KR20030068326A - Lisk adapting type loan/investment intermediation system and method of the same - Google Patents

Abstract

PURPOSE: A system and a method for intermediating risk adapted loan and investment are provided to decrease a false credit by reducing the risk steeply as distributing the loan risk to an individual or a low level finance company, and to make the individual join in the high profit finance investment. CONSTITUTION: Debtor terminals(A1-An) include a web browser, a key input tool, and a communication tool to register the personal information and the loan request information of the debtor. Finance company servers(2BS1-2BSn,3BS1-3BSn) search the load request information registered by the debtor terminals(A1-An) in order to make the loan to the debtor. A loan/investment intermediation server(10) calculates the loan limit price by analyzing the debtor information and the loan request information, carries out the loan, and carries out the reverse auction for the loan participation from other finance companies by registering the information for the remaining loan price.

Description

Risk-Adaptive Loan and Investment Brokerage System and its Methods {LISK ADAPTING TYPE LOAN / INVESTMENT INTERMEDIATION SYSTEM AND METHOD OF THE SAME}

The present invention relates to a risk-adaptive loan and investment brokerage system and a method thereof, and more particularly, to risk-adjusted loans and investments that can generate loans to borrowers using investments of various financial companies and individual investors as investment sources. It is about an intermediary system and its method.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, a variety of electronic financial solutions have been developed recently, so that ordinary individuals can be provided with very convenient electronic financial services, but they are also just loading online financial products that are currently sold offline. This is almost no different from the offline financial instruments. The only difference is that it eliminates the inconvenience of visiting a bank. Therefore, in order to induce the activation of financial transactions, it is concluded that high merits of financial products reflecting current financial ideology should be developed.

In particular, due to the recent fall in market interest rates, the interest rate difference between the procurement rate and market interest rate is very small, unlike the past, when the profit from the deposits and loan products using the interest rate difference between the procurement rate and the market interest rate was the income of the entire bank. The development of new sources of income is very necessary. Therefore, although the financial sector is accelerating the development of income sources such as the collection of fees for various services and the increase in the amount of fees, there is a problem that the income for the service fees is too small compared to the required income of the entire financial sector. In other words, the current financial sector has almost no high value-added products.

This problem applies equally to financial investors who live on income from interest as well as the financial sector. In other words, financial investors, who had secured significant income only by financial investments at high market interest rates, showed a significant decrease in current financial incomes compared to past financial incomes as the low interest rate era arrived.

The economic situation of the times has caused a problem that the saving rate of personal savings is reduced, and that the stock investment of the financial sector through deposits is not activated due to the reduction of savings rate, and thus, the flow of commercial funds is not evenly distributed. In addition, in the case of stock investment, there is a problem that the risk of principal loss is too high, and the loss amount cannot be set. Therefore, there is a problem that financial investors are unable to secure safe and high-interest investments in the ultra-low interest era.

In contrast, lenders' lending rates have not dropped significantly compared to the past. If the mortgage is secured, such as mortgage loans, the lending rate will be lowered. However, in the case of non-credit loans, there is no significant difference from the past due to the fluctuation of the deposit rate. The reason for this is that if the loan is not recovered from the lender, the lender that made the loan is responsible for most of the loan, and since the enormous cost is required to recover the loan, the loan interest rate is determined in consideration of all these points when the loan occurs. Because it becomes. In other words, there is a structural problem that a single financial company is responsible for the collection of loans and in case of a loan accident.

On the other hand, lenders who lack credit or mortgages cannot borrow in the first financial sector and are loaned through second and third financial sectors or creditors, and loaners often collect loans illegally. Therefore, there is a problem that the borrower is reluctant to borrow because it is difficult to have confidence. In other words, it is urgent to develop products that not only lead the creditors in the shade, but also provide the desired loans even for the bad creditor or the lender who has no collateral.

In addition, the existing financial products have been introduced as a single product only on the market itself, but in the current complex trend, such a single product does not have a complex marketing effect, and thus the revenue decreases relatively. There is a problem that this will eventually lead to a weak financial competitiveness.

The present invention has been made in view of the above-described circumstances of the prior art, and a loan is made to a specific lender based on the first financial company, and when the loan limit is exceeded, the excess amount is set to the second or third center of the first financial company. The purpose is to provide a risk-adapted loan and investment brokerage system and a method for the lender to deal with the loan in reverse auction.

Another object of the present invention is to provide a risk-adaptive loan and investment brokerage system and method for lending a loan desired amount of a lender by a reverse auction to a plurality of first financial companies and second and third financial companies.

Another object of the present invention is to allow a large number of individual investors to view the information of a plurality of loan applicants, and to allow individual investors to raise loans individually at high interest rates, and to bear the risk for them. To provide a risk-adaptive loan and investment brokerage system and methods.

Another object of the present invention is a risk-adaptive loan and investment brokerage system and method for allowing a large number of individual investors to make loans to a plurality of lenders who wish to lend the loans to individual investors as collateral in the financial sector. In providing.

Another object of the present invention is a risk-adaptive loan and investment brokerage system that allows a large number of individual investors to make loans to a plurality of lenders who want to lend the loans to the individual investors as collateral And the method.

Another object of the present invention is to register a plurality of e-commerce companies, and when the lender purchases the goods of the registered company, or introduce the purchase to reduce the interest rate by a certain rate to activate the sale of e-commerce and its financial products. To provide a risk-adaptive loan and investment brokerage system and methods to allow loans to be deferred upon purchase and introduction.

Another object of the present invention is to provide a risk adaptive loan and investment brokerage system and method for adjusting a lender's risk rate disclosed by a financial company to the presentation of individual conditions of an investor.

It is another object of the present invention to provide a risk-adaptive loan and investment brokerage system and method for increasing an investor's credit card loan limit as a condition of the investor's investment security when lending the loan to the lender.

1 is a schematic diagram schematically showing the configuration of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention;

Figure 2 is a block diagram showing the configuration of the online loan / investment brokerage server according to a first embodiment of the present invention,

3 is a diagram illustrating a DB of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention, and a process of searching the DB thereof;

4 is a view showing a loan financial company selection method of risk adaptive loan and investment brokerage system according to a first embodiment of the present invention,

5 is a diagram illustrating a data transmission and reception state of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention;

6 is a flowchart showing a signal flow of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention;

7 is a schematic diagram schematically showing the configuration of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention;

8 is a block diagram showing the configuration of the online loan / investment brokerage server according to a second embodiment of the present invention,

9A to 9E are diagrams illustrating a data processing procedure of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention;

10A, 10B, and 10C are flowcharts showing signal flows of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention;

11 is a schematic diagram schematically showing the configuration of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention;

12 is a diagram showing a data processing state of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention;

13 is a view showing a loan / investment DB of the risk-adaptive loan and investment brokerage system according to a third embodiment of the present invention,

14 is a flowchart illustrating a signal flow of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention;

15 is a schematic diagram showing the configuration of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention;

16 is a diagram showing a data processing state of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention;

17 is a flowchart illustrating a signal flow of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: Loan terminal, 2BS1-2BSn: Second financial company server,

3BS1 to 3BSn: third financial company server, FICS: financial insurance company server,

B1 to Bn: Investor Server, C1 to Cn: Reinvestor Server,

LIIS: loan / investment brokerage server.

In order to achieve the above object, according to a preferred embodiment of the present invention, regardless of the type of financial company, the lender who wishes to receive a loan investment registers the borrower's personal information and the loan hope information, the web browser and A lender terminal provided with key input means and communication means; A financial company server for retrieving loan desired information from second and third financial companies and various financial companies including trusts and safes to generate loans to the lenders; Analyzes loan information and loan desired information transmitted from the lender terminal to calculate the amount of loans available, perform partial or total loans for the loan, and register information on the remaining loan amount to execute loan participation of other financial companies in a reverse auction manner. Provided is a risk adaptive loan and investment brokerage system comprising a loan / investment brokerage server.

Advantageously, the selection of the financial company for the residual money in the loan / investment intermediation server is automatically adapted according to the loan period and the loanable amount, the loan rate of the financial company for a specific lender risk adaptive loan and investment An intermediary system is provided.

Preferably, the loan / investment intermediary server is provided with a communication module for receiving a loan request information and personal information from the lender terminal, and makes a communication connection to access the loan information from the financial company server; A lender information manager for managing the lender information in association with the credit inquiry and the authentication server; A financial company information management unit for managing information of the financial company; A loan rate settlement unit that manages the loan rate set by the financial institution for each lender; A loan reverse auction management unit that manages reverse auction information for generating a loan to a specific lender in a reverse auction method; A data conversion unit for converting data suitable for wired / wireless terminals and servers; A loan rate adjusting unit for adjusting the loan rate according to the change in the credit rating of the borrower; A lender information DB for storing loan information and loan information; A financial company information DB that stores the financial company that generated the loan in association with the borrower information; A loan rate settlement algorithm for calculating and distributing a set loan rate of each financial company that generated a loan to a specific lender; A loan / investment matching information DB for storing route information so that lenders and financial company information may be linked to each other; Interest rate fluctuation information DB for storing the change in the loan rate according to the change in the degree of credit of the borrower by date; Analyze the loan desire information of the lender, calculate the possible loan amount, execute reverse reverse auctions to a number of financial companies so that the balance can be loaned through various financial companies, and average the loan interests suggested by the financial companies participating in the loan. A risk adaptive loan and investment brokerage system is provided which comprises a control unit for controlling the distribution payment to the financial institution when the loan interest is deposited.

Preferably, the lender information file stored in the lender information DB includes a lender's job, a risk ratio according to creditworthiness, a total loan desired amount, information loaned in advance from another financial institution, loan interest rate information, and remaining loan information. Provided is a risk adaptive loan and investment brokerage system comprising a.

On the other hand, the present invention provides a process for registering a loan request information for a borrower who wants to borrow; Calculating, by the loan / investment brokerage server, the loan availability by analyzing information of the borrower; If only a part of the loan for the total loan amount required by the borrower is available, registering the loan information on the balance in the DB; Another financial company viewing the remaining loan information and the borrower information; Registering the loan limit and loan condition information by another financial company; Selecting a specific financial company through loan information of other registered financial companies; Calculating a loan loan rate to be paid by the lender through loan rates of various financial companies participating in the loan; Determining whether the lender wishes to obtain a loan on the condition; A risk adaptive loan and investment brokerage method is provided which comprises a process of generating a loan.

The present invention also provides a lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information. Wow; A personal investor terminal having a web browser, a key input means, and a communication means for outputting information therein for making a loan investment to the lender; A financial insurer server provided in a financial insurer that guarantees payment of an investment within a certain limit in order to reduce the risk for the loan investment of the individual investor, and calculates an insurance amount according to the risk ratio of the lender; Analyzes the borrower information and the loan hope information transmitted from the lender terminal to calculate the amount of loans available, perform partial or total loans on it, and register information on the remaining loan amount so that a plurality of individual investors participate in the loan in a reverse auction manner. Provided is a risk adaptive loan and investment brokerage system comprising a loan / investment brokerage server to execute.

Preferably, the loan / investment brokerage server is provided with a risk-adaptive loan and investment brokerage system, which sets in advance the risk limit of the loan investment for the lender for each individual investor participating in the investment.

Preferably, the loan / investment brokerage server is provided with a risk-adaptive loan and investment brokerage system, characterized in that to manage the portfolio information for the individual investor's loan investment DB by individual investors.

On the other hand, the present invention is the process of registering the information of the lender by the online loan / investment brokerage server; Viewing the loan information by the individual investor; Selecting a specific lender by the individual investor; Transferring the investment; A risk adaptive loan and investment brokerage system is provided which comprises a process in which loan investment information is registered for individual investors.

Preferably, the process of determining whether the loan interest is deposited from the lender; A risk-adaptive loan and investment brokerage system is provided that further includes a process of splitting loan interest according to the contracted distribution rate of individual investors participating in the loan investment of each lender.

Preferably, the personal investor is provided with a risk-adaptive loan and investment brokerage system, characterized in that the lender can secure a loan from the financial company with the loan investment amount for the particular lender.

Preferably, in order to reduce the lending investment risk for a particular lender, a risk adaptive loan and investment brokering method is provided, wherein the individual investor can purchase financial insurance.

Preferably, the private investor registers the information to transfer the loan investment right before the loan period expires for the lender; The process of retrieving the information by the middle investor; Among them, the investor registers the application information for purchase of the specific loan investment right; A risk adaptive loan and investment brokerage system is provided which comprises a process of transferring the loan investment right.

Preferably, the payable investment rate registered in advance for each lender in the online loan / investment intermediation server is provided with a risk adaptive loan and investment brokerage method, characterized in that the change according to whether the financial insurance.

The present invention also provides a lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information. Wow; A personal investor terminal equipped with a web browser, a key input means, and a communication means for outputting information therein so as to make a loan investment to the lender and register return information in order to receive an indirect investment for the investment; An indirect investigator terminal equipped with a web browser, a key input means, and a communication means for outputting information registered through the individual investor terminal in order to make an indirect investment to the individual investor; Analyzes the borrower information and the loan hope information transmitted from the lender terminal to calculate the amount of loans available, perform partial or total loans on it, and register information on the remaining loan amount so that a plurality of individual investors participate in the loan in a reverse auction manner. A risk-adaptive loan and investment brokerage method is provided which comprises a loan / investment intermediation server that executes and sets the investment amount of the individual investor as collateral when the indirect investor invests in the individual investor.

Preferably, the information registered in the loan / investment brokerage server includes loaner information, loan information, investor information, loan interest rate, investment interest rate, deposit security setting, indirect investor information, and indirect investment interest information based on the borrower. A risk adaptive loan and investment brokerage system is provided.

On the other hand, the present invention is the process of lenders register loan information; A process of determining a loan investment by a personal investor by selecting a specific borrower according to the loan information of the borrower; Indirect investor viewing the indirect investment desired information of the individual investor to select a specific individual investor; Indirect investment of indirect investors; A risk adaptive loan and investment brokerage method is provided which comprises a process in which a direct loan investment of an individual investor is generated.

Preferably, the risk-adjusted loan and investment brokering method is characterized in that the profit share ratio of the individual investor and the indirect investor is pre-arranged before investment.

Preferably, the risk-adaptive loan and investment brokerage method is provided further comprising the step of collaterally setting the investment amount of the indirect investor out of the loan investment amount of the individual investor when the loan investment for the lender occurs.

The present invention also provides a lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information. Wow; An electronic commerce server equipped with electronic payment means for registering various product information so that the lender can purchase or introduce a purchase and purchase the product in real time; Analyzes loan information and loan request information transmitted from the lender terminal, calculates the amount of loans available, makes loans for it, and further reduces loan interest rates for product purchases and introductions registered on the lender's e-commerce server. Provided is a risk adaptive loan and investment brokerage system comprising a loan / investment brokerage server for processing.

On the other hand, the present invention is the process of registering the product information by the e-commerce company linked in advance; The lender purchasing or introducing the goods; There is provided a risk adaptive loan and investment brokerage method comprising the process of updating the borrower's purchase and introduction of the purchase to the loan interest.

Preferably, a risk adaptive loan and investment brokerage method is provided, wherein the loan interest that can be lowered by the borrower's purchase and introduction of purchases is less than the fee provided by the e-commerce company.

Preferably, the loan / investment brokerage server may be included inside the second financial institution or the third financial institution, or may be configured alone to recruit investors to financial companies and individuals. A method is provided.

Preferably, the lender borrows and registers the desired loan condition in advance; Searching whether there is an investor who has matched or similar to the loan condition of the lender; A risk adaptive loan and investment brokering method is provided, which may further include a process of transmitting condition information matching or similar to the loan condition of the lender to the investor and the lender.

Preferably, a risk adaptive loan and investment brokering method is provided that enables the investor to expand and adjust yields subject to more loss risk.

Preferably, a risk-adaptive loan and investment brokering method is provided so that a loan limit may be increased when a credit card loan is made for the loan investment of the individual investor and the indirect investor.

Preferably, when the private investor, indirect investor, and financial company participate in corporate bond investment, a risk-adapted loan and investment brokerage method is provided, which allows the third party to bear the risk of the loss at different rates. .

Preferably, when the private investor, indirect investor, and financial company participate in corporate bond investment, the corporate bond issuing company may provide a purchase point having a discount or free purchasing power as a reward for loss risk when purchasing the company's products. Risk-adapted lending and investment brokerage methods are provided.

Preferably, the risk-adaptive loan and investment brokering method, characterized in that the loan or private investor, indirect investor in advance to give a unique code for confirming the information of the product purchase and purchase introduction, in order to provide compensation benefits in the future Is provided.

Preferably, the risk-adjusted loan and investment brokerage method is characterized in that the loan repayment due date for the lender purchase and purchase introduction.

EMBODIMENT OF THE INVENTION Hereinafter, 1st Embodiment of this invention is described in detail with reference to drawings.

1 is a schematic diagram showing the configuration of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the first embodiment of the present invention registers personal information and financial transaction information for a specific loan prospector (hereinafter referred to as lender) 100a to 100n, and Broker the loan.

In other words, the risk-adaptive loan and investment brokerage system is a system that prioritizes loans and investments, although it directly generates loans, and registers information of the lenders 100a to 100n in the system. A loan / investment intermediation server (LIIS) is provided for providing loan information through access from a server and a terminal, and performing mutual brokerage on loans and investments.

In addition, the risk-adaptive loan and investment brokerage system is provided with a lender terminal (A1 ~ An) for registering the loan desired information and personal information in the loan / investment brokerage server (LIIS), the borrower information to query the loan Second financial company servers 2BS1 to 2BSn and third financial company servers 3BS1 to 3BSn for application are provided.

In this case, the loan / investment intermediation server (LIIS) may be included in the system of a specific first financial company 10, in this case, the first financial company 10 is a broker that leads the brokering action for loans and investments. will be. In this case, the first financial company 10 does not merely broker loans and investments, but at the first financial company 10 based on personal information, financial transaction history, and credit rating of the lenders 100a to 100n. The loan amount is calculated and the loan is first made, and the loan for the remaining amount is passed to the second or third financial company by auction or reverse auction.

In this case, the second financial company or the third financial company, like the first financial company 10, also reads the information on the lender, and also the loan information determined by the first financial company 10 to read, the lender (100a ~ 100n) The loan / investment intermediation server (LIIS) registers a plurality of second financial company servers (2BS1 to 2BSn) and third financial company servers that have registered loan conditions for the lenders 100a to 100n. The information of (3BS1 to 3BSn) is read and a loan financial company is automatically selected.

The automatic selection of the loan financing company from the loan / investment brokerage server (LIIS) is performed by an algorithm that is preprogrammed to select the information closest to the borrower's loan request information. When a loan period is set, it is programmed to select a financial institution that meets the conditions and has the lowest loan rate.

This series of loans and investments is brokered in the loan / investment brokerage server (LIIS), and when the loan / investment brokerage server (LIIS) is included in a specific financial company, the second financial company and the third financial company The loan is made to the lender and the risk is taken, but from the lender's point of view, it is the same effect as the loan from the first financial company. That is, the first financial company simply passes the lender's information to the second or third financial company through the loan / investment intermediation server (LIIS) configured therein, and does not terminate the series of loan intermediation processes. Management and cost accounting, loan interest collection and distribution payments will be performed as a whole. Of course, a certain fee for this will be provided by the lender and the financial company.

In addition, the first financial company first examines whether or not the loan is possible for the borrower through the loan / investment intermediation server (LIIS) configured therein, and causes some loans to be generated if some loans exist. As a result, lending to a particular lender may occur through all of the first, second and third financial institutions, and the average value of the loan rate is calculated by the loan / investment brokerage server (LIIS), and the loan interest is collected and paid to each financial institution. Interest distribution, payment, etc. for the loan / investment brokerage server (LIIS) will be led by the initiative.

For example, when the loan amount desired by the specific lender 100 is 5 million won, the loan / investment intermediation server (LIIS) if the limit of the loan amount that can be loaned in the first financial sector by the creditor 100 of the borrower 100 is 2 million won. The company registers information to generate loans for 2 million won, and the remaining 3 million won to generate loans in the second and third financial sectors. Therefore, when a specific second or third financial company wants to generate a loan for the lender 100, the loan generation information is reviewed to select an optimal financial company, and the loan is generated. In this case, since the loan rates desired by the second and third financial firms are different, the average interest rates of the loan rates presented by the first and second financial firms are the loan interest rates to the lenders.

In this case, the lender 100 can receive a loan very easily only through the first financial institution provided with the loan / investment intermediation server (LIIS), and the loan processing can be completed quickly because the processing is made in real time. . In addition, the loan rate for the entire loan can be relatively reduced because the loan rate can be obtained as much as possible in the first financial sector, which is a low loan rate, and the lending risk is relatively low because each financial company can spread the loan risk of the lender. Will be reduced.

Figure 2 is a block diagram showing the configuration of an online loan / investment brokerage server according to a first embodiment of the present invention.

Referring to this, the loan / investment brokerage server (LIIS) is a communication module, lender information management unit, second and third financial company information management unit, loan rate settlement unit, loan reverse auction management unit, data conversion unit, loan rate adjustment unit, lender information DB, Second and third financial company information DB, loan interest rate settlement algorithm, loan / investment matching information DB, interest rate fluctuation information DB and control unit.

More specifically, reference numeral 12 receives loan request information and personal information from the lender terminals A1 to An, and reads loan information from the second financial company server 2BS1 to 2BSn and the third financial company server 3BS1 to 3BSn. A communication module for performing a communication connection to enable access for the same.

In addition, reference numeral 14 denotes a lender information management unit for managing lender information in association with credit inquiry and certificate server (not shown), and reference numeral 16 denotes second and third financial companies that manage information of second and third financial companies. An information management unit is indicated, and reference numeral 18 denotes a loan interest rate settlement unit that manages loan interest rates set by the first, second, and third financial institutions for each lender.

Also, reference numeral 20 denotes a loan reverse auction management unit that manages reverse auction information for generating a loan to a specific lender by reverse auction method, and reference numeral 22 denotes a data conversion unit for converting data suitable for wired / wireless terminals and servers. . Reference numeral 24 denotes a loan interest rate adjustment unit for adjusting the loan interest rate according to the change in the creditor's credit rating.

Reference numeral 26a denotes a lender information DB for storing loan personal information and loan information, and reference numeral 26b denotes a second and third financial company information DB for storing second and third financial companies that have made a loan in connection with the lender information. , Reference numeral 26c represents a loan rate settlement algorithm for calculating a set loan rate of each financial company that generated a loan for a specific lender and distributing payments.

Reference numeral 26d indicates a loan / investment matching information DB that stores path information so that the lender and financial company information can be linked to each other, and reference numeral 26e indicates an interest rate that stores the change in the loan rate according to the change in the creditor's credit rate by date. Represents the change information DB.

On the other hand, reference numeral 28 analyzes the loan desire information of the lender, calculates the possible loan amount, executes reverse auctions to a plurality of financial companies so that the balance can be loaned through the second and third financial companies, and participates in the loan. Represents a control unit that averages the loan rate presented by a financial institution and controls distribution to the financial institution when the loan interest is deposited.

3 is a diagram illustrating a DB of a risk adaptive loan and investment brokerage system and a DB search process according to the first embodiment of the present invention.

Referring to this, in the lender information DB 26a of the loan / investment intermediation server (LIIS), the loan desire information of the lender is registered, and the loan desired information is composed of one directory or file. The loan request information file 30 may include a name (public or private) of the borrower, a job, a preset loan risk ratio (LISK RATE) according to the creditor's credit rating, a total loan request amount (for example, 5 million won), and the loan. Preliminary loans (eg 2 million) and their interest rates (eg 12%) are posted on the desired amount.

Therefore, the second financial company server (2BS) or the third financial company server (3BS) can read the loan request information file 30 of the borrower, and can generate a loan for the remaining balance of 3 million won, the loan is The loan interest rate must be presented by the financial institution. In other words, the second financial institution may incur a loan of 2 million won to the borrower, and the loan rate at that time may be set to 20%, and the third financial institution may incur a loan of 2 million won to the lender. If the loan rate is set to 30%, the loan / investment brokerage server (LIIS) receives 2 million won at 20% interest rate from the second financial company and 1 million won at 30% interest rate from the third financial company. You are done.

In addition, in the same financial sector, it is possible to competitively generate loans to the lenders. For example, a particular second financial company (2BSa) is subject to a loan rate of 20% at 3 million won, and another second financial company (2BSb) In the case of applying for a loan on the basis of a loan rate of 19% of 3 million won, the loan / investment brokerage server (LIIS) will select the loan to the second financial company (2BSb).

On the other hand, the loan / investment method according to the present invention will have each financial company that is the loan subject to the investment risk for the borrower. In addition, since loans are made to specific lenders, loan risks are also distributed.

4 is a diagram illustrating a loan financial company selection method of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention.

Referring to this, the loan / investment brokerage according to the present invention is performed through a reverse auction method, and if the loan / investment intermediation server (LIIS) registers loan information of a specific lender, the second financial company or agent wants to participate in the loan. 3 The financial company will reveal the intention to participate in the lender by registering the loan availability information in the files 32a and 32b as shown in FIG.

When the second financial company or the third financial company reveals their intention to participate in the loan, the loan / investment brokerage server (LIIS) searches a plurality of loan availability information files to search for the financial company that satisfies the remaining loan of the borrower. Extracted as a loan financing company.

For example, if a borrower can borrow 2 million won from the loan / investment brokerage server (LIIS), which is the first financial sector, and the total loan desired amount is 5 million won, among the files of the financial company received for the remaining loan amount, If the loan rate offered by the financial institution is lower than the loan rate offered by the other financial institution, try to involve the financial company in the loan.

5 is a diagram illustrating a data transmission and reception state of a risk adaptive loan and investment brokerage system according to a first embodiment of the present invention.

Referring to this, the borrower 100 who wishes to borrow using the risk adaptive loan and investment brokerage system according to the present invention registers the loan request information in the loan / investment brokerage server (LIIS). Accordingly, the loan / investment brokerage server (LIIS) analyzes the information of the borrower and evaluates the creditor of the borrower through an online linked credit inquiry server (not shown in the city) to set its own limit and make a loan. If a loan occurs.

If the loan is not possible for the total loan amount requested by the lender, the loan reverse auction is executed by the lender participating financial company for the part of the loan, and the loan / investment brokerage server (LIIS) sends some loan information and the borrower information to the DB. Register it and provide it for the second financial company or third financial company to read it.

When the second financial company or the third financial company browses this and registers the loan limit and loan condition information, the loan / investment intermediation server (LIIS) selects an optimal financial company and informs the financial institution of the selection information and the total loan. Loan information on interest rates and loan amounts is provided to the lender 100.

If the lender 100 wishes to obtain a loan on that condition, a loan is generated and the loan is completed. When the loan interest deposit date arrives and the loan interest is deposited, the loan / investment brokerage server (LIIS) divides the loan interest to the corresponding financial company for each loan interest rate and the loan amount.

In this case, the risk for each individual lender presented by the loan / investment brokerage server (LIIS) may be variably disclosed according to the investment amount and the loan period, and even for the lender of the same lender 100 for each financial company participating in the loan. You can adjust the loan deadline. In this case, the loan / investment intermediation server (LIIS) manages the payment of the loan interest transferred by the lenders 100a to 100n and the payment of the partial payment.

For example, when the first financial company calculates the loan possibility to be 1 million won for the specific lenders 100a to 100n and the risk is 10%, the second or third financial company to the same lenders 100a to 100n. If the company estimates that the loan can be set at 5 million won, the risk is adjusted higher for 4 million won and the risk is disclosed. Therefore, the risk calculation of the lenders 100a to 100n should be adjusted differently according to actual loans for loan periods and loan availability.

Also, for example, the payment process of each financial company for each loan period, when the first financial company generates some loans to a specific lender (100a to 100n) and recruits a second or third financial company or an individual to participate in the loan. The second financial company can make a three-month loan agreement for the lender 100, and the third financial company can make a six-month loan agreement for the lender 100. In this case, the loan / investment intermediation server (LIIS) Segmented principal and loan interest are to be paid out by each financial company.

The function and operation of the risk adaptive loan and investment brokerage system according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

6 is a flowchart showing the signal flow of the risk adaptive loan and investment brokerage system according to the first embodiment of the present invention.

First, the lender 100 who wishes to borrow registers the loan request information in the DB of the loan / investment intermediation server (LIIS) (first step: ST-1). Then, the loan / investment brokerage server (LIIS) analyzes the information of the borrower and calculates its own limit by evaluating the creditworthiness of the borrower through an online credit inquiry server (not shown) (second step). : ST-2).

If the loan is not available for the total loan amount requested by the lender, the loan reverse auction is executed by the participating financial company on the remaining balance minus the possible amount from the total loan desired amount. The loan / investment brokerage server (LIIS) provides the remaining loan information. And by registering the lender information in the DB (step 3: ST-3), so that the second financial company or the third financial company can read it.

When the second financial company or the third financial company reads it (step 4: ST-4) and registers loan limit and loan condition information (step 5: ST-5), the loan / investment brokerage server (LIIS) The optimal financial company is selected (step 6: ST-6), and the selected information is notified to the financial company, and loan information on the total loan interest rate and loan amount is provided to the lender 100 (step 7: ST). -7).

It is determined whether the lender 100 wishes to obtain a loan under the condition (step 8: ST-8), and if a loan is desired, a loan is generated and the loan is completed (step 9: ST-9). .

EMBODIMENT OF THE INVENTION Hereinafter, the 2nd Example of this invention is described in detail with reference to drawings.

7 is a schematic diagram schematically showing the configuration of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the second embodiment of the present invention registers personal information and financial transaction information for a specific loan prospector (hereinafter referred to as lender) 100a to 100n, and The intermediary loan is brokered between individual investors 200a to 200n.

In other words, the risk-adaptive loan and investment brokerage system is a system that prioritizes loans and investments, although it directly generates loans, the information of the lenders 100a to 100n is registered in the system, and individuals A loan / investment intermediation server (LIIS) is provided for providing loan information through access from investors' terminals B1 to Bn, and performing intermediation of loans and investments.

In addition, the risk-adaptive loan and investment brokerage system is provided with a lender terminal (A1 to An) for registering the loan desired information and personal information in the loan / investment brokerage server (LIIS), the loan information is inquired by the borrower Investor terminals B1 to Bn for making an application are configured.

In this case, the loan / investment intermediation server (LIIS) may be included in the system of a specific first financial company 10, based on the personal information and financial transaction history, credit rating, etc. of the borrower (100a ~ 100n) The investment brokerage server (LIIS) calculates the amount of loans available and makes loans primarily, passes the loans on the remaining funds to individual investors in auction or reverse auction mode, or enables individual investors to make loan investments on the entire loan. Mediate.

At this time, the individual investors 200a to 200n, like the loan / investment intermediation server (LIIS), read the information on the borrower, and additionally view the loan information determined by the first financial company, and the lenders 100a to 100n. The loan / investment intermediation server (LIIS) reads the information of a plurality of individual investors (200a to 200n) who have registered loan conditions for the borrowers (100a to 100n). The investor will be selected automatically.

This series of loans and investments is brokered in the loan / investment brokerage server (LIIS), and when the loan / investment brokerage server (LIIS) is included in a specific financial institution, the individual investor can make a loan to a specific lender. And take risks for them, but from the lender's point of view, they have the same effect as borrowing from a first financial company. That is, the loan / investment intermediation server (LIIS) only passes the information of the borrower to the individual investor through the loan / investment intermediation server (LIIS) configured therein, and a series of loan intermediation processes are not terminated. It will generally manage and settle costs, collect loan interest and distribute payments. Of course, a certain fee for this will be provided by the lender and the financial company.

In addition, the first financial company may first check whether the loan is available to the borrower through the loan / investment intermediation server (LIIS) configured therein, and may generate some loans, even if some loans are possible. . As a result, lending to a particular lender may occur through the first financial company or individual investor, and the average value of the loan rate is calculated by the loan / investment brokerage server (LIIS), and the loan interest is collected and the interest for each financial company. The loan / investment intermediation server (LIIS) is also predominantly executed.

In this case, the lender 100 can receive a loan very easily only through the first financial institution provided with the loan / investment intermediation server (LIIS), and the loan processing can be completed quickly because the processing is made in real time. . Each individual investor can diversify loan risks, resulting in relatively low loan risks and high return on investment.

In addition, the risk-adaptive loan and investment brokerage system according to the present invention is configured in connection with the financial insurance company server (FICS), the financial insurance company server (FICS), if the individual investor to buy insurance in preparation for loan risk Guarantee payment for a certain percentage of the total investment. In this case, the amount of insurance required by the financial insurance company is different depending on the loan, and different depending on the creditworthiness of the lenders (100a to 100n).

On the other hand, the individual investor can reduce the probability of occurrence of the loan risk by constructing a loan investment for a plurality of lenders (100a to 100n) in the form of a portfolio.

An individual investor may also transfer the loan investment right to another person before the loan expiration date arrives. For example, an individual investor (200a to 200n) has invested in a loan that has a maturity of one year, and in order to transfer the loan investment right thereof, the transfer information of the loan investment right is registered in the loan / investment intermediation server (LIIS), and the information is transferred to others. It is transferable.

In addition, the individual investors 200a to 200n may receive loans as collateral from a financial company to loan to specific lenders 100a to 100n using a risk adaptive loan and investment brokerage system. This is the same principle as receiving a loan as a deposit collateral, the private investor (200a ~ 200n) can secure a loan from the financial company with the investment amount for the loan to the lender (100a ~ 100n). In this case, the financial institution may take more commission than the fee for direct lending to the lenders 100a to 100n, and the loan risk may be distributed to individual investors 200a to 200n or financial insurance companies. In the case of (200a to 200n), it is possible to invest in high-yield financial products. In particular, since individual investors 200a to 200n can secure loans from financial institutions with the investment amount, they can make investments even when the investment amount (aka seed money) is not secured.

Meaning that the amount of investment is set as collateral means that it is possible to transfer the right of loan investment to a certain lender to another person and to receive the right to borrow another person's loan, but it is possible to sell the loan investment right and transfer it to cash or withdraw cash. Doing so refers to the security that is set to be prevented.

On the other hand, the risk-adaptive loan and investment brokerage system according to the second embodiment of the present invention is a form in which a loan / investment brokerage server (LIIS) included in the first financial sector leads the individual investors 200a to 200n. The loan / investment intermediation server (LIIS) is included in the second or third financial sector so that the second or third financial sector can lead the private investor (200a ~ 200n) to play the role of investment fund. A loan / investment brokerage server (LIIS) may be separately configured to play an investment fund role for the individual investors 200a to 200n, and the data processing at this time is the same as in this embodiment.

In addition, in the risk adaptive loan and investment brokerage system according to the second embodiment of the present invention, a plurality of lenders 100a to 100n through the loan / investment brokerage server (LIIS) have their own loan request conditions. Can be registered in advance for browsing. In this case, it can be regarded as a reverse auction loan for a plurality of investors 200a to 200n. According to the present invention, a financial company or an individual investor 200a to 200n can freely participate in the reverse auction loan.

Therefore, a number of financial companies or individual investors 200a to 200n access the loan / investment intermediation server LIIS through the servers 2BS and 3BS and the terminals B1 to Bn, thereby providing a plurality of lenders 100a to 100n. The pre-registered loan desired condition can be searched, and a specific loaner (100a to 100n) can be selected and loan can be invested.

8 is a block diagram showing the configuration of the online loan / investment brokerage server according to a second embodiment of the present invention.

Referring to this, the loan / investment brokerage server (LIIS) is a communication module, lender information management unit, risk rate calculation unit, loan interest rate settlement unit, investment security setting unit, loan auction management unit, investor information management unit, loan interest rate adjustment unit, mid-market rights management unit It consists of lender information DB, risk rate information DB, loan interest rate information DB, loan / investment matching information DB, interest rate fluctuation information DB, midway sales information DB, and the control unit.

More specifically, reference numeral 40 receives loan request information and personal information from lender terminals A1 to An, and access for viewing loan information from personal investor terminals B1 to Bn and a financial insurance company server FICS is possible. A communication module for performing a communication connection is shown.

In addition, reference numeral 42 denotes a lender information management unit for managing the lender information in association with a credit inquiry and a certificate server (not shown), and reference numeral 44 denotes a risk rate calculation unit that calculates a risk ratio according to each lender's credit rating. Reference numeral 46 denotes a loan interest rate settlement unit that manages predetermined loan interest rate, risk rate, and yield rate for each lender.

In addition, reference numeral 48 denotes an investment security setting unit which manages to set the investment amount as collateral when a loan is to be obtained for a loan investment for a specific lender. Reference numeral 50 denotes an auction method for generating a loan to a specific lender. A loan auction management unit is managed, and reference numeral 52 denotes an investor information management unit that manages investor information.

Reference numeral 54 denotes a loan interest rate adjustment unit for adjusting the loan interest rate according to the change in the creditor's credit rating, and reference numeral 56 denotes that a specific individual investor (200a to 200n) can sell the loan investment right invested before the loan term expires. It represents the sales right management part during management.

Reference numeral 58a denotes a lender information DB for storing loan information and loan information, reference numeral 58b denotes a risk ratio information DB for storing risk ratio information for each lender, and reference numeral 58c denotes a risk for a specific lender. Represents a loan interest rate information DB that stores loan interest rate information to which a rate is applied.

In addition, reference numeral 58d represents a loan / investment matching information DB that stores path information so that lenders and individual investors can be linked to each other, and reference numeral 58e stores changes in loan interest rates that vary according to the change in the creditworthiness of the borrower by date. The interest rate fluctuation information DB is shown, and reference numeral 58f denotes a mid-sales information DB for storing sales information of the investment right before the expiration of the loan period of the investor.

On the other hand, reference numeral 60 analyzes the borrowing desire information of the lender, calculates the possible loan amount, calculates the risk rate, calculates and registers the loan interest rate information to which the risk rate is applied, and allows individual investors to make loan investment. The control unit executes loan auctions to a large number of individual investors and controls distribution to each individual investor who participated in the loan when the loan interest is deposited.

In addition, when the individual investor 200a to 200n is loaned from another financial company for loan investment, the control unit 60 may secure the investment amount of the individual investor 200a to 200n according to the request of the financial institution. Before the expiration of the expiration date, the controller 60 may manage the transfer / acquisition of the investment right by registering the investment right sale information due to the transfer of investment rights of the individual investors 200a to 200n.

9A to 9E are diagrams illustrating a data processing process of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the second embodiment of the present invention uses the loan / investment brokerage server (LIIS) to provide loan information of the lenders 100a to 100n as shown in FIG. 9A. You can register it together.

In other words, the loan information of the lenders 100a to 100n is not provided to be able to read all of the detailed personal information of the lender. The loan information of the lender 100a to 100n is appropriately provided with asset information, occupation, and financial transaction information related to the lender's credit. It is registered as a file 30 for each lender 100a to 100n.

Individual investors 200a to 200n can view a plurality of lender information registered in the loan / investment brokerage server LIIS through the investor terminals B1 to Bn, and select a specific lender 100 to perform loan investment. Apply. In this case, the loan / investment intermediation server (LIIS) may set a risk limit for the lender 200 to the individual investor 200. That is, when the loan is not recovered from the lender 100, the individual investor 200 sets the amount to be paid to the individual investor 200 in advance.

If the individual investor 200 agrees to the risk limit set by the loan / investment intermediation server (LIIS), the loan investment of the individual investor 200 is made.

In addition, through the risk-adaptive loan and investment brokerage system according to the present invention, the individual investor 200 may construct a portfolio of loan investments for the plurality of lenders 100 as shown in FIG. 9B.

That is, the individual investor 200 risks the loan investment for a plurality of different lenders 100 while applying for a loan investment according to the information of the plurality of borrowers previously registered in the loan / investment intermediation server (LIIS). Can be reduced.

Since the portfolio information of the individual investor 200 is composed of the DB of the loan / investment intermediation server (LIIS) for each individual investor, which individual investor 200 has made a loan investment to which lender 100 It is stored in the form of files (30a, 30n) in the DB of the loan / investment brokerage server (LIIS) so that the 200 can confirm.

On the other hand, through the risk-adaptive loan and investment brokerage system according to the present invention, the individual investor 200 may receive a loan from the financial company as shown in Figure 9d for the loan investment for the lender 100.

When the individual investor 200 selects a loan investment to a specific lender 100 by reading the information of the lender 100 registered in the loan / investment intermediation server (LIIS), the individual investor 200 secures the investment amount. As a financial company 300 may apply for a loan.

When applying for the loan of the individual investor 200, the financial company 300 reads the loan information of the lender 100, which is the target of the investment amount, through the loan / investment intermediation server (LIIS), and determines that the risk as a collateral is small, If the return rate is higher than the risk rate, a loan is made to the individual investor 200, and a security is set for the investment amount.

In addition, through the risk-adaptive loan and investment brokerage system according to the present invention, the individual investor 200 may transfer the loan investment right (= middle investment right) to another middle investor 210 as shown in FIG. 9E. have.

In this case, by first making a loan investment on a specific lender 100, the individual investor 200 who secured the loan investment right may apply for the transfer to the loan / investment intermediation server (LIIS) before the loan expiration date arrives. . The loan investment right transfer information is registered due to the loan application right transfer application.

Then, the middle investor 210 can apply for the purchase of a specific investment right to the loan / investment brokerage server (LIIS) by reading the transfer application information of the loan investment right, the loan / investment brokerage server (LIIS) ) If the transfer / acquisition conditions of the loan investment right match, the money received from the middle investor 210 is provided to the individual investor 200, and the loan investor right of the individual investor 200 is transferred to the middle investor ( To 210).

The function and operation of the risk adaptive loan and investment brokerage system according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

10A, 10B, and 10C are flowcharts showing signal flows of a risk adaptive loan and investment brokerage system according to a second embodiment of the present invention.

First, if the individual investor 200, the lender 100 registered in the loan / investment brokerage server (LIIS) reads the loan information (step 10: ST-10) and wishes to invest in a specific lender 100. (Step 11: ST-11), the loan / investment intermediation server (LIIS) determines whether the investor 200 constitutes a portfolio (Step 12: ST-12). If the individual investor 200 wishes to construct a portfolio, another lender 100 is additionally selected (step 13: ST-13).

When the lender selection of the individual investor 200 is completed, the loan / investment intermediation server (LIIS) determines whether the individual investor 200 will subscribe to financial insurance to reduce the investment risk (step 14). : ST-14).

If the individual investor 200 has financial insurance to reduce the investment risk, the loan / investment brokerage server (LIIS) reflects whether or not insurance for the loan is reflected in the interest rate or the risk limit. (Step 15: ST-15).

The loan / investment intermediation server LIIS determines a final interest rate (= rate of return) on the loan investment of the individual investor 200 (step 16: ST-16). When the final rate of return is determined, if the individual investor 200 transfers the investment to the loan / investment intermediation server (LIIS) (step 17: ST-17), the loan / investment intermediation server (LIIS) sends the corresponding investment information. Register (step 18: ST-18).

On the other hand, the loan / investment intermediation server (LIIS) determines whether the loan interest is deposited from the lender 100 (step 19: ST-19), if the loan interest is not deposited by calculating the risk ratio (Step 20: ST-20) The interest rate (= return) is settled (Step 21: ST-21).

If the loan interest is deposited, the loan / investment brokerage server (LIIS) provides each investor with a predetermined interest rate (= profit) (step 22: ST-22).

FIG. 10B illustrates a process in which the individual investor 200 receives an investment collateral loan for a loan investment from the financial company 300. First, the individual investor 200 is registered with the lender / investment brokerage server (LIIS). When the loan information is read (step 30: ST-30) and the investment for a specific lender 100 is desired and the financial institution 300 requests an investment collateral loan (step 31: ST-31), the financial company ( 300) confirms the collateral. That is, the financial company 300 reads the loan information of the lender 100 that the individual investor 200 intends to invest (step 32: ST-32).

When the mortgage confirmation is completed, the financial company 300 makes a loan based on the investment amount of the private investor 200 (step 33: ST-33), and the private investor 200 selects the lender 100. By registering the loan investment information to the loan / investment brokerage server (LIIS) (step 34: ST-34).

In addition, the individual investor 200 transfers the loan provided from the financial company 300 to the loan / investment intermediation server (LIIS) to reinvest (step 35: ST-35). When reinvestment is made, the financial institution 300 notifies the loan / investment intermediation server (LIIS) to set a security for the corresponding investment amount (step 36: ST-36).

At this time, the security setting for the investment amount means that the transfer / transfer of the loan investment right shall be made freely, but the cash transfer and withdrawal of the investment amount shall be impossible.

Meanwhile, in the risk adaptive loan and investment brokerage system according to the second embodiment of the present invention, an intermediary financial company provided that the individual investors 200a to 200n have more risk burdens on the lender 100 than those disclosed. The side may be guaranteed more revenue.

That is, more interest income (adjusted by 10%) under the condition that private investors 200a-200n bear a greater risk (eg, 30%) than the disclosure risk (eg, 20%) for the lender 100. Can argue. In this case, based on the information analysis of the individual investor (200a ~ 200n) for the lender 100 can generate more profits while having a risk burden. For example, in the case where the lender 100 is a relative, and the lender 100 has a certain amount of undisclosed profit, the lender 100 may make the above aggressive investment while the information is secured by the individual investors 200a to 200n. The loan / intermediation server (LIIS) is performed between the financial company and the individual investor 200 to perform brokerage processing such as loan interest deposit and distribution and risk management.

In addition, the present invention is the process of pre-registration and reservation of the loan conditions desired by the lender, the process of searching whether there is an investor who matched or similar to the loan conditions of the lender, and matching the loan conditions of the lender Or similar condition information may be further transmitted to investors and lenders.

10C is a flowchart illustrating a process in which an individual investor transfers the loan investment right before the loan maturity date arrives. First, the individual investor 200 views the borrower information registered in the loan / investment intermediation server (LIIS) and selects a specific borrower. In the state of investing in (step 40: ST-40), the loan / investment intermediation server (LIIS) determines whether the individual investor 200 wishes to sell the loan investment right before the loan expiration date arrives. (Step 41: ST-41).

If the specific individual investor 200 wishes to sell the loan investment right before the loan maturity date arrives, the individual investor 200 registers the selling information to the loan / investment intermediation server (LIIS) (step 42). : ST-42). The registered selling information is viewed by another investor (= middle investor) (step 43: ST-43) and decides to purchase a specific investment right (step 44: ST-44).

If the middle investor 210 decides to purchase a specific investment right, and the middle investor 210 transfers the purchase amount to the loan / investment intermediation server (LIIS) (step 45: ST-45), the investment right Name is transferred from the individual investor 200 to the middle investor 210 (step 46: ST-46).

In addition, when the individual investors 200a to 200n receive loans from various financial institutions to secure funds for generating loan investments, the loans are collateralized in the investment amount according to the second embodiment of the present invention. Increase is possible enough.

For example, when an individual investor 200a-200n receives a credit loan to make a loan investment using a credit card, the cash limit of the individual investor 200a-200n is 5 million won, and the installment limit is 5 million won. In this case, the credit card company may increase the cash loan limit to the individual investor (200a to 200n) to the total loan limit of 10 million won, and if the investment amount is secured, more loan limit may be increased.

Hereinafter, a third embodiment of the present invention will be described in detail with reference to the drawings.

11 is a schematic diagram showing the configuration of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the third embodiment of the present invention registers personal information and financial transaction information on a specific loan-seeker (hereinafter referred to as lender) 100a to 100n, and The private loans 200a to 200n can be executed by the private investors 200a to 200n, and the indirect investors 400a to 400n can be intermediated to the individual investors 200a to 200b.

That is, the risk adaptive loan and investment brokerage system registers the information of the lenders 100a to 100n and the information of the individual investors 200a to 200n therein, and the indirect investor uses the investor terminals C1 to Cn. A loan / investment intermediation server (LIIS) is provided to enable access and to view loan and investment information to perform intermediation on loans, investments, and indirect investments.

In addition, the risk-adaptive loan and investment brokerage system is provided with a lender terminal (A1 ~ An) for registering the loan desired information and personal information in the loan / investment brokerage server (LIIS), the borrower information to query the loan Investor terminals B1 to Bn for making an application are configured, and indirect investor terminals C1 to view information of the individual investors 200a to 200n and make indirect investments to the individual investors 200a to 200n. Cn) is configured.

At this time, the individual investors 200a to 200n, like the loan / investment intermediation server (LIIS), read the information on the borrower, and register the possible loan conditions for the lenders 100a to 100n. The investment intermediation server (LIIS) browses the information of the plurality of individual investors (200a to 200n) registered the loan conditions for the lender (100a to 100n) and automatically selects an investor for it.

This series of loans, investments, and indirect investments is brokered in the loan / investment brokerage server (LIIS), and when the loan / investment brokerage server (LIIS) is included in a specific financial company, individual investors can A loan is made and a risk is taken for the loan, but from the lender's point of view, it has the same effect as a loan from a first financial company. That is, the loan / investment intermediation server (LIIS) passes only the information of the lender to the individual investor through the loan / investment intermediation server (LIIS) configured therein and passes the information of the individual investor to the indirect investor. The loan brokerage process is not terminated, but overall management and cost settlement, loan interest collection and distribution payment for the entire loan are performed. Of course, a certain fee for this will be provided by the lender and the financial company.

In addition, the loan / investment brokerage server (LIIS) first examines whether the loan is available for the borrower, and the average value of the loan interest rate is calculated by the loan / investment brokerage server (LIIS), and the loan interest is collected and paid to each financial company. Interest distribution, payment, etc. for the loan / investment brokerage server (LIIS) will be led by the initiative. In addition, the individual investor information is registered on the server so that a plurality of indirect investors 400a to 400n can read the information of the individual investors 200a to 200n, which are direct investors, and select specific persons to perform indirect investment.

In this case, the lender 100 can receive a loan very easily only through the first financial institution provided with the loan / investment intermediation server (LIIS), and the loan processing can be completed quickly because the processing is made in real time. . Each individual investor can diversify loan risks with indirect investors, resulting in relatively low loan risks and high return on investment. Indirect investors can safely invest in high returns by referring to the cumulative returns of individual investors.

As a result, in the risk adaptive loan and investment brokerage system according to the third embodiment of the present invention, a plurality of individual investors 200a to 200n invest in the lenders 100a to 100n, and a plurality of indirect investors This is a method in which 400a to 400n invest in a large number of individual investors 200a to 200n.

Similarly, the individual investors 200a to 200n may obtain loans from the financial institutions as collateral for loans to specific lenders 100a to 100n using the risk adaptive loan and investment brokerage system, and the indirect investors 400a. In the case of ˜400n), an investment from a financial institution may be secured as a collateral for investment in private investors 200a to 200n.

In this case, the financial institution may take more fees than the fee for direct loans to the lenders (100a to 100n), and the loan risk may be distributed to individual investors (200a to 200n) or indirect investors (400a to 400n). Since individual investors (200a to 200n) can invest in high-yield financial products, and indirect investors (400a to 400n) can select and invest individual investors (200a to 200n) with excellent returns. The probability of risk occurrence can be significantly reduced compared to direct investment.

In particular, since the individual investors 200a to 200n and the indirect investors 400a to 400n can secure loans from financial institutions with the investment amount, they can invest even in a situation where an investment amount (also known as seed money) is not secured.

12 is a diagram illustrating a data processing state of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the third embodiment of the present invention uses the loan / investment brokerage server (LIIS) to obtain loan information of the lenders 100a to 100n for each lender 100a to 100n. Register as a separate file.

Individual investors 200a to 200n can view a plurality of lender information registered in the loan / investment brokerage server LIIS through the investor terminals B1 to Bn, and select a specific lender 100 to perform loan investment. Apply. In this case, the loan / investment intermediation server (LIIS) may set a risk limit for the lender 200 to the individual investor 200.

If the individual investor 200 agrees to the risk limit set by the loan / investment intermediation server (LIIS), the loan investment of the individual investor 200 is made. In addition, collateral for the investment amount of the individual investor 200 may be set.

In addition, through the risk-adaptive loan and investment brokerage system according to the present invention, the indirect investment in the individual investor 200 of the indirect investor 400 may be made. May register its cumulative return information on the loan / investment brokerage server (LIIS), and the indirect investor 400 may invest in a specific individual investor 200 based on the corresponding cumulative return information.

In addition, the investment information of the indirect investor 400 is registered in the loan / investment intermediation server (LIIS), and when the loan interest is deposited from the lender 100, the loan / investment intermediation server (LIIS) is pre-assigned. Depending on the rate of distribution, interest on the loan can be distributed and transferred.

FIG. 13 illustrates a loan / investment DB of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention. FIG.

Referring to FIG. 12, loan investment information for which a loan investment is made for a single lender 100 as shown in FIG. 12 is stored in the loan / investment intermediation server LIIS as shown in FIG. 13. The table memory 50 is constructed in the form of lender information 50a, loan information 50b, investor information and investment information 50c, loan interest rate information 50d, and investment interest rate information (= direct investment). Yield: 50e), deposit security setting information (50f), indirect investor information (50g), and indirect investment interest rate information (= indirect investment yield: 50h).

For example, if a loaner ○○○ borrows a loan of 5 million won, the investment amount information (5 million won) of the investor (△△△) is posted, and the loan interest rate information (for example, 20%) to be paid by the borrower and Investors' interest rate information (18%) is posted. In addition, whether or not the deposit collateral is set is registered, and whether or not the indirect investor (▽▽▽) invests and its investment rate (indirect investor's return) are posted at 10%.

Therefore, based on this information, a personal investor who is a direct investor may receive 5 million won from an indirect investor and generate 8% profit.In the case of a financial company, a 2% commission is secured by receiving investment from a direct investor. Indirect investors will make a 10% return. In this case, lower interest rates apply to lenders with credit ratings sufficient for regular credit. However, the final rate of return for indirect investors should be higher than market interest rates, and the fees of financial firms do not have to be higher than commercial lending fees because there is no risk or a very small risk from loan accidents.

At this time, the amount invested by the indirect investor 400 to the individual investor 200 that is a direct investor is automatically secured in the loan / investment intermediary server (LIIS).

The function and operation of the risk adaptive loan and investment brokerage system according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

14 is a flowchart illustrating a signal flow of a risk adaptive loan and investment brokerage system according to a third embodiment of the present invention.

First, the private investor 200 reads loan information of the lender 100 registered in the loan / investment intermediation server (LIIS) (step 50: ST-50), and selects a specific lender 100. (Step 51: ST-51). In this case, the individual investor 200 may register a deposit security loan with the loan / investment intermediation server (LIIS), wherein the deposit security loan is a security setting for the corresponding investment from the indirect investor 400. To be provided (Step 52: ST-52).

Accordingly, the indirect investor 400 searches the investment information of the individual investor 200 registered in the loan / investment brokerage server LIIS and the return information of the individual investor 200 (step 53: ST-53). If a specific investor 200 is selected (step 54: ST-54), and indirect investment is generated (step 55: ST-55), the individual investor 200 directly generates an investment based on the investment amount. (Step 56: ST-56).

At the same time, the loan / investment intermediation server (LIIS) performs collateral setting for the investment of the individual investor 200 (step 57: ST-57).

The loan / investment brokerage server LIIS determines whether the loan interest amount has been deposited from the lender 100 (step 58: ST-58), and if the interest amount is deposited, the interest rate is pre-assigned the interest rate. According to the distribution settlement (step 59: ST-59), the payment is made (step 60: ST-60).

Hereinafter, a fourth embodiment of the present invention will be described in detail with reference to the drawings.

15 is a schematic diagram schematically showing the configuration of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention.

Referring to this, the risk-adaptive loan and investment brokerage system according to the fourth embodiment of the present invention provides for purchasing or introducing a product of a pre-registered e-commerce company on the condition of the lending rate reduction for lenders 100a to 100n. Recommended.

That is, a plurality of electronic commerce companies EMS1 to EMSS are registered in advance in the loan / investment intermediation server LIIS, and the product information is classified and registered for each company. As a result, the lenders 100a to 100n view the various product information through the lender terminals A1 to An and decide the purchase thereof.

The loan / investment intermediation server (LIIS) checks whether the lenders 100a to 100n purchase the registered goods and whether or not to introduce the purchase, and executes additional interest rate reduction on the loan. In this case, the reduction of the lending rate executed by the loan / investment intermediation server (LIIS) for the purchase and introduction of the goods by the lenders 100a to 100b is lower than the fee provided from the e-commerce company.

In addition, the loan / investment intermediation server (LIIS), if the lender (100a to 100n) purchases or introduces the goods of a registered company, the loan lender (100a to 100n) can be further deferred for a certain period of time. have. In this case, the lenders 100a to 100n may actively purchase or introduce products of the registered companies in order to defer the loan repayment date, thereby enabling the electronic commerce.

At this time, each of the lenders 100a to 100n are given a product sales code GSC in order to introduce the goods of the registered company to others. For example, a third party who wishes to purchase a product by introducing a product must enter the code (GSC) of the lenders 100a to 100n who introduced the product and purchase the goods to reduce the loan rate of the lenders 100a to 100n or repay the loan. Deferral is possible.

16 is a diagram illustrating a data processing state of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention.

Referring to this, a plurality of e-commerce companies 600 provides a fee for purchasing and introducing goods to the loan / investment brokerage server (LIIS) for the activation of electronic commerce, the e-commerce company 600 The information on the goods available for sale to the loan / investment intermediation server (LIIS) and fee rates for each item may be set.

The loan / investment intermediation server (LIIS) may reduce the loan interest rate by confirming whether the borrower 100 purchases the goods and introduces the purchase. In this case, the loan interest rate is reduced only by the lender 100, but in the case of the individual investor 200 and the indirect investor 400 who did not receive the loan, the investment rate instead of lowering the loan rate according to the purchase and introduction of a specific product Up.

The function and operation of the risk adaptive loan and investment brokerage system according to the fourth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

17 is a flowchart illustrating a signal flow of a risk adaptive loan and investment brokerage system according to a fourth embodiment of the present invention.

First, the e-commerce company 600 registers fee information for each product in the loan / investment brokerage server LIIS through the e-commerce servers EMS1 to EMSS, and based on the fee information, the loan / investment brokerage. The server LIIS registers interest rate reduction information according to the purchase or introduction of the product (step 70: ST-70).

Therefore, the lender 100 can read the interest rate reduction information registered in the loan / investment intermediation server (LIIS) and proceed with the purchase activity and the purchase introduction activity (step 71: ST-71).

In addition, the loan / investment intermediation server (LIIS) determines whether the borrower 100 purchases the goods (step 72: ST-72), and determines whether to introduce the purchase (step 73: ST-73).

If the lender 100 purchases or introduces a particular item, the loan / investment intermediation server LIIS lowers the loan rate of the borrower by a certain rate and registers the adjusted interest rate information. In the case of purchase introduction, the purchaser inputs a unique code assigned to each lender (100a to 100n) so that the loan / investment intermediation server (LIIS) can identify which lender (100a to 100n) (step 74: ST-74).

The above-described scheme is not only applied to the lender 100, but also applies to the individual investor 200 and the indirect investor 400 as well.

In addition, the risk-adaptive loan and investment brokerage system and the method according to the embodiment of the present invention are not limited to investment in the lender, but may be applied to trusts and bond products such as various bonds and real estate trusts.

More specifically, the application examples of bond products will be described in detail. First, in order to invest in corporate bonds of a specific company, if the private investor 200 and the indirect investor 400 participated in the financial company, the individual investor 200 who did not invest the investment regardless of the loan interest, and the indirect investor who invested the investment ( 400) and financial companies will have a separate loss risk. That is, if 10% of the total corporate bond investment occurred, the private investor 200 had no cash investment, so when the total loss amount was 100%, the risk of 60% was lost and the remaining 40% The indirect investor 400 and the financial company that invested real cash divide the loss risk.

In this case, it is preferable that the specific loss burden percentage be in accordance with the agreement between investors participating in loan or corporate bond investment.

Even in the case of a real estate investment trust, there is still an unreasonable point that a financial company that issues a real estate investment trust develops various real estate investments and attempts to make a profit, while transferring the losses due to the attempt to the investor's share. And mediate between the individual investor 200 and the indirect investor 400 so that the risk distribution for the amount of losses can be appropriately made between the participating financial companies, the individual investor 200 and the indirect investor 400 as in the case of corporate bonds.

In this case, the online loan / investment brokerage server (LIIS) plays a role in securing and managing funds and distributing profits, so that financial companies can more actively sell investment in development of real estate. If the online loan / investment brokerage server (LIIS) is included in a specific financial company, the financial company can be guaranteed more profits by distributing risks with the individual investor 200 or the indirect investor 400. .

In the case of corporate bonds, the corporate bond generating company may provide free points, etc., to provide purchase merits in order to preserve the total loss in the event of a corporate bond accident. In other words, if a corporate bond financial accident occurred, the total loss amount was 10% of the investment amount, and a certain percentage of 5% could be provided as a purchase point. In this case, the purchase point refers to a point provided to purchase the company's goods at a free or discounted price.

Meanwhile, the risk adaptive loan and investment brokerage system and the method according to the embodiment of the present invention are not limited to the above embodiments, but various modifications can be made without departing from the technical gist of the present invention.

As described above, the risk-adaptive loan and investment brokerage system and method according to the present invention distribute the risks of loans to individual or lower financial companies, thereby greatly reducing the risk and lowering the bad debt rate. Participate in high-yielding financial investments, lenders can borrow very conveniently, and activate their financial insurance subscriptions. In addition, sales of linked e-commerce can be improved, collective responses to bad debts can be made, and separate agreements for each rate of return and risk range by loan interest and amount can be made in advance. Likewise, there is an effect that there can be no priority application in time order.

Claims (30)

A lender terminal equipped with a web browser, a key input means, and a communication means therein for registering a lender's personal information and loan desire information with a lender who wishes to receive a loan investment regardless of the type of financial company; A financial company server for retrieving loan desired information from second and third financial companies and various financial companies including trusts and safes to generate loans to the lenders; Analyzing loan information and loan hope information transmitted from the lender terminal to calculate loan amount, perform partial or total loan on it, and register information about remaining loan amount to execute loan participation of other financial companies in reverse auction method. Risk adaptive loan and investment brokerage system, characterized in that consisting of a loan / investment brokerage server. The risk-adaptive method of claim 1, wherein the selection of the financial company for the residual money in the loan / investment brokerage server is automatically performed according to the financial company's loan available period, loanable amount, and loan interest rate. Loan and Investment Brokerage System. According to claim 1, wherein the loan / investment intermediation server receives the loan request information and personal information from the lender terminal, and a communication module for making a communication connection to enable access for viewing loan information from the financial institution server; A lender information manager for managing the lender information in association with the credit inquiry and the authentication server; A financial company information management unit for managing information of the financial company; A loan rate settlement unit that manages the loan rate set by the financial institution for each lender; A loan reverse auction management unit that manages reverse auction information for generating a loan to a specific lender in a reverse auction method; A data conversion unit for converting data suitable for wired / wireless terminals and servers; A loan rate adjusting unit for adjusting the loan rate according to the change in the credit rating of the borrower; A lender information DB for storing loan information and loan information; A financial company information DB that stores the financial company that generated the loan in association with the borrower information; A loan rate settlement algorithm for calculating and distributing a set loan rate of each financial company that generated a loan to a specific lender; A loan / investment matching information DB for storing route information so that lenders and financial company information may be linked to each other; Interest rate fluctuation information DB for storing the change in the loan rate according to the change in the degree of credit of the borrower by date; Analyze the loan desire information of the lender, calculate the possible loan amount, execute reverse reverse auctions to a number of financial companies so that the balance can be loaned through various financial companies, and average the loan interests suggested by the financial companies participating in the loan. Risk-adjusted loan and investment brokerage system, characterized in that consisting of a control unit for controlling the distribution payment to the financial company when the loan interest is deposited. According to claim 3, The lender information file stored in the lender information DB, including the job of the lender, the risk ratio according to the credit rating, the total loan desired amount, information loaned in advance from other financial institutions and the loan interest rate information, remaining loans A risk adaptive lending and investment brokerage system comprising information on. Registering a loan request information by a borrower wishing to borrow; Calculating, by the loan / investment brokerage server, the loan availability by analyzing information of the borrower; If only a part of the loan for the total loan amount required by the borrower is available, registering the loan information on the balance in the DB; Another financial company viewing the remaining loan information and the borrower information; Registering the loan limit and loan condition information by another financial company; Selecting a specific financial company through loan information of other registered financial companies; Calculating a loan loan rate to be paid by the lender through loan rates of various financial companies participating in the loan; Determining whether the lender wishes to obtain a loan on the condition; Risk-adjusted loan and investment brokerage method comprising the process of generating a loan. A lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information; A personal investor terminal having a web browser, a key input means, and a communication means for outputting information therein for making a loan investment to the lender; A financial insurer server provided in a financial insurer that guarantees payment of an investment within a certain limit in order to reduce the risk for the loan investment of the individual investor, and calculates an insurance amount according to the risk ratio of the lender; Analyzes the borrower information and the loan hope information transmitted from the lender terminal to calculate the amount of loans available, perform partial or total loans on it, and register information on the remaining loan amount so that a plurality of individual investors participate in the loan in a reverse auction manner. Risk-adaptive loan and investment brokerage method characterized in that consisting of a loan / investment brokerage server to execute. 7. The risk-adaptive loan and investment brokerage method according to claim 6, wherein the loan / investment brokerage server presets a risk limit of the loan investment for the lender for each individual investor participating in the investment. The method of claim 6, wherein the loan / investment brokerage server manages portfolio information of individual investor's loan investment by DB for each individual investor. Registering the lender's information by the online lending / investment brokerage server; Viewing the loan information by the individual investor; Selecting a specific lender by the individual investor; Transferring the investment; Risk adaptive loan and investment brokering method characterized in that the investment information is registered by the individual investors. 10. The method of claim 9, further comprising: determining whether a loan interest is deposited from a lender; Risk-adjusted lending and investment brokerage method further comprising the step of paying the loan interest in accordance with the commitment distribution rate of individual investors participating in the loan investment of each lender. 10. The risk adaptive loan and investment brokerage method of claim 9, wherein the individual investor can receive a loan from a financial company with a loan investment amount for a specific lender. 10. The method of claim 9, wherein the individual investor can purchase financial insurance for the investment in order to reduce the loan investment risk for the particular lender. 10. The method of claim 9, further comprising: registering information by the individual investor to transfer the loan investment right before expiration of the loan period for the lender; The process of retrieving the information by the middle investor; Among them, the investor registers the application information for purchase of the specific loan investment right; A risk adaptive loan and investment brokering method comprising the process of transferring the loan investment right. 10. The risk adaptive loan and investment brokering method of claim 9, wherein the payable investment rate registered in advance for each lender in the online loan / investment brokerage server is changed according to whether or not the financial insurance is subscribed. A lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information; A personal investor terminal equipped with a web browser, a key input means, and a communication means for outputting information therein so as to make a loan investment to the lender and register return information in order to receive an indirect investment for the investment; An indirect investigator terminal equipped with a web browser, a key input means, and a communication means for outputting information registered through the individual investor terminal in order to make an indirect investment to the individual investor; Analyzes the borrower information and the loan hope information transmitted from the lender terminal to calculate the amount of loans available, perform partial or total loans on it, and register information on the remaining loan amount so that a plurality of individual investors participate in the loan in a reverse auction manner. A risk-adaptive loan and investment brokerage system comprising a loan / investment brokerage server that executes and sets an investment amount of an individual investor as collateral when an indirect investor invests in the individual investor. The information registered in the loan / investment brokerage server is based on the borrower, the borrower information, the loan information, the investor information, the loan interest rate, the investment interest rate, the deposit collateral setting, the indirect investor information, and the indirect investment interest information. Risk-adjusted loan and investment brokerage system, characterized in that included. Lender registering the loan information; Determining a loan investment by the individual investor by selecting a specific borrower according to the loan information of the borrower; Registering the indirect investment desired information by the individual investor; Indirect investor viewing the indirect investment desired information of the individual investor to select a specific individual investor; Indirect investment of indirect investors; Risk-adaptive loan and investment brokerage method, characterized in that the direct investment of the individual investor occurs. 18. The risk adaptive loan and investment brokering method according to claim 17, wherein the profit sharing ratio of the individual investor and the indirect investor is predetermined before the investment. 18. The risk adaptive loan and investment brokering method of claim 17, further comprising a process of setting collaterally the amount of the indirect investor's investment in the individual investor's loan investment at the time when the loan investment is made to the lender. A lender terminal equipped with a web browser, a key input means, and a communication means therein for a lender who wishes to receive a loan investment, regardless of a financial company and an individual, to register the borrower's personal information and loan desired information; An electronic commerce server equipped with electronic payment means for registering various product information so that the lender can purchase or introduce a purchase and purchase the product in real time; Analyzes loan information and loan request information transmitted from the lender terminal, calculates the amount of loans available, makes loans for it, and further reduces loan interest rates for product purchases and introductions registered on the lender's e-commerce server. A risk adaptive loan and investment brokerage system comprising a loan / investment brokerage server for processing. Registering goods information by an e-commerce company linked in advance; The lender purchasing or introducing the goods; Risk-adjusted loan and investment brokerage method characterized by updating the borrower's purchase of goods and introduction to the loan interest. 22. A risk adaptive loan and investment brokerage method according to claim 21, wherein the loan interest that can be lowered by the borrower's purchase and introduction of the purchase is less than the fee provided by the e-commerce company. The risk-adaptive loan according to claim 5, wherein the loan / investment intermediation server is included in the second financial institution or the third financial institution, or is configured alone to recruit investors to financial companies and individuals. And investment brokerage methods. 10. The process according to any one of claims 5 and 9, wherein the lender is required to register and reserve a desired loan condition in advance; Searching whether there is an investor who has matched or similar to the loan condition of the lender; Risk-adjusted loan and investment brokerage method, characterized in that it further comprises the step of transmitting to the investor and the lender condition information matching or similar to the lender conditions of the lender. 10. The method of claim 9, wherein the investor is able to scale up yields on a greater risk of loss. 18. The risk adaptive loan and investment brokerage method according to any one of claims 9 to 17, wherein the loan limit can be further increased in credit card loans for loan investment of the individual investor and the indirect investor. 18. The risk adaptation according to any one of claims 9 to 17, wherein when the individual investor, indirect investor, or financial company participates in corporate bond investment, the third party can make the third party bear the risk for the loss at different rates. Loans and investment brokerage. 18. The method according to any one of claims 9 to 17, wherein when the private investor, indirect investor, or financial company participates in corporate bond investment, the corporate bond issuing company shall pay a purchase point having a discount or free purchasing power when purchasing the company's products. Risk-adjusted loan and investment brokerage method, characterized in that it can be provided as a reward. 22. The risk-adaptive loan and investment according to claim 21, wherein the lender, the individual investor, or the indirect investor is previously given a unique code for confirming the purchase of the product and the information of the purchase referrer, thereby providing a reward. Mediation method. 22. A risk adaptive loan and investment brokerage method according to claim 21, wherein the loan repayment date is deferred for the borrower's purchase and introduction of the product.