KR102418235B1 - Method for peer to peer secured loan finalcial technology service with condition matching and apparatus thereof - Google Patents

Abstract

When the condition-customized P2P collateral loan financial technology service method and apparatus according to the present invention is applied, condition-tailored investment application information including non-cash asset information to be provided as collateral from one or more first information terminals and loan condition information that can be loaned immediately to open a mortgage product, receive loan application information from one or more second information terminals, perform a mortgage loan advance procedure using a selected arbitrary second information terminal and non-cash assets as collateral, and the second By processing data and electronic signals for remittance of the loan amount to the account specified in the mortgage application information received from the information terminal, it enables fast loans to loan applicants and provides investment applicants with investment opportunities that meet their desired loan conditions can provide

Description

CONDITION MATCHING AND APPARATUS THEREOF

The present invention relates to a condition-tailored P2P (Peer to Peer) secured loan financial technology service method and device. It relates to a method and device for a P2P secured loan financial technology service tailored to the conditions in which a loan can be selected immediately after a loan is needed after looking at the conditions.

P2P (Peer to Peer) lending is a new loan method in which a number of investment applicants (creditors), rather than banks or private finance companies, collect money and lend directly to individuals or businesses.

P2P lending can reduce recruitment advertising costs and labor costs because all procedures are performed online. Investors can obtain higher profits than bank interest rates The market is growing rapidly due to various advantages such as being possible.

Against the backdrop of the global financial crisis and Internet-based technological innovation, the P2P lending market is experiencing rapid growth. In line with this, start-up companies using various business models are attracting the attention of borrowers and investors.

As such, the use of P2P loans is gradually expanding due to their own advantages, such as being convenient compared to traditional financial transaction methods, providing lower interest rates to loan applicants, and providing relatively high returns to investors in a low interest rate environment. trend to become

In general, stocks that are listed on a stock exchange or other stock exchange and can be traded during the day are called listed stocks.

In addition to listed stocks, stocks include over-the-counter (OTC) stocks, that is, unlisted stocks. Over-the-counter stocks are stocks that are not listed on the stock exchange.

The OTC market was originally a naturally occurring market, so there was no specific organization and no standardized transaction method. However, in many developed countries today, the OTC market is institutionalized centered on the store market, and the OTC market is also developing into a specific structured market comparable to the exchange market.

Listed stocks are invested in a variety of ways. For example, you can invest according to your own choice, such as directly looking at company information, buying and selling stocks, or joining a fund managed by famous securities companies. In addition, securities companies are making profits by using the amount raised through the fund.

However, for unlisted stocks, there is the inconvenience of having to find company information one by one in order for an individual to trade, and there is an inconvenience of having to separately trade with the OTC stock holders for trading.

It was difficult for investors to trust the stock investment experts because they could not check the information or transaction performance of the investment experts to entrust them to the stock investment experts.

Also, it is considered very risky to make a loan using unlisted over-the-counter stocks as collateral. This is because unlisted over-the-counter stocks do not have reliable prices in most cases, and liquidity is also limited.

For this reason, if the value of collateral falls below the standard after issuing a loan using unlisted over-the-counter stocks as collateral, it is necessary to protect investors by converting the collateral into cash.

The characteristics associated with these unlisted over-the-counter stocks cause lenders to stick with a very low-value approach, that is, a conservative approach. As a result, the actual loan amount is very small when the loan applicant needs to get a loan using this as collateral.

Therefore, in the case of non-cash assets that have not been officially priced, such as unlisted stocks, as collateral in the P2P collateral loan process, it is necessary to calculate a reasonable value and expedite the conversion of collateral to cash if necessary. A new approach is required for

In addition, the loan review process in the P2P mortgage loan process is complicated, so loan applicants need a way to quickly proceed with the loan.

In addition, on the side of the investment applicant who wants to make an investment using the P2P collateral loan, there may be non-cash assets that each wants to be provided as collateral and loan conditions that each can borrow. Therefore, there is a need for a P2P collateralized loan that can reflect the non-cash asset collateral and loan conditions preferred by the investment applicant.

The problem to be solved by the present invention is that when an investment applicant sets loan conditions that can be borrowed immediately for a non-cash asset-backed loan and then registers it, the loan applicant sees the conditions and selects a loan immediately if necessary An object of the present invention is to provide a P2P secured loan financial technology service method and apparatus.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems not mentioned can be clearly understood by those of ordinary skill in the art to which the embodiments proposed from the description below. will be.

In the condition-customized P2P secured loan financial technology service method according to one aspect of the present invention, the financial technology service device includes information on non-cash assets to be provided as collateral from one or more first information terminals and information on loan conditions that can be loaned immediately You can receive investment application information. The financial technology service device may open a secured loan product based on condition-customized investment application information. The financial technology service device may receive loan application information for using the opened secured loan product from one or more second information terminals. The financial technology service device performs a security loan advance procedure using the selected arbitrary second information terminal and non-cash assets as collateral, and data for remittance of the loan to the account specified in the loan application information received from the second information terminal; Electronic signal processing may be performed.

A financial technology service apparatus according to another aspect of the present invention may include a data storage unit and a processor for a condition-tailored P2P mortgage loan service. The data storage unit may store non-cash asset information to be provided as collateral received from one or more first information terminals and condition-customized investment application information, loan product information, and loan application information including loan condition information that can be borrowed immediately. The processor may open a mortgage loan product based on condition-customized investment application information received from one or more first information terminals. In addition, the processor may receive loan application information for using the opened secured loan product from one or more second information terminals, and perform a mortgage loan advance procedure using the selected arbitrary second information terminal and non-cash assets as collateral. have. The processor may process data and electronic signals for remittance of a loan to an account specified in the loan application information received from the second information terminal.

According to the present invention, if the investment applicant sets the conditions for immediate loan and then registers, the loan applicant sees the conditions and, if necessary, selects the loan immediately and proceeds with the loan.

In terms of loan applicants, if they have collateral other than cash that meets the loanable conditions set by the investment applicant, they can proceed with the loan process without a separate loan review process for the collateral to achieve a quick loan.

The investment applicant sets the loan investment amount immediately from the deposit, and the set amount may be deducted from the platform usage fee upon registration. When the platform usage fee is paid, it is opened as a loan product.

In the case of an investment applicant, if there is an application from a loan applicant who wants to receive a collateral loan with collateral other than cash that meets the conditions that can be loaned immediately, the investment can be made quickly as the deposit is immediately converted into the loan investment amount.

Also, the opening of loan products may be limited per investment applicant. For example, you can allow one person to open up to 10 loan products. Accordingly, the investment applicant can protect the investment applicant by appropriately preventing excessive investment, and the loan applicant can use a larger amount of loan products.

In the case of P2P collateral loans, you can conduct a demand forecasting survey for collateral that has not been officially priced, such as unlisted stocks, and apply for a customized P2P mortgage loan based on the data collected in the demand forecast survey to speed up the loan process. have.

According to the present invention, when non-cash assets such as unlisted stocks, such as unlisted stocks, are used as collateral in the P2P collateral loan process, a reasonable value can be calculated.

According to the present invention, by properly linking stock-backed loans, P2P (Peer to Peer) loans, and crowdfunding through Internet-based technology, the loan applicant can get a loan by using the stocks they own, such as over-the-counter stocks, as collateral. , investment applicants who have invested their money can be provided with transaction stability and convenience and a relatively high rate of return.

According to the present invention, it becomes possible to provide liquidity through precise value analysis for over-the-counter stocks that have not been easily recognized as collateral.

According to the present invention, it is possible to secure stability to investment applicants by applying unlisted over-the-counter stocks to individual products as collateral.

According to the present invention, it is possible to derive a higher level of securitization compared to existing financial institutions by receiving an appropriate reference price for collateral by an investment advisory group specializing in unlisted over-the-counter stocks.

According to the present invention, since the loan interest rate is rationally applied as determined by a standardized formula, it can ultimately contribute to the activation of the OTC stock market.

According to the present invention, safe investment is made possible by securing collateral such as unlisted over-the-counter stocks by breaking away from the framework of credit handled in the conventional loan method.

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

According to the present invention, in the P2P lending era, unlisted over-the-counter stocks and investments are combined with fintech to connect an applicant for an over-the-counter stock investment (loan applicant) and an individual borrower (investment applicant) to apply for an unlisted over-the-counter stock investment using a P2P platform. and secured loans.

1 is a diagram for explaining the concept of a condition-tailored P2P secured loan financial technology service according to an embodiment of the present invention.
2 is a view for explaining a condition-customized P2P secured loan financial technology service system according to an embodiment of the present invention.
3 is a view for explaining a financial technology service device in the condition-customized P2P secured loan financial technology service system according to an embodiment of the present invention.
4 is a flowchart for explaining a method for providing customized P2P secured loan financial technology service according to an embodiment of the present invention.
5 is an exemplary diagram of an investment target item selection and loan condition input screen for condition-customized investment application input in the condition-customized P2P secured loan financial technology service method according to an embodiment of the present invention.
6 is an exemplary diagram of a display screen of a mortgage loan product in the condition-customized P2P secured loan financial technology service method according to an embodiment of the present invention.

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

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram for explaining the concept of a condition-tailored P2P secured loan financial technology service according to an embodiment of the present invention.

Referring to FIG. 1 , a condition-customized P2P secured loan financial technology service according to an embodiment of the present invention may be provided by a P2P finance-based technology service company 1 .

A P2P-based financial technology service company (1) includes an investment advisor (2) that evaluates non-cash asset collateral, and an affiliated financial institution ( 3) to form a business alliance with an investment applicant (4) who wants to invest their cash assets in a crowdfunding method, and a loan applicant (5) who wants to receive a loan by providing their non-cash assets as collateral can be connected to provide condition-tailored P2P secured loan financial technology services. Here, the investment advisory company (2), the affiliated financial institution (3), the investment applicant (4), and the loan applicant (5) are not limited to one each, but may be multiple.

In this case, the non-cash asset provided as collateral is not limited to only movable or real estate for which official or official price information exists, and may be, for example, movable or real estate without official price information, such as unlisted stocks. As such, in the case of collateral for which no official price information exists, the P2P-based financial technology service company (1) conducts a demand forecasting survey on the loan applicants (5) and then responds to the results of the survey. It is also possible to determine or determine whether investment is possible with respect to asset information and loan condition information that can be borrowed immediately. Accordingly, the investment applicant 4 may revise condition-tailored investment application information including information on non-cash assets to be provided as collateral and loan condition information that can be borrowed immediately so as to correspond to the result of the demand prediction survey.

P2P-based financial technology service company (1) customized P2P collateral loan Financial technology service corresponds to condition-tailored investment application information including information on non-cash assets to be provided as collateral from the investment applicant and information on loan conditions that can be borrowed immediately Thus, once the platform usage fee is paid, a mortgage loan product can be opened based on the investment application information tailored to the relevant conditions.

At this time, the P2P-based financial technology service company (1)'s customized P2P collateral loan financial technology service collects the funds of the investment applicants (4) who want to invest their cash assets in the crowdfunding method and lends them to the loan applicants. is done

To this end, the P2P-based financial technology service company (1) receives condition-tailored investment application information including information about non-cash assets to be provided as collateral and information on loan conditions that can be borrowed immediately from the investment applicant (4). That is, an investment application is received from the investment applicant 4 . The cash assets invested here may be cash assets held by the investment applicant 4 or may be cash assets held by a third party. Here, the investment applicant 4 may preferably be an individual, but the present invention is not limited thereto, and any entity capable of investing cash assets is possible. Therefore, it can be a corporation as well as an individual. Also preferably, the investment applicant 4 may be a plurality of investment applicants, and may be a plurality of investment applicants participating in crowdfunding to form funds for a specific purpose. Preferably, the investment applicant 4 may invest cash funds in a crowdfunding manner and receive investment returns such as interest income or equity income.

At this time, when the platform usage fee is paid, a mortgage loan product may be opened based on the investment application information tailored to the conditions.

When a loan application is received from a loan applicant with a secured loan product open P2P-based financial technology service company (1) customized P2P secured loan financial technology service Without a separate loan review process, the stock of the loan applicant is replaced through stock replacement, stored in a preset account, and a loan can be issued to the loan applicant using the stored stock as collateral.

In addition, the P2P-based financial technology service company (1)'s customized P2P collateral loan financial technology service provides for non-cash assets, such as stocks that can be stored in real life, without a separate loan review process when there is a loan application from a loan applicant. In this case, without a separate loan review process, real stocks such as a stock withdrawal certificate are kept, and a loan can be issued to the loan applicant using the stock withdrawal certificate as collateral.

Here, it may be a stock held by the loan applicant 5 that can be provided as collateral, or it may be a stock held by a third party. The stocks provided as collateral may preferably be over-the-counter stocks, but the present invention is not limited thereto, and any stocks that can be withdrawn as real stocks are possible. Therefore, listed stocks traded on the exchange may be provided as collateral. However, for condition-tailored P2P secured loan financial technology service, it must belong to the stock item to be provided as collateral described in the condition-tailored investment application information applied by the investment applicant (4). In addition, in order to maintain the stability of the transaction, the P2P-based financial technology service company 1 may be provided as collateral by the loan applicant 5 or requested from the investment applicant 4 An investment advisor (2) may be commissioned to evaluate collateral for possible non-cash assets, for example, stocks. The investment advisor (2) may calculate the collateral value for the requested non-cash asset and provide it to the P2P-based financial technology service company (1). A P2P-based financial technology service company (1) can select stocks for a P2P collateral loan with customized conditions by referring to the collateral value for non-cash assets calculated by an investment advisor (2).

The affiliated financial institution 3 may receive an investment amount from the investment applicant 4 who has received approval of the investment application by the P2P-based financial technology service company 1 .

The affiliated financial institution (3) issues a loan to a loan applicant (5) who has been approved for a loan by a P2P-based financial technology service company (1), and performs the interest and principal repayment procedures from the loan applicant (5) on a regular or non-recurring basis It can be done regularly.

On the other hand, similarly, the affiliated financial institution 3 pays the investment proceeds such as interest on the investment to the investment applicant 4 who has deposited the investment on a regular or irregular basis, and when the investment period expires, the investment is transferred to the investment applicant return to (4).

2 is a view for explaining a condition-customized P2P secured loan financial technology service system according to an embodiment of the present invention.

Referring to FIG. 2 , in the condition-customized P2P secured loan financial technology service system according to an embodiment of the present invention, the financial technology service device 100 includes an advisory support server 200, a financial support server 300, The first information terminal 400, the second information terminal 500, and the storage support server 600 are interlocked to perform processing and communication of various data and electronic signals for condition-tailored P2P mortgage loan financial technology service. .

The financial technology service apparatus 100 may include a processor for processing and communicating various data and electronic signals necessary for the condition-customized P2P secured loan financial technology service of the P2P-based financial technology service company 1 .

The financial technology service device 100 replaces the loan applicant's stock through stock replacement in the case of non-cash assets, for example, stocks that can be exchanged for stocks, stores them in a preset account, and uses the stocks as collateral to make a loan It can process and communicate various data and electronic signals necessary for the execution of the process.

In addition, the financial technology service device 100 stores non-cash assets, for example, stocks such as stock withdrawal certificates in the case of stocks, in a dedicated safe, and executes a loan using the stored stock withdrawal certificate as collateral. It can process and communicate various data and electronic signals necessary to proceed.

In addition, the financial technology service device 100 is a P2P-based financial technology service company (1), an investment advisor (2) that performs the evaluation of the collateral value for non-cash assets, investment deposit, loan payment, interest payment, principal and interest repayment, It is possible to process and communicate with various data and electronic signals necessary for performing a partnership business with the affiliated financial institution 3 that performs the investment proceeds payment procedure.

In addition, the financial technology service device 100 provides an investment applicant 4 who wants to invest cash assets held under a specific loan condition for a specific stock through a crowdfunding method, and a non-cash asset, for example, a stock. It is possible to process and communicate various data and electronic signals required to perform a condition-tailored P2P secured loan financial technology service by connecting the loan applicant 5 who wants to borrow as collateral in the P2P loan method.

That is, when the financial technology service device 100 receives the information on the collateral to be provided input through the first information terminal 400 and the condition-tailored investment application information including the loan condition information, the financial technology service device 100 checks only whether the platform usage fee has been paid, and when the platform usage fee has been paid, it opens as a loan product and performs the borrower attraction process. The loan will be transferred to the loan applicant.

In this case, the financial technology service device 100 may have a configuration in which a loan product opened based on condition-customized investment application information is disclosed to the loan applicant and the loan applicants recruited in response thereto are delivered to the investment applicant 4 . Meanwhile, the financial technology service device 100 manages the investment funds raised by the investment applicant 4, and when there is a loan application from the loan applicant 5 for the opened loan product, it is configured to deliver the loan amount. it could be

In addition, when the financial technology service device 100 does not have official price information and the investment applicants 4 request a demand forecasting survey, the financial technology service device 100 provides the loan applicant 5 with the possibility of attracting borrowers secured through the demand forecasting survey. It is possible to perform the processing and communication of various data and electronic signals necessary to enable the investment applicant 4 to modify the loan conditions desired by measuring it.

However, the present invention is not limited to only such a configuration, and it is natural that various conventional methods including a mixed form of the aforementioned two configurations may also be applicable.

The advisory support server 200 calculates the collateral value for the non-cash assets requested for evaluation performed by the investment advisor 2, for example, stock collateral, and various data for providing to the P2P-based financial technology service company 1 and It may be configured to include various processors for processing and communicating electronic signals.

Advisory support server 200, for example, in the case of over-the-counter stocks, quantitative, quantitative, By measuring sexual value, quantitative and qualitative value measurement data can be generated.

The advisory support server 200 may use the correlation between the debt ratio and the default rate with accumulated data of unlisted over-the-counter stocks to calculate the bankruptcy probability of the company through various scenario approaches.

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

To this end, the financial support server 300 processes various data and electronic signals necessary for the affiliated financial institution 3 to receive the investment money from the investment applicant 4 who has received approval of the investment application by the P2P-based financial technology service company 1 . It may be configured to include a processor for performing communication with the.

In addition, the financial support server 300 issues a loan to the loan applicant 5 for which the affiliated financial institution 3 has received loan approval by the P2P-based financial technology service company 1, and interest from the loan applicant 5 is obtained. and a processor for processing and communicating various data and electronic signals necessary to periodically or irregularly perform a principal and interest repayment procedure.

In addition, the financial support server 300 periodically or irregularly performs interest on the investment to the investment applicant 4 to which the affiliated financial institution 3 has deposited the investment, and when the investment period expires, the investment is transferred to the investment applicant ( 4) may be configured to include a processor for processing and communication of various data and electronic signals necessary to proceed with the return.

3 is a view for explaining a financial technology service device in the condition-customized P2P secured loan financial technology service system according to an embodiment of the present invention.

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

The data storage unit 110 includes information on non-cash assets to be provided as collateral received from one or more of the first information terminals 400 and information on loan conditions that can be borrowed immediately, customized investment application information, loan product information, and loan You can save your application information.

The processor 120 may receive, from the one or more first information terminals 400 , information on a condition-tailored investment application including information on non-cash assets to be provided as collateral and information on loan conditions that can be borrowed immediately.

In addition, the processor 120 may receive at least a portion of the deposit of the investment applicant from the one or more first information terminals 400 immediately set as the loan investment amount.

The processor 120 may open a mortgage loan product based on the condition-customized investment application information received from the first information terminal 400 .

When the platform usage fee is paid according to the condition-customized investment application information, the processor 120 may open a mortgage loan product based on the condition-tailored investment application information.

Platform usage fees may correspond to performance deposits. For example, the platform usage fee may correspond to 1-3% of the maximum loan amount. However, the present invention is not limited now and various modifications are possible.

The platform usage fee may be operated to be used to guarantee the stability of the process according to the condition-tailored collateral loan based on the condition-customized investment application information.

For example, the investment applicant 4 may be operated so that the payment of the platform usage fee is not refunded to the investment applicant's account when the information described in the condition-customized investment application information is false. Accordingly, it is possible to effectively block users who lower the stability and reliability of the platform in advance by filling out false information to apply for collateral investment tailored to conditions, applying for investment, or canceling the investment application in the middle of applying for investment tailored to conditions.

The non-refundable platform usage fee may be selectively operated as an operating cost of the financial technology service device 100 or a compensation cost for loan applicants. However, with respect to the operation of non-refundable platform usage fees, the present invention is not limited thereto and various modifications are possible.

For example, the platform usage fee is non-refundable to the investment applicant and proceeds with a collateral loan if the investment fund is suspended in the middle due to the investment applicant's reason, such as a change of mind, false information, or incomplete details of the investment applicant who applied for customized investment It can be operated to be used to provide disadvantages for cancellation to investment applicants.

Of course, if the platform usage fee refund condition is satisfied, the paid platform usage fee may be refunded to the investment applicant's account. The conditions for refunding the platform usage fee may be, for example, cancellation before opening a loan product, cancellation due to a force majeure disaster, or failure to achieve the target investment amount. However, the present invention is not limited to the operation of the refunded platform usage fee and various modifications are possible.

In this way, after the platform usage fee is paid along with the investment application tailored to the conditions from the investment applicant, loan attraction proceeds by making the loan products opened based on the information on the investment application customized for the conditions available to the loan applicants 5 to read.

The processor 120 may receive loan application information for using the secured loan product opened from one or more second information terminals 500 .

The processor 120 may perform a security loan advance procedure using the selected arbitrary second information terminal 500 and non-cash assets as collateral.

The processor 120 may process data and electronic signals for remittance of the loan to the account specified in the loan application information received from the second information terminal 500 that has performed the secured loan advance procedure.

In addition, the processor 120 may perform an interest payment and investment return payment process based on the secured loan through communication with the financial support server.

On the other hand, the processor 120 does not return the platform usage fee and non-returns the platform usage fee when there is a request to cancel the condition-tailored loan proceeding from the first information terminal 400 in a state in which the loan product attraction is completed or the loan product attraction process is in progress Loan products can be removed.

Similarly, the processor 120 may perform payment of the platform usage fee from the second information terminal 500 . On the other hand, the processor 120 may non-refund the platform usage fee if there is a request to cancel the condition-tailored loan proceeding from the second information terminal 500 in a state in which the loan product attraction is completed or the loan product attraction process is in progress. have.

Meanwhile, the processor 120 predicts the demand for non-cash assets and loan conditions to be provided as collateral through communication with the second information terminal 500 based on the customized investment application information received from the first information terminal 400 . You can proceed with the investigation.

The processor 120 may receive, from the first information terminal 400 , customized investment application information including non-cash asset information and loan condition information to be provided as collateral, which is modified by reflecting the information on the result of the demand forecasting survey.

In addition, the processor 120 may select one second information terminal 500 from among the one or more second information terminals 500 from which the loan application information has been received, based on a priority set in advance among the condition-customized investment application information.

In addition, the processor 120 may sort and provide the secured loan products opened according to the search condition selected by the second information terminal 500 .

The processor 120 may receive, from the first information terminal 400, information on a condition-tailored investment application including information on non-cash assets to be provided as collateral and loan condition information, which is modified by reflecting the information on the result of the demand prediction survey.

Here, the non-cash asset may be a non-cash asset whose collateral value can be determined by a demand forecast survey because there is no official price information.

For example, when the non-cash asset to be provided as collateral is stocks, the condition-customized investment application information may include a stock name, the number of stocks, an expected loan amount, and a stock investment reliability evaluation grade. The stock investment reliability evaluation grade is the first evaluation grade based on absolute returns calculated by reflecting the rate of return according to the stock trading information of the loan applicant, and the second evaluation grade based on relative returns calculated by linking the fluctuation rate of market information to the first evaluation grade. It may be an evaluation grade calculated by synthesizing the evaluation grades.

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

When the non-cash asset is an unlisted over-the-counter stock, the advisory support server 200 may execute various scenario access processes for the unlisted over-the-counter stock to generate bankruptcy probability information of the corresponding company.

The advisory support server 200 may generate risk management information for the requested over-the-counter stock. Risk management information is created through evaluation of the value of collateral for over-the-counter stocks requested for evaluation by data and analysis technology. The risk management information may include information on changes in the collateral ratio identified in real time.

The financial support server 300 communicates with the first information terminal 400 of the investment applicant 4 who has received approval of the investment application from the financial technology service device 100 to perform a financial transaction process in which the investment is received.

The financial support server 300 performs a loan progress process for a loan applicant who has been approved for a loan by the financial technology service device 100 , and performs a process of depositing a loan amount into a deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service device 100 to provide the financial technology service device 100 with deposit account information included in the loan application information received from the second information terminal 500 . received and stored. In addition, the financial support server 300 performs communication with the second information terminal 500 of the loan applicant 5 to periodically or irregularly perform the interest and principal repayment process.

On the other hand, similarly, the financial support server 300 performs a financial transaction process in which the investment applicant 4 who has deposited the investment deposits interest into a designated deposit account. To this end, the financial support server 300 communicates with the financial technology service device 100 to provide the financial technology service device 100 with deposit account information included in the investment application information received from the first information terminal 400 . received and stored. The financial support server 300 performs a financial transaction process of returning the corresponding investment to the account of the investment applicant 4 when the investment period expires.

The first information terminal 400 and the second information terminal 500 are wired/wireless so that data can be transmitted/received with the financial technology service device 100 , the financial support server 300 , and the storage support server 600 through a communication network. can be connected to each other.

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

The Internet is a TCP/IP protocol and several services existing in its upper layers, namely HTTP (Hyper Text Transfer Protocol), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), SMTP (Simple Mail Transfer Protocol), SNMP (Simple Network Management Protocol), NFS (Network File Service), NIS (Network Information Service), etc. It means a worldwide open computer network structure. The first information terminal 400 and the second information terminal 500 allow the loan applicant 5 and the investment applicant 4 to connect to the financial technology service device 100 , the financial support server 300 , and the storage support server 600 . It provides an environment that allows access. Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or the portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, there may be a wideband code division multiple access (WCDMA) type communication network. In this case, although not shown in the drawings, the mobile communication network may include, for example, a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be a next-generation communication network such as a 3G LTE network, a 4G network, or a 5G network, and other IP-based IP networks. The communication network serves to mutually transmit signals and data between the first information terminal 400 , the second information terminal 500 , the financial technology service device 100 , the financial support server 400 , and the storage support server 600 . carry out

The first information terminal 400 and the second information terminal 500 access the financial technology service device 100, the financial support server 300, and the storage support server 600 through a communication network to use various financial transaction services. It may be any kind of possible wired/wireless communication device.

For example, the first information terminal 400 and the second information terminal 500 include various mobile terminals communicating through the wireless Internet or the portable Internet, and in addition to a Palm PC, a smart phone, Stock financial technology service device 100, financial support server 300, storage support server 600 ) can mean all wired and wireless home appliances/communications devices having a user interface for accessing it generically.

In particular, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone has various applications ( Application) As a phone based on an open operating system that can be downloaded, used, and deleted freely, all mobile phones equipped with functions such as commonly used voice/video calls and Internet data communication as well as mobile office functions. Alternatively, it can be understood as a communication device that does not have a voice call function, but includes any Internet phone or tablet PC that can connect to the Internet.

Such a smartphone may be implemented as a smartphone equipped with various open operating systems, and the open operating systems include, for example, Symbian from Nokia, BlackBerry from RIMS, iPhone from Apple, and Microsoft. It can be made with Windows Mobile of Microsoft, Android of Google, Sea of Samsung Electronics, etc.

As such, since the smartphone uses an open operating system, the user can arbitrarily install and manage various application programs, unlike a mobile phone with a closed operating system.

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

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

The control unit loads at least one program code provided in the smart phone through the processor into the execution memory, performs an operation, and transmits the result to the at least one function component through the bus to control the operation of the smart phone.

The memory unit is a generic term for non-volatile memories provided in the smart phone, and stores and maintains at least one program code executed through the control unit and at least one data set using the program code. The memory unit basically stores a system program code and system data set corresponding to the operating system of the smartphone, a communication program code and communication data set for processing wireless communication connection of the smartphone, and at least one application program code and application data set, Program codes and data sets for implementing the present invention are also stored in the memory unit.

The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module that drives it, and is connected to the control unit by a bus to output an operation result corresponding to the screen output among various operation results of the control unit to the screen output device .

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

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

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

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device), and a camera module driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both image data of a still image and video data.

A wireless network communication module is a generic term for communication components that connect wireless communication, and includes at least one antenna for transmitting and receiving radio frequency signals of a specific frequency band, an RF module, a baseband module, and a signal processing module. It is connected and transmits an operation result corresponding to wireless communication among various operation results of the control unit through wireless communication, or receives data through wireless communication and transmits it to the control unit, and at the same time connects, registers, communicates, and handoffs wireless communication maintain the procedures of

In addition, the wireless network communication module includes a mobile communication configuration for performing at least one of access to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA/WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable Internet communication configuration for performing at least one access to, location registration, data communication, and handoff in accordance with the IEEE 802.16 standard, and the wireless network communication module The present invention is not limited by the wireless communication configuration provided.

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

The storage support server 600 communicates with the first information terminal 400 and the financial technology service device 100 to provide collateral that can be stored among non-cash assets, for example, in the case of stock, an account of stock through stock replacement. Storing, requesting receipt of collateral for real stocks, and carrying out the process of warehousing in a dedicated safe.

Storage support server 600 is a non-cash asset, for example, in the case of stocks that can be exchanged for stocks, various data and electronic signals necessary to carry out the process of receiving the stock of the loan applicant through stock substitution and storing it in a preset account Can carry out processing and communication.

In addition, the storage support server 600 transmits, to the financial technology service device 100 , when non-cash assets, for example, real stocks, are stored in the dedicated safe. Dedicated safe warehousing completion information may include dedicated safe identification information, dedicated safe warehousing authentication photo, and warehousing completion confirmation information.

The storage support server 600 may provide the actual storage completion information of the dedicated safe to the first information terminal 400 or the financial technology service device 100 .

The storage support server 600 periodically checks the storage state of the real stock stored in the dedicated safe to provide the storage state information to the first information terminal 400 or the financial technology service device 100 periodically or upon request. can

4 is a flowchart for explaining a method for providing customized P2P secured loan financial technology service according to an embodiment of the present invention. Herein, the case where the non-cash asset is stock is described, but the present invention is not limited thereto.

Referring to FIG. 4 , the financial technology service device 100 receives condition-customized investment application information from the first information terminal 400 ( S10 ).

Here, the condition-customized investment application information may include non-cash asset information to be provided as collateral and loan condition information that can be borrowed immediately.

For example, the condition-customized investment application information may include the item name of the stock to be provided as collateral, the number of stocks, the desired loan amount, the deposit account number, name, phone number, e-mail address, and collateral evaluation grade.

The security evaluation grade may include a stock investment reliability evaluation grade of the loan applicant that is calculated and granted by the security evaluation process of the financial technology service device 100 . The stock investment reliability evaluation grade is the first evaluation grade based on absolute returns calculated by reflecting the rate of return according to the stock trading information of the loan applicant, and the second evaluation grade based on relative returns calculated by linking the fluctuation rate of market information to the first evaluation grade. A third evaluation grade calculated by synthesizing the evaluation grades may be included.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and transmits screen information for receiving condition-customized investment application information from the first information terminal 400 to the first information terminal 400 . can provide

For example, the financial technology service device 100 may provide a contract agreement screen, a member information input screen, a loan item selection screen, and a loan condition input screen for inputting condition-customized investment application information.

The financial technology service apparatus 100 may perform a loan demand prediction research process for loan applicants when a demand forecast survey is requested from the first information terminal 400 (S20)

The financial technology service apparatus 100 processes various data and electronic signals necessary to allow the investment applicant 4 to revise the loan conditions by estimating the possibility of attracting loans secured through the loan demand prediction research process for the loan applicants can communicate with

That is, when there is a request from the first information terminal 400 , the financial technology service apparatus 100 may execute the loan demand prediction research process using the demand prediction P2P platform to predict the loan demand. According to the loan demand prediction result, investment possible guide information or investment impossible guide information may be transmitted to the first information terminal 400 .

The financial technology service device 100 may generate demand prediction request information for tallying investable funds that can be invested in stock-backed loans using a demand prediction P2P platform according to a request from the first information terminal 400 . have.

The demand forecast request information may include information on a loanable amount, a loan interest rate, a loan period, whether or not to repay early, a profit distribution ratio, and an interest payment method.

Accordingly, loan applicants participating in the demand forecasting may input 50 million won in the loanable amount, for example. You can enter 5.6% per annum for the loan rate. The loan term can be set at 30%. You can also choose between simple interest and compound interest as the interest payment method.

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

The financial technology service device 100 determines whether the solicitation amount is satisfied based on the demand prediction result information, and according to the determination result, when the solicitation amount is satisfied, the investment possible guide information to the first information terminal 400 In the case where the amount of the solicitation is not satisfied, the investment non-investment guide information may be transmitted to the first information terminal 400 .

Meanwhile, the financial technology service apparatus 100 stores the demand prediction result information received from the second information terminal 500 . The stored demand forecasting result information can be used in the future when conducting customized investment.

The demand forecasting research process can be used to predict how the platform will react to the loan terms proposed by the investment applicant. Through the demand forecasting research process, investment applicants can determine whether the loan terms they want to finally offer are appropriate. For example, an investment applicant can estimate that they can get a loan even if they offer more favorable terms than the initial loan proposal submitted to the demand forecasting process. For example, an investment applicant may determine that a loan cannot be made on the terms of an initial offer submitted to the demand forecasting research process. The target for notifying the progress of loan-related demand forecasting can be for users who have registered as loan applicants in advance.

Through the demand prediction research process, the financial technology service apparatus 100 may determine whether the loan conditions of the mortgage-based loan product to be initiated are appropriate. For example, the financial technology service apparatus 100 may estimate that it can attract a loan even if it offers more favorable conditions to the investment applicant than the initial loan conditions submitted to the demand forecasting research process. In this case, the financial technology service device 100 may inform the first information terminal 400 about the possibility that loan attraction may be terminated early due to the loan conditions, and may suggest a higher loan interest rate, , you may be able to offer a higher loan amount.

Meanwhile, the financial technology service apparatus 100 may determine that a loan cannot be made under the condition of the initial proposal submitted to the demand forecasting research process. In this case, the financial technology service device 100 informs the first information terminal 400 about the possibility that the loan attraction may be prolonged or it may be difficult to finish within a set period because the loan conditions are not evaluated positively. can do. In addition, the financial technology service device 100 may propose a lower loan interest rate to the first information terminal 400 to attract investors because the value of the collateral asset is currently positively evaluated in the market, You may be able to offer a lower loan amount.

The financial technology service device 100 opens and displays a mortgage loan product based on the condition-customized investment application information received from the first degree terminal 400 when the payment of the platform usage fee is completed (S30).

The financial technology service device 100 may receive loan application information for applying for the opened secured loan product from one or more second information terminals (S40).

The financial technology service device 100 performs a stock-secured loan advance process through communication of the second information terminal 500 when the loan attraction is normally completed (S50).

To this end, the second information terminal 500 may access the integrated securities computer network to perform a stock replacement process, a stock transfer process with repurchase conditions, or a stock real issue. For the stock replacement process or the stock transfer process with a repurchase condition, the second information terminal 500 may access the integrated securities computer network and perform the corresponding process.

On the other hand, for the stock physical release process, the second information terminal 500 may access the integrated securities computer network, select securities, and apply for the physical release. The second information terminal 500 completes the actual shipment application by designating the actual shipment quantity selection information and the actual shipment date. Accordingly, the actual shipment may be executed.

The financial technology service device 100 may receive a stock replacement completion message, a stock transfer completion message, or a stock physical submission completion message from the second information terminal 500 . To this end, the second information terminal 500 may receive an input signal for confirming that stock replacement, stock transfer, or stock submission has been completed from the loan applicant. Here, the physical stock could be, for example, a stock withdrawal certificate. Certificates of Stock Withdrawal may be Registered Bonds or Bearer Bonds.

The financial technology service device 100 performs the loan payment, interest payment, and investment proceeds payment process when the stock-secured loan advance process is completed ( S60 ).

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

To this end, the financial support server 300 executes the loan by the affiliated financial institution 3 by providing a loan to the loan applicant 5 who has been approved for the loan by the P2P-based financial technology service company 1, after which the loan applicant 5 ), processes and communicates various data and electronic signals necessary to regularly or irregularly perform interest payment or principal and interest repayment procedures.

In addition, the financial support server 300 periodically or irregularly pays the investment proceeds such as interest on the investment to the investment applicant 4 to which the affiliated financial institution 3 has deposited the investment.

In addition, the financial technology service device 100 may communicate with the storage support server 600 to perform management and risk management processes for the stocks that have been replaced or transferred and the real stocks kept ( S70 ). Here, the risk management process may include a process for monetizing collateral.

To this end, the financial technology service device 100 may periodically or irregularly receive storage status information about the stocks replaced or transferred from the storage support server 600 and the real stocks kept.

In addition, the financial technology service device 100 may periodically or irregularly evaluate the value of collateral for the corresponding collateral, and if the collateral value has decreased, it may transmit a message for depositing additional collateral to the second information terminal 500 . . In addition, the financial technology service device 100 performs a risk management process through counter-trading or disposition of collateral stocks in storage if no additional collateral deposit is made and the collateral value continues to decrease despite the transmission of the additional collateral deposit message. can run A series of processes for converting the collateral in storage in this way is called the process of converting collateral into cash. The collateral monetization process is executed when the collateral is subject to the monetization performance requirements of the collateral.

The financial technology service device 100 may perform a loan date maturity processing process when the loan maturity is reached ( S80 ).

To this end, the financial technology service device 100 transmits a loan maturity notice message to the second information terminal 500 when the loan due date arrives, and when it is determined that the loan amount is not repaid until the loan due date has elapsed, the name transfer The process, the process of taking over the right to the collateral may be performed, and the sale and conclusion process for the collateral may be proceeded.

Meanwhile, the financial technology service apparatus 100 may perform a collateral return processing process when the repayment of the loan is completed ( S90 ).

To this end, the second information terminal 500 requests the financial technology service device 100 to process the return of the collateral, and performs the shipping process of the dedicated safe through the request for the actual shipment of the dedicated safe, and completes the return of the collateral through the verification of the collateral. do.

5 is an exemplary diagram of a loan member information input screen for inputting application information in a condition-customized P2P secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 5 , in the loan member information input window, a name input field, a phone number input field, an authentication code text message request object, an authentication code input field, an authentication confirmation request object, an authentication completion indication object, an email input field, and a loan receipt It may include an account selection field, a selection object, a selection completion object, and a new account registration object.

The new account registration object may include a financial institution selection object, an account number input field, a real account authentication confirmation object, and an authentication completion object.

A window asking whether to designate the newly registered account as a loan receiving account may be displayed.

5 is an exemplary diagram of an investment target item selection and loan condition input screen for condition-customized investment application input in the condition-customized P2P secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 5 , a stock search field and a stock search execution object may be displayed in the investment target stock selection window.

If you click the stock search execution object, a new window may be displayed in which you can select an investment target. The investment target item selection window may include an immediate loanable item display object for arranging and displaying only items available for immediate loan, and a full item display object for arranging and displaying all loanable items. An item name for each item and information indicating whether immediate loan is possible may be displayed. If any item is selected, the item selection window may be closed.

An investment amount input field per stock may be displayed. A minimum investment amount and a maximum investment amount may be displayed for input.

A field for entering the loan interest rate for the investment is displayed. For example, the unit of information input in the loan interest rate input field is the annual interest rate, and may be expressed as %. The interest rate on the loan may be, for example, an investment loan interest rate of 12.05% or higher and may be limited to, for example, an annual interest rate of up to 20%. However, the present invention is not limited thereto.

A loan period selection object may be displayed. The loan term can be, for example, from 3 months to 12 months.

A loan-to-collateral ratio field may be displayed. The unit of information input in the collateral-to-loan ratio field may be %. The loan ratio can be as low as 20%.

A loan start date input field and a loan end date field may be displayed.

An interest income deposit automatic deposit selection field may be displayed.

An interest income receiving account information registration field may be displayed. An account registered in the interest income receiving account information registration field may be designated as an interest income receiving account.

6 is an exemplary diagram of a display screen of a mortgage loan product in a condition-customized P2P secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6 , the financial technology service apparatus 100 may sort and provide secured loan products opened according to a search condition selected by the second information terminal 500 .

The loan product display screen may provide a variety of loan products sorted by item name, loan amount, loan interest rate, loan period, loan end date, and loan ratio. Here, a loan application may be performed through a loan application. In addition, it is possible to search for and display loan products matching the search conditions entered in the search box.

On the other hand, in one embodiment of the present invention, it has been described that the platform usage fee is paid by the investment applicant in the name of the performance deposit in order to guarantee the stability of the process according to the progress of the condition-tailored P2P collateral loan.

In another embodiment of the present invention, in order to double guarantee the stability of the process according to the progress of the condition-tailored P2P collateral loan, the platform usage fee may be charged to the loan applicant in the name of the performance deposit under certain conditions. However, the present invention is not limited thereto, and various modifications may be made.

In an embodiment of the present invention, the condition-tailored P2P collateral loan financial technology service method of replacing and storing stocks provided as collateral or storing real stocks such as stock withdrawal certificates, and issuing loans to loan applicants using the stored stocks as collateral has been described in detail.

In addition, it has been explained that the funds of the investment applicants who want to invest their cash assets in the crowdfunding method are collected and loaned to the loan applicants.

However, in an embodiment of the present invention, some descriptions of the processing of data and electronic signals for performing the common procedures of stock-secured loans, P2P loans, and crowdfunding and the procedures may be omitted. As for such parts, if you have knowledge in the relevant field, you can select and implement variously by conventional procedures and data and electronic signal processing. It can be seen that the technical service method can be implemented in various ways.

In addition, in one embodiment of the present invention, the condition-customized investment application information includes the item name, the number of stocks, the loan amount, and the stock investment reliability evaluation grade, the stock investment reliability evaluation grade is the rate of return according to the stock trading information of the loan applicant. The case of the evaluation grade calculated by synthesizing the first evaluation grade based on absolute returns calculated by reflection and the second evaluation grade based on relative returns calculated by linking the fluctuation rate of market information to the first evaluation grade has been described.

Accordingly, in another embodiment of the present invention, a condition-customized P2P secured loan financial technology service method can be performed by applying a stock investment reliability evaluation based on stock investment performance. In other words, investment performance based on absolute return calculated based on stock trading information of the subject to be evaluated, such as an over-the-counter stock investment applicant, and investment performance based on relative return calculated by correlating composite index, industry index, sales standard, and similar company information. Considering this, it is possible to calculate the evaluation grade to evaluate the reliability of stock investment of the subject to be evaluated, determine the financial transaction limit at the time of stock collateral loan or loan, and perform condition-tailored P2P collateral loan financial technology service based on this.

To this end, in another embodiment of the present invention, the financial technology service device may include a stock trading and market information collecting unit, an evaluation grade calculating unit, an evaluation grade providing unit, a financial transaction limit determining unit, and a data storage unit.

The financial technology service device may collect stock trading information and stock market information of an evaluation target through the stock trading and market information collection unit. Evaluation considering the investment performance based on absolute returns calculated based on the stock trading information of the subject to be evaluated through the evaluation grade calculation unit, and the investment performance based on relative returns calculated by linking the comprehensive index, industry index, sales standard, and similar company information An evaluation grade for evaluating the stock investment reliability of the subject may be calculated. Through the evaluation grade providing unit, the evaluation grade of the subject to be evaluated may be provided to the information terminal together with the identification information of the subject to be evaluated. The financial transaction limit determining unit may determine the financial transaction limit of the subject to be evaluated based on the evaluation grade.

Here, the evaluation grade calculation unit may calculate an evaluation grade for determining the limit of financial transaction of the subject to be evaluated. The evaluation grade may be calculated in consideration of investment performance based on absolute return and investment performance based on relative return.

Investment performance based on absolute return can be calculated based on the stock trading information of the subject to be evaluated. Here, it may be calculated as the first evaluation grade. Investment performance based on relative return is calculated by linking the composite index, industry index, sales standard, and similar company information. Here, it may be calculated as the second evaluation grade.

The evaluation grade calculation unit divides the items of the evaluation target by composite index, industry index, sales standard, and similar company by over-the-counter market, KOSPI, KOSDAQ, and KONEX.

For example, the evaluation grade calculation unit may extract companies in the range of -50% to 200% of the sales of the evaluation target company among companies classified by industry based on sales.

For example, the evaluation grade calculation unit may extract companies whose products identical to or similar to the evaluation target company account for 40% or more of the total sales as the extraction criteria of similar companies.

The evaluation grade calculation unit can calculate the relative return-based investment performance by correlating the fluctuation rate compared to the period of stocking and shipment in the state that each reflection ratio is set for each composite index, industry index, sales standard, and similar company.

The evaluation grade calculation unit may include a first evaluation grade calculation unit, a second evaluation grade calculation unit, an application ratio calculation unit, and a third evaluation grade calculation unit.

The first evaluation grade calculation unit may calculate a first evaluation grade of the subject to be evaluated. The first evaluation grade may be calculated by measuring the first investment performance according to the trading profit for each item of the subject to be evaluated. The first investment performance refers to the investment performance according to the trading profit for each stock based on the stock trading information of the subject to be evaluated.

The second evaluation grade calculation unit may calculate a second evaluation grade of the subject to be evaluated. The second evaluation grade may be calculated by measuring the second investment performance of the subject to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the comprehensive index, index by industry, sales basis, and investment performance of similar companies.

The application rate calculator may calculate a third application rate to be used to determine the financial transaction limit of the evaluation target. The third application rate may be calculated based on the first application rate corresponding to the first evaluation level and the second application rate corresponding to the second evaluation level.

For example, the application rate calculation unit obtains a third value by multiplying a first value obtained by subtracting the minimum value of the application rate from the maximum value of the application rate and a second value obtained by adding the first application rate and the second application rate, and the third value A value obtained by multiplying a fourth value obtained by adding the minimum value of the application rate to 100 by 100 may be calculated as the third application rate.

The third evaluation grade calculation unit may calculate a third evaluation grade of the subject to be evaluated. The third evaluation level is a level determined to determine the financial transaction limit of the subject to be evaluated. The third evaluation level may be determined in consideration of the first evaluation level and the second evaluation level.

The evaluation level providing unit may provide the evaluation level of the subject to be evaluated together with the identification information of the subject to be evaluated to the information terminal.

The financial transaction limit determining unit may be implemented including an item collateral value determining unit, a collateralized transaction limit determining unit, an investment management limit determining unit, and a loan application limit determining unit.

The stock collateral value determination unit may calculate and determine the stock security value for any stock stock. The collateral transaction limit determining unit may determine an allowable collateral transaction limit for the subject to be evaluated. Here, the collateral limit may be determined by reflecting the third application rate of the subject to be evaluated in the calculated item collateral value. In other words, the collateral limit is the collateral limit reflecting investment performance. The investment management limit determining unit may determine an allowable limit for attracting investment to the subject of evaluation. The limit of attracting investment may be determined by reflecting the third application rate of the subject to be evaluated.

The loan application limit determining unit may determine an allowable loan application limit for the subject of evaluation. The loan application limit may be determined by reflecting the third application rate of the evaluation target.

Accordingly, in the condition-customized P2P secured loan financial technology service method according to another embodiment of the present invention, a loan to a loan applicant who wants a loan using an over-the-counter stock as collateral using a stock investment reliability evaluation method based on stock investment performance It is possible to determine the limit and, based on this, perform a condition-tailored P2P secured loan financial technology service.

Here, it is preferable that the loan applicant has a history of trading over-the-counter stocks in the past. A standardized loan that evaluates the stock investment reliability of the subject to be evaluated with numerical data based on the past investment performance of the subject to be evaluated by performing a stock investment reliability evaluation based on stock investment performance in financial technology services limit calculation is possible.

For example, a loan applicant who wants high securitization using unlisted over-the-counter stocks as collateral can derive high securitization based on the loan applicant's confidence in stock investment.

Compared to the standardized loan limit calculation method through the stock investment reliability evaluation method based on stock investment performance, the atypical method of calculating the loan limit is based on the intrinsic value of collateralized unlisted over-the-counter stocks. value can be calculated.

For example, if an unlisted over-the-counter stock called A can be loaned out with a collateral ratio of 30% to 50%, the loan price is set at a collateral ratio of 30% to 50% through an atypical method (credit rating, past transaction history of the borrower, etc.) This can be calculated.

However, even when this atypical method of calculating the loan limit (credit rating, borrower's past transaction history, etc.) is applied, the loan price is calculated closer to 30% rather than 50%. This is due to the risk of unlisted stocks.

Therefore, in the condition-tailored P2P secured loan financial technology service method according to an embodiment of the present invention, by performing a stock investment reliability evaluation based on stock investment performance, such a non-standard method (credit rating, past transaction history, etc.) , it is possible to enable additional loan limits for loan applicants by using a standardized method that evaluates the reliability of stock investment of the subject to be evaluated by synthesizing investment performance based on absolute return and investment performance based on relative return.

In this case, an additional loan portion may be calculated based on the transaction details. Therefore, the loan applicant must have a history of buying and selling unlisted over-the-counter stocks in the past. If the loan applicant has a history of buying and selling item B in the past, he/she will submit a record of stocking or shipment to the National Tax Service. This is because the IRS needs these records for the purpose of determining securities transaction and transfer taxes. Also, these records will remain in the case of transfer or transfer to another person through a securities company.

Therefore, the financial service device for condition-tailored P2P collateral loan financial technology service identifies the borrower's past absolute return through the record of shipment and receipt submitted to the National Tax Service and the transaction history of the broker's account, and compares the B items stored in the DB It is possible to classify professional investment applicants (borrowers) by understanding the relative rate of return based on the index, etc., and automatically determine additional loans accordingly.

To this end, in the financial service apparatus according to an embodiment of the present invention, the evaluation grade is based on the absolute and relative returns of the professional investment applicants who wish to borrow in the loan limit calculation method for stock investment reliability evaluation based on stock investment performance. can be calculated.

The past trading history of professional investment applicants who wish to borrow money can determine the success of the investment and further the probability of future investment success. And the more data there is, the more reliable the rating will be. This part refers to investment performance based on absolute return.

However, when the relative return-based investment performance is reflected along with the absolute return-based investment performance, the meaning of equity investment reliability evaluation in the condition-tailored P2P secured loan financial technology service method is properly implemented, and additional loans for professional investment applicants who wish to borrow The amount can be precisely calculated.

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

Claims (21)

receiving, by the financial technology service device, condition-tailored investment application information including information on unlisted stocks corresponding to non-cash assets to be provided as collateral from one or more first information terminals and information on loan conditions available for immediate loan;
opening, by the financial technology service device, a mortgage loan product based on the condition-customized investment application information;
receiving, by the financial technology service device, loan application information for applying for the opened secured loan product from one or more second information terminals; and
The financial technology service device performs a security loan advance procedure using the unlisted stock as collateral with any second information terminal selected based on the loan application information, and adds to the secured loan application information received from the second information terminal. performing processing of data and electronic signals for remittance of a loan to a designated account;
The above condition-tailored investment application information includes stock item name, number of stocks, loan hoped amount, and stock investment reliability evaluation grade,
The stock investment reliability evaluation grade is a first evaluation grade based on absolute returns calculated by reflecting the rate of return according to the loan applicant's stock trading information, and a relative return based on the first evaluation grade and the relative return calculated by linking the fluctuation rate of market information to the first evaluation grade. 2 evaluation grades, and is calculated based on a third evaluation grade determined based on the first evaluation grade and the second evaluation grade,
The third evaluation level is used to determine the financial transaction limit of the subject to be evaluated,
The second evaluation grade based on the relative profit is calculated in association with at least one of a comprehensive index, an index by industry, sales standards, or similar company information,
The first evaluation grade is calculated by measuring the first investment performance according to the trading profit for each item of the subject to be evaluated,
The first investment performance is the investment performance according to the trading profit for each item based on the stock trading information of the subject to be evaluated,
The second evaluation grade is calculated by measuring the second investment performance of the subject to be evaluated,
The second investment performance is the investment performance according to the difference between the first investment performance and the composite index, the index by industry, the sales standard, or the investment performance of a similar company,
The third evaluation grade is determined based on the third application rate,
The third application rate is calculated based on the first application rate corresponding to the first evaluation level and the second application rate corresponding to the second evaluation level,
The third application rate is obtained by multiplying a first value obtained by subtracting the minimum value of the application rate from the maximum value of the application rate and a second value obtained by adding the first application rate and the second application rate to obtain a third value, It is calculated as a value obtained by multiplying the fourth value by adding the minimum value of the application rate to the value multiplied by 100,
The stock investment reliability evaluation grade is transmitted along with the identification information of the subject to be evaluated,
The stocks subject to evaluation related to the above-mentioned stock investment reliability evaluation rating are divided into OTC market, KOSPI, KOSDAQ, and KONEX by composite index, by industry index, by sales basis, and by similar company.
The stock investment reliability evaluation grade-related evaluation companies are classified into companies in the range of -50% to 200% of the target company's sales among companies classified by industry based on sales,
The extraction criteria for the similar companies are classified as companies whose products are the same as or related to the evaluation target company equal to or greater than 40% of the total sales,
The second investment performance is calculated by correlating the fluctuation rate compared to the period of the stocking date and the shipment date in the state that each reflection ratio is set for each composite index, industry index, sales standard, and similar company,
The pre-procedure of the secured loan is,
conducting, by the financial technology service device, a demand prediction survey for unlisted stocks and loan conditions to be provided as collateral through communication with the second information terminal based on the customized investment application information received from the first information terminal; and
Receiving, by the financial technology service device, customized investment application information including unlisted stock information and loan condition information to be provided as collateral after the demand forecast survey result information is reflected from the first information terminal;
The step of conducting the demand forecasting survey is,
transmitting demand forecast request information to the second information terminal;
receiving demand forecast result information from the second information terminal; and
Comprising the step of determining whether the recruitment amount is satisfied based on the received demand prediction result information,
When the solicitation amount is satisfied, the investment possible guide information is transmitted to the first information terminal, and when the solicitation amount is not satisfied, the investment non-investment guide information is transmitted to the first information terminal,
The condition-customized investment application information is generated based on the investment target item selection and loan condition input screen for the condition-customized investment application input,
The investment target stock selection window includes a stock search field and a stock search execution object,
The item search execution object includes an investment amount input field per item, an investment target loan interest rate input field, a loan period selection object field, and a loan-to-collateral ratio field. delete delete delete delete delete delete delete delete Storing condition-tailored investment application information, loan product information, and loan application information including unlisted stock information corresponding to non-cash assets to be provided as collateral received from one or more first information terminals and loan condition information that can be borrowed immediately data storage unit; and
Open a mortgage product based on the condition-customized investment application information received from the one or more first information terminals, and receive loan application information for applying for the opened mortgage loan product from one or more second information terminals, A second information terminal selected based on the loan application information and a security loan advance procedure using the unlisted stock as collateral are performed, and the loan is transferred to the account specified in the secured loan application information received from the second information terminal A processor for processing data and electronic signals for
The above condition-tailored investment application information includes stock item name, number of stocks, loan hoped amount, and stock investment reliability evaluation grade,
The stock investment reliability evaluation grade is a first evaluation grade based on absolute returns calculated by reflecting the rate of return according to the loan applicant's stock trading information, and a relative return based on the first evaluation grade and the relative return calculated by linking the fluctuation rate of market information to the first evaluation grade. 2 evaluation grades, and is calculated based on a third evaluation grade determined based on the first evaluation grade and the second evaluation grade,
The third rating level is used to determine a financial transaction limit,
The second evaluation grade based on the relative profit is calculated in association with at least one of a comprehensive index, an index by industry, sales standards, or similar company information,
The first evaluation grade is calculated by measuring the first investment performance according to the trading profit for each item of the subject to be evaluated,
The first investment performance is the investment performance according to the trading profit for each item based on the stock trading information of the subject to be evaluated,
The second evaluation grade is calculated by measuring the second investment performance of the subject to be evaluated,
The second investment performance is the investment performance according to the difference between the first investment performance and the composite index, the index by industry, the sales standard, or the investment performance of a similar company,
The third evaluation grade is determined based on the third application rate,
The third application rate is calculated based on the first application rate corresponding to the first evaluation level and the second application rate corresponding to the second evaluation level,
The third application rate is obtained by multiplying a first value obtained by subtracting the minimum value of the application rate from the maximum value of the application rate and a second value obtained by adding the first application rate and the second application rate to obtain a third value, It is calculated as a value obtained by multiplying the fourth value by adding the minimum value of the application rate to the value multiplied by 100,
The stock investment reliability evaluation grade is transmitted along with the identification information of the subject to be evaluated,
The stocks subject to evaluation related to the above-mentioned stock investment reliability evaluation rating are divided into OTC market, KOSPI, KOSDAQ, and KONEX by composite index, by industry index, by sales basis, and by similar company.
The stock investment reliability evaluation grade-related evaluation companies are classified into companies in the range of -50% to 200% of the target company's sales among companies classified by industry based on sales,
The extraction criteria for the similar companies are classified as companies whose products are the same as or related to the evaluation target company equal to or greater than 40% of the total sales,
The second investment performance is calculated by correlating the fluctuation rate compared to the period of the stocking date and the shipment date in the state that each reflection ratio is set for each composite index, industry index, sales standard, and similar company,
The processor is
The financial technology service device conducts a demand forecasting survey for unlisted stocks and loan conditions to be provided as collateral through communication with the second information terminal based on the customized investment application information received from the first information terminal,
Controlling the financial technology service device to receive, from the first information terminal, customized investment application information including unlisted stock information and loan condition information to be provided as collateral that is modified by reflecting the information on the demand prediction survey result,
The processor is
Transmitting demand prediction request information to the second information terminal,
Receives demand prediction result information from the second information terminal,
The demand forecasting investigation is carried out by determining whether the recruitment amount is satisfied based on the received demand forecasting result information,
When the solicitation amount is satisfied, the investment possible guide information is transmitted to the first information terminal, and when the solicitation amount is not satisfied, the investment non-investment guide information is transmitted to the first information terminal,
The condition-customized investment application information is generated based on the investment target item selection and loan condition input screen for the condition-customized investment application input,
The investment target stock selection window includes a stock search field and a stock search execution object,
The item search execution object includes an investment amount input field per item, an investment target loan interest rate input field, a loan period selection object field, and a loan-to-collateral ratio field. delete delete delete The method according to claim 1, wherein the financial technology service device communicates with a financial support server to perform an interest payment and investment return payment process based on the secured loan. According to claim 1,
and receiving, by the financial technology service device, at least a portion of the deposit of the investment applicant from the one or more first information terminals, as the loan investment amount. According to claim 1,
The step of the financial technology service device opening a secured loan product,
A condition-tailored P2P secured loan financial technology service method in which the financial technology service device opens a mortgage loan product based on the condition-customized investment application information when the platform usage fee is paid according to the condition-customized investment application information. 17. The method of claim 16,
The financial technology service device, when there is a request to cancel the condition-tailored loan proceeding from the first information terminal in a state in which the loan product attraction is completed or the loan product attraction process is in progress, the platform usage fee is non-refunded and the opened loan A method of customized peer-to-peer secured loan financial technology service comprising the step of removing the product. According to claim 1,
When the financial technology service device pays for the platform usage fee from the second information terminal and the loan product attraction is completed or the loan product invitation process is in progress, the second information terminal cancels the condition-customized loan process If there is, a condition-tailored P2P secured loan financial technology service method comprising the step of non-refunding the platform usage fee. delete According to claim 1,
and selecting, by the financial technology service device, one second information terminal from among the one or more second information terminals to which the loan application information has been received, based on a priority set in advance among the condition-customized investment application information; Mortgage loan financial technology service method. According to claim 1,
and providing, by the financial technology service device, sorting and providing the opened secured loan products according to a search condition selected by the second information terminal.

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