data related to an article. In addition, the collateral evaluation index may include the survival index of animals and plants. Details will be described later in FIGS. 4 and 5.

In an embodiment, in operation 33, the P2P investment brokerage server 100 may generate collateral evaluation information based on the collateral evaluation index. For example, the collateral evaluation information may include information on an increase or decrease in the price of real estate, information on future value according to the survival index of animals and plants. Details will be described later in FIGS. 4 and 5.

In an embodiment, in operation 34, the P2P investment brokerage server 100 may provide collateral information, collateral evaluation information, and P2P private equity information related to at least one loan applicant to the investor device through the brokerage platform. For example, the P2P private equity fund information may include a plurality of investment products respectively corresponding to a plurality of loan applicants.

Meanwhile, although not shown in the drawings, in an embodiment, the P2P private equity information may include information on investment products of other P2P companies. For example, the P2P investment brokerage server 100 may receive at least one investment product information from the P2P company device 400, received at least one investment product information, pre-stored investment product information, and at least one P2P private equity information may be generated based on investment product information related to the loan applicant, and P2P private equity information may be provided to the investor device 300 through an intermediary platform.

In an embodiment, in operation 35, when the P2P investment brokerage server 100 obtains the first platform usage fee from at least one investor, the second platform usage fee may be paid to at least one loan applicant through the brokerage platform. . Here, the first platform usage fee may be investment money, and the second platform usage fee may be loan money. The first platform usage fee may be appropriately distributed according to a preset ratio to the investment products included in the P2P private equity fund, and at least one loan applicant is the second platform usage fee that is the sum of the first platform usage fees paid from a plurality of investors. Can be paid.

In an embodiment, the P2P investment brokerage server 100 may receive interest corresponding to the loan interest rate from at least one loan applicant through the brokerage platform in operation 36, and provide a return corresponding to the return on investment to at least one investor. You can pay.

On the other hand, although not shown in the drawing, according to an embodiment of the invention, the P2P private equity product included in the P2P private equity information is based on the document review of the loan applicant, the capability evaluation of the loan applicant (e.g., business owner), and physical/accounting/ It can be decided after legal/appreciation evaluation and final deliberation by 5 expert members.

For example, in the case of individual PF bonds, the brokerage company operating the P2P brokerage server 100 may directly manage the funds after setting the investment within the amount that can be loaned out after completion of the project after construction. For example, the project can be executed after land purchase and licensing is completed after the start of construction at the project stage, and if the pre-sale rate is 0% taking into account the pre-sale risk, the available amount of collateral can be accurately estimated and the investment amount can be set below that. In terms of profit and recovery, you can visit the site and check the process rate and directly execute the funds to the subcontractor.

For example, in the case of real bonds, a brokerage company that operates the P2P brokerage server 100 can carry out a project after land purchase and license completion in terms of region/type, and consider the repayment risk and evaluate the maximum amount/appraisal. Based on the amount, LTV (loan to value ratio) can be set to 80.1% or less, and in terms of management and collection, bonds held until maturity can be repaid by launching a product in funding or selling a non-performing loan (NPL). .

For example, in the case of asset-backed bonds, a brokerage company that operates the P2P brokerage server 100 may establish a recovery strategy such as within 30% of LTV and the sale of NPL by securitizing assets that can come in short-term cash. . For example, among asset-backed bonds, franchise sales bonds may be securitized.

4 is an exemplary diagram illustrating a method of generating collateral evaluation information related to real estate according to an embodiment of the present invention. The operations of FIG. 4 may be performed by the P2P investment brokerage server 100 of FIG. 2A. The operations of FIG. 4 may be an embodiment in which operations 31 and 32 of FIG. 3 are embodied.

Referring to FIG. 4, in an embodiment, the P2P investment brokerage server 100 may obtain information related to the real estate in operation 41 to check at least one of a name, a location, and a price at a current time.

In an embodiment, the P2P investment brokerage server 100 may check a plurality of articles corresponding to information related to real estate during a specified set period based on big data related to articles stored in the database 120 in operation 42. . For example, the designated setting period may be appropriately set in consideration of the nature of the investment product. Here, the plurality of articles may be articles containing real estate related to the loan applicant (eg, articles related to Gangnam real estate). On the other hand, the P2P investment brokerage server 100 is the name of the real estate held by the loan applicant (for example, the name of the apartment in the case of an apartment, the name of the landmark closest to the land in the case of land, the "gu" to which the apartment or land belongs. Alternatively, articles including the names of administrative districts such as "city" or "dong") can be identified as articles related to real estate related to the loan applicant.

In an embodiment, in operation 43, the P2P investment brokerage server 100 may extract a price increase keyword and a price decrease keyword from a plurality of articles. For example, the keyword for price increase may include "Rise", "Rise", "Up", "Height", "High", and the like, and keywords that decrease price may include "Down", "Down", "Down", " May include "down".

In an embodiment, in operation 44, the P2P investment brokerage server 100 may calculate a ratio between a price increase keyword and a price decrease keyword. For example, it is possible to determine a ratio of a price increase keyword and a price decrease keyword from the total number of keywords mentioned in a plurality of articles.

In an embodiment, the P2P investment brokerage server 100 may generate collateral evaluation information based on the calculated ratio in operation 45. For example, the P2P investment brokerage server 100 may include positive information in the collateral evaluation information when the number of price increase keywords is higher than the number of price decrease keywords.

For example, if the ratio of the price increase keyword and the price decrease keyword is 6:4, the generated collateral evaluation information is the keyword ratio, the content that the price of real estate is predicted to rise, and the collateral value of the real estate according to the upward prediction Content, etc. may be included. Therefore, investors can make investments more safely.

5 is a flowchart illustrating a method of generating collateral evaluation information related to an animal and plant survival index according to an embodiment of the present invention. The operations of FIG. 5 may be performed by the P2P investment brokerage server 100 of FIG. 2A. The operations of FIG. 5 may be an embodiment in which operations 31 and 32 of FIG. 3 are embodied.

Referring to FIG. 5, in an embodiment, in operation 51, the P2P investment brokerage server 100 is the origin, type, sex, age (a), average life (p), growth period, number, storage location, storage At least one of the operator of the place and the price of the animal and plant at the current time can be checked. For example, the place of origin may be an area where animals and plants are first born, a growing period may be a stage in which animals and plants are grown according to types, and a storage place may be a place where a loan applicant keeps animals and plants.

In one embodiment, the P2P investment brokerage server 100, in operation 52, the weight of the origin (o), the weight of the type (t), the weight of the gender (s), age (a), the average life (p), storage Using the weight (d) of the place and the weight (g) of the growing season, the animal and plant survival index (L) can be calculated according to the following equation. It can be judged that the higher the animal and plant survival index (L), the higher the probability of survival of the animal and plant and the higher the collateral value.

[Equation]

In one embodiment, the animal and plant survival index L may be calculated as follows, and this is only an example, and thus may be calculated by various numerical values and calculations based on the above formula.

For example, the weight (o) of the place of origin may be a value evaluated based on the moving distance between the storage place and the place of origin. The greater the distance that animals and plants move to the storage area, the more they feel fatigue, which can affect their survival. Thus, for example, when the country of origin is domestic, the weight may be 0.5, and when the country of origin is overseas, the weight may be 1.

For example, the weight (t) of the kind may be a value evaluated based on the kind that general consumers can often purchase, and animals and plants with high demand may be classified according to grades and weighted. For example, cattle, chickens, and pigs may have a weight of 10 as a first grade, and animals and plants with very little demand may have a weight of 1 as a grade of 10.

For example, the gender weight (s) may be a value evaluated according to males and females, and since females can give birth to offspring, the female's weight may be 1, and the male's weight may be 0.5.

For example, age (a) may be an average age of animals and plants at the present time, and average life (p) may be an average according to types of animals and plants. The higher the difference value, the higher the likelihood of living longer. Therefore, the difference value obtained by subtracting the age (a) from the average lifespan (p) can be used as a weight.

For example, the weight d of the storage location may be a value obtained by evaluating the location and environment of the storage location. Weight can be given by how favorable the storage area is for the conservation of animals and plants.

For example, the weight (g) of the growing season may be a value evaluated according to the growing stage. Among animals and plants, the more difficult the nutrition and environment required in the growing season, the lower the weight can be, and the higher the weight of the animals and plants that can grow without much effort, the higher the weight can be given.

In an embodiment, the P2P investment brokerage server 100 may generate collateral evaluation information based on the survival index of animals and plants in operation 53. For example, the generated collateral evaluation information may include a survival index of animals and plants, a comment on the survival probability of animals and plants, and details on the collateral value of animals and plants according to the survival probability of animals and plants.

6 is an exemplary view for explaining a method of updating an animal and plant survival index according to a collateral change according to an embodiment of the present invention. The operations of FIG. 6 may be performed by the P2P investment brokerage server 100 of FIG. 2A.

Referring to FIG. 6, in an embodiment, in operation 61, the P2P investment brokerage server 100 may obtain a state of entering/exiting animals and plants from the detection sensor 500. For example, the detection sensor 500 may transmit the accumulated status of incoming and outgoing animals and plants to the P2P investment brokerage server 100 every predetermined period (three months).

In an embodiment, in operation 62, the P2P investment brokerage server 100 may compare a pre-designated collateral change condition and the state of receipt and delivery of animals and plants. For example, animals and plants may be stored in a storage place for a predetermined number or more, and the P2P investment brokerage server 100 may check the change in the number of stored individuals. Here, the pre-specified condition for changing the collateral may be a condition (e.g., a 1% increase or decrease in the number of individuals compared to the total) that the value of the collateral will increase (e.g., increase in number) or decrease (e.g., decrease in number) as the number of individuals fluctuates. There are, and can be set in a variety of criteria.

In an embodiment, in operation 63, the P2P investment brokerage server 100 may check whether the collateral status has changed as a result of comparing the pre-designated collateral change condition and the input/output status of animals and plants. For example, the change in the state of the collateral may be a decrease or increase in the value of the collateral, and the P2P investment brokerage server 100 has a change in the number of individuals to the extent that there is a possibility that the collateral value of animals and plants may drop or rise to a certain percentage or more (for example, 1%). You can check if there is. For example, if the number of animals has increased according to the status of entering and leaving animals and plants, and the increase in the number leads to an increase in the value of the collateral, the P2P investment brokerage server 100 may determine that the state of the collateral has changed.

In an embodiment, when it is determined that the state of the collateral has changed, the P2P investment brokerage server 100 may update the animal and plant survival index in operation 64. For example, the P2P investment brokerage server 100 may check factors included in the formula that are changed according to the changed number of individuals, and update the animal and plant survival index accordingly.

In an embodiment, in operation 65, the P2P investment brokerage server 100 may update the collateral evaluation information according to the updated animal and plant survival index. For example, the updated collateral evaluation information may include content on an increase or decrease in collateral value according to a change in the number of individuals.

In an embodiment, the P2P investment brokerage server 100 may provide the updated collateral evaluation information to the investor device 300 through the brokerage platform in operation 66. Of course, although not shown in the drawing, the P2P investment brokerage server 100 may provide the updated collateral evaluation information to the loan applicant device 200 as well, and the loan applicant may explain the collateral evaluation information.

On the other hand, although not shown in the drawing, when a change in factors included in the formula such as a change in the number of individuals, a change in a storage location, a change in types of animals and plants occurs, the P2P investment brokerage server 100 may update the survival index of animals and plants. have.

7 is a flowchart illustrating a method of updating collateral evaluation information according to the passage of a reference period according to an embodiment of the present invention. The operations of FIG. 7 may be performed by the P2P investment brokerage server 100 of FIG. 2A.

Referring to FIG. 7, in an embodiment, the P2P investment intermediary server 100 may set a specified reference period in operation 71. For example, the specified reference period may be 3 months, 6 months, or 1 year.

In an embodiment, in operation 72, the P2P investment brokerage server 100 may determine whether a specified reference period has passed.

In an embodiment, when the specified reference period has passed, the P2P investment brokering server 100 may update the ratio of the price increase keyword and the price decrease keyword or the animal and plant survival index in operation 73. For example, the P2P investment brokerage server 100 may calculate a ratio of a price increase keyword and a price decrease keyword or an animal and plant survival index at the present time.

In an embodiment, the P2P investment brokerage server 100 may update the collateral evaluation information in operation 74. For example, the updated collateral evaluation information may include information on the collateral value of real estate at the present time, and the collateral value of animals and plants.

In an embodiment, the P2P investment brokerage server 100 may provide the updated collateral evaluation information to the investor device 300 through the brokerage platform in operation 75.

8 is an exemplary diagram for explaining a method of obtaining new collateral information according to an embodiment of the present invention. The operations of FIG. 8 may be performed by the P2P investment brokerage server 100 of FIG. 2A.

Referring to FIG. 8, in an embodiment, the P2P investment intermediary server 100 may compare the acquired collateral information with the collateral reference condition in operation 81. For example, collateral-based conditions may include restrictions on the type of collateral (e.g., restrictions on species of animals and plants that have little demand), restrictions on the number, and restrictions on the location of real estate (e.g., for areas with little demand). Real estate).

In an embodiment, the P2P investment brokerage server 100 may determine whether a collateral reference condition is satisfied in operation 82.

In an embodiment, when the collateral criterion condition is not satisfied, the P2P investment brokerage server 100 may transmit a message requesting a collateral change to the loan applicant device in operation 83.

In an embodiment, the P2P investment brokerage server 100 may acquire new collateral information from the loan applicant device in operation 84.

According to various embodiments of the present invention, a P2P investment brokerage system includes a loan applicant device each used by at least one loan applicant, an investor device each used by at least one investor, and a peer to peer (P2P) providing a brokerage platform. Including, the P2P investment brokerage server, obtains collateral information and platform usage fee application information from the loan applicant device through the brokerage platform, calculates a collateral evaluation index based on the collateral information, and the Generates collateral evaluation information based on the calculated collateral evaluation index, and provides the collateral information, the collateral evaluation information, and P2P private equity information related to the at least one loan applicant to the investor device through the brokerage platform, When obtaining a first platform usage fee from the at least one investor, a second platform usage fee is paid to the at least one loan applicant through the intermediary platform, and through the intermediary platform, a loan from the at least one loan applicant An interest corresponding to the interest rate is paid and a return corresponding to the investment return is paid to the at least one investor, the collateral information includes at least one of information related to real estate and information related to animals and plants, and the collateral evaluation index is an article It may include at least one of a ratio of a price increase keyword and a price decrease keyword calculated by extracting the keyword from the big data related to, and the survival index of animals and plants.

According to various embodiments, the P2P investment brokerage server includes a database in which big data related to the article is stored, and the P2P investment brokerage server obtains the information related to the real estate to obtain the name, location, and current time of the real estate. Check at least one of the prices, check a plurality of articles corresponding to the information related to the real estate for a specified set period based on big data related to the article, and a price increase keyword and a price decrease keyword in the plurality of articles Is extracted, the ratio of the price increase keyword and the price decrease keyword may be calculated, and the collateral evaluation information may be generated based on the calculated ratio.

According to various embodiments, the P2P investment brokerage server updates the calculated ratio, updates the collateral evaluation information according to the updated ratio, and the updated collateral evaluation information when a specified reference period is exceeded. Can be provided to the investor device through the intermediary platform.

According to various embodiments, the P2P investment brokerage server obtains information related to the animals and plants, thereby obtaining the origin, type, sex, age (a), average life (p), growth period, number, storage location, storage location Of the operator, and at least one of the prices of animals and plants at the current time, and the weight of the origin (o), the weight of the kind (t), the weight of the sex (s), the age (a), the average lifespan (p), the animal and plant survival index (L) is calculated according to the following formula using the weight (d) of the storage location, and the growth period (g), and based on the animal and plant survival index (L) The collateral evaluation information may be generated.

According to various embodiments, the P2P investment brokerage server updates the calculated animal and plant survival index when a specified reference period is exceeded, and updates the collateral evaluation information according to the updated animal and plant survival index, and the update One collateral evaluation information may be provided to the investor device through the intermediary platform.

According to various embodiments, the P2P investment brokerage system further includes a sensor for detecting the entry and exit of animals and plants located at the storage location, and the P2P investment brokering server acquires the state of entry and exit of the animals and plants from the detection sensor, and predetermined The collateral change condition is compared with the state of entry/exit of the animals and plants to determine whether the collateral status has changed, and if it is determined that the collateral status has changed, the animal and plant survival index is updated, and the collateral evaluation information according to the updated animal and plant survival index May be updated, and the updated collateral evaluation information may be provided to the investor device through the intermediary platform.

According to various embodiments of the present disclosure, the detection sensor may transmit to the P2P investment intermediary server the accumulated state of entry/exit of animals and plants at each preset period.

According to various embodiments of the present disclosure, the P2P investment brokerage server provides the updated collateral evaluation information to the loan applicant device through the brokerage platform.

According to various embodiments, the P2P investment brokerage server compares the acquired collateral information with a collateral reference condition, and when the collateral corresponding to the acquired collateral information does not meet the collateral reference condition, the collateral change is performed. A request message may be transmitted to the loan applicant device.

According to various embodiments, the P2P investment brokerage system further includes a P2P company device, and the P2P investment brokerage server receives at least one investment product information from the P2P company device, and the received at least one investment product Generate the P2P private equity information based on information, previously stored investment product information, and investment product information related to the at least one loan applicant, and provide the P2P private equity information to the investor device through the intermediary platform. I can.

In the above, the present invention has been described by specific matters such as specific components and limited embodiments and drawings, but this is provided only to help a more general understanding of the present invention, and the present invention is limited to the above embodiments. No, a person having ordinary knowledge in the technical field to which the present invention pertains can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is limited to the above-described embodiments and should not be defined, and all modifications equivalent or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. will be.

100: P2P investment brokerage server
200: loan applicant device
300: investor device
400: P2P vendor device
500: In/out detection sensor

Claims (10)

Including; a peer to peer (P2P) investment brokerage server that provides a loan applicant device each used by at least one loan applicant, an investor device each used by at least one investor, and an intermediary platform, wherein the P2P investment intermediary server , Obtaining collateral information and platform usage fee application information from the loan applicant device through the intermediary platform, calculating a collateral evaluation index based on the collateral information, and generating collateral evaluation information based on the calculated collateral evaluation index, , When providing the collateral information, the collateral evaluation information, and P2P private equity information related to the at least one loan applicant to the investor device through the brokerage platform, and obtaining a first platform usage fee from the at least one investor , Paying a second platform usage fee to the at least one loan applicant through the brokerage platform, and receiving interest corresponding to the loan interest rate from the at least one loan applicant through the brokerage platform to the at least one investor Profit corresponding to the investment return is paid, and the collateral information includes information related to animals and plants and animal and plant survival index (L),
The P2P investment brokerage server,
Confirm at least one of the origin, type, sex, age (a), average life (p), growth period, number, storage location, operator of the storage location, and prices of animals and plants at the current time of the animal and plant,
The weight of the origin (o), the weight of the kind (t), the weight of the sex (s), the age (a), the average life (p), the weight of the storage place (d), and the growth period Calculate the animal and plant survival index (L) according to the following formula using the weight (g), and
Generates the collateral evaluation information based on the animal and plant survival index (L),
The P2P investment brokerage system further includes a sensor for detecting the entry and exit of animals and plants located in the storage location,
The P2P investment brokerage server,
Acquiring the state of entering and leaving the animals and plants from the detection sensor,
Determine whether or not the status of the collateral is changed by comparing the conditions for changing the collateral specified in advance with the status of the entry and exit of the animals and plants,
If it is determined that the collateral status has changed, the animal and plant survival index is updated,
Update the collateral evaluation information according to the updated animal and plant survival index,
And
P2P investment brokerage system, characterized in that providing the updated collateral evaluation information to the investor device through the brokerage platform .
[Equation]

delete delete delete The method of claim 1, wherein the P2P investment brokerage server,
When the specified reference period is exceeded, the calculated animal and plant survival index is updated,
Updating the collateral evaluation information according to the updated animal and plant survival index, and
P2P investment brokerage system, characterized in that providing the updated collateral evaluation information to the investor device through the brokerage platform.
delete The P2P investment brokerage system according to claim 1, wherein the detection sensor transmits the accumulated state of receipt and release of animals and plants at preset periods to the P2P investment brokerage server.
The P2P investment brokerage system of claim 1, wherein the P2P investment brokerage server provides the updated collateral evaluation information to the loan applicant device through the brokerage platform.
The method of claim 1, wherein the P2P investment brokerage server,
Compare the obtained collateral information and collateral reference conditions, and
When the collateral corresponding to the obtained collateral information does not meet the collateral standard condition, a message for requesting a collateral change is transmitted to the loan applicant device.
The method of claim 1, wherein the P2P investment brokerage system further comprises a P2P company device,
The P2P investment brokerage server,
Receiving at least one investment product information from the P2P company device,
Generating the P2P private equity information based on the received at least one investment product information, pre-stored investment product information, and investment product information related to the at least one loan applicant, and
P2P investment brokerage system, characterized in that providing the P2P private equity information to the investor device through the brokerage platform.

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