KR102383771B1 - Method and system for operating investment-linked loan service with atypical-data - Google Patents

Abstract

In accordance with the present invention, a method of operating an investment-linked loan service by using atypical data includes the following steps of: receiving a loan request signal including typical data and atypical data of a borrower from a borrower terminal; transmitting a signal to request credit data of the borrower to a credit information server based on the typical data of the borrower; receiving the credit data of the borrower from the credit information server; determining whether the borrower is eligible for the loan based on the typical data and the credit data of the borrower; creating an investment finance product including a target investment amount, a set interest rate and a set repayment period based on the atypical data of the borrower; transmitting the created investment finance product to a plurality of investor terminals; receiving an investment request signal including an investment intention and an intended investment amount from an investor terminal of an investor who intends to invest, among the plurality of investor terminals; when the total of the intended investment amount is no less than the target investment amount based on the received investment request signal, transmitting an account opening request signal to request an affiliated finance institution server for the opening of an account related with the investment finance product; and transmitting an investment payment request signal including account information about the related account to the investor terminal having transmitted the investment request signal. Therefore, the present invention is capable of reducing disadvantages caused by a shortage of credit information.

Description

{Method and system for operating investment-linked loan service with atypical-data}

The present invention relates to a method and system for operating an investment-linked loan service using unstructured data, and in particular, to a method of operating an investment-linked loan service that creates an investment-linked loan product using unstructured data of college students with no or low credit ratings. will be.

In the conventional loan business, it is common for an individual who wants a loan to provide his/her credit information to a professional lending institution such as a bank or a loan company, and to inquire about loanable conditions and apply for a loan. As such, the current lending practices led by banks and private lenders have problems with high loan interest and fees, and it is difficult to protect the rights and interests of loan applicants in good faith from collection companies that have an exclusive contract with the relevant institution.

In addition, although the conventional loan market continues to grow, significant inefficiencies and costs are incurred in transactions. In the case of loan transactions between borrowers and investors, the number and conditions of possible transactions are limited, and in the case of loans between individuals and institutions, the interest rate and related transaction costs are very high.

Therefore, borrowers who wish to borrow by providing loanable conditions through efficient loan intermediary through the Internet and receiving loan applications faster at low interest rates, and by collecting small amounts of multiple borrowers and providing loans to loan applicants It is necessary to develop a system and method that allows investors to receive loans at a lower price than market interest rates and invest their funds to borrowers who want them.

Accordingly, the platform operator may receive an investment from a plurality of investors and provide a loan to a borrower matched with the investors based on the investment. Here, in some cases, the platform operator may provide a loan to the borrower through a loan company in a contractual relationship.

However, about 10 million people with little or no financial transaction record, such as college students or first-timers, are classified as 'thin filers' and receive a credit rating of 4-6. They cannot use a bank with a low interest rate, and even if they use a second financial institution with a high interest rate or use a bank, they are paying higher interest rates than those of grades 1 to 3.

Korean Patent Laid-Open Publication No. 10-2019-0061054 "System and method for non-public bidding mutual communication credit loan (system and method for non-public bidding mutual communication credit loan)"

Accordingly, the development of a system and operating method that enables representative university students of 'those who lack credit information' with little financial transaction record to receive loans at a lower price than market interest rates, look at the possibilities of university students, and invest in products tailored to university students necessity is raised

The present invention is a loan brokerage that enables borrowers to obtain loans faster and at low interest rates and invest in investment products that investors want by receiving loan applications as an efficient loan brokerage online and providing information on investment products to investors. The purpose of the present invention is to provide a method for providing a system and service.

In addition, an object of the present invention is to provide a loan brokerage system and a service providing method for planning an investment product based on structured data and unstructured data input by college students, and recruiting investors based on this.

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

An investment-linked loan service operating method using unstructured data according to an embodiment of the present invention comprises: receiving, in a platform server, a loan application signal including a borrower's structured data and unstructured data from a borrower terminal; transmitting, in the platform server, a signal requesting the credit data of the borrower to a credit information server based on the structured data of the borrower, and receiving the credit data of the borrower from the credit information server; determining, in the platform server, loan eligibility of the borrower based on the borrower's structured data and credit data; generating, in the platform server, an investment financial product including a target investment amount, a set interest rate, and a set repayment period, based on the borrower's atypical data; In the platform server, transmitting the generated investment financial product to a plurality of investor terminals, and receiving an investment application signal including an investment intention and an investment intention amount from an investor terminal of an investor with an investment intention among the plurality of investor terminals step; In the platform server, when the total amount of the investment intention is equal to or greater than the target investment amount based on the received investment application signal, an account opening request for requesting an account opening for an account related to the investment financial product to the affiliated financial institution server transmitting a signal; and transmitting, in the platform server, an investment payment request signal including account information for the associated account to the investor terminal that has transmitted the investment application signal.

The structured data includes the borrower's name, resident registration number, date of birth, gender, contact information, school, department, and account information, and the unstructured data between the borrower includes loan expectations, loan interest, target repayment period, internship experience, qualifications, language credits, It includes external activities, future hopes, part-time work experience, awards, contest participation, school activities, volunteer experience, and overseas training experience.

The borrower's credit data includes the borrower's name, resident registration number, date of birth, gender, and contact information, and the determining of the borrower's loan eligibility comprises comparing the structured data with the credit data, and based on the comparison result, the borrower determine loan eligibility.

The borrower's credit data further includes the borrower's outstanding debt amount, the number of delinquency, credit rating, and bankruptcy, and the step of determining the loan eligibility of the borrower includes a name and resident registration number included in each of the structured data and the credit data. , date of birth, gender and contact information all match, and if at least one of the borrower's outstanding debt amount, delinquency count, and bankruptcy included in the credit data is met, it is determined that the borrower's loan application is ineligible.

The step of generating the investment financial product includes the desired loan amount, loan interest, repayment plan, income or not, career information, certification information, language credits, external activities, future hope, part-time work, awards, and competition included in the atypical data. The target investment amount, the set interest rate, and the set repayment institution are calculated based on participation details, school activities, volunteer experience, and overseas training experience, and the calculated target investment amount, the calculated set interest rate and the calculated Create an investment financial product including a set repayment institution.

The generating of the investment financial product includes calculating a first weight, a second weight, and a third weight for calculating the target investment amount, the set interest rate, and the set repayment period based on the atypical data, and the calculated The target investment amount is calculated by multiplying a first weight by the desired loan amount, the set interest rate is calculated by multiplying the calculated second weight by the loan interest, and the calculated third weight is multiplied by the target repayment period The set repayment period is calculated, and an investment financial product including the calculated target investment amount, the calculated set interest rate, and the calculated set repayment institution is generated.

The first weight, the second weight, and the third weight are trained to output first, second, and third weights of unstructured data input by a training data set including unstructured data for learning and first, second, and third weights for learning. It is calculated by an artificial neural network.

The platform server according to another embodiment of the present invention performs an investment-linked loan service operating method using unstructured data according to an embodiment of the present invention.

A computer-readable recording medium according to another embodiment of the present invention includes a program for performing an investment-linked loan service operating method using unstructured data according to an embodiment of the present invention.

According to the embodiments of the present invention, there are at least the following effects.

According to the technical idea of the present invention, the platform may receive and provide structured data and unstructured data as well as the conventional credit information of borrowers to assist investors in making investment decisions.

In addition, in a different way from conventional P2P loans, investment products are planned and proposed based on unstructured data including loan conditions directly presented by university students (borrowers), and the disadvantages caused by lack of credit information It is possible to reduce the cost and obtain data that can increase the possibility of investors recovering their investment.

Therefore, in the case of a small investment that requires urgent power, it is possible to set up a loan freely and quickly between the investor and the borrower, thereby resolving the financial difficulties of the college students who had no choice but to rely on financing through the conventional high-interest secondary financial sector. can do.

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

1 is a block diagram for explaining an investment-linked loan system using unstructured data according to an embodiment of the present invention.
2 is a block diagram for explaining the detailed configuration of the memory unit of the investment-linked loan system using unstructured data according to an embodiment of the present invention.
3 is a block diagram for explaining the detailed configuration of the management unit of the loan brokerage system utilizing unstructured data according to another embodiment of the present invention.
4 is a flowchart of an investment-linked loan service operating method using unstructured data according to an embodiment of the present invention.
5 is an event diagram of an investment-linked loan service operating method using unstructured data according to an embodiment of the present invention.
6A to 6H are exemplary diagrams illustrating an interface of a loan brokerage service using unstructured data according to an embodiment of the present invention.

Advantages and features of the present disclosure, and methods of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the technical spirit of the present disclosure is not limited to the following embodiments, but may be implemented in various different forms, and only the following embodiments complete the technical spirit of the present disclosure, and in the technical field to which the present disclosure belongs It is provided to fully inform those of ordinary skill in the scope of the present disclosure, and the technical spirit of the present disclosure is only defined by the scope of the claims.

In adding reference numerals to the components of each drawing, it should be noted that the same components are given the same reference numerals as much as possible even though they are indicated on different drawings. In addition, in describing the present disclosure, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present disclosure, the detailed description thereof will be omitted.

Unless otherwise defined, all terms (including technical and scientific terms) used herein may be used with the meaning commonly understood by those of ordinary skill in the art to which this disclosure belongs. In addition, terms defined in a commonly used dictionary are not to be interpreted ideally or excessively unless clearly defined in particular. The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present disclosure. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase.

In addition, in describing the components of the present disclosure, terms such as first, second, A, B, (a), (b), etc. may be used. These terms are only for distinguishing the elements from other elements, and the essence, order, or order of the elements are not limited by the terms. When it is described that a component is “connected”, “coupled” or “connected” to another component, the component may be directly connected or connected to the other component, but another component is formed between each component. It should be understood that elements may also be “connected,” “coupled,” or “connected.”

As used herein, “comprises” and/or “comprising” refers to a referenced component, step, operation, and/or component of one or more other components, steps, operations and/or components. The presence or addition is not excluded.

A component included in one embodiment and a component having a common function may be described using the same name in another embodiment. Unless otherwise stated, the description in any one embodiment The description may be applied to other embodiments, and the detailed description may be omitted within the overlapping range or within the range that can be clearly understood by those skilled in the art.

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

Unlike existing investment products and loan products, the present invention provides a platform for loan applicants to decide whether to invest by determining the interest rate, loan amount limit, repayment period, etc. It is characterized in that the server is in charge of reviewing the basic requirements of the loan applicant and brokering funds and information. For the stability of transactions, the platform server can secure, collect, and deliver unstructured data about loan applicants to investors separately from the review of basic requirements of loan applicants.

1 is a block diagram for explaining an investment-linked loan system using unstructured data according to an embodiment of the present invention.

The loan intermediary system according to an embodiment may include a platform server 100 , a credit information server 200 , an affiliated financial institution server 300 , a borrower terminal 400 , and an investor terminal 500 . The platform server 100 transmits and receives data to and from the credit information server 200 , the affiliated financial institution server 300 , the borrower terminal 400 and the investor terminal 500 , processes data, and receives and stores the processed data At the same time, it provides feedback on tasks performed in each server and terminal. For example, the platform server 100 may be configured using a cloud computing interface.

According to the embodiment, the platform server 100 is composed of a server operated by a platform operator that operates a platform that brokers loans, and the name, date of birth, gender, contact information, school, department, account information input and received by the loan applicant. Structured data such as fixed data such as loan request received by the loan applicant, loan interest, target repayment period, career information, certification information, language grades, external activities, future hopes, disposition, etc. unstructured data received by investors A memory unit 110 that can store information such as investor data such as name, date of birth, contact information, linked account information, investment money information, bond information, recovery target rate, and credit information of the loan applicant received from the credit information server 200; Based on the credit information received from the management unit 120 that can manage investment products, contracts, loans and investment recovery risk, the structured data and unstructured data input and received by the loan applicant, and the credit information server 200, the loan applicant A communication unit capable of exchanging electrical data with the screening unit 130 that determines whether or not the loan is eligible, and the credit information server 200, the affiliated financial institution server 300, the borrower terminal 400, and the investor terminal 500 ( 140) may be included.

The credit information server 200 may be configured as a server of a credit information inquiry agency that has a contractual relationship with a platform operator. The credit information server 200 may receive the structured data of the loan applicant at the request of the platform operator, generate credit information data of the loan applicant, and transmit it to the platform operator.

The affiliated financial institution server 300 may be configured as a server operated by an affiliated financial institution (loan executor) that has a contractual relationship with a platform operator. The affiliated financial institution server 300 may create an account corresponding to the investment product according to the request of the platform operator, and through this, may perform the role of entrusting the investment of the investor. In addition, the affiliated financial institution server 300 may transfer the investment to a loan applicant who is eligible for a loan, and may be used as a channel for repayment of interest and principal and interest. The borrower terminal 400 and the investor terminal 500 connect to the loan intermediary platform server 100 through an App installed in each terminal, a message including a URL (Uniform Resource Locator), or the web, and transmit and receive data. there is. The borrower terminal 400 and the investor terminal 500 may be a terminal device having an input/output device and an information processing device, such as a smart phone, PC, PDA, laptop, or tablet PC, but is not limited thereto.

2 is a block diagram for explaining the detailed configuration of the memory unit of the investment-linked loan system using unstructured data according to an embodiment of the present invention.

The memory unit 110 according to an embodiment of the present invention may include a structured data storage unit 111 , an unstructured data storage unit 113 , a credit data storage unit 115 , and an investor data storage unit 117 . there is.

The structured data storage unit 111 may store structured data such as name, date of birth, address, gender, contact information, school, department, account information, etc. received by the loan applicant inputted. The structured data means the above-mentioned information, but is not limited thereto, and it is sufficient as long as it is personal information that can automatically check the credit information of the loan applicant.

The unstructured data storage unit 113 includes information such as the desired loan amount, loan interest, target repayment period, repayment plan, income presence, career information, certification information, language credits, external activities, future hopes, and propensity received by the loan applicant inputted. Unstructured data can be stored. More specifically, the unstructured data may include at least one of internship and part-time experience, certifications, awards, contests, school activities, volunteer work, club activities, and overseas training.

Internship and part-time experience may include details such as company name, period of service, department duties, etc., and certification may include details such as credentials, issuer/institution, and acquisition date. , acquisition date, etc., award details and contests may include the name of the award, awarding institution, award/competition date, etc. Information such as organization/place, period, and activity content may be included. Unstructured data can be converted into objective credit standard indicators through metadata and quantification.

Unstructured data refers to information that can infer the credit information of a person who lacks credit information, and can collect and store a variety of information. Data that can be used to infer the credit information of the loan applicant is sufficient.

The credit data storage unit 115 may store credit ratings evaluated based on user information indicating attributes of the loan applicant and transaction history. Here, the user information may mean information indicating the properties of the loan applicant. For example, information such as credit rating, income, residence type, occupation, school, or marital status of a loan applicant may be included in user information. That is, the user information may include, but is not limited to, economic, social, cultural, academic attributes, and the like.

The investor data storage unit 117 may store investor data including identification information about the investor and bond information, which is information about bonds that the investor has with respect to the loan executed to the loan applicant through the platform server. The bond information stored in the investor data storage unit 117 includes the name, date of birth, contact information, linked account information received by the investor, the principal invested by the investor through the platform operator, bond information, recovery target rate, and interest accrued on the investment. , information on the amount paid to investors for principal and interest, etc., but is not limited thereto.

In addition, the memory unit 110 may include structured data, unstructured data, credit data, investor data, etc., but is not limited thereto, and data on which a loan applicant is eligible for a loan, contract conclusion related data, investment product data, etc. , may include various types of data that can be utilized in the platform server, such as details of the loan executed.

3 is a block diagram for explaining the detailed configuration of the management unit of the investment-linked loan system using atypical data according to another embodiment of the present invention.

According to an embodiment of the present invention, the management unit 120 may include a contract management unit 121 , a product management unit 123 , a loan management unit 125 , and a risk management unit 127 .

The contract management unit 121 may conclude a money consumption loan contract between the borrower and the platform operator, and may terminate the money consumption loan contract when the investment amount is not achieved or repayment of the investment principal and interest is completed. In addition, an investment contract can be concluded between the investor and the platform operator, and details of the payment plan for the principal of the investment, the interest accrued on the investment, and the principal and interest can be described in detail. In addition, the platform operator may perform the investment solicitation of principal and interest receivables, and perform the investor's fund management and payment business for the investor's payment of principal and interest after the loan of the linked financial company is executed. Here, the right to receivable is one of the methods of selling loan assets held by a credit company to a participant, and means that a participant concludes a loan participation contract with a credit company.

In addition, the right to receive principal and interest means that the participant pays an amount equivalent to the principal of the loan to the loan company in relation to the loan contract formed between the loan company and the borrower, without affecting the bond and debt relationship between the borrower and the loan company. In the event that the borrower receives principal and interest payments from the borrower under the loan contract, it is agreed to pay the payment receipts to the participant, and the risk of failure to recover the principal and interest due to the borrower's arrears, etc. means the contract that the participant bears. An investor who acquires principal and interest through investment does not have the right as a creditor to directly collect principal and interest from the borrower who is the subject of the loan claim.

The product management unit 123 may plan/create an investment product based on the loan application information of the loan applicant. Here, the investment product may check some data of the loan applicant's structured data, some of the unstructured data, and some of the credit data. These data include the loan request amount, loan interest, target repayment period, repayment plan, income status, career information, certificate information, language credits, extracurricular activities, future hopes, disposition and housing type, occupation, school, and grades stated by the loan applicant. , marital status, collateral, investment risk, credit rating of the loan applicant, income, may include at least one of.

However, since it may be difficult to determine if the credit rating is low due to a lack of credit history, etc., the credit rating is calculated by filtering the loan applicants based on whether the characteristics and transaction history of the loan applicant satisfy the evaluation conditions. Based on this, you can plan a product.

The core of the present invention is to plan an investment product reflecting the loan conditions suggested by students with low credit ratings or difficult to calculate credit ratings, propose them to investors, attract investment, and lend to loan applicants. In this case, in order to select a person whose credit rating is higher than the standard for loan provision, even if the credit rating is low, the transaction history such as the number and period of transactions included in the transaction history is above a certain value, and the number and period of delinquency are below a certain value. Even if it exists, an investment product can be planned based on it, but even if such information is not present, an investment product can be proposed based on various information, etc.

The loan management unit 125 determines whether the loan conditions presented by the loan applicant meet the general loan conditions, or if the loan is executed, the loan amount, repayment plan, interest rate, interest change, delinquency and number of times, repayment amount and loan Data such as balance and principal and interest payment details can be provided to the loan applicant. The data managed by the loan management unit 125 is not limited to the above, and may include data regarding various variables that may occur before and after the loan is executed.

The risk management unit 127 may serve to manage the non-recovery of investment products resulting from the absence of financial/credit transactions of the loan applicant. In other words, it is planned/received based on unstructured data such as desired loan amount, loan interest, target repayment period, repayment plan, income status, career information, certification information, language credits, external activities, future hope, and propensity received by the loan applicant inputted. It can play a role in increasing the recoverability of the proposed investment product. By using various data sets and machine learning methods, it is possible to determine how faithfully the loan applicants who match loans and investment products and present unstructured data are making repayments according to plan, and whether or not they guarantee returns to investors based on this. It can play a role in ensuring correlation. According to the received loan applicant information, loan applicants are classified into groups based on whether they have similar attributes, and when the number or ratio of loan applicants belonging to a specific group is greater than or equal to a threshold value, the credit rating is high for users having the corresponding attribute Weights can be assigned to be calculated. However, it is not limited to proceeding in the above-described manner, and a method capable of reducing the risk of investors in various ways may be utilized.

4 is a flowchart of an investment-linked loan service operating method using unstructured data according to an embodiment of the present invention. 5 is an event diagram of a method for operating an investment-linked loan service using atypical data according to an embodiment of the present invention, and is an event diagram in which the subject and target of each action are specified. 4 and 5 are for explaining the same embodiment of the loan brokerage service, an embodiment of the present invention will be described with reference to FIG. 4 .

4 and 5 , in step S410 , the platform server 100 receives a loan application signal including the borrower's structured data and unstructured data from the borrower terminal 400 . The borrower's structured data includes the borrower's name, resident registration number, date of birth, gender, contact information, school, department, and account information. Scores, extracurricular activities, future hopes, part-time work, awards, contest participation, school activities, volunteer work experience, overseas training experience, etc. are included. The communication unit 140 of the platform server 100 receives a loan application signal including the borrower's structured data and unstructured data from the borrower terminal 400 .

The borrower may apply for a loan through the borrower terminal 400 . The borrower may input the borrower's structured data and/or unstructured data through an input unit (eg, a mouse, a keyboard, a touch pad, etc.) of the borrower's terminal 400 . The borrower terminal 400 may acquire structured data and unstructured data input from the borrower or stored in a memory unit (not shown) of the borrower terminal 400 . The borrower terminal 400 transmits a loan application signal including the borrower's structured data and unstructured data obtained in this way to the platform server 100 .

In step S420, the platform server 100 transmits a signal requesting the borrower's credit data to the credit information server 200 based on the borrower's structured data, and, in response, receives the borrower's credit data from the credit information server 200 receive The platform server 100 transmits a signal requesting credit information of the borrower to the credit information server 200 based on the borrower's name, resident registration number, date of birth, gender, and contact information included in the borrower's structured data.

The credit information server 200 generates credit data of the borrower based on at least one of the borrower's name, resident registration number, date of birth, gender, and contact information included in the signal transmitted from the platform server 100 . Preferably, in the embodiment, the credit information server 200 generates credit data of the borrower based on the borrower's resident registration number. Here, the credit data includes the borrower's name, resident registration number, date of birth, gender, contact information, the borrower's outstanding debt, the number of delinquency, credit rating, bankruptcy, etc. registered in the credit information server 200 . The credit information server 200 transmits the generated borrower's credit data to the platform server 100 .

In another embodiment of the present invention, the credit information server 200 transmits credit data in the form of an electronic document (file formats such as HWP, PDF, WORD, JPG, PNG, TIFF). The platform server 100 obtains credit information of the borrower included in the credit data through OCR (Optimal Character Recognition) of the credit data in the form of an electronic document transmitted from the credit information server 200 .

The platform server 100 receives credit data of the borrower from the credit information server 200 . The platform server 100 stores credit data of the borrower in the memory unit 110 .

In step S430, the platform server 100 determines the borrower's loan eligibility based on the borrower's structured data and credit data. More specifically, the platform server 100 determines the loan eligibility for whether the borrower's loan is possible based on the borrower's structured data and credit data.

For example, the platform server 100 compares the credit data transmitted from the credit information server 200 with the structured data directly written by the borrower, and determines loan eligibility based on the comparison result. The platform server 100 determines that the borrower's loan application is ineligible when the standard data directly written by the borrower through the borrower terminal 400 and the credit data transmitted from the credit information server 200 do not match. More specifically, the platform server 100 includes name, resident registration number, date of birth, gender, contact information, school, department, account information and credit data included in the borrower's structured data, resident registration number, date of birth, gender, contact information, school , department, and account information are compared.

Conversely, the platform server 100 determines that, when the standard data directly written by the borrower through the borrower terminal 400 and the credit data transmitted from the credit information server 200 match, the borrower's communication fee delinquency history and other financial institution delinquency We determine the borrower's eligibility for a loan based on his/her history, fraud history, and whether he/she currently has a loan. The platform server 100 determines that the borrower's loan application is ineligible when the borrower falls under at least one of the borrower's communication fee delinquency history, other financial institution delinquency history, fraud history, and current credit loan status. The platform server 100 determines that the borrower's loan application is eligible if the borrower does not meet any of the above requirements.

Summarizing the above, the platform server 100 allows the borrower to apply for a loan when the credit data and the structured data match, and the borrower has no overdue communication fees, delinquency details from other financial institutions, fraud history and current credit loans. decide you are eligible

If the borrower's loan eligibility is not recognized, the loan process ends while destroying the borrower's data. However, if the loan eligibility is recognized, the process of intermediary between the loan applicant and the investor may proceed to the next step (S440).

In step S440, the platform server 100 generates an investment financial product including a target investment amount, a set interest rate, and a set repayment period based on the unstructured data input by the borrower. Here, the investment financial product refers to an online P2P investment product that can recover the investment with a predetermined interest instead of lending the loan to the borrower. The platform server 100 transmits the generated investment financial product to the investor terminal 500 to guide the created investment financial product to the investor. This will be described in detail below.

The platform server 100 includes the borrower's desired loan amount, loan interest, target repayment period, repayment plan, income or not, career information, certification information, language credits, external activities, future hopes, tendencies and housing types, The target investment amount, set interest rate, and set repayment period are calculated based on occupation, school, grades, marital status, collateral, investment risk, borrower's credit rating, and expected income.

In an embodiment of the present invention, the platform server 100 calculates a target investment amount by multiplying the desired loan amount included in the unstructured data by a first weight, and multiplies the loan interest included in the unstructured data by a second weight to set the interest rate , and multiplying the target repayment period included in the unstructured data by a second weight to calculate the set repayment period. Here, the first, second, and third weights are weights calculated based on elements included in the unstructured data input from the borrower. The first weight is a weight for calculating the target investment amount from the loan desired amount. The second weight is a weight for calculating a set interest rate from the loan interest. The third weight is a weight for calculating the set repayment period from the target repayment period.

When the platform server 100 calculates the first weight, it is calculated based on the remaining items excluding the desired loan amount from the unstructured data. When the platform server 100 calculates the second weight, it is calculated based on the remaining items excluding the loan interest from the unstructured data. When the platform server 100 calculates the third weight, it is calculated based on the remaining items except for the target repayment period in the atypical data.

Here, the platform server 100 includes an artificial neural network for calculating weights trained in advance to output the first, second, and third weights from the unstructured data. The artificial neural network for weight calculation is an artificial neural network trained in advance by a training data set including unstructured data for learning and first, second, and third weights for learning. The artificial neural network for weight calculation outputs the first, second, and third weights from the input unstructured data.

The platform server 100 creates an investment financial product including the calculated target investment amount, a set interest rate, and a set repayment period.

In another embodiment of the present invention, the platform server 100 calculates the investment risk based on the unstructured data. The platform server 100 further includes an artificial neural network for calculating the investment risk that outputs the investment risk from the unstructured data. The artificial neural network for calculating the investment risk is an artificial neural network trained in advance by the training data set including the unstructured data for learning and the investment risk for learning.

The platform server 100 generates an investment financial product including the calculated target investment amount, a set interest rate, a set repayment period, and an investment risk.

In step S450, the platform server 100 transmits the investment financial product generated in step S440 to the investor terminal 500 of a plurality of prospective investors, and from the investor terminal 500 of an investor who is willing to invest in the corresponding investment financial product. Receive investment application signal. The investor terminal 500 shows the investment financial products transmitted from the platform server 100 through the display unit of the investor terminal 500 . A prospective investor may decide whether to invest or not based on the target investment amount, set interest rate, set repayment period, and investment risk included in the investment financial product. When the prospective investor decides to invest in the corresponding investment financial product, the investment application may be input through the investor terminal 500 .

When an investor with an investment intention inputs an investment application through the investor terminal 500 , the investor terminal 500 transmits an investment application signal including an investment intention and an investment intention amount to the platform server 100 . The platform server 100 receives an investment application signal including an investment intention and an investment intention amount from the investor terminal 500 .

In step S460, the platform server 100, based on the investment application signal transmitted from the at least one investor terminal 500, the total amount of the investment intention included in the investment application signal transmitted by the at least one investor is the target investment Decide whether it is more than the amount. The operation method of the loan brokerage service using unstructured data proceeds to step S470 when the total amount of the investment intention is equal to or greater than the target investment amount.

In step S460, if the total amount of the investment intention is less than the target investment amount, the operation method of the loan brokerage service using the unstructured data proceeds to step S465. In step S465, the platform server 100 transmits an investment failure signal indicating that the investment intention amount has not been reached to the borrower terminal 400 of the borrower. A method of providing a loan brokerage service using unstructured data proceeds from step S465 to step S410.

If the borrower intends to proceed with the loan by re-presenting the loan conditions, the investment financial product can be proposed again by inputting the changed structured data and unstructured data.

In addition, in the method of providing a loan brokerage service using atypical data according to another embodiment of the present invention, when the accumulated amount of the investment intention does not reach the loan amount requested by the borrower, the investment product and The loan product can be changed to a small amount that meets the conditions, and only the raised investment amount can be provided to the borrower.

In step S470 , the platform server 100 transmits to the affiliated financial institution server 300 an account opening request signal for requesting to open an account for an account related to an investment financial product to the affiliated financial institution server 300 . The affiliated financial institution server 300 receiving the account opening request signal opens an account related to the investment financial product. The affiliated financial institution server 300 transmits an account information signal including account information on the opened account to the platform server 100 . The account information includes information such as an account number and an account holder. The operation method of the loan brokerage service using unstructured data proceeds to step S480 when the total amount of the investment intention is greater than or equal to the target investment amount.

In step S480, if the accumulated amount of the intention to invest is greater than or equal to the loan amount requested by the borrower, the platform server 100 transmits the investment payment request signal to the amount of intention to invest and the investment financial product received from the affiliated financial institution server 300 in step S470 and The investment payment request signal including account information for the associated account is transmitted to the investor terminal 500 that has been transmitted (S470). The platform server 100 requests the investors of the investor terminal 500 that has received the investment payment request signal to pay the investment to an account for an already opened investment product.

In step S490 , when the payment of the investment to the account for the already opened investment financial product is completed, the platform server 100 transmits a loan execution signal to the affiliated financial institution server 300 . The platform server 100 may transmit a loan credit signal to the affiliated financial institution server 300 to execute a loan for the borrower. The affiliated financial institution server 300 transmits, to the platform server 100 , a complete investment payment signal indicating that the target investment amount has been fully paid when all the investment money for the investment financial product is paid. When the platform server 100 receives the investment payment signal from the affiliated financial institution server 300, the platform server 100 sends a loan execution signal to pay the investment from the affiliated financial institution's investment financial product-related account to the borrower's account. (300). When the affiliated financial institution server 300 receives the loan credit signal from the platform server 100 , the affiliated financial institution server 300 transfers the investment money of the account related to the investment financial product to the borrower's account.

6A to 6H are exemplary diagrams illustrating an interface of a loan brokerage service using unstructured data according to an embodiment of the present invention. 6A to 6E are one embodiment of the present invention, but the present invention is not limited thereto.

According to an embodiment of the present invention, the borrower can proceed to the next step by inputting structured data such as name, date of birth, gender, contact information, school name, department name, and the like. However, it is possible to change these structured data in order to secure the credit data desired by the platform operator.

In the next step, the borrower can select the desired amount, loan period or repayment period, loan interest rate, loan application purpose, repayment plan, etc. from the select box or submit by writing in narrative form. In the existing loan, the borrower's choice was excluded by calculating the loanable amount based on personal credit information and calculating the interest rate at the same time. However, the present invention is a borrower-friendly loan brokerage service in that it creates an investment product based on the conditions suggested by the loan applicant and proposes it to investors. As shown, the likelihood of a loan being executed increases depending on how a desired interest rate or repayment plan is written, and the description method can be presented using examples and the like.

In the last stage, you can freely write and submit details such as internship experience, part-time job experience, etc., qualifications, language ability, award history, internal and external activities, and personal preferences.

Based on the submitted data, a loan application form can be filled out and consent to the use and collection of personal information can be obtained. In addition, a push alarm through a message or the like may be provided to the borrower terminal 400 for the items arranged in this way so that the borrower can check it.

This loan intermediary system is more effective for adults without experience in financial services such as college students or housewives than for existing loans for businesses or adults. If you have no credit data or financial transaction history, you are given a credit rating of 5 collectively, and it is often difficult even for a small loan of less than 1 million won. In order to solve this disadvantage, the present invention enables the borrower's reliability to be secured based on atypical credit information data by setting the desired microloan and loan information (interest rate, repayment method, period) for the financially underprivileged class. We aim to provide a platform that attracts investors and automates brokerage/repayment and contracts for sales execution.

In the present invention, rather than unilateral donations to those with insufficient credit information, such as students/housewives, financial advancement is achieved by helping the small amount needed by the underprivileged while narrowing the gap between investors who want to earn income at a certain interest rate and stability for principal preservation. can devise

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium. In addition, the structure of the data used in the above-described embodiment of the present invention may be recorded in a computer-readable recording medium through various means. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (eg, a ROM floppy disk, hard disk, etc.) and an optically readable medium (eg, CD-ROM, DVD, etc.). A program for performing a three-dimensional indoor map construction method according to embodiments of the present invention is recorded in a computer-readable recording medium.

Exemplary embodiments have been disclosed in the drawings and specification as described above. Although the embodiments have been described using specific terms in the present specification, these are used only for the purpose of explaining the technical spirit of the present disclosure, and not used to limit the meaning or the scope of the present disclosure described in the claims. Therefore, it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present disclosure should be defined by the technical spirit of the appended claims.

100: platform server 110: memory unit
120: management unit 130: examination unit
140: communication unit 200: credit information server
300: affiliated financial institution server 400: borrower terminal
500: investor terminal

Claims (9)

In the method of operating an investment-linked loan service using unstructured data,
Receiving, in the platform server, a loan application signal including the borrower's structured data and unstructured data from the borrower terminal;
transmitting, in the platform server, a signal requesting the credit data of the borrower to a credit information server based on the structured data of the borrower, and receiving the credit data of the borrower from the credit information server;
determining, in the platform server, loan eligibility of the borrower based on the borrower's structured data and credit data;
generating, in the platform server, an investment financial product including a target investment amount, a set interest rate, and a set repayment period, based on the borrower's atypical data;
In the platform server, transmitting the generated investment financial product to a plurality of investor terminals, and receiving an investment application signal including an investment intention and an investment intention amount from an investor terminal of an investor with an investment intention among the plurality of investor terminals step;
In the platform server, when the total amount of the investment intention is equal to or greater than the target investment amount based on the received investment application signal, an account opening request for requesting account opening for an account related to the investment financial product to the affiliated financial institution server transmitting a signal; and
Transmitting, in the platform server, an investment payment request signal including account information for the associated account to an investor terminal that has transmitted the investment application signal,
The structured data includes the borrower's name, resident registration number, date of birth, gender, contact information, school, department and account information,
The above unstructured data includes loan request amount, loan interest, target repayment period, internship experience, qualifications, language credits, external activities, future hope, part-time work, awards, contest participation history, school activities, volunteer experience, and overseas training including experience,
The borrower's credit data further includes the borrower's outstanding debt amount, the number of delinquency, credit rating, and bankruptcy,
The step of determining the loan eligibility of the borrower is
If the name, resident registration number, date of birth, gender and contact information included in each of the structured data and the credit data match, and it corresponds to at least one of the borrower's outstanding debts included in the credit data, the number of delinquency and bankruptcy, Determining that the borrower's loan application is ineligible;
The step of creating the investment financial product
A first weight, a second weight, and a third weight for calculating the target investment amount, the set interest rate, and the set repayment period are calculated based on the atypical data, and the calculated first weight is applied to the desired loan amount multiply to calculate the target investment amount, multiply the calculated second weight by the loan interest to calculate the set interest rate, multiply the calculated third weight by the target repayment period to calculate the set repayment period, and generating an investment financial product including the calculated target investment amount, the calculated set interest rate, and the calculated set repayment institution;
The first weight, the second weight, and the third weight are trained to output first, second, and third weights of unstructured data input by a training data set including unstructured data for learning and first, second, and third weights for learning. An investment-linked loan service operating method using unstructured data, characterized in that it is calculated by an artificial neural network. The method of claim 1,
The borrower's credit data includes the borrower's name, resident registration number, date of birth, gender and contact information,
The step of determining the loan eligibility of the borrower is
An investment-linked loan service operating method using unstructured data, characterized in that comparing the structured data and the credit data, and determining the loan eligibility of the borrower based on the comparison result. 3. The method of claim 2,
The borrower's credit data further includes the borrower's outstanding debt amount, the number of delinquency, credit rating, and bankruptcy,
The step of determining the loan eligibility of the borrower is
If the name, resident registration number, date of birth, gender and contact information included in each of the structured data and the credit data match, and it corresponds to at least one of the borrower's outstanding debts included in the credit data, the number of delinquency and bankruptcy, A method of operating an investment-linked loan service using unstructured data, characterized in that it is determined that the borrower's loan application is ineligible. A computer-readable recording medium in which a program for performing the method according to any one of claims 1 to 3 is recorded. delete delete delete delete delete

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