KR102220296B1 - Transaction system and method of a debt right of receipt using a not affiliated peer-to-peer enterprise - Google Patents

Abstract

The present invention relates to a system and method for trading principal and interest receivables through a non-affiliated P2P company, and the system for trading principal and receivables through an unaffiliated P2P company of the present invention is, among products owned by the first investor from the terminal of the first investor When the amount for specific products and specific products of a non-affiliated P2P company to be sold is set, a virtual account for P2P exchange transaction is issued from the open banking platform, and a request to purchase a specific product is received from the terminal of the second investor, 2 Transmit the terms and conditions to the investor's terminal asking whether the second investor agrees to the contents of membership registration, investment information registration, and investment limit confirmation on the platform of an unaffiliated P2P company, and from the terminal of the second investor to the second investor A product transfer request containing the terms and conditions that include the agreement of the first investor and the transfer of the specific product to the second investor from the first investor to the terminal of the first investor and transmits the received terms to the platform of a non-affiliated P2P company Issuance, and receiving a product transfer request containing the consent of the first investor from the terminal of the first investor, transmitting the received product transfer request to the platform of a non-affiliated P2P company, and specific products from the platform of the non-affiliated P2P company When receiving a product transfer completion certificate certifying that the transfer from the first investor to the second investor is completed, the amount of the specific product deposited in the virtual account for P2P exchange transaction through the open banking platform is transferred to the personal account of the first investor. A P2P exchange server that transmits a remittance command, and a P2P exchange escrow account, a derivative account derived from the P2P exchange parent account, is issued to the P2P exchange server, and a specific product between the terminal of the first investor and the terminal of the second investor When the sale is completed, the open banking platform to recover the issued P2P exchange escrow account, and the P2P exchange server receive the terms and conditions containing the consent of the second investor, join the second investor as a member, register investment information, Approving the confirmation of the possibility of the investment limit, and transferring the product containing the consent of the first investor from the P2P exchange server It includes a platform of a non-affiliated P2P company that receives a request, completes a product transfer operation for a specific product, and transmits a product transfer completion certificate to a P2P exchange server.

Description

Principal and interest receivable transaction system and method through US affiliated P2P companies {TRANSACTION SYSTEM AND METHOD OF A DEBT RIGHT OF RECEIPT USING A NOT AFFILIATED PEER-TO-PEER ENTERPRISE}

The present invention relates to a system and method for trading principal and interest receivables through non-affiliated P2P companies, and more particularly, to comply with P2P guidelines when an investor transfers the principal and interest receivables received from an online loan information broker to another investor. It relates to a system and method of trading principal and interest receivables through non-affiliated P2P companies that are brokered by P2P exchanges.

In recent years, as the number of investors interested in P2P (Peer to Peer) investment increases, P2P investment is drawing attention as one of the new investment trends. Accordingly, online loan information brokers are also introducing various products that investors may be interested in.

The government also announced the new P2P investment guidelines from May 29, 2017 to create a transparent transaction culture in line with the times, but if the right to receive principal and interest between investors is still transferred, there is room for the IRS report to be omitted. The problem could not be corrected.

Therefore, even when the principal and interest receivables are transferred between P2P investors, it meets the P2P investment guidelines and enables transparent transactions, as well as the infrastructure for freely trading until the repayment period of principal and interest receivables arrives. It is an urgent situation.

[Related technical literature]

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

The problem to be solved by the present invention is to establish an infrastructure to freely trade principal and interest receivables in accordance with the P2P guidelines until the repayment period of the principal and interest receivables arrives, thereby establishing an unaffiliated P2P company that enables transparent transactions. It relates to a system and method for trading principal and interest receivables.

Another problem to be solved by the present invention is to use a P2P-only account issued by an open banking platform when trading principal and interest receivables, so that the system and method of trading principal and interest receivables through non-affiliated P2P companies that can secure user safety About.

Another problem to be solved by the present invention relates to a system and method for trading principal and interest receivables through unaffiliated P2P companies that trade principal and interest receivables using unaffiliated P2P companies that are not affiliated with P2P exchanges among P2P companies.

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

In order to solve the above-described problem, the principal and interest receivable transaction system using a non-affiliated P2P company according to an embodiment of the present invention is a non-affiliated product that is to be sold among the products owned by the first investor from the terminal of the first investor. When a P2P company's specific product and the amount for a specific product are set, a virtual account for P2P exchange transaction is issued from the open banking platform, and a request to purchase a specific product is received from the terminal of the second investor, the terminal is sent to the terminal of the second investor. The second investor transmits the terms and conditions asking whether to agree to the contents of membership registration, investment information registration, and confirmation of investment limit availability on the platform of a non-affiliated P2P company, and the second investor's consent is included from the second investor's terminal. After receiving the terms and conditions, it transmits the received terms and conditions to the platform of a non-affiliated P2P company, issues a product transfer request containing the information that the specific product is transferred from the first investor to the second investor to the terminal of the first investor, 1 A product transfer request containing the consent of the first investor is received from the investor's terminal, and the received product transfer request is transmitted to the platform of a non-affiliated P2P company, and a specific product from the platform of the non-affiliated P2P company is sent to the first investor. When receiving a certificate of completion of product transfer proving that the transfer to the second investor has been completed, an order to transfer the amount of the specific product deposited to the virtual account for P2P exchange transaction to the personal account of the first investor through the open banking platform is issued. When a P2P exchange escrow account, a derivative account derived from the P2P exchange parent account, is issued to the sending P2P exchange server and the P2P exchange server, and the sale of a specific product is completed between the terminal of the first investor and the terminal of the second investor , After receiving the agreement containing the consent of the second investor from the open banking platform and the P2P exchange server, which collects the issued P2P exchange escrow account, approves the second investor's membership registration, investment information registration, and confirmation of investment limit availability. And, by receiving a product transfer request containing the consent of the first investor from the P2P exchange server, After completing the product transfer operation for the product, the product transfer completion certificate is transmitted to the P2P exchange server.

According to another feature of the present invention, when it is confirmed that the terminal of the second investor has deposited the amount for a specific product in the virtual account for P2P exchange, the P2P exchange server transfers the specific product to the terminal of the first investor. Transmits a purchase request guidance message containing the content that it wants to purchase.

According to another feature of the present invention, after transmitting a purchase completion message including a purchase completion message to the terminal of the first investor and the terminal of the second investor, the investment details information of the first investor and the second investor is updated. .

According to another feature of the present invention, when it is determined that the transfer of a specific product from the first investor to the second investor has failed or the transfer of the specific product has not been made within a set time, the P2P exchange server After remittance of the amount of the specific product deposited by the terminal to the personal account of the second investor, a message indicating the failure to transfer is transmitted to the terminal of the first investor and the terminal of the second investor.

In order to solve the above-described problem, the method of trading principal and interest receivables using a non-affiliated P2P company according to an embodiment of the present invention is to sell among the products owned by the first investor from the terminal of the first investor in the P2P exchange server. Receiving an amount for a specific product and a specific product of a non-affiliated P2P company to be set; On the P2P exchange server, when a virtual account for P2P exchange transaction is issued from the open banking platform, and a request to purchase a specific product is received from the terminal of the second investor, the second investor is the terminal of the second investor and the platform of an unaffiliated P2P company Sending the terms and conditions asking whether to agree to the details of membership registration, investment information registration, and investment limit availability confirmation; Receiving, at the P2P exchange server, a terms and conditions including the consent of the second investor from the terminal of the second investor, and transmitting the received terms to the platform of an unaffiliated P2P company; Issuing a request for transfer of a product, including a transfer of a specific product from the first investor to the second investor, from the P2P exchange server to the terminal of the first investor; Receiving a product transfer request including the consent of the first investor from the terminal of the first investor at the P2P exchange server, and transmitting the received product transfer request to the platform of an unaffiliated P2P company; When a P2P exchange server receives a product transfer completion certificate from the platform of a non-affiliated P2P company that proves that a specific product has been transferred from the first investor to the second investor, deposit it into a virtual account for P2P exchange transaction through the open banking platform. Transmitting an instruction for remittance of an amount for the specified product to the personal account of the first investor; Issuing a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, to a P2P exchange server in the open banking platform; In the open banking platform, when the sale of a specific product between the terminal of the first investor and the terminal of the second investor is completed, recovering the issued P2P exchange escrow account; Receiving the terms and conditions including the consent of the second investor from the P2P exchange server on the platform of a non-affiliated P2P company, and approving the second investor's membership registration, investment information registration, and investment limit availability confirmation; Receiving a product transfer request including the consent of the first investor from a P2P exchange server on a platform of a non-affiliated P2P company, and completing a product transfer operation for a specific product; And transmitting a product transfer completion certificate to a P2P exchange server on a platform of a non-affiliated P2P company.

The present invention provides a system and method for trading principal and interest receivables that enable transparent transactions by establishing an infrastructure for freely trading principal and interest receivables in accordance with P2P guidelines until the repayment period of the principal and interest receivables arrives. I can.

The present invention can provide a principal and interest receivable transaction system and method capable of securing the safety of a user because a P2P-only account issued by an open banking platform is used when trading principal and interest receivable rights.

The present invention can provide a system and method for trading principal and interest receivables through unaffiliated P2P companies that trade principal and interest receivables by using non-affiliated P2P companies among P2P companies that are not affiliated with a P2P exchange.

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

1 is a view for explaining the overall configuration of a principal and interest receivable transaction system according to an embodiment of the present invention.
2 is a block diagram schematically showing the configuration of a server of a system for trading principal and interest receivables according to an embodiment of the present invention.
3 is a diagram for explaining a right to receive principal and interest according to an embodiment of the present invention.
4 is a view for explaining the role of a P2P exchange server in the principal and interest receivable transaction system according to an embodiment of the present invention.
5 is a diagram illustrating an additional service of a P2P exchange according to an embodiment of the present invention.
6 is a diagram for explaining a content in which a P2P exchange server and a platform of an affiliated P2P company link mutual member information in the case of a new subscriber according to an embodiment of the present invention.
FIG. 7 is a diagram for explaining contents in which a P2P exchange server and a platform of a new affiliated P2P company automatically link member information stored in the platform of a new affiliated P2P company according to an embodiment of the present invention.
FIG. 8 is a diagram for explaining a content in which a P2P exchange server and a platform of a new affiliated P2P company manually interconnect member information stored in the platform of a new affiliated P2P company according to an embodiment of the present invention.
9 is a diagram for explaining content of synchronizing product investment details of a member requested to a platform of an affiliated P2P company according to an embodiment of the present invention.
FIG. 10 is a diagram for explaining content in which a P2P exchange server according to an embodiment of the present invention directly receives investment details registered on a platform of an unaffiliated P2P company from an investor.
11 is a view for explaining a principal and interest receivable transaction with a P2P company affiliated with a P2P exchange server according to an embodiment of the present invention.
12 is a view for explaining a principal and interest receivable transaction with an unaffiliated P2P company by a P2P exchange server according to an embodiment of the present invention.
FIG. 13 is a diagram for explaining contents of collecting a product information list from a platform of an affiliated P2P company in a P2P exchange server according to an embodiment of the present invention.
14 is a view for explaining the content of using JavaScript when investing a new product in an affiliated P2P company according to an embodiment of the present invention.
15 is a view for explaining the content of investing a new product in an affiliated P2P company using an open banking platform according to an embodiment of the present invention.
16 is a diagram for explaining a function of managing investment by collecting principal and proceeds according to an embodiment of the present invention.
17 is a diagram for explaining an investment household account book function among investment money management functions of a P2P exchange server according to an embodiment of the present invention.

Advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in a variety of different forms, only these embodiments are intended to complete the disclosure of the present invention, and those skilled in the art to which the present invention pertains. It is provided to fully inform the person of the scope of the invention, and the invention is only defined by the scope of the claims.

Combinations of each block of the attached block diagram and each step of the flowchart may be performed by algorithms or computer program instructions, which are composed of firmware, software, or hardware. These algorithms or computer program instructions can be mounted on the processor of a general purpose computer, special purpose computer or other programmable digital signal processing device, so that the instructions executed by the processor of the computer or other programmable data processing equipment. These will create means for performing the functions described in each block of the block diagram or each step of the flowchart. These algorithms or computer program instructions may also be stored in computer-usable or computer-readable memory that can be directed to a computer or other programmable data processing equipment to implement a function in a particular manner, so that the computer-readable or computer-readable It is also possible to produce an article of manufacture containing instruction means for performing the functions described in each block of the block diagram or each step of the flow chart. Computer program instructions can also be mounted on a computer or other programmable data processing equipment, so that a series of operating steps are performed on a computer or other programmable data processing equipment to create a computer-executable process to create a computer or other programmable data processing equipment. It is also possible for the instructions to perform processing equipment to provide steps for executing the functions described in each block of the block diagram and each step of the flowchart.

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

The same reference numerals refer to the same components throughout the specification.

Each of the features of the various embodiments of the present invention may be partially or entirely combined or combined with each other, and as a person skilled in the art can fully understand, technically various interlocking and driving are possible, and each of the embodiments may be independently implemented with respect to each other. It may be possible to do it together in a related relationship.

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

1 is a view for explaining the overall configuration of a principal and interest receivable transaction system according to an embodiment of the present invention. First, as shown in FIG. 1, the principal and interest receivable transaction system according to an embodiment of the present invention includes a platform 110 of an affiliated P2P (Peer to Peer) company, a P2P exchange server 120, and an open banking platform 130. , open banking platform) and an investor terminal 140.

The affiliated P2P company's platform 110 is a platform operated by a P2P company affiliated with a P2P exchange, and the Financial Services Commission defines it as a platform operated by an online loan information broker.

Specifically, the platform 110 of the affiliated P2P company receives a request from the P2P exchange server 120 for the purchaser's availability of a specific product, inquires the purchaser's investment limit, and provides feedback on whether the purchaser can purchase a specific product. Is transmitted to the P2P exchange server 120.

In addition, the platform 110 of the affiliated P2P company receives a request from the P2P exchange server 120 whether the purchaser can purchase a specific product, executes an application programming interface (API) linked with member information, and then the purchaser is a member in advance. Determine whether you are a registered member.

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

Thereafter, when the purchaser is an existing subscriber, the platform 110 of the affiliated P2P company executes an investment availability inquiry API to inquire the purchaser's investment limit, and then sends the purchaser's investment limit inquiry result to the P2P exchange server 120. send.

The P2P exchange server 120 acts as a member to an affiliated P2P company and invests in funding products for investors.

Specifically, the P2P exchange server 120 receives from the terminal 140 of the first investor set a specific product of a specific affiliated P2P company to be sold among products owned by the first investor and an amount for a specific product.

In addition, the P2P exchange server 120 transmits a virtual account for P2P exchange transaction issued by the open banking platform to the terminal 140 of the first investor, and receives a purchase request for a specific product from the terminal 140 of the second investor. In this case, when it is determined that the purchase of a specific product by the second investor is possible by inquiring whether the purchase is possible on the platform of a specific affiliated P2P company, the amount in the virtual account for P2P exchange transaction issued by the terminal 140 of the first investor Is transmitted through the open banking platform.

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

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

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

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

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

The communication unit 210 enables communication with computers, portable terminals, and other servers.

Specifically, the communication unit 210 transmits a P2P My Page product investment details when it is determined that the first investor is a registered investor through a process of logging in from the terminal of the first investor.

In addition, the communication unit 210 receives from the terminal of the first investor set a specific product of a non-affiliated P2P company to be sold among products owned by the first investor and an amount of a specific product.

In addition, the communication unit 210 receives a virtual account for P2P exchange transaction from the open banking platform, and when receiving a request to purchase a specific product from the terminal of the second investor, the second investor is a non-affiliated P2P company through the terminal of the second investor. We will send you the terms and conditions asking whether you agree to the contents of membership registration, investment information registration, and confirmation of investment limit availability on the platform.

In addition, the communication unit 210 receives the terms and conditions including the consent of the second investor from the terminal of the second investor and transmits the received terms to the platform of an unaffiliated P2P company.

In addition, the communication unit 210 issues a product transfer request to the terminal of the first investor that includes the transfer of a specific product from the first investor to the second investor, and includes the consent of the first investor from the terminal of the first investor. Receive a request for transfer of goods

In addition, the communication unit 210 transmits the received product transfer request to the platform of a non-affiliated P2P company, and completes the product transfer proving that the transfer of a specific product from the platform of the non-affiliated P2P company has been completed from the first investor to the second investor. Upon receipt of the certificate, the open banking platform transmits an order to remit the amount of the specific product deposited in the virtual account for P2P exchange transaction to the personal account of the first investor.

In addition, the communication unit 210, when it is confirmed that the terminal of the second investor has deposited the amount for a specific product in the virtual account for P2P exchange, the content that the second investor wants to purchase a specific product through the terminal of the first investor. Sends a purchase request guidance message including this.

In addition, the communication unit 210 transmits a purchase completion message including a content that the purchase has been completed to the terminal of the first investor and the terminal of the second investor.

In addition, when it is determined that the transfer of the specific product from the first investor to the second investor has failed or that the transfer of the specific product has not been made within a set time, the communication unit 210 may apply to the specific product deposited by the terminal of the second investor. After remittance of the amount to the second investor's personal account, a message indicating the failure to transfer is transmitted to the terminal of the first investor and the terminal of the second investor.

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

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

Specifically, the control unit 230 checks whether the terminal of the second investor has deposited the amount for the specific product in the virtual account for P2P exchange transaction.

In addition, the control unit 230 transmits a purchase completion message containing the content that the purchase has been completed to the terminal of the first investor and the terminal of the second investor from the communication unit 210, and then the investment details information of the first investor and the second investor Update.

In addition, the control unit 230 determines whether the transfer of the specific product from the first investor to the second investor has failed and whether the transfer of the specific product has been made within a set time specified by the manager.

3 is a diagram for explaining a right to receive principal and interest according to an embodiment of the present invention. First, as shown in FIG. 3, the demander of the money issues the principal and interest receivable to the linked financial company on the condition of receiving the necessary funds from the linked financial company.

Thereafter, the affiliated financial company entrusts the sale of the principal and interest receivable issued by the fund consumer to an online loan information broker (hereinafter referred to as a P2P company).

Thereafter, the platform of the P2P company recruits investors, and receives a predetermined amount of money on the condition of granting principal and interest receivables entrusted by the affiliated financial company to the recruited investors to meet the conditions of the P2P guide.

After that, the affiliated financial company will pay the money issued from the platform of the P2P company to the demander.

Here, the right to receive principal and interest refers to the right of the P2P investor to receive principal and interest from the platform of the P2P company after the funding product expires. Specifically, the reimbursement maturity date is specified in the principal and interest receivable right, so when the repayment maturity date arrives, the investor will receive the principal invested by the investor from the platform of the P2P company and interest on it.

4 is a view for explaining the role of a P2P exchange server in the principal and interest receivable transaction system according to an embodiment of the present invention. First, as shown in FIG. 4, investors registered as members of a P2P exchange may sell or buy principal and interest receivables with each other. For example, a seller who owns principal and interest receivables can trade mutual principal and interest receivables to a buyer, another investor, through a sale/purchase bulletin board.

Thereafter, the P2P exchange server checks the information for the transaction of the seller and the buyer. Specifically, the P2P exchange server automatically checks whether or not the principal and interest receivable that the seller wants to sell is an appropriately issued certificate through the platform of the P2P company that issued the certificate. In addition, the P2P exchange server automatically checks whether the principal and interest receivable that the buyer wants to purchase is issued by the P2P company to which the buyer subscribes, whether the buyer has exceeded the investment limit, and withholding information, etc. .

Thereafter, the P2P exchange server checks the above-described seller and buyer's confirmation, and if there is no abnormality, approves the transaction.

Thereafter, when the transaction is approved by the P2P exchange server, funds are transferred from the seller to the buyer through the dedicated virtual account of the subscriber of the exchange member. Here, it is also possible to transfer the funds directly from the P2P exchange server, but for transparency of funds, open banking platform or PG according to the opening of a virtual account and transfer of funds, direct deposit through an exchange account, seyfert, etc. Use the services of

As another method of transferring funds, funds may be transferred from the seller's virtual account of the P2P company's platform to the buyer's virtual account. In this case, after approval of the P2P exchange, the transfer can be processed directly on the platform of the P2P company, or the P2 exchange server can be entrusted to process the transfer.

Alternatively, funds may be transferred using the payment method of PG.

Thereafter, when the transaction is approved on the P2P exchange server, in the case of the affiliated P2P company's platform, the principal and interest recipient is changed from the seller to the buyer by updating the database. At this time, the subject of the withholding tax becomes the name of the former owner, the seller, until the interest on the principal and interest receivable is paid, and after the interest is paid, it becomes the name of the current owner, the buyer.

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

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

Thereafter, the P2P exchange server provides the investor with information on the funding product of the affiliated P2P company received from the affiliated P2P company. Specifically, when the P2P exchange server requests that a member who is a member of the P2P exchange to invest in the products of affiliated P2P companies, it checks the eligibility of the member's investment limit, etc., so that the member can invest. Here, the P2P exchange server transfers the information to the platform of the P2P company after the member's consent regarding the member's investment agreement.

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

6 is a diagram for explaining a content in which a P2P exchange server and a platform of an affiliated P2P company link mutual member information in the case of a new subscriber according to an embodiment of the present invention. First, as shown in FIG. 6, the investor accesses the P2P exchange server using the investor's terminal.

Thereafter, the investor's terminal displays the main screen of the P2P exchange, and displays the P2P exchange sign-up screen by the investor's selection. Thereafter, the P2P exchange server completes the P2P exchange subscription by receiving, for example, ID, password, name, contact information, and e-mail address information as subscription registration information from the investor's terminal.

Thereafter, when the P2P exchange server requests the linkage of the member information of the affiliated P2P company to the investor terminal, the P2P exchange server uses the information related to the affiliated P2P company from the investor terminal, for example, the personal information of the investor , The platform's ID, password or mobile phone number, name, date of birth), etc. are received, and the affiliated P2P company linking process is driven.

Thereafter, the P2P exchange server defines the new subscriber's personal information (CI generated after verifying the mobile phone's identity, the ID of the company's platform, password or mobile phone number, name, date of birth) and “issuing a unique key for member information” and defining it in advance. After encryption according to the encrypted module, it is transmitted to the platform of the affiliated P2P company.

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

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

FIG. 7 is a diagram for explaining contents in which a P2P exchange server and a platform of a new affiliated P2P company automatically link member information stored in the platform of a new affiliated P2P company according to an embodiment of the present invention. First, as shown in FIG. 7, when a P2P exchange selects a P2P company and a new P2P company, the platform of the new affiliated P2P company executes the member information linkage request module, and the new affiliated P2P company uses the P2P exchange server. Transmit member information held by the platform. For example, the platform of a new affiliated P2P company is a P2P exchange server, and the personal information of members held by the platform of the new affiliated P2P company (CI generated after verifying the identity of the mobile phone, ID, password or mobile phone number, name, date of birth) ), etc. are encrypted and transmitted according to a predefined encryption module.

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

If it is determined that the members who have joined the platform of the new affiliated P2P company on the P2P exchange server are members who have registered as members in the P2P exchange in advance, the P2P exchange server will have a unique member information issued at the time of membership registration at the P2P exchange. Reissue.

However, if it is determined that the members who have joined the platform of the new affiliated P2P company on the P2P exchange server are not members who have previously registered or withdrawn from the P2P exchange, the P2P exchange server will newly sign up as a member of the P2P exchange. , As a P2P company's platform, a newly issued member information unique key along with personal information (CI generated after verification of the mobile phone's identity, ID, password or mobile phone number, name, date of birth) of the company's platform according to a predefined encryption module Encrypted and transmitted.

Thereafter, the platform of the new affiliated P2P company executes the member information linking API, and the encrypted personal information received from the P2P exchange server (CI generated after verifying the identity of the mobile phone, ID, password or mobile phone number, name, date of birth) ) And the member information unique key are decrypted and stored according to a previously defined decryption module.

FIG. 8 is a diagram for explaining a content in which a P2P exchange server and a platform of a new affiliated P2P company manually interconnect member information stored in the platform of a new affiliated P2P company according to an embodiment of the present invention. First, as shown in FIG. 8, when a P2P exchange newly selects a P2P company and a new P2P company, the investor logs in to the P2P exchange server using the investor's terminal.

Thereafter, the investor's terminal displays a list of affiliate companies on the P2P My Page, and then displays the linkage status for each affiliate.

After that, the investor terminal clicks on the platform site of the US affiliated P2P company.

Thereafter, the platform of the unaffiliated P2P company executes the member information linkage request module, and transmits the member information held by the platform of the new affiliated P2P company to the P2P exchange server. For example, the platform of a new affiliated P2P company is a P2P exchange server, and the personal information of members held by the platform of the new affiliated P2P company (CI generated after verifying the identity of the mobile phone, ID, password or mobile phone number, name, date of birth) ), etc. are encrypted and transmitted according to a predefined encryption module.

Thereafter, the P2P exchange server completes the linkage with the platform site of the selected affiliated P2P company.

9 is a diagram for explaining content of synchronizing product investment details of a member requested to a platform of an affiliated P2P company according to an embodiment of the present invention. First, as shown in FIG. 9, the investor logs into the P2P exchange server using the investor's terminal. Thereafter, the P2P exchange server transmits the P2P My Page product investment details to the investor's terminal.

Thereafter, the P2P exchange server displays product investment details for each affiliated company (affiliated P2P company) on the investor terminal.

Thereafter, when the P2P exchange server selects to synchronize the investment details of affiliated company A by the investor terminal, the P2P exchange server requests product investment details to the platform of the affiliated P2P company. At this time, since the P2P exchange server transmits the member information unique key to the affiliated P2P company's platform, the affiliated P2P company's platform can specify the investor.

Thereafter, the affiliated P2P company's platform executes the product investment details API and transmits the requested member's product investment details to the P2P exchange server in response to a request for product investment details from the P2P exchange.

FIG. 10 is a diagram for explaining content in which a P2P exchange server according to an embodiment of the present invention directly receives investment details registered on a platform of an unaffiliated P2P company from an investor.

First, as shown in FIG. 10, the P2P exchange server according to an embodiment of the present invention receives a log-in request from the P2P exchange server from the investor's terminal.

Thereafter, if the investor is an investor registered as a member on the P2P exchange server, the P2P exchange server displays the P2P My Page product investment details on the investor terminal.

Thereafter, the P2P exchange server displays the product investment details for each partner company on the investor terminal, and then receives the selection of manual investment details registration from the investor terminal.

Thereafter, the P2P exchange server receives the investment information registered by the investor on the platform of the unaffiliated P2P company from the investor terminal, and completes the registration of the unaffiliated investment details.

Thereafter, the P2P exchange server checks whether the investment details certificate has been submitted from the investor within the set period after completing the registration of the non-affiliated investment details. Specifically, the P2P exchange server can trade principal and interest receivables for investors only when it confirms that a copy of the investment details certificate or a copy of the bankbook details certificate has been submitted from the investor terminal within the set period after completing the registration of the unaffiliated investment details.

At this time, if the P2P exchange server confirms that the copy of the investment details certificate or the copy of the bankbook details certificate has not been transmitted from the investor terminal within the set period, it is left as an uncertified product and the investor cannot sell the investment details.

11 is a view for explaining a principal and interest receivable transaction with a P2P company affiliated with a P2P exchange server according to an embodiment of the present invention. Hereinafter, for convenience of explanation, principal and interest receivables will be referred to as a product, a person who wants to sell principal and interest receivables among investors as a seller, and a person who wants to purchase principal and interest receivables among investors as a buyer. In addition, both sellers and buyers are members who are registered as members of the P2P exchange, and P2P companies are companies that have previously affiliated with the P2P exchange.

First, as shown in FIG. 11, the seller logs in by accessing the P2P exchange server using the seller terminal. Thereafter, the P2P exchange server transmits the P2P My Page product investment details to the seller terminal, and the seller terminal displays the product investment details invested by the seller.

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

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

It can also be implemented so that transactions are made through an open banking platform or a payment method through a PG company.

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

Thereafter, the P2P exchange server inquires whether or not the product selected by the purchaser can be purchased through the platform of the affiliated P2P company. On May 29, 2017, it is possible for individual investors to invest up to 10 million won per P2P company, and up to 5 million won for the same borrower, and 10 million won in different P2 companies. This is because it conforms to the changed P2P investment guide.

Thereafter, the affiliated P2P company's platform executes the member information linking API to determine whether the purchaser who wants to purchase the product is registered as a member of the affiliated P2P company, and processes new subscriptions when registering as a non-member, and determines whether other new subscriptions are made. The response is sent to the P2P exchange server. At this time, when the platform of the affiliated P2P company determines that the purchaser is a new subscriber, the platform of the affiliated P2P company executes the virtual account issuance API and transmits withholding information to the P2P exchange server to issue a virtual account.

If, in the affiliated P2P company's platform, the purchaser is determined to be a member who has already registered as a member, the affiliated P2P company's platform executes an investment availability inquiry API, inquires the investment limit, and responds to the investment availability at the P2P exchange. Send it to the server.

If the P2P exchange server receives a response from the partner P2P company's platform that it is possible to purchase the product that the buyer wants to purchase, the P2P exchange server can invest in the product through the buyer's terminal, and the amount for the product is transferred to the P2P exchange. Sends a message asking you to deposit money into your virtual account.

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

Thereafter, when the P2P exchange server confirms that the purchase amount of the product has been deposited into the virtual account for the P2P exchange transaction, the P2P exchange server executes the bond transfer logic.

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

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

At this time, if the bond transfer is successful after executing the bond transfer logic in the P2P exchange server, the P2P exchange server transmits a notification message indicating that the purchase has been completed to the terminals of the buyer and seller, and updates the investment details information.

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

12 is a view for explaining a principal and interest receivable transaction with an unaffiliated P2P company by a P2P exchange server according to an embodiment of the present invention. Hereinafter, for convenience of explanation, principal and interest receivables will be referred to as a product, a person who wants to sell principal and interest receivables among investors as a seller, and a person who wants to purchase principal and interest receivables among investors as a buyer. In addition, both sellers and buyers are members registered as members of the P2P exchange, and P2P companies are U.S. affiliates that have not previously entered into partnership with the P2P exchange.

First, as shown in FIG. 12, the seller logs in by accessing the P2P exchange server using the seller terminal. Thereafter, the P2P exchange server transmits the P2P My Page product investment details to the seller terminal, and the seller terminal displays the product investment details invested by the seller.

Thereafter, the seller terminal is selected as a product for which a specific product is to be sold among products sold by non-affiliated P2P companies according to the seller's selection, and receives the sales price of the specific product.

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

It can also be implemented so that transactions are made through an open banking platform or a payment method through a PG company.

Thereafter, the purchaser logs in by accessing the P2P exchange server using the purchaser terminal. Thereafter, the P2P exchange server transmits the product sales list to the purchaser terminal, and the purchaser terminal is selected as a product to purchase a specific product among the products sold by unaffiliated P2P companies according to the purchaser's selection.

Thereafter, the P2P exchange server checks whether the product selected by the buyer is a product available for sale.

If the P2P exchange server determines that the product selected by the purchaser is a sellable product, the P2P exchange server transmits the terms and conditions including predetermined contents to the purchaser's terminal. Here, the terms and conditions that include predetermined contents refer to terms and conditions that allow the purchaser to sign up for membership, register investment information, and confirm the possibility of investment limit on the platform of an unaffiliated P2P company. In other words, the P2P exchange server transmits the above-described terms and conditions to the purchaser terminal in order to receive consent from the purchaser on whether to join the platform of an unaffiliated P2P company, consent on whether to register investment information, and confirm whether the investment limit is possible. .

If the buyer's terminal receives a signature from the buyer that agrees to the above terms and conditions, the P2P exchange server confirms that the buyer's signature that the buyer agrees to the above terms and conditions has been entered through the buyer's terminal, and the buyer's consent is included. Transmit the terms and conditions to the platform of a non-affiliated P2P company.

Here, since the P2P exchange server is not affiliated with the P2P company's platform, communication cannot be performed by linking member information, but the terms and conditions containing the buyer's consent are sent to the platform of the unaffiliated P2P company by e-mail, etc. Can be transmitted. For example, the P2P exchange server may transform the terms and conditions including the purchaser's consent into a set electronic document and transmit it to the platform of an unaffiliated P2P company. For another example, the buyer directly submits the terms and conditions containing the buyer's consent to the non-affiliated P2P company offline, so that the buyer joins the platform of the non-affiliated P2P company and registers investment information on the platform of the non-affiliated P2P company. And it is possible to confirm the intention to agree to the confirmation of the possibility of the tuition limit.

Thereafter, the platform of the non-affiliated P2P company registers a member with the platform of the non-affiliated P2P company for the buyer, completes the registration of investment information, and completes so that the buyer can confirm the possibility of the investment limit.

Thereafter, the P2P exchange server checks whether the purchaser has deposited the product sales amount into the P2P exchange transaction virtual account issued from the open banking platform.

If the P2P exchange server confirms that the purchaser has deposited the product sales amount into the P2P exchange transaction virtual account, the P2P exchange server transmits a purchase request guidance message to the seller's terminal.

Thereafter, the seller logs in by accessing the P2P exchange server using the seller's terminal. Thereafter, the P2P exchange server transmits the P2P My Page product investment details to the seller terminal, and the seller's terminal displays the product investment details invested by the seller.

At this time, the P2P exchange server receives a request for issuance of a bond transfer request according to the seller's selection, and transmits the bond transfer request to the seller's terminal.

Thereafter, the seller's terminal displays the bond transfer request received from the P2P exchange server, receives an electronic signature from the seller, and transmits the bond transfer request including the seller's electronic signature to the P2P exchange server.

Thereafter, the P2P exchange server transmits a bond transfer request including the seller's electronic signature from the seller's terminal to the platform of an unaffiliated P2P company.

Thereafter, the platform of the non-affiliated P2P company receives the bond transfer request form containing the seller's electronic signature from the P2P exchange server, completes the bond transfer, and transmits the bond transfer completion certificate to the P2P exchange server.

Thereafter, the P2P exchange server receives a certificate of completion of the bond transfer from the platform of the non-affiliated P2P company, and confirms that the bond transfer operation has been completed on the platform of the non-affiliated P2P company.

Thereafter, the P2P exchange server transmits a command to remit the sales amount of goods deposited in the virtual account for P2P exchange transaction to the seller's personal account to the open banking platform.

Thereafter, the open banking platform transfers the amount of product sales deposited by the buyer to the seller's personal account, and then recovers the issued virtual account.

Thereafter, the P2P exchange server transmits a purchase completion message to the terminals of the seller and the buyer, and updates the information on the investment details of the seller and the buyer.

If it is determined that the transfer of bonds from the P2P exchange server fails or exceeds the set period specified by the administrator of the P2P exchange server, the P2P exchange server automatically remits the amount deposited by the purchaser to the purchaser's personal account, and then It is also possible to send a message indicating the transfer failure to the seller's terminal.

In one embodiment of the present invention, an embodiment in which the P2P exchange server transmits the bond transfer request including the seller's electronic signature from the seller's terminal to the server of an unaffiliated P2P company has been described, but the seller makes an electronic signature on the bond transfer request. Alternatively, the seller may directly visit a non-affiliated P2P company or submit a bond transfer request by mail or fax, and request that the non-affiliated P2P company complete the bond transfer directly.

FIG. 13 is a diagram for explaining contents of collecting a product information list from a platform of an affiliated P2P company in a P2P exchange server according to an embodiment of the present invention. First, as shown in FIG. 13, the P2P exchange server executes a P2P product list collection module and then requests a product list held by the affiliated P2P company's platform.

Thereafter, the affiliated P2P company's platform executes the product list linkage API and transmits the product list held by the affiliated P2P company's platform to the P2P exchange server.

For example, if the P2P company affiliated with the P2P exchange server is Company A, Company B, and Company C, the P2P exchange server will sequentially or simultaneously display the product list on the platform of the affiliated P2P companies of Company A, Company B and Company C. You can also ask.

14 is a view for explaining the content of using JavaScript when investing a new product in an affiliated P2P company according to an embodiment of the present invention. First, as shown in FIG. 14, an investor logs in to a P2P exchange server using an investor terminal to invest a new product in an affiliated P2P company.

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

In this case, the product detail page or the investment completion page may be essentially applied with Javascript provided by the P2P exchange server.

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

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

Thereafter, the platform of the affiliated P2P company proceeds to invest and completes the investment according to the investors' choice. At this time, the platform of the affiliated P2P company runs the P2P exchange JavaScript, checks the product unique key, checks whether the investor has succeeded until investment completion, and then informs the P2P exchange server.

15 is a view for explaining the content of investing a new product in an affiliated P2P company using an open banking platform according to an embodiment of the present invention. First, as shown in FIG. 15, an investor logs in to a P2P exchange server using an investor terminal to invest a new product in an affiliated P2P company.

Thereafter, the P2P exchange server transmits a list of new P2P products to the investor's terminal, and the investor's terminal selects the product sold by a specific P2P partner among affiliated P2P companies at the investor's selection, Whether purchase is possible is inquired through the platform of the affiliated P2P company.

Thereafter, the affiliated P2P company's platform executes the member information linking API to determine whether the purchaser who wants to purchase the product is registered as a member of the affiliated P2P company, and processes new subscriptions when registering as a non-member, and determines whether other new subscriptions are made. The response is sent to the P2P exchange server. At this time, when the platform of the affiliated P2P company determines that the purchaser is a new subscriber, the platform of the affiliated P2P company executes the virtual account issuance API and transmits withholding information to the P2P exchange server to issue a virtual account.

If, in the affiliated P2P company's platform, the purchaser is determined to be a member who has already registered as a member, the affiliated P2P company's platform executes an investment availability inquiry API, inquires the investment limit, and responds to the investment availability at the P2P exchange. Send it to the server.

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

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

Thereafter, the P2P exchange server determines whether the amount of deposits deposited in the affiliated P2P company is insufficient to invest the product selected by the investor.

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

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

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

If it is determined that the deposit deposited in the affiliated P2P company is insufficient to invest the product selected by the investor on the P2P exchange server, the P2P exchange server queries the P2P exchange deposit with the open banking platform.

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

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

Accordingly, when all new product investments by the investor are completed, the P2P exchange server executes the investment completion reception API and transmits a message indicating that the customer's investment has been completed to the platform of the affiliated P2P company.

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

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

Thereafter, the P2P exchange server transmits related data so that the P2P My Page can be displayed on the investor terminal, and then checks whether or not an integrated receipt request has been received from the investor terminal. Here, the integrated receipt request is a request to manage the investment money as one, and is a request to manage the principal invested by the investor and the proceeds from the principal in one account.

Thereafter, the platform of the affiliated P2P company executes the integrated receipt linkage API, searches for member information received from the P2P exchange server, and stores whether or not the integrated receipt.

Thereafter, in the event of a product's proceeds or principal redemption date, the partner P2P company's platform will be deposited into the open banking platform's investor-only virtual account when the investment including the proceeds and principal is deposited into the customer virtual account of the partner P2P company Transfer the investment.

Thereafter, the P2P exchange server inquires the account number of the investor-only virtual account issued by the open banking platform as an open banking platform.

Finally, the platform of the affiliated P2P company executes the redemption completion module and delivers the member information key, product number, product type, redemption amount and product status to the P2P exchange server, and the P2P exchange server executes the redemption completion reception API. Complete the consolidated receipt request.

17 is a diagram for explaining an investment household account book function among investment money management functions of a P2P exchange server according to an embodiment of the present invention. First, as shown in FIG. 14, an investor logs in by accessing a P2P exchange server using an investor terminal.

Thereafter, the P2P exchange server transmits related data to the investor terminal so that the P2P My Page can be displayed on the investor terminal.

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

Thereafter, the P2P exchange server manages P2P investment details and creates a P2P investment report.

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

The steps of the method or algorithm described in connection with the embodiments disclosed herein may be directly implemented by hardware, software modules, or a combination of the two executed by a processor. The software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, register, hard disk, removable disk, CD-ROM or any other type of storage medium known in the art. An exemplary storage medium is coupled to a processor, which processor is capable of reading information from and writing information to the storage medium. Alternatively, the storage medium may be integral with the processor. The processor and storage media may reside within an application specific integrated circuit (ASIC). The ASIC may reside within the user terminal. Alternatively, the processor and storage medium may reside as separate components within the user terminal.

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

110 P2P affiliate platform
120 P2P Exchange Server
130 open banking platform
140 First investor terminal and second investor terminal
200 P2P Exchange Server
210 Communication Department
220 storage
230 control unit

Claims (5)

From the terminal of the first investor, a specific product of an unaffiliated P2P (Peer to Peer) company to sell among the products owned by the first investor and the amount for the specific product are set, and from the open banking platform When receiving a virtual account for P2P exchange transaction and receiving a request to purchase the specific product from the terminal of the second investor, the second investor joins the platform of an unaffiliated P2P company through the terminal of the second investor and registers investment information And transmits the terms and conditions asking whether to agree to the contents of the investment limit availability confirmation indicating whether the investment is possible by querying the investment limit, and the terms and conditions including the consent of the second investor from the terminal of the second investor. Upon receipt of, a product transfer request that transmits the received terms to the platform of the non-affiliated P2P company, and transfers the specific product from the first investor to the second investor to the terminal of the first investor Issuance, and receiving the product transfer request containing the consent of the first investor from the terminal of the first investor, transmitting the received product transfer request to the platform of the non-affiliated P2P company, and the non-affiliated P2P When a product transfer completion certificate certifying that the specific product has been transferred from the first investor to the second investor is received from the platform of the company, the specific product deposited in the virtual account for trading on the P2P exchange through the open banking platform A P2P exchange server that transmits an instruction to remit the amount for the product to the personal account of the first investor,
A P2P exchange escrow account, a derivative account derived from a P2P exchange parent account, is issued to the P2P exchange server, and the specific product is issued between the terminal of the first investor and the terminal of the second investor. When the sale is completed, the open banking platform to recover the issued P2P exchange escrow account,
By receiving the terms and conditions including the consent of the second investor from the P2P exchange server, approving the membership registration of the second investor, registration of investment information, and confirmation of investment limit availability, and the first investor's Including the platform of the non-affiliated P2P company, which receives the product transfer request containing consent, and after completing the product transfer operation for the specific product, transmits the product transfer completion certificate to the P2P exchange server,
The P2P exchange server,
When it is confirmed that the terminal of the second investor has deposited the amount for the specific product in the virtual account for trading on the P2P exchange, the content that the second investor wants to purchase the specific product through the terminal of the first investor Send the included purchase request guidance message,
The P2P exchange server,
After transmitting a purchase completion message including a purchase completion message to the terminal of the first investor and the terminal of the second investor, the investment details information of the first investor and the second investor is updated,
The P2P exchange server,
When it is determined that the transfer of the specific product from the first investor to the second investor has failed or the transfer of the specific product has not been made within a set time, the specific product deposited by the terminal of the second investor is After remittance of the amount to the personal account of the second investor, a message indicating transfer failure is transmitted to the terminal of the first investor and the terminal of the second investor,
The above non-affiliated P2P companies
It is a P2P company that is not affiliated with the above P2P exchange,
The P2P exchange server
As a confirmation of the seller for the seller who owns the principal and interest receivable, it is confirmed through the platform of the P2P company that issued the certificate whether the principal and the principal receivable certificate of the principal and interest receivable that the seller wants to sell is a properly issued certificate, and other investors As a confirmation item for the buyer, the buyer confirms whether the certificate of the principal and interest receivable that the buyer wants to purchase is issued by the P2P company to which the buyer subscribes, and
The P2P exchange server
After executing the P2P member information inquiry API, the new affiliate P2P receives the member information held by the platform of the new affiliate P2P company from the platform of the new affiliate P2P company, and performs the member information check step based on the received member information. When it is determined whether the members registered as members of the company's platform are members of the P2P exchange, and as a result of the determination, the members registered as members of the new affiliated P2P company's platform on the P2P exchange server are determined to be members registered on the P2P exchange , When the member information unique key issued at the time of membership registration on the first P2P exchange is reissued, and it is determined that the members registered as members on the platform of the new affiliated P2P company are not members registered on the P2P exchange or are members who have withdrawn , Registering members who have joined the platform of the new affiliated P2P company as members of the P2P exchange,
The P2P exchange server
Check whether the investor's terminal has received a request for integrated receipt, which is a request to manage the principal invested by the investor and the proceeds from the principal,
After executing the integrated receipt linkage API, after querying with the member information received from the P2P exchange server, store the integrated receipt, and if a product proceeds or principal redemption date occurs, proceeds and principal money in the customer virtual account of the affiliated P2P company. When the included investment is deposited, the deposited investment is transferred to the investor-only virtual account of the open banking platform, and the redemption completion module is executed, and the member information key, product number, product type, redemption amount, and product status are displayed at the P2P exchange. Principal and interest receivable transaction system through non-affiliated P2P companies, further including the platform of affiliated P2P companies that are delivered to the server
delete delete delete Receiving a specific product of a non-affiliated P2P company to be sold among products owned by the first investor from a terminal of the first investor and an amount of the specific product set by the P2P exchange server;
In the P2P exchange server, when a virtual account for P2P exchange transaction is issued from the open banking platform, and a request to purchase the specific product is received from the terminal of the second investor, the second investor is unaffiliated with the terminal of the second investor. Transmitting a terms and conditions asking whether to agree to the contents of the confirmation of the possibility of investment limit indicating whether or not investment is possible by registering a member, registering investment information, and inquiring the investment limit on the platform of the company;
Receiving the terms and conditions including the consent of the second investor from the terminal of the second investor at the P2P exchange server, and transmitting the received terms to the platform of the unaffiliated P2P company;
Issuing, at the P2P exchange server, a product transfer request that includes a transfer of the specific product from the first investor to the second investor to the terminal of the first investor;
Receiving, at the P2P exchange server, the product transfer request including the consent of the first investor from the terminal of the first investor, and transmitting the received product transfer request to the platform of the unaffiliated P2P company;
When the P2P exchange server receives a product transfer completion certificate certifying that the specific product has been transferred from the first investor to the second investor from the platform of the unaffiliated P2P company, the P2P Transmitting an instruction to remit the amount of the specific product deposited in the virtual account for exchange transaction to the personal account of the first investor;
Issuing a P2P exchange escrow account, which is a derivative account derived from a P2P exchange parent account, to the P2P exchange server in the open banking platform;
In the open banking platform, when the sale of the specific product between the terminal of the first investor and the terminal of the second investor is completed, recovering the issued P2P exchange escrow account;
Receiving the terms and conditions including the consent of the second investor from the P2P exchange server on the platform of the non-affiliated P2P company, and approving the second investor's membership registration, investment information registration, and confirmation of investment limit availability;
Receiving the product transfer request including the consent of the first investor from the P2P exchange server on the platform of the unaffiliated P2P company, and completing a product transfer operation for the specific product; And
In the platform of the non-affiliated P2P company, including the step of transmitting the product transfer completion certificate to the P2P exchange server,
In the P2P exchange server, when it is confirmed that the terminal of the second investor has deposited the amount for the specific product in the virtual account for trading on the P2P exchange, the second investor transfers the specific product to the terminal of the first investor. Transmitting a purchase request guidance message including a request for purchase;
The P2P exchange server transmits a purchase completion message including a purchase completion message to the terminal of the first investor and the terminal of the second investor, and then updates the investment details information of the first investor and the second investor. Step to do;
When the P2P exchange server determines that the transfer of the specific product from the first investor to the second investor has failed or that the transfer of the specific product has not been made within a set time, the second investor's terminal deposits Remittance of the amount of the specific product to the personal account of the second investor, and then transmitting a message indicating failure to transfer to the terminal of the first investor and the terminal of the second investor;
In the P2P exchange server, a platform of a P2P company that issued a certificate to confirm whether the certificate of principal and interest receivable of the principal and interest receivable that the seller wants to sell is a certificate issued by the seller as a confirmation of the seller who owns the principal and interest receivable. Confirming through and confirming whether the certificate of the principal and interest receivable that the buyer wants to purchase is issued by a P2P company to which the buyer has joined as a buyer confirmation item for a buyer who is another investor;
After executing the P2P member information inquiry API on the P2P exchange server, the member information held by the platform of the new affiliated P2P company is received from the platform of the new affiliated P2P company, and based on the received member information, the member information check step is performed. Therefore, it is determined whether the members who have joined the platform of the new affiliated P2P company are members of the P2P exchange, and as a result of the determination, the members who have joined the platform of the new affiliated P2P company in the P2P exchange server are registered as members of the P2P exchange. If it is determined that the member is a member, the member information unique key issued at the time of membership registration on the first P2P exchange is reissued, and the members registered as members on the platform of the new affiliated P2P company are not members registered on the P2P exchange or have withdrawn. If it is determined that the member is a member, registering members who have joined the platform of the new affiliated P2P company as members of the P2P exchange;
Checking, at the P2P exchange server, whether an integrated receipt request, which is a request for managing the principal invested by the investor and the proceeds of the principal, from the investor terminal, is received from the investor terminal; And
After executing the integrated receipt linkage API on the affiliated P2P company's platform, after querying the member information received from the P2P exchange server, storing the integrated receipt, and when a product profit or principal redemption date occurs, the affiliated P2P company's customer When the investment including proceeds and principal is deposited into the virtual account, the deposited investment is transferred to the investor-only virtual account of the open banking platform and executes the redemption completion module, member information key, product number, product type, redemption amount, and Further comprising the step of transmitting the product status to the P2P exchange server,
Non-affiliated P2P companies above
A method of trading principal and interest receivables through non-affiliated P2P companies, which are P2P companies that are not affiliated with the above P2P exchange.

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