KR20170049755A

KR20170049755A - Method for brokerage loan using over-the-counter and brokerage system thereof

Info

Publication number: KR20170049755A
Application number: KR1020150150207A
Authority: KR
Inventors: 김동진; 박순혁; 이동규; 김영규; 심충섭
Original assignee: 주식회사 씽크풀
Priority date: 2015-10-28
Filing date: 2015-10-28
Publication date: 2017-05-11

Abstract

A loan brokerage method using unlisted stocks and an intermediary system therefor are disclosed. The brokerage method using unlisted stocks is based on the information about the unlisted stocks of the borrower to be collateralized by the brokerage system and the information about the transferring condition that the unlisted stock is transferred to the lender when the borrower does not fulfill the obligation due to the loan To a terminal of a plurality of candidate lenders, the intermediary system lending the unlisted stocks as collateral among the plurality of candidate lenders based on the provided information, and specifying a lender agreeing to the transfer condition And a loan mediating step of mediating the execution of the loan between the lender specified by the lender specifying step and the car week.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a loan brokerage system using unlisted stocks,

The present invention relates to a system and method for intermediating a loan using unlisted stocks. More specifically, it is possible for a holder of an unlisted stock to easily raise money by linking a lender (lender of money) who can highly value the value of the unlisted stock, which is the collateral for the loan to the borrower And more particularly,

Stock-backed mortgages are mainly driven by listed stocks that are listed on the exchange. Although some unlisted stocks are collateralized, they are limited to companies with high creditworthiness, such as affiliates of large corporations or public corporations. Most unlisted stocks are not being used as a means of financing.

In some cases, financial institutions may offer unlisted stocks as collateral, but in such cases it is very limited and requires additional credit or other collateral from unlisted equity holders rather than purely equity-backed loans.

In terms of financial institutions, most of the non-listed shares are dispossessed through the auction if the principal of the loan is not collected. In the case of unlisted stocks, it is difficult to recover the principal And for this reason, it is inevitable to lend a loan that is secured by unlisted stocks.

However, in order to revitalize the economy from the long-term growth or recession of the economy, it is very urgent to construct a system that can quickly recover the funds invested in venture capital or other unlisted stocks or utilize investment funds. In some cases, unlisted stock holders may be required to raise funds with stocks as collateral rather than sell stocks.

Therefore, there is an urgent need for a method by which unlisted stock owners can easily secure funds by securing unlisted stocks.

Korean Unexamined Patent Application No. 10-2001-0097257, "Unlisted Stock Trading Method on the Internet" Korean Patent Laid-Open Publication No. 10-2007-0090491, "Equity-backed Loan System"

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is a technical object of the present invention to provide a method and system for effectively making unlisted equity lending possible.

Unlisted stocks usually need to be valued with a focus on growth potential. However, the value of unlisted stocks is not properly valued because most existing collateral valuation methods focus on asset value. Growth is a future value, and there is a risk due to uncertainty. Therefore, it is a reality that it is difficult to make a loan in an orthodox way.

Recently, some of the technologies for unlisted equity lending have been disclosed, but most of these technologies are used only as unlisted securities, so if the existing loan method and the repayment are not made after the loan, This method can not be properly valued according to the characteristics of unlisted stocks with low marketability, and it can demand a high interest rate because it is considered that the risk of unlisted equity lending is large in the case of the lender.

Therefore, the requirement to activate unlisted equity lending is to build a system and system that can link candidate lenders to empathize with the growth potential of unlisted stocks and the value of other unlisted stocks. In order to solve this technical problem, the present invention proposes to provide candidate lenders with information on the transfer condition, which is the condition that the unlisted stock of the borrower becomes the possession of the lender when the borrower does not perform the borrower's obligation according to the loan, , Which provides a method and system that can be a very attractive loan brokerage service for lenders who are willing to own the unlisted stock if at least the loan interest is secured.

In addition, since the borrower who wishes to receive a loan can be financed by the lenders who are interested in the growth potential or other value of the unlisted stock, it is possible to evaluate the relatively high value of the private equity collateral, And to provide a system and a method for enabling the system to be procured at an interest rate.

The present invention also provides a method and system for enhancing the stability of an intermediary system by easily verifying whether a borrower who wishes to receive a loan actually holds the unlisted stock.

According to one aspect of the present invention, a loan brokerage method using unlisted stocks is a method in which the brokerage system is informed of the unlisted stock of the borrower to be collateral for the loan, and when the borrower does not fulfill the obligation due to the loan, Providing information on a previous condition to a terminal of a plurality of candidate lenders; performing a lending of the unlisted stock among the plurality of candidate lenders as collateral on the basis of information provided by the intermediary system, And a loan mediating step of mediating the execution of the loan between the lender specified by the lender specifying step and the car week.

The method comprising: a confirming step of confirming whether the brokerage system fulfills the obligation of the borrower corresponding to the borrowing condition after the borrowing of the borrowing book from the borrower with the predetermined borrowing condition; If the situation in which the obligation of the borrower is not fulfilled meets a predefined previous condition, the transferring system carries out the ownership transfer process for transferring ownership of the unlisted stock that has been secured by the intermediary system to the stockholder .

Wherein the intermediation system further includes a verification step of verifying whether the broker actually holds the unlisted stock, and the verification step is a step of verifying whether the brokerage system includes the unlisted stock And performing the verification using the image of the borrower's account.

The step of performing the verification using the image of the borrower's account may include comparing the account information included in the image with the information about the borrower, and comparing the verification result with the comparison result, And a step of judging.

The step of performing the verification using the image of the account of the borrower may include determining whether the intermediary system has taken the image with the borrower's mobile terminal.

Wherein the brokerage system further comprises a brokerage system in which the brokerage system compares a loan interest corresponding to the brokerage condition to the brokerage system using the unlisted stock, And transferring at least a part of the deposited interest to the account of the lender when the money is received in the intermediary account.

The transferring ownership step may include a step of causing the brokerage system to place the brokerage account of the brokerage system or the unlisted stock included in the account of the borrower into the account of the brokerage.

The above method can be implemented by a computer program installed in the data processing apparatus.

In order to solve the above technical problem, a brokerage system for a loan brokerage method using unlisted stocks includes information on unlisted stocks of the borrower to be collateralized by the loan, and unlisted stocks are transferred to the lender when the borrower does not fulfill the obligation due to the loan An information providing module for providing information on a previous condition to a terminal of a plurality of candidate lenders, a lender of the unlisted stock among the plurality of candidate lenders as collateral on the basis of the provided information, A lender specific module for specifying the lender who agrees with the condition, and a control module for mediating the loan between the lender and the specified lender.

Further comprising a confirmation module for confirming whether the borrower's obligation corresponding to the borrowing condition is performed after the borrowing of the borrower is performed from the borrower with the predetermined borrowing condition, If the circumstances in which the Borrower's obligations are not fulfilled meet the pre-determined prior conditions, the ownership transfer process may be performed to transfer the ownership of the secured private equity to the lender.

Wherein the intermediary system further comprises a verification module that verifies whether the borrower actually holds the unlisted stock and the verification module performs verification using an image of the account of the borrower containing the unlisted stock can do.

The verification module may compare whether the account information included in the image corresponds to the information about the borrower, and determine the verification result based on the comparison result.

The verification module may determine whether the image is photographed with the mobile terminal of the borrower.

The control module may perform a process of transferring at least a part of the deposited interest to an account of the fund if the loan interest corresponding to the loan condition is received in the intermediary account of the intermediary system.

Wherein the control module, when the situation in which the obligation of the borrower is not fulfilled meets a predefined previous condition, a process of putting the unlisted stock included in the brokerage account of the brokerage system or the account of the borrower into the account of the lender Can be performed.

According to one embodiment of the present invention, a holder of an unlisted stock has the effect of securing funds by receiving a loan without selling the stock.

In particular, the Borrower may assess the growth potential or other value of the unlisted stock and, in some cases, the lender who intends to own the unlisted stock (where the lender is expressed in singular form, but may be expressed in plural as per context, The lender has at least one person), so that it has a relatively high collateral valuation value compared to the conventional technology, and can be financed with a large amount of money and / or can be financed at a low interest rate .

In addition, from the standpoint of the lender, if the borrower does not repay the principal, he / she can own the unlisted stock, at least it can secure stable interest income.

Also, from the viewpoint of the lender, the value of the collateral value is measured to be lower than the market value, so it has an effect of securing the unlisted stocks in a condition that is better than the market value of the unlisted stock.

In addition, it is possible to easily verify whether the borrower who wishes to receive the loan actually holds the unlisted stock, thereby improving the reliability and stability of the intermediary system.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 is a conceptual diagram illustrating a system configuration for implementing a loan brokerage method using unlisted stocks according to an embodiment of the present invention.
2 is a diagram illustrating a schematic configuration of an intermediary system according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating an exemplary process of an unlisted stock trading method according to an embodiment of the present invention. Referring to FIG.
FIG. 4 is a diagram illustrating an example in which information on unlisted stocks is provided according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of verifying whether or not an unlisted stock is held through an image according to an embodiment of the present invention.
FIG. 6 is an exemplary diagram illustrating an example of an image used for verifying whether or not an unlisted stock is held according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise.

In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

Hereinafter, the present invention will be described in detail with reference to the embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a conceptual diagram illustrating a system configuration for implementing a loan brokerage method using unlisted stocks according to an embodiment of the present invention.

Referring to FIG. 1, a brokerage system 100 may be provided to implement a loan brokerage method using an unlisted stock according to an embodiment of the present invention. The intermediary system 100 may be implemented by organically combining software and data processing apparatuses to implement the technical idea of the present invention.

The intermediary system 100 may implement the technical idea of the present invention while communicating with the borrower terminal 200 and / or the borrower terminal 300 through a wire / wireless network. In addition, the intermediary system 100 may implement the technical idea of the present invention while communicating with the first account management system 400 operating the intermediary account of the intermediary system 100. [ Also, the intermediary system 100 can implement the technical idea of the present invention while communicating with the second account management system 500 that manages an account of a borrower, that is, an unlisted stock holder.

The borrower terminal 200 and / or the borrower terminal 300 are defined to include all types of terminals capable of communicating with the brokerage system 100 to implement the functions defined herein . 1, the mobile terminal 200 and / or the borrowing terminal 300 are implemented as a desktop, but various embodiments such as a mobile terminal and an IPTV are possible.

The borrower terminal 200 refers to a terminal used by a borrower to receive a loan according to the technical idea of the present invention to implement the technical idea of the present invention and does not necessarily mean a specific physical terminal. Also, the gaming terminal 300 also refers to a terminal used to implement a technical concept of the present invention, that is, a user who wishes to make a loan according to the technical idea of the present invention, and does not necessarily mean a specific physical terminal. Also, according to an embodiment, the gaming terminal 300 may be a terminal of a financial institution connected to the gaming terminal. For example, rather than the direct lending by the lender, the lender can make a deposit to the financial institution according to legal or institutional needs, and the financial institution may lend on behalf of the lender. In addition, the lender may be a financial institution itself.

The first account management system 400 may be a system for managing a brokerage account for performing a brokerage of a loan according to the technical idea of the present invention. The intermediary account does not mean only one account, and a plurality of accounts may be used as the intermediary account according to the embodiment. The intermediary account may be a service principal name of the intermediary system 100 or an account of a third party name that the intermediary system 100 authenticates.

The brokerage account may be an account that may include unlisted shares, cash. That is, it may be an account that can deposit / deposit unlisted stocks and / or cash.

The intermediary account may be commonly used for various loan intermediaries, and in some embodiments, a new intermediary account may be created for each loan intermediary by communication of the intermediary system 100 and the first account operating system 400 .

The first account management system 400 for managing the intermediary account may be a financial institution system such as a securities company system, but is not limited thereto. The intermediary system 100 may communicate with the intermediary system 100 while operating the intermediary account A system capable of realizing the technical idea of the present invention suffices.

Although the intermediary system 100 and the first account operating system 400 are illustrated as separate physical devices in FIG. 1, the intermediary system 100 may be implemented in the first account operating system 400 as shown in FIG.

That is, the loan brokerage method using the unlisted stock performed by the brokerage system 100 may be performed by the first account management system 400. For example, a brokerage service using unlisted stock according to the technical idea of the present invention may be provided directly by a securities company. In this case, a combination of software codes and hardware included in the first account operating system 400 and performing the functions defined in the present specification may be defined as the intermediary system 100.

Meanwhile, the second account management system 500 may be a system for managing the account of the borrower. For example, the second account management system 500 may be a financial institution system such as a securities company, or may be a system that manages an account including unlisted stock held by a borrower.

1, the first account management system 400 and the second account management system 500 are separately implemented. However, the first account management system 400 and the second account management system 500 may be implemented separately, The account management system 500 may be the same system. For example, a borrower who wishes to use a loan brokerage service according to the technical idea of the present invention may implement a service according to the present invention so as to open his account in a brokerage company operating the brokerage account. In this case, It goes without saying that the account management system 400 and the second account management system 500 may be the same system.

The brokerage system 100 can mediate a loan with collateral held by unlisted stocks between the borrower and the borrower. Intermediating a loan can mean mediating the execution of the loan. May further include mediating obligations that the borrower has to perform in accordance with the implementation (e.g., interest on the loan and / or payment of the principal of the loan) in accordance with the implementation.

Also, according to the technical idea of the present invention, the brokerage system 100 does not perform the obligation of the borrower when the borrower does not fulfill the obligations, and if the non-performance of the obligations satisfies a certain condition, A series of processes may also be performed.

In addition, the intermediary system 100 may verify that the borrower actually holds unlisted stocks to be provided as collateral, so that only those who hold unlisted stocks can receive the loan. To this end, the intermediary system 100 may receive unlisted stocks to be collateralized from the borrower to the intermediary account. However, it may be undesirable or undesirable for the unlisted stock to be entered into another account (eg, an intermediary account or a lender's account) before the loan is confirmed or executed. Therefore, according to the technical idea of the present invention, it is possible to easily confirm whether or not the borrower actually holds unlisted stocks while holding the unlisted stock in the borrower's account.

The intermediary system 100 may provide a predetermined web page or a mobile page. These pages may be initiated with content that makes a loan request with an unlisted stock as collateral. Such content may be transmitted to a terminal of a plurality of candidate advertisers accessing the web page or the mobile page.

According to an embodiment, the content may further include information on a transfer condition, which is a transfer condition of transferring ownership of the unlisted stock when the transfer condition is not fulfilled, that is, when the borrower does not perform the obligation according to the loan. The information about the transfer condition may be information that the ownership of the unlisted stock is transferred if the borrower does not fulfill the obligation, and if it does not perform the obligations in a certain way (for example, the number of interest payments, Delayed time, etc.). &Lt; / RTI > Of course, the information on the previous condition may not be included in each content but may be commonly informed to a web page or a mobile page. At this time, it is needless to say that a common transfer condition can be applied to each loan request.

The specific lender can send a loan progress request to the intermediary system 100 through the borrower terminal 300 to perform the loan.

Also, it is of course possible that the lender transmitting the loan progress request may be a partner who agrees with the previous conditions for the loan request. Thus, the technical idea of the present invention can provide particularly good opportunities for buyers who are willing to buy certain unlisted shares. In addition, the buyer is more likely to pay higher value of the unlisted stocks and is more likely to provide funds in good terms, which can provide better opportunities for the borrower.

Of course, you do not want to sell unlisted shares, but you can have an opportunity to secure funds for borrowers who need money.

The technical idea of the present invention is that the possibility of lending can be great by allowing a buyer who desires to purchase unlisted stocks to become a candidate lender. Accordingly, the intermediary system 100 according to the technical idea of the present invention can provide information on the loan request by targeting the buyer. For example, it may provide information about a loan request to users who have requested a purchase of a specific unlisted stock from a trading site of a non-listed stock or a platform that provides transaction services of unlisted stock such as an application. Or by providing information to the platform about the loan request.

The brokerage system 100 may specify a lender to borrow for a particular loan request.

Depending on the embodiment, the lending conditions (e.g., loan interest, principal repayment scheme, and / or other transfer criteria for future ownership transfer, etc.) may be predetermined by the borrower and / or intermediary system 100, The loan condition may be adjusted between the lender and the borrower through a predetermined UI provided by the borrower. In the case where the lending condition is determined in advance, the contents may have the lending condition specified, and only the lender who is to perform the lending condition may transmit the lending proceeding request. Or only a portion of the terms of the loan that may specify the loan, such as the amount of the loan or the period of the loan, may be specified in the content, and other terms of the loan (e.g., interest on the loan, principal repayment method, and / Etc.) may be specified after the lender is specified. Or the auction method may be used to determine the lending condition.

The intermediary system 100 may mediate a loan. The brokerage of the loan performed by the brokerage system 100 may use an intermediary account. For example, the brokerage system 100 may transmit information on the brokerage account to the specified brokerage terminal 300. The lender can remit the committed loan to the intermediary account. The intermediary system 100 can then transfer the remitted money to the account of the borrower. Before or after the remittance, the intermediary system 100 may set the account including the unlisted stock as the collateral to the collateral account. For this purpose, pledge setting can be performed. Unlisted shares may be in stock in the brokerage account or held in the borrower's account. In the case of receipt in the brokerage account, pledge shares are already separated from the borrower, so pledge setting may be omitted and the collateral stock may be managed under the indirect and indirect responsibility of the brokerage system. When it is necessary to set the pledge, the intermediary system 100 can request the pledge setting by communicating with the first account operating system 400 and / or the second account operating system 500.

According to an embodiment, the intermediary system 100 may perform loan intermediation without using an intermediary account. In this case, the intermediary system 100 may transmit information on the account of the borrower previously received in the borrowing terminal 300. [ The lender can then remit the committed loan to the borrower's account. Upon completion of the remittance, it is possible to receive a signal from the borrower terminal 200 and / or the borrower terminal 300 indicating that the transfer of the loan has been completed. Then, the intermediary system 100 can know that the loan intermediation is completed. In this embodiment too, the brokerage system 100 may utilize the brokerage account for the management of the collateral stock.

The brokerage system 100 may store the loan information for each loan request item. The loan information may include information on a loan condition, a loan, a loan, and the like.

Also, as described above, the loan condition may include information on the previous condition. The transfer condition may refer to the condition for transferring the unlisted shares as collateral to the possession of the lender if the borrower fails to perform his or her obligations. The transfer condition may be a condition or a guideline for transferring the ownership right if the borrower does not perform one duty or may be a transfer if the transfer is not carried out in a predetermined manner (for example, withdrawal, delay time, etc.) . Or the previous condition may be set based on the evaluation amount and the loan amount in which the unlisted stock is evaluated in a predetermined manner. For example, the transfer condition may be adaptively set according to the difference between the evaluation amount and the loan amount. For example, if there is a difference between the evaluation amount and the loan amount, the larger the difference is, the larger the number of obligatory execution times defined in the previous condition may be. The valuation amount may be determined uniformly on the basis of the characteristics of the unlisted stock, or may be determined according to a predetermined method (an evaluation system or auction, etc.) or the judgment of the owner or lender by the operator of the intermediary system 100.

The brokerage system 100 can confirm whether the obligation of the borrower is executed by using the loan information stored for each loan request item. If the borrower's obligations are fulfilled faithfully, the loan may be executed as defined in the loan information, and the management of the loan brokerage case may be terminated if the loan period expires. Of course, if the repayment of the principal is completed, the collateral can be canceled or the collateral stock may be entered into the borrower if the collateral stock is in the intermediary account.

If the borrower's obligation is not performed and the unfulfilled situation meets the previous conditions, the brokerage system 100 may perform the process of transferring the collateralized unlisted stock to the lender. If the ownership of the unlisted shares is transferred to the lender, the lending is terminated and the management of the loan brokerage can also be terminated.

The specific configuration of the intermediary system 100 for implementing such a technical idea will be described with reference to FIGS. 2 and 3. FIG.

2 is a diagram illustrating a schematic configuration of an intermediary system according to an embodiment of the present invention. FIG. 3 is a diagram illustrating an exemplary procedure of an unlisted stock trading method according to an exemplary embodiment of the present invention. Referring to FIG.

Referring first to FIG. 2, an intermediary system 100 according to an embodiment of the present invention includes a control module 110, an information providing module 120, and a lender specification module 130. The intermediary system 100 may further include an authentication module 140 and / or a verification module 150.

The intermediary system 100 may include hardware resources and / or software necessary to implement the technical idea of the present invention, and does not necessarily mean a single physical component or a single device . That is, the mediating system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, the mediating system 100 may be installed in a separate apparatus to perform respective functions And may be embodied as a set of logical structures for realizing the technical idea of the present invention. In addition, the intermediary system 100 may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention.

For example, the intermediary system 100 may include a part of the broker terminal 200, the borrower terminal 300, the first account operating system 400, and / or the second account operating system 500 . For example, a specific configuration among the configurations included in the intermediary system 100 may be provided to the borrowing terminal 200, the borrowing terminal 300, the first account operating system 400, and / or the second account operating system 500, and a physical device for implementing the intermediary system 100, and the distributed and installed components may be organically coupled to implement the specific configuration. The borrower 200 and / or the borrower 300 may be provided with a client program (e.g., application) corresponding to the brokerage system 100.

In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

The control module 110 may include other components included in the intermediary system 100 such as the information providing module 120, the lender specification module 130, the confirmation module 140 ), And / or verification module 150, etc.).

The loan intermediation method using the unlisted stock according to the technical idea of the present invention may include an information providing step (SlOO), a lender specification step (S110), and a loan intermediation step (S120). The loan brokerage method using the unlisted stock may further include an approval step (S130) and an ownership transfer step (S140).

The information providing step (S100) may be performed by the information providing module (120). The information providing module 120 may provide the information on the unlisted stock of the borrower, which is the collateral for the loan, to the terminal of the plurality of candidate lenders. Of course, the information provided to the candidate lenders may further include information on a loan condition including information on the previous condition as described above. The information providing module 120 may directly transmit information on the unlisted stock and / or information on the previous conditions to the candidate lenders in a message, push message, mail or other various ways, The terminal of the candidate lenders may indirectly take the information by opening contents containing information on unlisted stocks. The candidate lenders may be, for example, a subscriber of a service according to an embodiment of the present invention, or a user who has installed an application for implementing the technical idea of the present invention in his / her terminal.

An example of information on the unlisted stock is shown in FIG.

FIG. 4 is a diagram illustrating an example in which information on unlisted stocks is provided according to an embodiment of the present invention.

Referring to FIG. 4, the information providing module 120 may receive a non-listed stock (for example, a loan request for item 1, a loan request for item 2) in a predetermined manner as shown in FIG. 4 Lt; / RTI > Each loan request may be requested by a different borrower (or borrower), or it may be requested by the same borrower. Information on the unlisted stock may include information on the type of unlisted stock (e.g., item 1, item 2, etc.) and the amount to be collateral (for example, 100, 50). In addition, the loan request condition information may further include information on various loan conditions in addition to the information on the unlisted stock. For example, information on a desired loan amount (for example, 10 million won, 50 million won, etc.). In addition, the loan request condition information may include information on an evaluation amount set in a predetermined manner (e.g., 100 million, 200 million, etc.). Further, information on the previous condition as described above may be further included. Of course, the loan request condition information may further include information on other loan conditions (e.g., loan interest, loan term, interest rate, repayment method, etc.).

The candidate lenders use the terminal to confirm the loan request condition information, and send a loan proceeding request for the loan request desired by the user through a predetermined UI (for example, a 'lending progress' button as shown in FIG. 4) To the intermediary system 100.

The lender specification step (S110) may be performed by the lender specification module (130). Based on the information provided by the information providing module 120, the lender specifying module 130 can specify a lender to borrow the unlisted stock from the plurality of candidate lenders as collateral. That is, the lender can be specified for each loan request. The lender can be selected from the lenders that have transmitted the loan progress request to the loan request.

The lender specifying module 130 may specify the lender who first transmitted the lending progress request to the lender of the loan request as the lender of the lender request. In this case, it is possible to specify the candidate lender who offers the most favorable loan condition to the borrower. It is needless to say that each of the candidate lenders can further transmit the lending condition desired by the candidate lenders to the intermediary system 100 while transmitting the loan progress request. For example, candidate lenders that are deemed most favorable to the borrower by the pre-determined criteria, such as the lowest interest rate and the longest loan period, may be specified as lenders. Depending on the implementation, the borrower of the corresponding loan request may specify the borrower based on the loan conditions presented by the plurality of candidate borrowers. For this purpose, the borrower specifying module 130 may transmit information on loan conditions of candidate borrowers to the borrower terminal 200, and may receive a loan from the borrower terminal 200 in response thereto. The lending condition can be specified as well as specifying the lender through the lender specifying step S110 performed by the lender specifying module 130. [ If the loan condition is specified, the previous condition may be specified. The transfer condition may imply conditions for transferring the collateralized unlisted shares to the possession of the lender if the borrower does not fulfill the obligations corresponding to the terms of the loan. This transfer condition may be a common condition for loan request cases, or different transfer conditions may apply for different loan requests. For example, the previous condition may be adaptively determined according to the difference between the valuation amount of the unlisted stock and the desired loan amount. It goes without saying that the transfer condition may be specified through consultation between the lender and the borrower. It is a matter of course that the loan conditions are specified by the borrower and / or the intermediary system 100, and the candidate lender agreeing to such loan conditions may be specified as the lender.

The loan mediating step (S120) may be performed by the control module (110). The control module 110 may mediate the lending between the lender specified for the loan request and the car week.

The control module 110 may perform loan broking to cause the loan of the specified loan to be deposited into the account of the borrower as described above. The control module 110 may perform mediation to transfer the loan of the lender directly to the account of the borrower as described above or may transfer the loan to the account of the borrower through the intermediary account.

In some embodiments, the loan of the lender is deposited in the intermediary financial institution, and the intermediary institution may execute the loan. The lender may then be a financial institution, which may deposit funds from the individual lender (s) agreeing to the technical idea of the invention and lend the funds to the borrower. In this case, the Borrower may finance the Borrower in the same manner as borrowing from the financial institution and perform the Borrower's obligations. In such a structure, the financial institution may pay the lender the amount corresponding to the obligation of the borrower to be deposited (for example, loan principal or interest) except for a predetermined fee.

If loan brokering is performed through an intermediary account, information on the borrower may not be directly exposed to the borrower, thus providing greater stability.

In the case of direct brokerage, the control module 110 transmits information about the account of the borrower to the borrower terminal 300, and the borrower can remit the loan to the account of the borrower. Then, the control module 110 can receive a signal indicating that the transfer of the loan has been completed from the second borrowing terminal 200 or the second account operating system 500, thereby completing the loan intermediation.

When intermediating the loan through the intermediary account, the control module 110 may conduct guidance or control such that the lender transfers the loan to the intermediary account, and may transfer the loan to the account of the borrower when the loan is deposited . For this purpose, the control module 110 may transmit a predetermined signal to the first account management system 400 operating the intermediary account.

Meanwhile, the technical idea of the present invention can be accomplished not by completing the brokerage through the process of transferring the loan to the borrower but by managing the loan for each loan request.

This loan management can be performed through the confirmation step S130 and the ownership transfer step S140.

The checking step S130 may be performed by the checking module 140. [ The confirmation module 140 can confirm whether the borrower's obligation corresponding to the predetermined lending condition is performed by the borrower.

Borrower 's obligation may be, for example, the obligation to pay the lender the principal, interest, or principal of the loan corresponding to the terms of the loan at a pre - determined time. This Borrower's obligation may be directly executed between the Borrower and the Large Week, or through an intermediary account provided by the Intermediary System (100). According to the technical idea of the present invention, the brokerage system 100 can also broker the performance of the obligations of the borrower.

When the borrower's obligation is carried out directly from the borrower to the borrower, the confirmation module 140 transmits a predetermined confirmation signal to the borrower terminal 200 and / or the borrower terminal 300 and receives a response from the borrower terminal 200 and / Whether the obligation has been fulfilled.

According to another embodiment, the borrower may perform the obligations of the borrower through the intermediary account, and may transmit at least a portion of the amount corresponding to the obligation of the borrower deposited in the intermediary account (e.g., loan principal, etc.) to the account of the borrower . That is, the brokerage system 100 may deposit all of the amount corresponding to the obligation of the borrower to be deposited from the borrower into the account of the borrower, or may deposit the amount of the borrower's account excluding the predetermined fee in the account of the borrower have. In this case, the confirmation module 140 can easily check whether the borrower's obligations are performed by checking the intermediary account.

The ownership transferring step (S140) may be performed by the control module 110.

The control module 110 determines whether the borrower's obligation is not fulfilled as a result of checking whether the borrower's obligation is confirmed by the confirmation module 140, You can perform the transfer of ownership process to transfer to the lender.

The process of transferring ownership of the unlisted stock to the lender may proceed in a different manner depending on whether the unlisted stock is in stock in the brokerage account or held in the borrower's account.

According to the embodiment of the present invention, unlisted stocks to be collateral can be forced to proceed with the loan brokerage until they are received in the brokerage account, or may be implemented so that the brokerage brokerage proceeds while held in the account of the borrower. For example, the brokerage system 100 guides the goods receipt to the brokerage account of unlisted stocks to be collateralized by the borrower terminal 200, and the unofficial stock collateralized by the brokerage account must be received, The contents including the information on the unlisted stock may be provided to the terminal of the candidate lenders by the terminal 120. It goes without saying that depending on the embodiment, it is also possible that goods are entered into the intermediary account of the unlisted stock before the loan is confirmed and executed, not in the information providing step. In any case, the control module 110 can transfer the unlisted stocks that have been received in the brokerage account to the account of the brokerage if the transfer condition is satisfied, and terminate the brokerage process. To this end, the control module 110 transmits a predetermined control signal to the first account management system 400, and in response, the first account management system 400 transmits the unlisted stock to the account of the account .

Meanwhile, if the unlisted stock is held in the account of the borrower, the account of the borrower may be set as a secured account, and in such a state, the control module 110 may set the second account management System 500 to send the unlisted stock to the account of the lender. Of course, at this time, if the previous condition is satisfied by the borrower in advance, the unlisted stock may be consented to be transferred to the account of the lender, and accordingly, based on the control signal, May be implemented. In some implementations, the Borrower's consent procedure may be required when unlisted shares are transferred to the lender's account.

Meanwhile, in the case where the technical idea of the present invention is implemented with a structure including a lending financial institution, since the lending financial institution performs only the intermediary function of the funds as described above, the transfer of the collateral stock is made to the substantial lender Lt; / RTI >

As a result, according to the technical idea of the present invention, when the pre-determined conditions are satisfied, the unlisted stock that is secured becomes the ownership of the lender who has made the loan, so that the lender can at least retain the unlisted stock have. Therefore, according to the technical idea of the present invention, lenders having an investment characteristic can be effected from the standpoint of the lender.

On the other hand, in the case where loan brokerage is carried out in the state where unlisted stocks held as collateral are held in the account of the borrower as described above, there may be a risk that the lender will be carried out by a person who does not have unlisted stocks. To mitigate these risks, a verification process may be required to verify that the Borrower actually holds the relevant unlisted shares.

The verification procedure or verification step according to the technical idea of the present invention can be performed by the verification module 150. [ The verification step may be preferably performed before the information providing step S100, but depending on the implementation, it may be sufficient to perform only before the loan mediating step S120.

An example of such a verification step will be described with reference to Figs. 5 and 6. Fig.

FIG. 5 is a diagram illustrating a process of verifying whether or not an unlisted stock is held through an image according to an embodiment of the present invention. 6 is an exemplary diagram illustrating an example of an image used for verifying whether or not a non-listed stock is held according to an embodiment of the present invention.

Referring first to FIG. 5, the verification step may be performed by the verification module 150. The verification module 150 can perform the verification step by receiving an image of the account of the borrower from the borrower terminal 200 (S200). The borrower may access the second account management system 500 operating his own account and take an image including a predetermined screen provided by the second account management system 500. And send the image to the verification module 150. The image may display predetermined account information and information about unlisted stocks to be collateral.

The verification module 150 may determine that the borrower actually holds the unlisted stock as long as the image in which the account of the borrower is photographed is received.

In this case, however, there is a risk that the manipulated image will be received from the borrower. Accordingly, in order to provide higher security, the verification module 150 compares whether the account information included in the image corresponds to the information about the borrower, and determines the verification result based on the comparison result (S210 ).

The account information may be the name of the borrower included in the image. For example, as shown in FIG. 6, the image may include information on the name (name) of the borrower. The verification module 150 may automatically recognize the name of the borrower from the image (e.g., OCR recognition, etc.) or manually by a person. And compares the loan request with the name of the borrower included in the information of the borrower transmitted to the brokerage system 100, and if it is determined that the verification is successful (i.e., the borrower actually has the unlisted stock) can do. Needless to say, it is of course possible to further determine whether the information (for example, the name of the item, the quantity, etc.) of the unlisted stock provided when the loan request is made from the borrowing terminal 200 corresponds to the information included in the image.

According to an embodiment, the image may not include the name of the borrower. However, as shown in FIG. 6, at least the identification information of the account (for example, the account number) may be included in the image. In this case, the verification module 150 may perform verification by determining whether the identification information of the account corresponds to the borrower. For example, the verification module 150 transmits information on the owner of the account corresponding to the identification information of the account to the second account management system 500, and transmits the information of the account from the second account management system 500 Information about the owner can be received. Then, the verification can be performed by judging whether or not the owner of the account and the borrower correspond to each other. Of course, in this case, the second account management system 500 and the intermediary system 100 may share a predetermined application programming interface (API) or may require a business agreement.

According to an embodiment, the intermediary system 100 may transfer a predetermined amount (e.g., one won) to the account corresponding to the identification information of the account. Then, it is possible to confirm the owner of the account through the remittance, thereby performing the verification. In this case, the second account management system 500 may confirm the owner of the account at a relatively low cost even though the API is not shared or the business agreement does not exist.

Meanwhile, for higher security, the verification module 150 may determine whether the image satisfies the photographing condition (S220). The photographing condition may be, for example, a condition for determining whether the image is photographed by the mobile terminal of the borrower. Whether the image is photographed by the mobile terminal of the borrower (S220) and whether the account information corresponds to the borrower (S210) may be performed alone or all of them may be performed.

For example, the verification module 150 may receive identification information (e.g., telephone number, hardware identification information, OS, identification information of an application, or the like) capable of identifying the mobile terminal of the borrower in advance and recognize and store the identification information. The mobile terminal of the borrower may be the borrowing terminal 200 or a separate terminal. In addition, an application for implementing the technical idea of the present invention may be installed in the mobile terminal of the present invention.

For example, the verification module 150 may allow the borrowing mobile terminal to authenticate the mobile phone. To this end, the verification module 150 may allow the mobile terminal to access a certification authority system (not shown) capable of authenticating the mobile phone. The identification information of the borrower mobile terminal authenticated as a legitimate owner through the authentication of the mobile phone can be authenticated as an authenticated mobile terminal. And allow the owner to shoot the image through an authenticated mobile terminal. And if the image is transmitted from the mobile terminal to which the owner is authenticated, the image may be authenticated with the image taken by the mobile terminal of the borrower.

However, in this case, the image may not be taken by the borrower's mobile terminal but may be an image transmitted from the outside to the borrower's mobile terminal.

Accordingly, the mobile terminal of the borrower may insert the identification information of the borrower mobile terminal into the image. The identification information of the borrower mobile terminal may be embedded in the meta information of the image, or may be embedded in the image in the form of steganography, watermark, or the like. The identification information may be inserted into the image in any manner, and the verification module 150 may verify based on the identification information whether the image is an image photographed by the mobile mobile terminal. For example, the verification module 150 extracts the identification information inserted in the image, and determines whether the extracted identification information corresponds to the identification information of the owner mobile terminal (or the identification information of the mobile terminal whose authentication is successful) So that the verification can be performed. Or the identification information embedded in the image and confirms the owner information of the mobile terminal corresponding to the extracted identification information through the mobile communication company system to determine whether the image is taken by the mobile terminal of the mobile phone You may.

In various manners, the verification module 150 may determine whether the image received from the mobile terminal 200 is an image photographed by the mobile terminal of the borrower, and determine that the verification is successful based on the determination result (S230) .

If the verification is successful, the verification module 150 may transmit the verification result to the information providing module 120. [ Then, the information providing module 120 may transmit the content corresponding to the loan request requested by the borrower to the terminals of at least one candidate lenders.

Therefore, according to the technical idea of the present invention, it is possible to confirm whether the borrower who holds the unlisted stock actually requests the loan request without receiving the unlisted stock from the borrower so that the safety and convenience of the intermediary system 100 Can be increased.

On the other hand, according to an embodiment, the intermediary system 100 may include a processor and a memory for storing a program executed by the processor. The processor may include a single-core CPU or a multi-core CPU. The memory may include high speed random access memory and may include non-volatile memory such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid state memory devices. Access to the memory by the processor and other components can be controlled by the memory controller. Here, when the program is executed by a processor, the program can cause the brokerage system 100 according to the present embodiment to perform the above-described unlisted stock trading method.

Meanwhile, the loan brokerage method using unlisted stocks according to the embodiment of the present invention can be implemented in the form of computer-readable program commands and stored in a computer-readable recording medium. And the target program may also be stored in a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Program instructions to be recorded on a recording medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software.

Examples of the computer-readable recording medium include magnetic media such as a hard disk, a floppy disk and a magnetic tape, optical media such as CD-ROM and DVD, a floptical disk, And hardware devices that are specially configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. The above-mentioned medium may also be a transmission medium such as a light or metal wire, wave guide, etc., including a carrier wave for transmitting a signal designating a program command, a data structure and the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

It is intended that the present invention covers the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents. .

Claims

In a loan brokerage method using unlisted stocks,
Information about unlisted stocks of the borrower that the brokerage system will be the collateral for the loan and information about the transfer conditions of the unlisted stock to the lender if the borrower does not fulfill the obligation due to the loan is provided by multiple candidate lenders ;
A lender specifying step of lending the unlisted stock among the plurality of candidate lenders as a security based on the information provided by the intermediary system and specifying a lender agreeing to the transfer condition; And
Wherein the brokerage system mediates between a lender specified through the lender specifying step and a lender performed between the lender and the car week.

The method of claim 1, wherein the loan brokerage method using the unlisted stock comprises:
A confirming step of confirming whether the brokerage system fulfills the obligation of the borrower corresponding to the loan condition after the borrowing of the borrower from the borrower is performed under a predetermined loan condition; And
If it is determined that the borrower's obligation is not fulfilled, the brokerage system transfers the ownership of the unlisted stock to the brokerage system, A method of loan brokerage using unlisted stocks further including.

The method of claim 1, wherein the loan brokerage method using the unlisted stock comprises:
The brokerage system further comprises a verification step of verifying whether the borrower actually holds the unlisted stock,
Wherein the verifying step comprises:
And performing a verification using the image of the account of the borrower including the unlisted stock in the brokerage system.

4. The method of claim 3, wherein performing verification using an image of the account of the borrower comprises:
Comparing the account information included in the image and the information about the borrower with each other; And
And determining a verification result based on the comparison result.

4. The method of claim 3, wherein performing verification using an image of the account of the borrower comprises:
And determining whether the intermediary system has photographed the image with the mobile terminal of the borrower.

The method of claim 1, wherein the loan brokerage method using the unlisted stock comprises:
Further comprising an obligatory mediating step in which the mediating system mediates the obligation of the borrower,
The obligatory mediation step comprises:
Performing a process of transferring at least a part of the loan interest transferred to the account of the lender when the intermediary system receives the loan interest corresponding to the loan condition in the intermediary account of the intermediary system, A method of using a loan.

3. The method of claim 2,
Performing the process of causing the brokerage system to place the unlisted stock included in the brokerage account of the brokerage system or the account of the borrower into the account of the brokerage.

A computer program installed in a data processing apparatus and stored in a recording medium for performing the method according to any one of claims 1 to 7.

A brokerage system for a brokerage method using unlisted stock, comprising:
Information about the unlisted stock of the borrower to be the collateral of the loan and information on the transfer condition of the condition that the unlisted stock is transferred to the lender if the borrower does not fulfill the obligation due to the loan, An information providing module for providing the information;
A lender specification module that specifies a lender who agrees to the transfer condition and lends the unlisted stock among the plurality of candidate lenders as collateral based on the provided information; And
And a control module for mediating a loan execution between the specified loan and the car week.

10. The system of claim 9,
Further comprising: a confirming module for confirming whether a borrower's obligation corresponding to the borrowing condition is performed after the borrowing of the borrower from the borrower is performed with a predetermined loan condition,
The control module includes:
And a control module for performing an ownership transfer process for transferring ownership of the secured private equity to the lender, if the condition that the borrower's obligation is not fulfilled matches the predetermined condition.

10. The system of claim 9,
Further comprising a verification module for verifying whether the borrower actually holds the unlisted stock,
Wherein the verification module comprises:
Wherein the verification is performed using an image of the account of the borrower including the unlisted stock.

12. The method of claim 11,
Wherein the comparing means compares whether the account information included in the image corresponds to the information about the borrower, and determines the verification result based on the comparison result.

12. The method of claim 11,
And determines whether the image of the image has been taken by the mobile terminal of the borrower.

10. The apparatus of claim 9,
And transferring at least a part of the loan interest transferred to the account of the lender when the loan interest corresponding to the lending condition is received in the intermediary account of the intermediary system.

10. The apparatus of claim 9,
A brokerage system of the brokerage system or a brokerage system for carrying out a process of putting the unlisted stocks included in the account of the borrower into the account of the borrower when a situation in which the obligation of the borrower is not fulfilled meets a pre- .