KR20160086315A - Method for crowd funding brokerage using loans - Google Patents

Abstract

The present invention provides a crowd funding mediation method using loans. According to an embodiment of the present invention, the crowd funding mediation method using loans includes: a step in which a server receives funding request information from a first client device being a fund consumer to transmit the funding request information to a credit banking server; a step in which the credit banking server generates evaluation information corresponding to collateral information included in the funding request information and generates loan information based on the evaluation information to transmit the loan information to the server; a step in which the server generates funding information based on the loan information; a step in which a second client being an investor checks the funding information to transmit investment request information including desired investment amount and desired interest information to the server; a step in which the predetermined investment request information of a predetermined party that is received from multiple parties is matched to the funding information based on matching conditions; and a step in which the desired interest information from multiple parties included in the predetermined and matched investment request information from multiple parties is used to determine interest information corresponding to the loan information.

Description

[0001] METHOD FOR CROWD FUNDING BROKERAGE USING LOANS [0002]

The present invention relates to a crowdfunding brokerage method using a loan bond, and more particularly, to a method for brokering crowdfunding on a loan collateral on-line to improve the fluidity of funds.

Recently, crowd funding, which is an investment method to collect funds from a large number of investors using media such as social media and internet, is spreading. Earlier, crowdfunding was a way for non-funded arts and social activists to open their own creative projects and social public projects online and receive funding from a large number of anonymous people. It is also called social funding because it promotes investment attraction by positively utilizing social network service.

Recently, such crowdfunding has been used not only as a creative project such as a movie, but also as a means for financing a corporation as well as a social public benefit project. As a result, there is a growing demand for professional and reliable crowdfunding brokerage services that depart from the financial services that have been provided by direct person-to-person transactions.

On the other hand, with the improvement plan for the mortgage lending system, it is becoming easier for self-employed and small and medium-sized enterprises to finance the loan.

Korean Patent Publication No. 10-2014-0096676 Korean Patent No. 10-2014-0092500

Among conventional crowdfunding systems, there is a loan-type crowdfunding system, but there is a problem in that legal support for crowdfunding is weak, so that the fund recovery rate is too low and the investor's financial loss is virtually defenseless.

In addition, if the funder wishes to raise funds through crowdfunding, he / she should be actively engaged in public relations activities, but there is a problem of additional expenses. In crowd funding service for intangible assets, investors invest in uncertain ideas Often there was a problem that the investment was not recovered properly.

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide a reliable crowdfunding service between a fund owner and an investor by issuing a loan with collateral as collateral, collecting investors through a crowdfunding scheme And a method of brokering crowdfunding using a loan collateral.

Another technical problem to be solved by the present invention is to provide a crowdfunding brokerage method using a loan receivable in which crowd-funding investors are selected by a competitive bidding method and can provide a variable interest rate with a low interest rate to a fund purchaser.

Another object of the present invention is to provide a method of brokering a crowd funding using a loan receivable in which the purchased loan receivable can be sold or bought again in a crowd-funded manner in the same server.

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

In order to solve the above-mentioned technical problems, a crowd funding intermediation method using a collateral includes a step in which a server receives funding request information from a first client device, which is a fund consumer, and transmits the financing request information to a credit finance server, Generating evaluation information corresponding to the collateral information included in the financing request information, generating loan information on the basis of the evaluation information, and transmitting the loan information to the server, and transmitting the fund information to the server based on the loan information A step in which a second client as an investor inquires the funding information to transmit investment request information including a desired investment amount and interest rate information to the server; a matching condition among a plurality of received investment request information Matching predetermined investment request information with the funding information on the basis of the predetermined investment request information, And determining interest rate information corresponding to the loan information using a plurality of the desired interest rate information included in the information.

The matching condition may include a first matching condition for sorting the investment request information based on the desired interest rate information, a second matching condition for sorting the investment request information based on the desired investment amount, And a third matching condition for aligning the investment request information on the basis of the first matching condition, the second matching condition, and the third matching condition.

Wherein the matched step comprises the steps of: sorting the plurality of received investment request information according to the first matching condition, determining a plurality of investment request information items based on the target amount of money included in the funding information, And matching the investment request information included in the accumulation process with the funding information when the accumulated desired investment amount reaches the target amount.

Wherein the aligning step includes arranging the first investment request information and the second investment request information according to the second matching condition when the first investment request information and the second investment request information include the same interest rate information, And aligning the first request information and the second investment request information according to the third matching condition when the information includes the same investment desired amount.

The interest rate information may be an average interest rate of a plurality of different interest rate information included in the plurality of investment request information matched with the funding information.

According to the present invention as described above, the loan contract is concluded with the collateral as collateral, the funding amount for the loan is determined, and even if the money buyer can not prepare the loan, the collateral being held can be traded and recovered The investor can make safe and reliable investment activities, and the investor can raise money by using various collateral that he owns.

Also, when investors are recruited through social funding, it is possible to assign a low interest rate to the debtor through the competitive bidding method, and automatically select the investor according to the matching condition applied to the server by the competitive bidding method.

FIG. 1 is a diagram illustrating a schematic flow of a crowdfunding brokerage method using a loan claim according to an embodiment of the present invention.
FIGS. 2 to 3 are views illustrating embodiments of providing crowdfunding services to which a competitive bidding method is applied by using a fund consumer, an investor, and a credit finance server in a crowdfunding mediation server in which the method of FIG. 1 is implemented.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

Hereinafter, a crowdfunding intermediary method using a loan claim according to embodiments of the present invention will be described with reference to the drawings.

Referring to FIG. 1, a schematic flow of a crowdfunding brokerage method using a loan claim according to an embodiment of the present invention is shown.

In the present specification, a client may be a party performing a series of processes of exchanging data with a server using a client apparatus. Also, the client device may refer to a client access terminal device for performing a function of collecting and transmitting various kinds of necessary information scattered in the server as the case may be.

For example, the client device may be a computer such as a desktop PC, a notebook PC, or any type of wired / wireless communication device capable of accessing a server through a predetermined network to use a two-way communication service. Also, the client device may be a cellular phone, a PCS phone, a synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000) mobile terminal A personal digital assistant (PDA), a smart phone, a wireless application protocol phone (WAP phone), a mobile play-station, and the like. A communication module for connecting to a server such as a personal computer, a display device, and any wired / wireless home appliance / communication device having a user interface. In the embodiments to be described later, the client and the client apparatus may be interpreted in the same sense.

The client or client device communicates with the server and can exchange predetermined data with the server. The client device may be directly connected to the server to transmit and receive data, but the present invention is not limited thereto. The client device may be connected through a predetermined intermediary server, and all data may be transmitted and received through the intermediary server.

The server may allow connection of one or more client terminal devices via the network. The network may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet, or may be a core network including a TCP / IP protocol and various services located thereon, ), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and the like.

First, the server can receive funding request information from the first client device (S11). The first client, which is the money consumer, can transmit the security application for the collateral desired by the money consumer to the server using the first client device.

In the present embodiment, the collateral refers to movable property defined by the civil law, that is, a property that is real property, such as a moving object, electricity, or other natural force that can be managed, and a property that is not a fixed property. For example, a property may be, but is not limited to, an automobile, a watch, a machine, an equipment, an artwork, an accessory, etc., and a document specifying intellectual property such as membership or patent rights, .

The fund purchaser can request the fund raising by transmitting the fund raising request information including the collateral information on the collateral to the server using the first client device.

The collateral information may include information on the type of the property, images or images of the property, the date of purchase or acquisition, the desired price, the storage period, the quality, the location of the property, the reason for the application, the plan for repayment of the funds, Information can be further transmitted to the server.

When the server receives the collateral information from the first client device, the server determines the loan amount based on the personal property included in the collateral information, and calculates a predetermined ratio of the loan amount as the funding amount (S12).

Specifically, the server can perform an emotional process for the personal property included in the collateral information, and generate the emotion result information on-line according to the information included in the collateral information. For example, if a money buyer desires a car as a collateral, the buyer of the money should include the type of the car, the image of the appearance, the car number, the owner, the accident certificate, , The server analyzes the information to generate rating information, assigns rating information, and determines the amount of the loan according to rating information given in the process of generating the rating information.

Alternatively, the financing request information received by the server may be transmitted to the credit finance server linked to the server, and the credit finance server may perform the evaluation process for the collateral. That is, the credit finance server may evaluate the collateral to generate the evaluation information, and the loan contract information may be generated by concluding a loan contract with the first client device based on the evaluation information (S12).

In some other embodiments, the valuation process for the collateral may be off-line. That is, when the money consumer transmits the collateral information about the collateral to the server, the server transmits the collateral information to the credit finance server, searches the credit finance server for the collateral expert according to the collateral type, matches the collateral information, Can visit the place of the movable property on the off-line to evaluate the collateral and generate the evaluation information.

The funding amount can be determined according to a predetermined ratio of the loan amount determined according to the emotion result information. For example, if the appraisal value, that is, the possible loan amount is set at 1 million won, the funding amount is limited to 1 million won Can be calculated. The funding amount may be calculated according to a predetermined ratio in the server, or the funding amount may be arbitrarily set from the first client device that is the fund purchaser.

Then, the server can generate and post crowdfunding information based on the loan receipt information received from the credit finance server (S13).

Specifically, the server collects various information such as a captured image of the collateral, a purchase time, a product status, and the like from the first client device or the credit finance server, which is a money purchaser, and transmits the web page Can be posted to.

Meanwhile, the second client, which is a potential investor, can search a plurality of funding information items posted on the web page using the second client device, and transmit the investment request information for the specific funding information to the server (S14).

Since the second client device lends a certain amount of money to the first client device and purchases a bond with interest and interest, that is, an interest rate, from the first client device after the contracted period, The requested investment amount, and the desired interest rate information, and transmits the generated investment request information to the server.

The desired investment amount may be set to be less than or equal to the funded amount, and in some other embodiments, the server may set a critical section of the desired interest rate information so that the investor can prevent the excessively high or low interest rate from being set.

The server may receive a plurality of investment request information from a plurality of investment applicants, that is, a plurality of second client devices, and may accumulate a plurality of investment amounts included in each of the plurality of investment request information, , The specific investment information matched with the funding information can be selected and matched according to the matching condition (S15).

The matching condition may be a criterion used for selecting an investor according to a set criterion among a plurality of investors. In the present embodiment, a matching condition is a first matching condition for sorting a plurality of investment request information according to interest information, A second matching condition for sorting the investment request information according to the amount, and a third matching condition for sorting based on the reception time of the investment request information.

Specifically, the server can sort the investment request information including the low interest rate information in order by using the first matching condition, and assign different weights to the sorted investment request information. Therefore, the server can induce a reverse auction method, that is, competitive bidding method, to the investors, thereby providing the money buyer with the variable interest rate with a low interest rate. In this way, the investment request information can be sorted according to the second matching condition in the order of the highest investment amount, or the investment request information can be sorted according to the bidding order using the third matching condition. Also, You can sort the request information.

For example, first, the investment request information including the low interest rate information may be sorted in order by using the first matching condition. If two investment request information having the same interest information are searched, The investment amount is sorted in descending order, and if the investment amount is also the same, the investment request information bidded first can be sorted in priority order.

To this end, the server can assign different weights according to each matching condition, assign different weights to the investment request information sorted according to each matching condition, and arrange the plurality of investment request information in order of the weighted value . For example, a weight 10 is assigned to the first matching condition, a weight 5 is assigned to the second matching condition, and a weighting value 1 is assigned to the third matching condition, and the plurality of pieces of investment request information are first aligned according to the first matching condition. The first sub-weights may be given again to the sorted investment request information, and the second sub-weights may be further given by rearranging the investment request information according to the second matching condition. In this manner, the investment request information is sorted, and the investment request information until the funding amount is achieved by adding up the investment amount included in the sorted investment request information can be selected as the investor and matched with the funding information.

Finally, the system generates and transmits the billing information to the matched second client device, and generates and transmits the billing information to the first client device.

That is, the server can request the investment amount included in the investment request information from the second client device, which is the investor, to the second client, and when the second client transmits the investment amount to the server, Device. Likewise, when the funding amount is achieved, the funding amount can be transmitted to the first client device, and the personal property held by the first client device can be acquired and held according to the contracted period.

On the other hand, if the first client device fails to repay the funding amount within the repayment period specified in the debt information, the notification message may be transmitted to the first client device. If the first client device exceeds the reference period, The amount of money based on the investment amount and the interest rate information can be transmitted to the second client device.

In some other embodiments, the server may cooperate with an external server to proxy external server rotor money management tasks to an external server. For example, the external server may be a specialized financial institution. When the funding information and the investment request information are matched with each other in the server and the crowdfunding contract is established, the related money transaction related details are transmitted to the external server. And the investment amount to the first client device or the second client device.

Referring to FIGS. 2 to 3, there are shown embodiments in which crowdfunding is intermediated in a server 30 in which a crowdfunding brokerage method using the moving object of FIG. 1 is implemented.

As shown in FIG. 2, the server 30 can receive a crowdfunding request with collateral information, that is, a movable collateral, from the fund consumer who is the first client device 10, You can post your money on a web page linked to the server by setting the funding amount by evaluating the personal property based on the information. The plurality of second client devices 21, 22 and 23 can inquire funding information posted on the server 30 and transmit the investment request information to the server 30. [

As shown in FIG. 3, the server 30 can determine an investor using matching conditions of a plurality of received investment request information. When the selected investors 21 and 22 pay the investment to the server 30, And the first client device 10 may receive the funding amount instead of securing the business entity in which the funding amount is achieved through the crowd funding to the server 30. [ Also, as described above, the server 30 can perform a money-related business in an external server (not shown) in association with an external server (not shown).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

10: first client device
20: second client device
30: Server
40: Credit Finance Server

Claims (5)

Receiving, by the server, the financing request information from the first client device, which is the money consumer, and transmitting the received financing request information to the credit finance server;
The credit finance server generates evaluation information corresponding to the collateral information included in the financing request information, generates loan information based on the evaluation information, and transmits the generated loan information to the server;
The server generating funding information based on the loan information;
A step in which the second client as the investor inquires the funding information and transmits investment request information including the desired investment amount and the desired interest rate information to the server;
Matching predetermined investment request information with the funding information based on a matching condition among a plurality of received investment request information; And
And determining interest rate information corresponding to the loan information using a plurality of the desired interest rate information included in the matched plural investment request information. The method according to claim 1,
The matching condition is,
A first matching condition for aligning the investment request information based on the desired interest rate information;
A second matching condition for sorting the investment request information based on the desired investment amount; And
And a third matching condition for aligning the investment request information based on a reception time of the investment request information,
Wherein the first matching condition, the second matching condition, and the third matching condition are applied with different weights. 3. The method according to any one of claims 1 to 2,
The matching step comprises:
Arranging a plurality of received investment request information according to the first matching condition;
Accumulating a plurality of the desired investment amounts included in the plurality of aligned investment request information based on the target amount of money included in the funding information; And
And matching the investment request information included in the accumulation process with the funding information when the accumulated investment desired amount reaches the target amount. The method of claim 3,
Wherein the aligning comprises:
If the first investment request information and the second investment request information include the same interest rate information, sorting according to the second matching condition; And
If the first investment request information and the second investment request information include the same investment desired amount, sorting the first request information and the second investment request information according to the third matching condition A method of broking crowdfunding using a loan. The method according to claim 1,
Wherein the interest rate information is an average interest rate of a plurality of different interest rate information included in a plurality of the investment request information matched with the funding information.

Images