KR102185452B1 - System for managing account and investment of p2p lending platform using user ci code and method for managing the same - Google Patents

Abstract

Disclosed is a user account and investment management system and method using CI values. The present invention can improve user account management convenience by interlocking and integrated management of user accounts created on different websites for each user by using CI values that uniquely distinguish each user, and linking each account It is possible to improve the efficiency of the user's product investment management and investment management by managing the remittance using and prompting product investment according to the user's setting, and managing the deposit, interest repayment, and investment return according to the investment.

Description

User account management and investment management system of P2P loan platform using CI value and its method {SYSTEM FOR MANAGING ACCOUNT AND INVESTMENT OF P2P LENDING PLATFORM USING USER CI CODE AND METHOD FOR MANAGING THE SAME}

The present invention relates to a user account management and investment management system and method of a P2P loan platform using CI values, and more specifically, a different website for each user by using a CI value that uniquely identifies each user. It relates to a user account management and investment management system of a P2P loan platform and its method using CI values that link and integrate user accounts created in each other and manage the remittance and investment of products using the linkage of each account.

Recently, new types of financial technologies based on information technology (IT) such as mobile payment and remittance, personal asset management, and cloud funding have emerged.

With the rapid development of these network technologies and technologies related to mobile devices such as smartphones, unlike conventional financial services focusing only on product development, launch, and operation by financial institutions such as banks, various IT technologies are used. Forms of financial services began to emerge, and crowdfunding in particular began to attract attention as a new form of financing.

Crowdfunding is a funding method that publicly raises funds from the general public through the Internet, and returns the profits in the form of donations, products or services to be produced in the future, voting rights or monetary compensation for the invested shares. Is defined as.

Meanwhile, in recent years, the P2P lending business, a new type of financing method in which peer to peer lending is carried out through an online platform, has been in the spotlight worldwide, showing high growth.

In the case of such a P2P loan business, it can be defined as a loan type, one of several types of crowdfunding, and P2P loans are conducted in a way in which borrowers, P2P loan platforms, and lenders participate in the market.

Through the P2P loan platform, the borrower registers the desired amount, interest rate and repayment period, and investors register the appropriate loan interest rate and loan amount that they think of for individual borrowing applications, and the transaction is conducted in the form of a bid.

The P2P lending platform mediates investors and borrowers who supply funds online to receive brokerage fees, intermediaries between borrowers and investors, and evaluates credit against borrowers using a credit rating agency or social network service (SNS). Perform.

Through this, the borrowers who are unable to trade are screened out, and among the selected borrowers, individuals with mutual interests with investors are connected.

P2P loans as described above have advantages in terms of profitability, speed, and convenience. In terms of profitability, unlike existing financial companies, most transactions are made through the Internet, so offline sales networks and manpower are not required.

In addition, P2P loans have the advantage of providing low interest rate loans to lenders and high interest rate profits to investors by reducing the deposit margin due to relatively low transaction costs.

In addition, there is an effect of lowering the risk since the investor does not provide the full amount of investment to a specific lender, but distributes the investment to multiple lenders.

And, in terms of speed, it is a form of competitive bidding through the Internet, so it is possible for investors to review faster than existing low-income financial support institutions.

In addition, since it is unsecured and unguaranteed, it has the advantage of being able to receive loans much faster and easier than the loan review period of a general financial company, which takes a long time in document review, etc.

However, such a P2P loan platform is configured so that an investor accesses each individual P2P loan platform, creates an account (wallet or virtual account) through user authentication, and charges investments in the created account, so that the user uses multiple accounts. In this case, there is a problem in that each account must be individually managed.

In addition, since each account is configured in a state that is not linked to each other, there is a problem in that the user cannot integrate and manage the deposit charge, interest repayment, or investment return between each account.

Korean Registered Patent Publication No. 10-1907624 (Title of invention: Device, method and computer program for separating investor deposits in P2P finance)

In order to solve this problem, the present invention uses a CI value that uniquely identifies each user for user account management and investment management of a P2P loan platform, and links user accounts created on different websites for each user. It aims to provide a user account management and investment management system and method for a P2P loan platform using CI values that manage remittances and product investments using linkage of each account.

In order to achieve the above object, the user account management and investment management system of the P2P loan platform using the CI value according to an embodiment of the present invention, when a request for an identity authentication service or a user account creation request input from a user is received from the user terminal. , The authentication API (Application Programming Interface) is called to transmit the user information input through the user terminal to the authentication server, and the user account is created on the account management server using the user CI (Connecting Information) value received from the authentication server. A P2P management server that requests and receives user account information generated by the account management server to perform user account management and investment management of the P2P loan platform; When user information is received from the P2P management server, it transmits and receives authentication confirmation information with the user terminal to perform the identity authentication process, and when the authentication process is completed, the member database information is updated, and the user CI value created for user identification is saved. An authentication server for transmitting to the P2P management server and the account management server; And an account management server for creating and managing user accounts.

The P2P management server communicates with the company server unit consisting of at least one of the company server 1, the company server 2, and the company server n, which provide any product investment service that the user has subscribed to, and the P2P management server is authenticated. Using the CI value provided by the server, confirm that the individual vendor user accounts created in vendor server 1, vendor server 2 to vendor server n, and the user account of the P2P management server are the same user, and the user account and individual vendor user account They can be linked to each other for transfer of money between users or between individual business user accounts.

In addition, the P2P management server may be configured to receive investment product information from the company server unit at regular intervals and output it through a web site.

In addition, when the P2P management server receives investment application information for an investment product from the user terminal, it transmits the investment application information to the company server that sells the investment product, and the investment set in the company server from the company user account set in the company server. You can request that the deposit be transferred to the account of the product borrower who sells the product.

In addition, the P2P management server transmits the investment application information to the server of the company that sells the investment product before sale when the reservation setting investment application information of the investment product before sale is received from the user terminal, and when the sale of the investment product starts, it is sent to the company server. Deposits can be transferred from the set company user account to the account of a product borrower who sells investment products set in the company server.

In addition, when the P2P management server receives the amount setting investment request information from the user terminal, the amount equal to or greater than the deposit set in the company user account may be transferred to the user account of the P2P management server.

In addition, the P2P management server searches for investment products corresponding to the automatic investment application information for setting the amount, and transmits the investment application information to the company server that sells the searched investment products, and the user account of the company server from the user account of the P2P management server. Deposits can be transferred with

In addition, the deposits transferred to the P2P management server company user account may be transferred from the company user account to the account of a product borrower who sells investment products set in the company server.

In addition, when the P2P management server receives the investment application information of the condition setting investment product from the user terminal, it searches for the investment product corresponding to the set condition, and transmits the investment application information to the company server that sells the searched investment product. Deposits can be transferred from the company user account set in to the account of a product borrower who sells investment products set in the company server.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention: a) When the user terminal transmits an identity authentication service or user account creation request to the P2P management server, the P2P management server Calling an authentication API (Application Programming Interface) to transmit user information input through a user terminal to an authentication server; b) performing an identity authentication process by the authentication server transmitting and receiving authentication confirmation information with the user terminal; c) when authentication is completed, transmitting, by the authentication server, to the P2P management server and the account management server using the user CI (Connecting Information) value; And d) The account management server creates a user account of the P2P management server using the account creation request transmitted from the P2P management server or the user CI value transmitted from the authentication server, and stores the result of the generated user account in the member database. Storing, and transmitting the result value to the P2P management server.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention is e) the P2P management server is a company server 1, which provides an arbitrary product investment service subscribed by the user in advance. Connecting with a company server unit consisting of at least one company server from among servers 2 to n; And e-1) The P2P management server uses the CI value provided by the authentication server to create individual vendor user accounts created in vendor server 1, vendor server 2 to vendor server n of the vendor server, and users of the user account of the P2P management server. It may further include the step of checking that the user is the same user and linking with each other to transfer the amount between the user account and the individual vendor user accounts or between the individual vendor user accounts.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention is f) the P2P management server receives investment product information from the company server unit at regular intervals to access an arbitrary website. It may further include the step of outputting the received investment product information.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention g) When the P2P management server receives the investment application information for an arbitrary investment product from the user terminal, the investment product It may further include transmitting the investment application information to the server of the company selling the investment, and allowing the deposit to be transferred from the company user account set in the company server to the account of a product borrower who sells the investment product set in the company server. .

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention is g-1) When the P2P management server receives the reservation setting investment application information of the investment product before sale from the user terminal , Before the sale, the investment application information is transmitted to the server of the company that sells the investment product, and when the sale of the investment product starts, the deposit is transferred from the company user account set in the company server to the account of the product borrower who sells the investment product set in the company server. It may further include the step of making it possible.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention is g-2) When the P2P management server receives the amount setting investment request information from the user terminal, the company user account The amount equal to or greater than the set deposit may further include transferring to a user account of the P2P management server.

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention, the P2P management server searches for investment products corresponding to the automatic investment application information set the amount, and sells the searched investment products. Transmitting the investment application information to the company server; It may further include transferring the deposit from the user account of the P2P management server to the vendor user account of the vendor server, and transferring the deposit from the vendor user account to the account of a product borrower that sells investment products set in the vendor server. .

In addition, the user account management and investment management method of the P2P loan platform using the CI value according to an embodiment of the present invention g-3) When the P2P management server receives the investment application information of the condition setting investment product from the user terminal, the set The investment product that meets the conditions is searched, the investment application information is transmitted to the server of the company that sells the searched investment product, and the deposit is transferred from the business user account set in the company server to the account of the product borrower who sells the investment product set in the company server. It may further include the step of allowing the transfer.

The present invention has the advantage of improving user account management convenience by interlocking and integrated management of user accounts created on different websites for each user by using a CI value that uniquely identifies each user.

In addition, the present invention makes remittance using linkage of each account and rapid product investment according to the user's setting, and manages deposits, interest repayment, and investment return according to the investment, thereby improving the efficiency of the user's product investment management and investment management. There is an advantage that can be improved.

1 is a block diagram showing the configuration of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
2 is an exemplary view showing a user authentication process of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
3 is an exemplary view showing a wallet creation process of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
4 is an exemplary view showing a user account linking process of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
5 is an exemplary view showing a process of moving money between user accounts in a company server of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
6 is an exemplary diagram showing a direct investment process of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
7 is an exemplary diagram showing a reservation setting automatic investment process of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
8 is an exemplary view showing an automatic investment process of setting an amount of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.
9 is an exemplary view showing an automatic investment process for setting conditions of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention.

Hereinafter, a preferred embodiment of a user account and investment management system and method of a P2P loan platform using a CI value according to the present invention will be described in detail with reference to the accompanying drawings.

In this specification, the expression that a certain part "includes" a certain component does not exclude other components, but means that other components may be further included.

In addition, terms such as "... unit", "... group", and "... module" mean units that process at least one function or operation, which can be classified into hardware, software, or a combination of the two.

1 is a block diagram showing the configuration of a user account management and investment management system of a P2P loan platform using a CI value according to an embodiment of the present invention.

As shown in Fig. 1, the user account management and investment management system of the P2P loan platform using the CI value according to an embodiment of the present invention includes a user terminal 100, a P2P management server 200, and an authentication server 300a. ), and an account management server 300 and a plurality of company server units 400.

The user terminal 100 receives information such as authentication information, user account creation information, product investment setting information, deposit transfer, interest repayment, deposit return, etc. from the user for user authentication service or user account creation, and the P2P management server 200 ), the authentication server 300a, the account management server 300, and the company server unit 400.

In addition, the user terminal 100 includes a desktop PC, a notebook PC, a tablet PC, a palmtop, a personal digital assistant (PDA), a communication terminal device such as a smartphone with Internet access, and a portable multimedia player (PMP). ), or a variety of terminals such as UMPC (Ultra-mobile PC) and MID (Mobile Internet Device).

The P2P management server 200 is based on a P2P platform, and when a request for a user authentication service or a request for creating a user account is input from the user terminal 100 connected through the network, the user terminal by calling an authentication API (Application Programming Interface). User information input through (100) is transmitted to the authentication server (300a).

Thereafter, when the P2P management server 200 receives a user CI (Connecting Information) value from the authentication server 300a, it transmits the received user CI value to the account management server 300 to request creation of a user account.

Thereafter, when the creation of the user account in the account management server 300 is completed, the P2P management server 200 receives and manages information on the generated user account from the account management server 300.

The user CI value is a joint identifier between web sites provided by the authentication server 300a for linking services. As 88 bytes of encrypted information, it is possible to distinguish that the user is the same among different web sites, and replace personal information such as resident registration number. And use it.

In addition, the user account is an online wallet (wallet) that can charge funds by various means of collection including a virtual account, and transfer the collected funds to an arbitrary virtual account.

Meanwhile, as for the user account, the P2P management server 200 may request the account management server 300 to create a user account using the user CI value generated by the authentication server 300a, but the P2P management server 200 May receive and manage information on the user account created in the account management server 300 without a separate request.

That is, when the authentication server 300a transmits the generated user CI value to the account management server 300 and requests the creation of a user account linked with the P2P management server 200, the account management server 300 Generate.

The result value of the generated user account is transmitted from the account management server 300 to the P2P management server 200, and the user account information may be managed by the P2P management server 200.

In addition, the P2P management server 200 is a company server unit 400 that provides any product investment service to which the user has subscribed, that is, the company server 1 (400a), the company server 2 (400b) to the company server n (400c). Individually created company user accounts are linked with the user accounts created in the P2P management server 200.

Explaining this in more detail, the P2P management server 200 deposits the funds charged or collected in the user account into individual vendor user accounts of the vendor server 1 (400a), vendor server 2 (400b) or vendor server n (400c). Accounts are linked and managed so that remittances are transferred to the user account, repayment interest incurred from individual company user accounts, or investments deposited in the company user account are returned to the user account.

Regarding the linkage between the user account and the individual company user account, the P2P management server 200 is a company server of the company server unit 400 that provides an arbitrary product investment service using the user CI value provided from the authentication server 300a. It is checked whether user data exists in 1 (400a), company server 2 (400b) to company server n (400c).

As a result of the verification, if the user's data exists, the P2P management server 200 is a company user individually created in the company server 1 (400a), the company server 2 (400b) or the company server n (400c) of the company server unit 400 It is confirmed that the user of the account and the user account created in the P2P management server 200 are the same user.

When it is confirmed that the user is the same, the P2P management server 200 connects accounts between accounts to transfer funds (or amounts) between the company user account of the company server unit 400 and the user account of the P2P management server 200. The account connection API is called so that the account management server 300 requests the account management server 300 so that the user account and the user account of each company are linked with each other.

In addition, by configuring each company's user accounts to be linked with each other, not only money transfer between the user account and each company user account, but also money transfer between each company user account can be made.

In addition, the P2P management server 200 includes investment product information at regular intervals from a plurality of company server units 400 consisting of a company server 1 (400a), a company server 2 (400b) or a company server n (400c) connected through a network. Receive.

The received investment product information is output through a web site managed by the P2P management server 200 based on a P2P platform, so that the investment product information is displayed through the user terminal 100 connected to the web site.

In addition, when the P2P management server 200 receives investment request information for an arbitrary investment product from the user terminal 100, the P2P management server 200 transmits the investment request information to the company server unit 400 that sells the investment product.

In addition, the P2P management server 200 requests a remittance to the account management server 300 so that the deposit is transferred from the company user account set in the company server to the account of the product borrower who sells investment products set in the company server. .

In addition, when the P2P management server 200 receives the reservation setting investment application information for the investment product before the sale has not started from the user terminal 100, the reservation investment application information to the company server unit 400 that sells the investment product. Transmit.

In addition, when the sale of the investment product starts, the P2P management server 200 requests a remittance to the account management server 300 and deposits a deposit to the account of the product borrower who sells the investment product set in the company server from the company user account set in the company server. Let this transfer.

In addition, when the P2P management server 200 receives the amount setting investment request information from the user terminal 100, it analyzes the amount setting investment application information requested by the user to check the investment amount information set by the user.

Thereafter, the P2P management server 200 checks the user accounts of each company of the company server 1 (400a), the company server 2 (400b) to the company server n (400c), and as a result, if the amount of the set deposit or more is confirmed, the excess The amount is transferred from the user account of each company to the user account of the P2P management server 200.

When the amount transferred to the user account reaches the set investment amount, the P2P management server 200 analyzes the received investment product information, searches for an investment product corresponding to the automatic investment application information for setting the amount, and sells the searched investment product. The investment application information is transmitted to the server of the company.

In addition, the P2P management server 200 requests a remittance to the account management server 300 so that the deposit is transferred from the user account of the P2P management server 200 to the account of a product borrower who sells investment products set in the company server.

In addition, when the P2P management server 200 receives investment application information of a condition setting investment product including, for example, an investment target, a rate of return, and a period, from the user terminal 100, the P2P management server 200 analyzes the conditions of the received investment product. The investment product corresponding to the condition is searched, and the investment application information is transmitted to the server of the company that sells the searched investment product.

In addition, the P2P management server 200 requests a remittance to the account management server 300 so that the deposit is transferred from the user account of the P2P management server 200 to the account of a product borrower who sells investment products set in the company server.

When user information is received from the P2P management server 200, the authentication server 300a transmits and receives authentication confirmation information with the user terminal 100 to perform an identity authentication process.

In addition, when the authentication process is completed, the authentication server 300a updates the member database information, and transmits the user CI value created for user verification to the P2P management server 200 or the account management server 300 to manage P2P. The user account of the server 200 can be created.

The account management server 300 creates a user account using the user account request and user CI value transmitted from the P2P management server 200 or the authentication server 300a, and transfers the amount between the created user account and the company user account. Manage as much as possible.

The company server unit 400 is a configuration that provides a product investment service using a P2P platform, and a plurality of company servers 1 (400a), company server 2 (400b) to company server n (400c) providing different product investment services Consists of

Vendor server 1 (400a), vendor server 2 (400b) to vendor server n (400c) are configured to include individual vendor user accounts created for each vendor after a user has signed up in advance, and each vendor user account is a P2P management server (200). ) Is linked with the user account to enable transfer of money.

The following describes the operation of the user account management and investment management system of the P2P loan platform using the CI value according to the present invention.

2 is an exemplary diagram showing a user account management and user authentication process of an investment management system of a P2P loan platform using a CI value according to the present invention, and FIG. 3 is a user account management of a P2P loan platform using a CI value according to the present invention And an exemplary diagram showing a wallet creation process of the investment management system, and FIG. 4 is an exemplary diagram showing a user account management process of a P2P loan platform using a CI value according to the present invention and a user account linking process of the investment management system, and FIG. 5 is An exemplary diagram showing a process of transferring money between user accounts in a company server of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention, and FIG. 6 is a P2P loan platform using a CI value according to the present invention. An exemplary diagram showing the direct investment process of the user account management and investment management system, and FIG. 7 is an exemplary diagram showing the automatic investment process of reservation setting of the user account management and investment management system of the P2P loan platform using the CI value according to the present invention. , FIG. 8 is an exemplary diagram showing an automatic investment process for setting amount of a user account management and investment management system of a P2P loan platform using a CI value according to the present invention, and FIG. 9 is a P2P loan platform using a CI value according to the present invention. This is an exemplary diagram showing the automatic investment process for user account management and condition setting of the investment management system.

2 to 9, the process of creating a user account by the P2P management server 200 is when the user terminal 100 transmits an identity authentication service request (S100) to the P2P management server 200, P2P management The server 200 calls an authentication application programming interface (API) to transmit user information input through the user terminal 100 to the authentication server 300a (S110).

The authentication server 300a sends an authentication SMS to the user terminal 100 according to the request in step S100 (S120), and receives the authentication SMS reply information transmitted from the user terminal 100 (S130) to perform the identity authentication process. do.

When authentication is completed, the authentication server 300a creates a user CI (Connecting Information) value, stores the generated user CI value in the member database, and then the generated user CI value is managed by the account management server 300 and P2P. It transmits to the server 200 (S140, S150).

The P2P management server 200 transmits the user CI value received from the authentication server 300a to the account management server 300 and requests the creation of a user account (wallet) to the account management server 300 (S160).

On the other hand, another process of creating a user account is when the user terminal 100 transmits a request to create a user account (wallet) (S100') to the P2P management server 200, the P2P management server 200 calls the authentication API. Thus, the user information input through the user terminal 100 is transmitted to the authentication server 300a (S110').

The authentication server 300a transmits an authentication SMS to the user terminal 100 according to the request of step S100' (S120), receives authentication SMS reply information transmitted from the user terminal 100, and performs an identity authentication process.

When authentication is complete, the authentication server 300a generates a user CI value and stores the generated user CI value in the member database.

Thereafter, the authentication server 300a requests the creation of a user account (wallet) to the account management server 300 (S140'), and the user information is transmitted to the P2P management server 200 (S150), and the account management server ( 300) creates a user account according to the request and then transmits the generated user account information to the P2P management server 200 (S160').

When the creation of the user account is completed, the P2P management server 200 is used to move the company user account and the amount created in the company server unit 400 that provides the product investment service that the user has subscribed to in advance for efficient account management. Linking between accounts is performed.

That is, when a user requests linkage between accounts through the user terminal 100 (S200), the P2P management server 200 provides a product investment service that the user has subscribed to in advance, 400b) to the vendor server n (400c) and transmits the user CI value (S210).

In response to the user CI value transmitted from the P2P management server 200, when the company server 1 (400a), the company server 2 (400b) or the company server n (400c) responds with corresponding user information (S220), P2P The management server 200 calls the account connection API to request the account management server 300 to link an account between a user account and a company user account for each company (S230).

The account management server 300 transmits the authentication SMS for account connection to the user terminal 100 (S240), and when the authentication SMS information is received from the user terminal 100 (S250), the user of the P2P management server 200 The company user accounts of the company server 1 (400a), the company server 2 (400b) to the company server n (400c) whose account and user information are matched are linked so that the amount can be moved through account connection.

Thereafter, when a transfer of the amount between accounts is requested through the user terminal 100 (S300), the P2P management server 200 calls the remittance API and transfers the money from the user account to the account management server 300 from the user account to any company user account, A request is made to make a transfer from an arbitrary company user account to a user account or between company user accounts (S310).

After performing the remittance request in step S310, the P2P management server 200 transfers money from the vendor user account of the vendor server 1 (400a) to the vendor user account of the vendor server 2 (400b) in order to manage the movement of the amount. When this occurs, the remittance server 1 (400a) deducts the DB points (S320) so that the change in the amount due to the remittance can be checked.

The account management server 300 transmits the result according to the remittance to the company server 2 (400b) (S330), and the DB points of the company server 2 (400b) are increased.

At this time, the company server 2 (400b) transmits the result value according to the change in the amount and the changed DB point value to the P2P management server 200 (S340), so that the DB point according to the change in the amount in the P2P management server 200 To be synchronized.

The following describes a process of providing an investment product service performed by the P2P management server 200.

The P2P management server 200 provides investment product information at regular intervals from the company server unit 400 consisting of a company server 1 (400a), a company server 2 (400b) to a company server n (400c) that provides a service for any investment product. By receiving (S400) the investment product information received through the web site connected to the P2P management server 200 is displayed, and product information on the investment product is transmitted to the user terminal 100 connected through the network (S410) Make it possible.

When a user's investment application for an investment product, for example, a direct investment application is input (S420), the P2P management server 200 is a random company server 1 400a that sells the selected investment product through the user terminal 100. ), transmits the investment application information to the company server 2 (400b) to the company server n (400c), and requests the remittance of the deposit to the account management server 300 (S430).

Upon receiving the investment application information, the company server requests a pending API to the account management server 300 in order to check the user for the investment application and move the amount (S440).

The account management server 300 transmits the authentication SMS to the user terminal 100 for user confirmation and transfer of the amount according to the investment application (S450), and when authentication SMS information is received from the user terminal 100 (S460), the account The management server 300 allows the deposit to be transferred (S470) from a company user account set in the company server to an account of a product borrower who sells investment products set in the company server.

On the other hand, the P2P management server 200 receives the investment application information for the investment product before the sale has not started from the user terminal 100 (S420'), to a company server that provides the investment product service before the sale. The reservation setting investment application information is transmitted, and a request is made to transfer the deposit to the account management server 300 when the investment product starts to be sold (S430').

Thereafter, when the sale of the investment product starts, the company server, which has received the reservation setting investment application information, requests a pending API to the account management server 300 in order to perform user confirmation and transfer of the amount for the investment application (S440'). .

The account management server 300 transmits the authentication SMS to the user terminal 100 for user confirmation and transfer of the amount according to the investment application (S450), and when authentication SMS information is received from the user terminal 100 (S460), the account The management server 300 allows the deposit to be transferred (S470) from a company user account set in the company server to an account of a product borrower who sells investment products set in the company server.

In addition, when the P2P management server 200 receives (S500) the amount setting investment application information from the user terminal 100, the user subscribed to the company server 1 (400a), the company server 2 (400b) to the company server n (400c) ) To store the amount setting value (S510).

Thereafter, the P2P management server 200 charges deposits, returns investments, and pays interest to the user accounts of the company server 1 (400a), company server 2 (400b) through company server n (400c) through the account management server 300 The deposit is increased through the like (S520).

When the deposit of the company server 1 (400a), company server 2 (400b) to company server n (400c) is increased through the deposit increase in step S520, the company server 1 (400a), company server 2 (400b) to company server n (400c) performs synchronization with the P2P management server 200 (S530).

In addition, the P2P management server 200 compares the set amount with the company's deposit, and then, when the amount is greater than or equal to the set amount, requests a remittance to the account management server 300 (S540), and the account management server 300 requests API The transmission of the transmission is returned to the P2P management server 200 (S550).

In addition, the P2P management server 200 allows the company's DB points to be reduced (S560) when the request API transmission is successful, and the account management server 300 transmits the remittance result to the user account of the P2P management server 200, and balances The DB point according to the increase of is increased (S570).

Thereafter, the P2P management server 200 receives the investment product information from the company server 1 (400a), the company server 2 (400b) or the company server n (400c) every predetermined time (S580), and automatically sets the amount to the investment application information. Remittance API for the corresponding investment product is requested to the account management server 300, and DB points are deducted (S590).

The account management server 300 transmits the remittance result to the company server 1 (400a), the company server 2 (400b) to the company server n (400c) (S600), and the company server 1 (400a), the company server 2 (400b) The vendor server n (400c) transmits a pending API request to the account management server 300 when selling a product (S610).

The account management server 300 transmits the authentication SMS to the user terminal 100 for moving the amount according to the investment application and confirming the user (S620), and when the authentication SMS information is received from the user terminal 100 (S630), the account The management server 300 allows the deposit to be transferred (S610) from a company user account set in the company server to an account of a product borrower who sells investment products set in the company server.

Preferably, the deposit is transferred from the user account to the company's separate storage account and then transferred from the company's separate storage account to the product borrower's account.

In addition, the P2P management server 200 receives (S700) investment application information of a condition setting investment product including, for example, an investment target, a rate of return, a period, etc. from the user terminal 100, and the company server 1 (400a), the company The condition setting value is stored in the server 2 (400b) to the company server n (400c) (S710).

Thereafter, the account management server 300 enters a pending API request when recruiting investment products suitable for the set value from any one of the vendor server 1 (400a), vendor server 2 (400b) to vendor server n (400c) ( When S720), the authentication SMS is transmitted to the user terminal 100 to move the amount according to the investment application and confirm the user (S730).

When the authentication SMS information is received from the user terminal 100 (S740), the account management server 300 transfers the deposit from the vendor user account set in the vendor server to the account of the product borrower who sells investment products set in the vendor server (S750 ).

On the other hand, when the deposit charged in the vendor user account of the vendor server 1 (400a) is insufficient, the amount may be recharged by remittance from the user account of the P2P management server 200 according to the user's selection, or the vendor server 2 (400b) ) You can also recharge by remittance of insufficient amount from the user account of the company.

Accordingly, user accounts created in different web sites are linked and integrated using CI values that uniquely identify users, thereby improving user account management convenience.

In addition, by linking multiple user accounts, rapid product investment according to remittance and user settings, and management of deposits, interest repayment, and investment return according to investments, improve the efficiency of user's product investment management and investment management. I can.

In the above, the embodiments according to the present invention have been described, but these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent ranges of embodiments are possible therefrom.

For example, in an embodiment of the present invention, it has been described that user account management and investment management of a P2P loan platform are performed, but the present invention is not limited thereto, and user account management of various P2P financial platforms or It can be appropriately modified and applied to carry out investment management.

Furthermore, the present invention is not limited to user account management and investment management of a P2P financial platform, and may be appropriately modified and applied to perform user account management or investment management in online services that perform various online authentication and transactions. have.

As described above, the present invention has been described with reference to preferred embodiments of the present invention, but those skilled in the art can variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the following claims. You will understand that you can do it.

In addition, reference numerals in the claims of the present invention are provided for clarity and convenience of description, and are not limited thereto. In the process of describing the embodiments, the thickness of the lines shown in the drawings, the size of components, etc. May be exaggerated for clarity and convenience of description, and the above-described terms are terms defined in consideration of functions in the present invention and may vary according to the intention or custom of users and operators. Is to be made based on the contents throughout this specification.

100: user terminal
200: P2P management server
300: account management server
300a: authentication server
400: company server unit
400a: company server 1
400b: company server 2
400c: company server n

Claims (14)

When an authentication service request or a user account creation request input from a user is received through the user terminal 100, an authentication application programming interface (API) is called and user information input through the user terminal 100 is transmitted to an authentication server ( 300a) and requests the account management server 300 to create a user account using the user CI (Connecting Information) value received from the authentication server 300a, and provides any product investment service to which the user subscribes. By connecting to the company server unit 400 composed of at least one company server to provide the product investment service, the company user account that is individually created for each company providing the product investment service and the user account are linked, and account management so that the account connection between accounts is established. By calling the account connection API to the server 300, the funds collected in the user account are transferred to the company user account opened for each company, the company user account is returned to the user account, or a transfer between each company user account is made. The investment product information received from the company's server unit 400 is provided through a web site based on a P2P platform, and is managed to be displayed through the user terminal 100, and the user terminal 100 When random investment application information is received from, the investment application information is transmitted to the server unit 400 of the company that sells the investment product, but if the investment application information is an amount setting investment application, the investment set from the user terminal 100 Each company user account is checked based on the amount information, and if the amount of each company user account exceeds the set deposit, the excess amount is transferred from the company user account to the user account, and transferred to the user account. When the amount reaches the preset investment amount, the investment application information is sent to the server unit 400 of the company that sells the searched investment product after searching for the investment product corresponding to the investment amount. A P2P management server 200 for transmitting and managing;
When the user information is received from the P2P management server 200, the user terminal 100 transmits and receives authentication confirmation information to perform an identity authentication process, and when the authentication process is completed, member database information is updated, An authentication server (300a) for transmitting a user CI value generated for user verification to the P2P management server 200 and the account management server 300; And
An account management server 300 that creates a user account based on the user CI value and manages the transfer of money between the user account linked by the P2P management server 200 and the user account of an individual company; using a CI value including User account management and investment management system of P2P loan platform. delete The method of claim 1,
The P2P management server 200 manages the user account of the P2P loan platform using a CI value, characterized in that it receives investment product information from the company server unit 400 at regular intervals and outputs it through a web site. Investment management system. The method of claim 3,
When the P2P management server 200 receives investment application information for an arbitrary investment product from the user terminal 100, the P2P management server 200 transmits the investment application information to the company server that sells the investment product, and the company set in the company server User account management and investment management system of a P2P loan platform using a CI value, characterized in that the deposit is transferred from the user account to the account of a product borrower who sells the investment product set in the company server. The method of claim 3,
When the P2P management server 200 receives the reservation setting investment application information of the investment product before sale from the user terminal 100, the P2P management server 200 transmits the investment application information to the server of the company selling the investment product before sale, and the investment product When the sale of the company starts, the deposit is transferred from the company user account set in the company server to the account of the product borrower who sells the investment product set in the company server. User account management and investment of a P2P loan platform using a CI value. Management system. The method of claim 3,
The P2P management server 200 is characterized in that when the amount setting investment application information is received from the user terminal 100, the amount equal to or greater than the deposit set in the company user account is transferred to the user account of the P2P management server 200. User account management and investment management system of P2P loan platform using CI value. The method of claim 3,
When the P2P management server 200 receives investment application information of a condition setting investment product from the user terminal 100, it searches for an investment product corresponding to the set condition and sells the searched investment product investment application information. And transfer the deposit from the company user account set in the company server to the account of a product borrower who sells investment products set in the company server. User account management and investment of a P2P loan platform using a CI value. Management system. a) When the user terminal 100 transmits an identity authentication service or a user account creation request to the P2P management server 200, the P2P management server 200 calls the authentication API (Application Programming Interface) and the user terminal 100 Transmitting user information input through the authentication server (300a);
b) performing, by the authentication server (300a), the user terminal (100) and the authentication confirmation information to transmit and receive authentication information;
c) when the authentication is completed, transmitting, by the authentication server 300a, to the P2P management server 200 and the account management server 300 using a user CI (Connecting Information) value;
d) The account management server 300 uses the account creation request transmitted from the P2P management server 200 or the user CI value transmitted from the authentication server 300a to access the user account of the P2P management server 200. Generating, storing the generated result value of the user account in a member database, and transmitting the result value to the P2P management server 200;
e) accessing, by the P2P management server 200, a company server unit 400 comprising at least one company server that provides a product investment service to which the user subscribes; And
e-1) The P2P management server 200 links the user accounts individually created for each company providing product investment services and the user accounts, and connects the accounts to the account management server 300 so that accounts can be connected. By calling the API, the funds collected in the user account are transferred to the company user account opened for each company, the company user account is returned to the user account, or the transfer between each company user account is managed, and the company server Investment product information received from the unit 400 at a certain period is provided through a web site based on a P2P platform and managed to be displayed through the user terminal 100, and arbitrary investment application information from the user terminal 100 is provided. Upon receipt, the investment request information is transmitted to the company server unit 400 that sells the investment product, but if the investment request information is an amount setting investment application, each company based on the investment amount information set from the user terminal 100 Check the user account, and if the amount of each company user account exceeds the set deposit, the excess amount is managed to be transferred from the business user account to the user account, and the amount transferred to the user account is adjusted to the preset investment amount. Upon arrival, searching for an investment product corresponding to the investment amount and transmitting and managing investment application information to the company server unit 400 that sells the searched investment product; a user account of a P2P loan platform using a CI value including Management and investment management methods. delete The method of claim 8,
f) The P2P management server 200 further comprises the step of receiving investment product information from the company server unit 400 at regular intervals and outputting the received investment product information through a web site. User account management and investment management method of P2P loan platform using CI value. The method of claim 10,
g) When the P2P management server 200 receives investment application information for an investment product from the user terminal 100, it transmits the investment application information to the company server that sells the investment product, and transmits the investment application information to the company server. User account management and investment management method of a P2P loan platform using a CI value, characterized in that the step of transferring the deposit from the set company user account to the account of a product borrower who sells investment products set in the company server. The method of claim 11,
g-1) The P2P management server 200 transmits the investment application information to the server of the company that sells the investment product before sale when the reservation setting investment application information of the investment product before sale is received from the user terminal 100, and , When the sale of the investment product starts, the deposit is transferred from the company user account set in the company server to the account of the product borrower who sells the investment product set in the company server. User account management and investment management method of P2P lending platform. The method of claim 11,
g-2) When the P2P management server 200 receives the amount setting investment application information from the user terminal 100, the amount equal to or greater than the deposit set in the company user account is transferred to the user account of the P2P management server 200 User account management and investment management method of a P2P loan platform using a CI value, characterized in that it further comprises the step of. The method of claim 11,
g-3) When the P2P management server 200 receives the investment application information of the condition setting investment product from the user terminal 100, the company server that searches for an investment product corresponding to the set condition and sells the searched investment product Transmitting the investment application information to the company server, and transferring the deposit from the company user account set in the company server to the account of a product borrower who sells the investment product set in the company server. User account management and investment management method of P2P lending platform.

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