KR20170133305A - Method for peer to peer secured loan finalcial technology service and system thereof - Google Patents

Abstract

The present invention relates to a method to provide a peer-to-peer (P2P) secured loan financial technology service comprises the following steps of a financial technology service device: performing a demand prediction research for a non-cash asset provided as a collateral through communication with a second information terminal based on secured loan application information received from a first information terminal, and using the secured loan application information and a demand prediction research result to perform a loan examination; receiving an investment through communication with a financial support server based on investment application information received from the second information terminal, and processing data and an electronic signal to execute a secured loan by securing the non-cash asset as a collateral; and transmitting information capable of joining in realization of the collateral to the second information terminal corresponding to priority investor information ensured through the demand prediction research to process data and an electronic signal to securitize the collateral when executing the realization of the collateral corresponding to the executed secured loan. Accordingly, a reasonable value is calculated when a non-cash asset, such as an unlisted stock, etc., not having an official price is secured during a P2P secured loan process, and realization of the collateral is able to be quickly advanced when the realization of the collateral is required.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a P2P mortgage finance technology service method,

The present invention relates to a P2P (Peer to Peer) mortgage financing technology service method and system, and more particularly, to a P2P mortgage finance technology service method and system thereof, , And a method and system for a mortgage loan financial technology service that realizes a collateralized mortgage loan if the borrower's mortgage loan execution requirement is satisfied after the P2P mortgage loan is executed based on the data collected in the demand forecasting survey.

Peer-to-Peer (P2P) loans are a new form of borrowing, in which a large number of investors (creditors), rather than banks or investors, lend money directly to individuals or corporations.

P2P loans can be saved online by all procedures, which can reduce recruitment costs and labor costs. Investors can earn higher profits than bank interest rates. Investment targets are easier than banks and borrowers with lower interest rates than gold The market is growing rapidly due to various advantages such as the possibility of being able to do so.

With the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting lenders and investors.

As such, P2P loans are more convenient than traditional financial transaction methods, offer lower interest rates to loan applicants, and provide relatively high returns to investors in low-interest environments. .

Generally, stocks listed on a securities company or other securities exchanges and tradable in the market are referred to as listed stocks. These listed stocks can be traded on the exchange only if the company satisfies certain conditions.

Stocks include listed stocks, as well as unlisted stocks. OTC stocks are stocks that are not listed on the stock exchange.

As the OTC market was originally a natural market, there was no regular organization and the trading method was not formalized. However, in many developed countries, the OTC market is being developed into a specific organizational market similar to the exchange market by institutionalizing the OTC market.

Listed stocks are invested in a variety of ways. For example, you can invest directly by looking at company information, buying and selling stocks, and how to join a fund operated by famous securities firms. In addition, brokerage firms make profits by using funds collected through funds.

However, unlisted stocks have the inconvenience of finding individual company information in order to buy and sell individual stocks, and there has been an inconvenience in dealing individually with stock owner owners for transactions.

It is difficult for investors to trust investors because they can not confirm the information or transaction performance of investors in order to entrust them to investors. As a result, investors have difficulty in securing investment amount.

Also, it is considered very risky to lend out the unlisted stocks as collateral. Because unlisted stocks are often unreliable, there are also constraints on liquidity.

Therefore, if the value of the collateral falls below the standard value after the collateralization of unlisted stocks as a collateral, the investor should be protected by cashing the collateral.

Lenders will stick to the conservative method of valuing values very low because of the characteristics associated with these unlisted stocks. In the end, the actual loan amount is very small if the borrower needs to borrow it as collateral.

Therefore, in the case of P2P mortgage loans, if non-cash assets such as unlisted stocks are collateralized, it is reasonable to calculate the fair value, and if the collateralization of the collateral is necessary, A new scheme is required.

The problem to be solved by the present invention is to provide a P2P secured loan based on the data collected in the demand forecast survey by conducting a demand forecast survey on collateral that is not officially priced such as unlisted stock at the time of P2P secured loan A method and system for a mortgage finance technology service in which a mortgage is realized when the mortgage loan execution requirement is satisfied.

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

According to an aspect of the present invention, in a P2P secured lending financial technology service method, a financial technology service device transmits a credit to a non-cash asset provided as collateral through communication with a second information terminal based on loan application information received from a first information terminal A demand forecasting survey is conducted, and a step of performing loan examination using the mortgage application information and the demand forecast investigation result is executed. Next, data for transferring the investment based on the investment application information received from the second information terminal through the communication with the financial support server by the financial technical service device, and executing the secured loan with the non-cash assets as collateral And performing processing of the electronic signal are executed. In the case of carrying out the realization of the collateralized mortgage, the financial technical service device transmits information that can participate in the realization of the collateral to the second information terminal corresponding to the preferred investor information secured through the demand forecast investigation Thereby performing processing of data and electronic signals for carrying out the cashing of the collateral.

According to another aspect of the present invention, there is provided a financial support server for processing data and electronic signals for financial transactions; And a financial technology service device are provided. Here, the financial technology service device can conduct a demand forecast investigation on non-cash assets provided as collateral through communication with the second information terminal based on the stock-secured lending application information received from the first information terminal. The financial technical service device can perform the loan review using the mortgage application information and the demand forecast result. The financial technical service device can deposit the investment based on the investment application information received from the second information terminal through the communication with the financial support server and execute the secured loan with the non-cash assets as collateral. The financial technical service device transmits information to the second information terminal corresponding to the preferred investor information secured through the demand forecasting investigation to participate in the realization of the collateral in case the realization of the collateralized mortgage is carried out, And to process the data and the electronic signal for executing the electronic signal.

According to the present invention, a demand forecast survey is conducted on collateral that has not been officially priced, such as unlisted stocks in case of P2P mortgage loan, and a P2P mortgage loan is executed based on the data collected in the demand forecast survey, The encashment of the collateral may be carried out if the requirements are met.

According to the present invention, when a non-cash asset such as unlisted stocks is secured as a collateral in a P2P secured loan, it is calculated as a reasonable value, and if the collateralization of the collateral is necessary, .

According to the present invention, by properly linking stock-secured loans, P2P (peer-to-peer) loans and crowdfunding through Internet-based technologies, a loan applicant can borrow his or her own stock as collateral , Investors who have invested money can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, since a loan interest rate is applied by a formula that is formulated according to the value of an investment or a collateral object, a reasonable loan may arise.

According to the present invention, it becomes possible to provide liquidity through precise value analysis of an off-market stock that has not been easily recognized as a value to be collateralized.

According to the present invention, unlisted out-of-stock securities can be secured as individual securities to secure stability for investors.

According to the present invention, it is possible to obtain higher securitization compared to existing financial institutions by receiving an appropriate reference price of collateral by the investment advisory group specialized in unlisted off-the-shelf stocks.

According to the present invention, since the interest rate of a loan is determined by a formula that is formulated, it is applied reasonably, and ultimately it can contribute to the activation of the off-market stock market.

According to the present invention, it is possible to secure investment by securing collateral of unlisted out-of-stocks by avoiding the framework of credit used in the conventional lending system.

According to the present invention, it is possible to prevent personal credit management from being reflected in the credit score.

According to the present invention, the P2P platform is used to connect unlisted stocks and investments to PinTech to connect investors (loan applicants) and individual borrowers (investors) .

1 is a view for explaining the concept of a P2P secured lending financial technology service according to an embodiment of the present invention.
2 is a diagram for explaining a P2P mortgage finance technology service system according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a P2P mortgage finance technology service method according to an embodiment of the present invention.
4 is a flowchart for explaining a loan review process in a P2P secured loan financial technology service method according to an embodiment of the present invention.
FIG. 5 is a flowchart for explaining a real-lot stock issue process in a P2P mortgage finance technology service method according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating an authentication process according to an embodiment of the present invention in a P2P secured lending financial technology service method.
FIG. 7 is a flowchart illustrating a secured goods receipt process in the P2P secured lending financial technology service method according to an embodiment of the present invention.
FIG. 8 is a view for explaining the process of cash-collateralization in the P2P secured lending financial technology service method according to an embodiment of the present invention.
FIG. 9 is a diagram for explaining a loan due date notification process in the P2P secured loan financial technology service method according to an embodiment of the present invention.
FIG. 10 is a view for explaining a process of returning a collateral item in the P2P secured lending financial technology service method according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

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

1 is a view for explaining the concept of a P2P mortgage-based financial technology service according to an embodiment of the present invention.

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

A P2P-based financial technology service company (1) has business partnerships with an investment adviser (2) that performs valuation of collateral and a partner financial institution (3) that performs interest and principal repayment procedures, (4) and investors (5) who want to invest their cash assets in a crowd-funded manner by using P2P loan method to perform P2P mortgage finance technology service. Here, investment advisers (2), affiliated financial institutions (3), loan applicants (4), and investors (5)

At this time, non-cash assets provided as collateral are not limited to personal property or real estate where authorized or official price information exists, and may be, for example, a personal property or real estate without official price information such as unlisted stocks. In the case of collateral that does not have such official price information, the P2P-based financial technology service company (1) conducts a demand forecast survey through the investor (5) and evaluates the value of the collateral , So that it is possible to determine whether or not the loan can be made.

In addition, the P2P mortgage finance technology service of the P2P-based financial technology service company (1) is a service that performs the demand forecasting survey that has been executed in advance when the demand forecast survey and the mortgage- To provide the investors with the information to participate in the realization of the collateral. The realization of the collateral may be carried out when the non-cash assets are collateralized and the collateralized realization requirements of the collateral are fulfilled after the collateral loan is executed. The encashment of collateral may be counterparty in the case of stocks.

The P2P mortgage finance technology service of the P2P-based financial technology service company (1) stores assets such as non-cash assets such as stock withdrawal certificates and borrows the borrowers with secured stock withdrawal certificates .

In other words, the P2P mortgage finance technology service of P2P-based financial technology service company (1) uses the non-cash assets as collateral, for example, in the case of stocks, The limitations of the collateral form, which restricts the disposal of shares only, can be improved.

In addition, the P2P mortgage finance technology service of the P2P-based financial technology service company (1) is performed by collecting the funds of the investor (5) who wants to invest the cash assets possessed by the crowd funding method and lend the loan to the lender.

To this end, the P2P-based financial technology service company (1) receives an application for loan from non-cash assets (eg, stocks as collateral) from the loan applicant (4). The stocks provided as collateral here may be shares held by the borrower (4) or may be shares held by a third party. The stocks provided as collateral may preferably be off-the-shelf stocks, but the present invention is not limited thereto and is possible if the stock can be withdrawn from the stock. Therefore, listed shares traded in the market may be provided as collateral.

 A P2P-based financial technology service company (1) can request an investment adviser (2) to request a collateral evaluation for assets other than cash provided by the loan applicant (4), for example, stocks. The investment adviser (2) can provide the P2P-based financial technology service company (1) by calculating the collateral value of the asset with the cash requested.

Meanwhile, a P2P-based financial technology service company (1) receives an investment application from an investor (5). The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited thereto and is possible if the investor can invest cash assets. So it can be a corporation, not an individual. Also preferably, the investor 5 may be a plurality of investors and may be a plurality of investors participating in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 invests the cash funds in a crowd-funded manner and is able to receive a return on investment such as interest income or equity interest.

The affiliated financial institution (3) can receive the investment money from the investor (5) who is approved by the P2P-based financial technology service company (1) for the investment application.

The affiliate financial institution 3 executes a loan to the loan applicant 4 who has been approved for loan by the P2P financial technology service company 1 and receives the interest and principal repayment procedures from the loan applicant 4 periodically or non- You can do it regularly.

In the same way, the affiliated financial institution (3) periodically or irregularly provides the investor (5) who has deposited the investment money with the same amount of the investment profit as the interest on the investment, and if the investment period expires, ).

2 is a diagram for explaining a P2P mortgage finance technology service system according to an embodiment of the present invention.

2, the financial technology service apparatus 100 in the P2P secured lending financial technology service system according to the embodiment of the present invention includes an advisory support server 200, a financial support server 300, The second information terminal 500, and the archive support server 600, and is configured to perform processing and communication of various data and electronic signals for the P2P secured loan financial technology service in cooperation with the information terminal 400, the second information terminal 500, and the archive support server 600.

The financial technology service apparatus 100 may include various data required for the P2P secured lending financial technology service of the P2P-based financial technology service company 1 and various processors for processing and communicating electronic signals.

To this end, the financial technology service device 100 stores the non-cash assets, such as stock certificates in the case of stocks, in a private safe, and executes the process of making a loan using the stock withdrawal certificate as collateral And a processor for performing processing and communication of various data and electronic signals required for proceeding.

In addition, the financial technology service apparatus 100 includes an investment adviser 2 who performs an evaluation of a collateral value for non-cash assets, a partner financial institution that performs interest and principal repayment procedures 3), and a processor for performing processing and communication of various data and electronic signals necessary for proceeding with the affiliate work.

In addition, when the financial technology service apparatus 100 executes the cash advancement of the collateral executed due to the demand forecast investigation and the collateral loan due to the absence of the official price information, And a processor for performing communication and processing of various data and electronic signals necessary for proceeding the cashing process of the collateral by providing information that can participate in cashing. The cash-in process of the collateral may be executed if the non-cash asset is collateralized and the collateralization requirements of the collateral are met after the collateral loan has been executed. The process of cashing the collateral may be subject to the reverse trading process in the case of stocks.

In addition, the financial technology service apparatus 100 may include a non-cash asset possessed by the investor 5, for example, a loan applicant 4 who desires to borrow stocks as collateral, and an investor 5 who wants to invest cash assets possessed by the crowdfunding scheme, And a processor for performing various data necessary for performing the P2P secured lending financial technical service and for processing and communicating the electronic signal by connecting the P2P lending financial technology service by the P2P lending method.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 400, the financial technology service apparatus 100 judges whether or not the loan can be made , And if it is determined that the loan can be made, the loan is delivered to the debtor through the affiliated financial institution 3 of the financial support server 300.

At this time, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 5 and to transfer the loan to the loan applicant 4 determined to be available for lending, The loan application information of the loan applicant 4 is disclosed to the investor, and the investment money corresponding to the loan application information is transmitted to the loan applicant 4. However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

The advisory support server 200 calculates the collateral value for the non-cash assets requested to be evaluated in the investment adviser 2, for example, the stock collateral, and provides various data for providing to the P2P-based financial technology service company 1 And various processors for performing processing and communication of electronic signals.

The advisory support server 200 can be used for various types of out-of-stock stocks, for example, in the case of a company with a negative net profit, a slope of the sales growth rate or a direct company visit, It is possible to generate quantitative and qualitative value measurement data by measuring sexual value.

The advisory support server 200 can calculate the bankruptcy probability of the corresponding company through the various scenario approaches, using the correlation between the debt ratio and the default rate as the accumulated unlisted stocks data.

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

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And a processor for performing communication.

The financial support server 300 also executes a loan to the loan applicant 4 whose affiliated financial institution 3 has been approved for loan by the P2P based financial technology service company 1 and receives interest from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the principal repayment procedure.

Also, the financial support server 300 periodically or irregularly executes interest on the investment money to the investor 5 to which the affiliated financial institution 3 deposits the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal.

The operations of the financial service apparatus 100, the advisory support server 200, and the financial support server 300 will be described below.

The financial technology service apparatus 100 may receive the mortgage loan application information for applying for a loan from the first information terminal 400 with a non-cash asset, for example, a stock as a collateral.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and provides screen information for receiving the mortgage application information from the first information terminal 400 to the first information terminal 400 can do.

The financial technology service apparatus 100 transmits the collateral evaluation request information to the advisory support server 200 for the non-cash asset, for example, the stock, provided as collateral. To this end, the financial technology service apparatus 110 generates the collateral evaluation request information based on the secured loan application information input from the first information terminal 400.

Here, non-cash assets that are collateralized, for example, stocks may be stocks held by the borrower (4), or may be shares held by a third party. The stock to be pledged may preferably be an off-market stock, but the present invention is not limited thereto, and listed stock traded on the market may be pledged as collateral.

The financial technology service apparatus 100 receives an investment application signal from the second information terminal 500. To this end, the financial technology service apparatus 100 communicates with the second information terminal 500 and provides screen information for receiving investment application information from the second information terminal 500 to the second information terminal 500 .

The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party.

For example, if the non-cash asset is a stock, there may be a stock purchase loan and a equity loan. There are two types of loan repayment schemes: principal repayment maturity repayment method, principal repayment method and monthly interest payment method.

The advisory support server 200 receives the non-cash asset collateral evaluation request signal, for example, the stock collateral evaluation request signal from the financial technical service apparatus 100, performs evaluation on the stock collateral, To the device (100).

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

When the non-cash assets are unlisted stocks, the advisory support server 200 executes various scenario accessing processes for unlisted stocks to generate the bankruptcy probability information of the corresponding companies.

The advisory support server 200 may generate the risk management information for the requested out-of-stock market. Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 and receiving the investment money.

The financial support server 300 performs a loan progress process for the lender who has been approved for loan by the financial technology service apparatus 100 and performs a process for depositing the loan to the deposit account designated by the lender of the loan. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 and transmits the deposit account information included in the secured loan application information received from the first information terminal 400 And stores it. The financial support server 300 also communicates with the first information terminal 400 of the lender of interest 4 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 conducts a financial transaction process in which the investor 5 depositing the investment money deposits the interest into the designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the investment application information received from the second information terminal 500 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process in which the investment money is returned to the investor 5 account when the investment period expires.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 via a communication network, Respectively.

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

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 by the loan applicant 4 and the investor 5 Lt; RTI ID = 0.0 > and / or < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. Such a communication network transmits signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 .

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 through a communication network and use various financial transaction services Lt; RTI ID = 0.0 > wired / wireless < / RTI >

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, a Palm PC, a smart phone, A financial support service server 400, a storage support server (not shown) such as a mobile game terminal, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, 600, or any other wired / wireless home appliances / communication devices having a user interface for connecting to the Internet.

Particularly, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone is not limited to a general mobile phone (a feature phone) Application As a phone based on an open operating system that can be freely used and deleted by downloading the program, it is possible to use not only general voice / video call, Internet data communication, but also all mobile phones Or a communication device that does not have a voice call function but includes all Internet phones or Tablet PCs that can access the Internet.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

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

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

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

The wireless network communication module is a general term for a communication configuration for connecting wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

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

The short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

The storage support server 600 communicates with the first information terminal 400 and the financial technology service apparatus 100 to receive a collateral for stocks in the case of stocks that can be stored in assets other than cash Request, and exclusive safe physical goods receipt process.

The storage support server 600 transmits the information on the receipt of the private safe to the financial technology service apparatus 100 when the non-cash asset, for example, the stock real object, is completely inserted into the private safe. The completion information of the exclusive safe can include the identification information of the exclusive safe, the authentication photograph of the exclusive safe, and the receipt completion confirmation information.

The archive support server 600 can provide the information on the arrival of the exclusive safe for the first information terminal 400 or the financial technology service apparatus 100. [

The storage support server 600 periodically checks the storage status of stocks in the private safe and provides the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 .

FIG. 3 is a flowchart illustrating a P2P mortgage finance technology service method according to an embodiment of the present invention. Here, the case where the non-cash asset is a stock is described, but the present invention is not limited thereto.

Referring to FIG. 3, the financial technology service device 100 receives the stock loan application information from the first information terminal 400 (S10).

The information on the equity loan application may include the name of the stock, the number of shares, the desired amount of the loan, the deposit account number, the name, the telephone number, the e-mail address,

Here, the collateral evaluation grade may include the stock investment trustworthiness rating of the lender who is calculated and given by the collateral evaluation process of the financial technology service device 100. [ The stock investment credibility rating is calculated by dividing the first evaluation grade based on the absolute profit based on the return on the stock information of the applicant of the loan and the second evaluation grade based on the relative profit based on the first evaluation grade, And may include a third evaluation grade calculated based on the evaluation ratings.

The financial technology service apparatus 100 performs a loan review process based on the stock-secured loan application information received from the first information terminal 400 (S20).

The loan review process may include loan demand forecasts. Demand forecasting for loan demand forecasting The investment possible fund aggregation process using P2P platform can be executed. According to the demand forecast result, the lendable notification message or the lending disabled notification message may be transmitted to the first information terminal 400. [

The financial technology service apparatus 100 can generate demand forecast request information for aggregating investment available funds to be invested in stock-secured loans using the demand forecast P2P platform.

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

The financial technical service apparatus 100 judges whether or not the collection amount is satisfied based on the demand forecast result information, and when the collection amount is satisfied according to the determination result, the financial technical service apparatus 100 transmits a lending possibility notification message to the first information terminal 400 And transmits a non-lending notification message to the first information terminal 400 when the amount of the loan is not sufficient.

Meanwhile, the financial technology service apparatus 100 stores the demand forecast result information received from the second information terminal 500. The stored demand forecast result information can be used to perform the cashing of the collateral.

The first information terminal 400 accesses the integrated securities information network and performs a stock-realization process (S30).

For the real goods issue process, the first information terminal 400 may access the integrated securities network, select securities, and apply for physical delivery. The first information terminal 400 designates the actual shipment quantity selection information and the actual shipment date to complete the actual shipment request. Accordingly, the real goods issue can be executed.

The financial technology service apparatus 100 receives the stocks object submission completion message from the first information terminal 400 (S40). To this end, the first information terminal 400 may receive an input signal for confirming the completion of the submission of the stocks from the loan applicant. Here, the stocks can be, for example, stock withdrawal certificates. The stock withdrawal certificate may be a registered or non-registered bond.

The financial technology service device 100 performs a security feasibility certification process on the real stocks (S50).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to issue a security assurance certificate, and the financial technology service apparatus 100 transmits a security assurance evaluation Lt; / RTI >

The financial technology service apparatus 100 receives the assurance-enabling evaluation determination information on the real object from the financial support server 300 and determines whether collateral is possible or not. If it is determined that the security can be secured, the creditable notification message is transmitted to the first information terminal 400. If it is determined that the security is impossible, the credit unavailable notification message is transmitted to the first information terminal 400. [

The financial technology service apparatus 100 performs a collateral item receipt process for the real object (S60).

For this, a collateral object acceptance, a repurchase condition contract, and a private safes object receipt procedure are performed through communication with the first information terminal 400, the financial technology service device 100, and the archive support server 600.

The financial technology service apparatus 100 performs the process of depositing the investment money and paying out the loan, the interest payment, and the investment profit payment process (S70).

To this end, the financial technology service apparatus 100 performs an investment deposit, a loan payment, an interest payment, and an investment profit payment process through a financial service performed in the affiliated financial institution 3 through communication with the financial support server 300 .

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And performs communication.

In addition, the financial support server 300 executes a loan by making a loan to the loan applicant 4 whose affiliate financial institution 3 has received the loan approval by the P2P-based financial technology service company 1, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

Also, the financial support server 300 periodically or irregularly provides the investor 5, who has made a deposit with the affiliated financial institution 3, the investment profit such as interest on the investment money.

In addition, the financial technology service device 100 communicates with the archive support server 600 to perform stock physical asset management and risk management (S80). Here, the risk management process can include the process of cashing the collateral.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the storage status information on the stocks actually received from the storage support server 600 in the private safe.

On the other hand, the financial technology service apparatus 100 may periodically or occasionally request exclusive safes identification information, an authenticity of goods receipt confirmation photograph, and receipt completion confirmation information to the storage support server 600 when the stock of the real object of the stock is completed in the private safe . To this end, the financial support service apparatus 100 may receive the information on the completion of the in-car safes in the private security safeguard server 600.

Also, the financial technical service apparatus 100 periodically or irregularly evaluates the collateral value of the collateral object when the stock of the real object is completed in the private safe, and when the collateral value is decreased, the first information terminal 300 ) To send a deposit further deposit message. In addition, if the security value service device 100 continues to receive a collateral value decrease even though the security deposit is not transferred despite the transfer of the security deposit additional deposit message, the risk management process . The process of cashing the collateral in this way is called the collateralization process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

The financial technology service apparatus 100 can perform the loan expiration processing process when the expiration of the loan expires (S90).

To this end, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 when the expiration date of the loan expires, and if it is determined that the expiration date of the loan expires, Process, process of transferring rights to the secured property, and proceed with the process of signing the secured asset.

On the other hand, the financial technology service apparatus 100 can perform the process of returning the secured object once the repayment of the loan is completed (S100).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to return the secured object, and performs a shipment process of the exclusive safe through the request for the shipment of the exclusive safe, Complete the return.

4 is a flowchart for explaining a loan review process in a P2P secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 4, demand forecasting request information is generated in order to aggregate investment available funds to be invested in stock-secured loans using the demand forecast P2P platform (S21).

Here, the demand forecast request information may be generated based on the mortgage loan application information for applying for a loan with the stocks received and stored from the first information terminal 400 as a security.

In addition, the investment allowable amount count check information includes information on the evaluation result data on the stock collateral received from the advisory support server 200, the collateral value estimation result information, the bankruptcy probability information of the company, and the risk management information . ≪ / RTI >

The evaluation result data on the stock collateral is generated by the advisory support server 200 after receiving the stock collateral evaluation request signal from the financial technical service apparatus 100 to evaluate the stock collateral, . ≪ / RTI >

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

The bankruptcy probability information of the corporation is generated by the advisory support server 200 executing various scenario access processes for unlisted stocks.

Risk management information is generated for the over-the-counter stock requested at the advisory support server 200. [ Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

Accordingly, the financial technology service apparatus 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 500 (S22).

Demand forecasting information may include investment participation check information to explore whether or not an investor is willing to participate in the investment for the equity lending. In addition, the demand prediction request information may include a checklist of participating in the cash-on-demand to check whether the participant is willing to participate in the purchase of the collateral when executing the cash-on-collateralization. In addition, the demand forecast request information includes information on the demand for mortgage application for demand prediction, evaluation result data on stock collateral, information on mortgage value estimation result, probability of bankruptcy of the enterprise, Risk management information, or offer amount information.

Thereafter, the financial technology service apparatus 100 receives the demand forecast result information from the second information terminal 500 (S23).

The demand forecast result information may include investor information, information on the results of the investment participation check, information on the results of the check on participating in the realization of the collateralization, and investment fund information. Here, the investor information may include the investor's contact information. The contact information may include e-mail, telephone number, SNS account information, preferred stock information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The result of the participating check-in-cash check may include information indicating whether the collateral is willing to buy the collateral upon execution of the collateralized cash advance. The result of the participating check-in checkout of the security may include information indicating whether there is an intention to be notified prior to the execution of the checkout cash advance. The result of the check for participating in the mortgage cashing check may include the price information, quantity information, and purchase condition information of the collateral with the buyer.

The investment fund information may include the amount of the investment fund, the investment period, and the investment type information. Information on investment type can include interest income investment, equity participation investment, interest income and equity participation investment. The financial technology service apparatus 100 stores demand forecast result information.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S24). In step S25, the financial technology service apparatus 100 transmits a creditable notification message to the first information terminal 400 when the amount of money to be offered is satisfied, according to the determination result.

Meanwhile, if the collection amount is not satisfied according to the determination result, the financial technology service apparatus 100 transmits a non-rental notification message to the first information terminal 400 (S26).

FIG. 5 is a flowchart for explaining a real-lot stock issue process in a P2P mortgage finance technology service method according to an embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 accesses the integrated securities information network (S31). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can be connected to the integrated securities network. Accordingly, the first information terminal 400 can select the menu displayed on the screen information provided by the financial technology service apparatus 100 and access the integrated securities information network.

The first information terminal 400 accesses the integrated securities network and transmits the securities selection information to the financial technology service apparatus 100 (S32). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select a securities menu. Therefore, the first information terminal 400 can select the securities menu from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the goods issue request information to the financial technology service apparatus 100 (S33). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select a menu for requesting a physical shipment. Accordingly, the first information terminal 400 can access the securities menu and then select the menu for requesting the real goods issue from the menu screen. The first information terminal 400 can select to request the real goods issue from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the actual delivery number selection information, the actual delivery date designation information, and the actual delivery application completion information to the financial technology service device 100 (S34, S35, S36). To this end, the financial technology service apparatus 100 may provide screen information to the first information terminal 400 so that the first information terminal 400 can select the actual shipment quantity and the shipment date menu. Accordingly, the first information terminal 400 accesses the physical goods issue application menu provided by the financial technology service apparatus 100, and then selects the real physical quantity from the menu screen (S34), designates the real physical date S35), and completes the actual shipment application (S36). Thus, the actual shipment is executed.

FIG. 6 is a flowchart illustrating an authentication process according to an embodiment of the present invention in a P2P secured lending financial technology service method.

Referring to FIG. 6, the first information terminal 400 transmits the collateral availability authentication request information to the financial technology service apparatus 100 (S51). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the authentication of the security information. Accordingly, the first information terminal 400 can complete the security availability authentication request from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The financial technology service apparatus 100 transmits the collateral availability evaluation request information for the stocks issued to the financial support server 300 (S52)

The collateralizable evaluation request information is request information inquiring whether the real object of the stock is collateralizable. The assurance-possible evaluation request information may be transmitted to the financial support server 300 by the financial technology service device 100, but the present invention is not limited thereto. The assurance availability request information may be transmitted directly to the sovereign authentication financial institution server handling the corresponding securities without passing through the financial support server 300 in the financial technology service apparatus 100. [

The financial technology service apparatus 100 receives the assurance-enabling evaluation determination information on the stocks issued from the financial support server 300 (S53). In another embodiment of the present invention, the assurance-enabling evaluation request information may be transmitted to the financial technology service apparatus 100 directly from the sovereign authentication financial institution server handling the corresponding securities without passing through the financial support server 300 .

The financial technology service apparatus 100 determines whether it is possible to provide a collateral for executing the secured loan against the stocks issued from the collateralizable evaluation decision information on the real object (S54). If it is determined that the security can be secured, the notification message is transmitted to the first information terminal 400 (S55).

If it is determined in step S54 that collateral can not be secured from the collateralizable evaluation determination information on the real object of the stock, the financial technology service device 100 transmits a non-delivery notification message to the first information terminal 400 (S56).

FIG. 7 is a flowchart illustrating a secured goods receipt process in the P2P secured lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits the collateral object reception request information to the financial technology service apparatus 100 (S61). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the acceptance of the collateral for the stocked goods from which the first information terminal 400 has been shipped. Accordingly, the first information terminal 400 can complete the acceptance of the collateral item for the stock real thing shipped from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The first information terminal 400 transmits the repurchase condition contract completion information to the financial technology service device 100 (S62). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the re-sale condition contract completion information. Accordingly, the first information terminal 400 can transmit the re-sale condition contract completion information from the menu displayed on the screen information provided by the financial technology service device 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include redemption condition agreement information and contract agreement agreement confirmation information. In this case, the conditions for repurchase are that if the requested procedure such as interest payment established for the loan is not followed after the loan is made as collateral for the issued stock or if the value of the relevant stock falls below the collateral price, And may include redemption conditions for collateral stocks to dispose of and distribute the risk factors of the investor.

The first information terminal 400 transmits the exclusive safe deposit article receipt completion information on the shipped stock to the financial technology service apparatus 100 (S63). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit the information on the receipt of the exclusive safe. Accordingly, the first information terminal 400 can transmit the exclusive safe deposit item receipt completion information from the menu displayed on the screen information provided by the financial technology service apparatus 100. [ Here, the screen information provided by the financial technology service apparatus 100 may include screen information for inputting exclusive safe identification information, a dedicated safe deposit stock photograph, and receipt completion confirmation information. Accordingly, the first information terminal 400 uploads the private safe identification information, the authenticating image of wearing the private safe, and the confirmation of the goods receipt completion from the menu displayed on the screen information provided by the financial technology service apparatus 100, And transmits the completion information to the financial technology service apparatus 100. The completion of the receipt of the exclusive safe sent from the first information terminal 400 to the financial technology service apparatus 100 can be transmitted from the archive support server 600 to the financial technology service apparatus 100. [ In other words, the financial technology service apparatus 100 may receive the exclusive safe identification information, the authentication image for wearing the exclusive safe, and the receipt completion confirmation information from the archive support server 600.

FIG. 8 is a view for explaining the process of cash-collateralization in the P2P secured lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 8, when the financial technology service apparatus 100 approached or fulfilled the requirement for realizing the collateralization of the collateral against the collateral, the financial technology service apparatus 100 transmits the collateral execution notification message of the collateral including the maintenance margin payment guide for maintaining the collateral, To the information terminal 400 (S81). Basically, the requirement to carry out the realization of the collateral may include the value of the collateral falling below the collateral retention line.

If the financial technical service apparatus 100 determines that the maintenance margin is in an unpaid state such that a predetermined date has elapsed (S82), the financial technical service apparatus 100 starts the cash-back process of the collateral.

The financial technology service apparatus 100 transmits guidance information that can participate in the cashing of the collateral to the second information terminal 500 corresponding to the preferred investor information secured through the demand forecasting survey in operation S83.

First, investor information can be obtained from the demand forecast result information secured at the time of demand forecast investigation. The demand forecast result information includes investor information, investment participant check result information, collateral check participant check result information, and investment fund information.

Investor information may include investor contact information. The contact information may include e-mail, telephone number, SNS account information, preferred stock information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information. Accordingly, the financial technology service device 100 can transmit information to the second information terminal 500, which can participate in the realization of the collateral, on the basis of the contact information of the preferred investors based on the checking result of the collateralized participation in the collateral. Participating in the encashment of the collateral here means buying the collateral.

The result of the checklist of participating in the collateralization check is information indicating whether the collateral is willing to buy the collateral at the time the collateral is executed, information indicating whether the collateral is to be notified prior to execution of the cash collateral, The price information of the collateral, the quantity information, and the purchase condition information.

The financial technology service apparatus 100 first receives the participation request information from the second information terminal 500 of the investor in the cashing of the collateral (S84).

Participation request information may include information to inform the buyer of the collateral when the collateral is executed, the price information of the collateral with the buyer, quantity information, and purchase condition information.

The financial technology service apparatus 100 first proceeds with the selling process for the collateral based on the participation request information received from the second information terminal 500 of the investor (S85). The proceeds of the selling process can be appropriately used and used in the process of cashing various collateral. Once the selling process is completed and the collateral is liquidated, the remaining balance is returned to the lender, except for the amount that should be returned to the investor.

FIG. 9 is a diagram for explaining a loan due date notification process in the P2P secured loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 9, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 (S91) when the loan expires.

If it is determined that the expiration date of the loan expires, the financial technology service apparatus 100 proceeds with the transfer of the name (S92). To this end, the financial technology service apparatus 100 transmits a name transfer request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds with the rights acquisition process for the secured object when the name transfer process for the secured object is completed (S93). To this end, the financial technology service device 100 may transmit a rights pumping request signal to the financial support server 300. [

The financial technology service apparatus 100 proceeds with the selling process for the secured object when the rights acquisition process for the secured object is completed (S94). Whereby the financial technology service apparatus 100 completes the sale of the collateralized object.

FIG. 10 is a view for explaining a process of returning a collateral item in the P2P secured lending financial technology service method according to an embodiment of the present invention.

Referring to FIG. 10, the first information terminal 400 transmits a security object return processing request to the financial technology service device 100 (S101). Accordingly, the financial technology service device 100 transmits the exclusive safe deposit information to the storage support server 600 (S102). Accordingly, the archive support server 600 performs a delivery process for the corresponding private safe. The first information terminal 400 transmits the secured object authentication confirmation information to the financial technology service apparatus 100 (S103). The financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to transmit the collateral object authentication confirmation information. Accordingly, the first information terminal 400 can transmit the collateral object authentication confirmation information from the menu displayed on the screen information provided by the financial technology service device 100. Upon receipt of the security object authentication confirmation information from the first information terminal 400, the financial technology service device 100 performs the security object return completion processing (S104)

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

For example, in the embodiment of the present invention, a P2P mortgage finance technology service method in which stocks such as a stock withdrawal certificate are kept and a stock withdrawal certificate is held as a collateral for a lender to be borrowed is described in detail .

In addition, in establishing the equity collateral, it is necessary to improve the marginality of the collateral form, which restricts the disposal of stocks only on a computer basis, rather than using stocks through the withdrawal procedure of stocks, and invests the cash assets that are held by crowdfunding We explained how to collect the funds of the investors who want to make a loan to the lender.

However, in an embodiment of the present invention, the description of common procedures of stock-backed loan, P2P loan, crowd funding, and processing of data and electronic signals for performing the procedures may be omitted. As a result, the P2P secured loan financial technology service of the present invention can be applied to the P2P secured loan technology service of the present invention even if it is not described in detail because it can be variously selected and implemented by ordinary procedures and data and electronic signal processing. It can be seen that various methods can be implemented.

In addition, in an embodiment of the present invention, the information on the application of the stock mortgage includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation rating, And the second evaluation class based on the relative profit, which is calculated by linking the first evaluation class to the first evaluation class and the fluctuation rate of the market information.

Accordingly, in another embodiment of the present invention, a P2P mortgage finance technology service method can be performed by applying stock investment reliability evaluation based on stock investment performance. In other words, based on the absolute profit-based investment performance based on the stock trading information of the evaluator, such as the investor who specializes in off-shore stocks, and the relative profit-based investment performance calculated by associating the composite index, , It is possible to calculate P2P mortgage financing technology service based on the determination of the financial transaction limit at the time of stock-backed loan or investment attraction by calculating the evaluation grade for evaluating the stock investment reliability of the target person.

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

The financial technology service device can collect stock market information and stock market information through the stock trading and market information collection department. Based on the absolute profit-based investment performance calculated based on the stock trading information of the subject to be evaluated through the evaluation level calculation section and the investment performance based on the relative profit calculated by associating the composite index, the index of each business type, The rating scale for evaluating the stock investment reliability of the subject can be calculated. The evaluation level of the evaluation subject can be provided to the information terminal together with the identification information of the evaluation subject through the evaluation rating provider. The limit of financial transactions can be determined based on the rating level through the financial transaction limit decision section.

Here, the evaluation rating calculator can calculate the evaluation grade for determining the financial transaction limit of the person to be evaluated. The evaluation level can be calculated by taking into consideration the absolute profit-based investment performance and the relative profit-based investment performance.

The absolute return-based investment performance can be calculated based on the stock trading information of the subject. Here, it can be calculated as the first evaluation rating. Investment performance based on relative profit is calculated by associating composite index, industry index, sales basis, and similar company information. Here, it can be calculated as the second evaluation grade.

The Evaluation Division Calculator divides the items of the evaluation subject by the OTC market, KOSPI, KOSDAQ, and Conex by composite index, index by industry, sales, and similar companies.

For example, the rating rating calculator can extract companies in the range of -50% to 200% of the companies that are classified as businesses based on sales.

For example, the evaluation rating calculator can extract companies with the same or similar products as the evaluation target companies, which are more than 40% of the total sales, as extraction criteria of similar companies.

The evaluation division can calculate the investment performance based on the relative profit by associating the change ratio with the warehouse and warehouse period while setting the reflection ratio for each of the composite index, industry index, sales and similar companies.

The evaluation class calculating section may include a first evaluation class calculating section, a second evaluation class calculating section, an application ratio calculating section, and a third evaluation class calculating section.

The first rating rating calculator can calculate the first rating rating of the person to be evaluated. The first rating can be calculated by measuring the first investment performance according to the trading profit of the subject to be evaluated. The first investment performance means the investment performance based on the trading profit of each stock based on the stock trading information of the subject to be evaluated.

And the second evaluation rating calculator may calculate the second evaluation rating of the person to be evaluated. The second rating can be calculated by measuring the second investment performance of the person to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the composite performance index, industry index, sales value, and investment performance of similar companies.

The application rate calculator can calculate the third application rate to be used to determine the financial transaction limit of the person to be evaluated. The third application rate can be calculated based on the first application rate corresponding to the first rating level and the second application rate corresponding to the second rating rating.

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

The third rating rating calculator can calculate the third rating rating of the person to be evaluated. The third rating is a rating determined to determine the financial transaction limit of the person to be assessed. The third rating may be determined in consideration of the first rating and the second rating.

The evaluation-grade providing unit can provide the evaluation level of the evaluation subject to the information terminal together with the identification information of the evaluation subject.

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

The value of collateral value determinants can be determined by calculating the collateral value of an arbitrary stock. The Mortgage Limit Determination Department may determine the allowable limit of the Mortgage Transaction to the person to be assessed. Here, the collateral limit can be determined by reflecting the third application rate of the evaluator to the collateral value of the calculated stock. In other words, the collateral limit is the collateral limit reflecting the investment performance. The Investment Management Limit Determination Department may determine the limit on the amount of investment allowed to be assessed. The limit of investment attraction can be determined by reflecting the third application rate of the person to be evaluated.

The loan application limit decision department can determine the allowable loan application limit for the assessor. The loan application limit can be determined by reflecting the third application rate of the person to be evaluated.

Accordingly, in the method of P2P mortgage financing technology service according to another embodiment of the present invention, a loan limit is set for a borrower who desires to borrow an out-of-stock stock using a stock investment reliability evaluation method based on stock investment performance Based on this, P2P mortgage finance technology service can be performed.

Here, it is desirable that the applicant wishes to have a history of trading off-the-shelf stocks in the past. In the P2P mortgage financial technology service, the stock investment reliability evaluation based on the stock investment performance is performed to calculate a formal loan limit that evaluates the stock investment reliability of the subject to be evaluated based on past investment performance This is possible.

For example, a borrower who wishes to securitize highly privately held stocks as collateral can draw a high degree of securitization based on the stock investment credibility of the borrower.

Compared with what is called the standardized loan limit calculation method by the loan limit calculation method based on the stock investment reliability evaluation method based on the stock investment performance, the calculation method of the loan limit of the informal type is based on the intrinsic value of the non- The value can be calculated.

For example, if a unlisted stock of A shares can be loaned with a 30% to 50% mortgage rate, the mortgage rate at a 30% to 50% mortgage rate through an informal method (credit rating, Can be estimated.

However, even if the method of calculating the loan ceiling (credit rating, past transaction history, etc.) of the informal scheme is applied, the loan price is calculated to be closer to 30% than the actual 50%. This is due to the risk of unlisted stocks.

Therefore, in the P2P secured loan financial technology service method according to the embodiment of the present invention, by performing the stock investment reliability evaluation based on the stock investment performance, the non-standardized method (credit rating, By using the standardized method of evaluating the stock investment reliability of the subject to be assessed by combining the profit based investment performance and the investment performance based on the relative profit, it is possible to make an additional loan limit to the lender.

At this time, the additional loan portion can be calculated based on the transaction history. Therefore, the applicant for the loan should have a history of selling and selling unlisted stocks in the past. If the applicant wishes to buy or sell past B stock, he / she should submit a record of receipt or shipment to the Internal Revenue Service. This is because the National Tax Service needs this record for the purposes of identifying the securities transaction tax and the transfer tax. In addition, these records will remain even if the securities company transfers or pays them to others.

Therefore, the financial service device for P2P mortgage lending financial technology service grasps the past absolute return of the borrower through the goods receipt / receipt records and transaction history of the securities company submitted to the Internal Revenue Service and compares the B index , It is possible to classify professional investors (borrowers) by automatically grasping the additional loan.

For this purpose, the financial service apparatus according to an embodiment of the present invention calculates an evaluation rating based on the absolute profit and the relative profit of a professional investor who desires a loan in the loan limit calculation method for stock investment reliability evaluation based on stock investment performance .

The history of trades conducted by professional investors who wish to lend can be used to gauge the success of investment and the probability of future investment success. And the more data there is, the more reliable the rating will be. This part represents an absolute return-based investment performance.

However, if the investment performance based on the absolute profit is reflected and the investment performance based on the relative profit is reflected, the meaning of stock investment reliability evaluation is properly implemented in the P2P mortgage finance technology service method, and the additional loan amount of the professional investor .

Claims (10)

Receiving, by the financial technical service device, the mortgage loan application information from the first information terminal and proceeding to the second information terminal with a demand forecast survey on the assets other than cash provided as collateral based on the received mortgage loan application information;
Performing the loan examination using the mortgage application information and the demand forecast investigation result according to the demand forecast survey;
The financial technical service device receives data on the basis of the investment application information received from the second information terminal through communication with the financial support server and receives the data for executing the secured loan with the non-cash assets as collateral, Performing processing of the electronic signal; And
When the financial technical service apparatus executes the cashing of the collateral for which the collateral loan is executed, transmits to the second information terminal corresponding to the preferred investor information secured through the demand forecast investigation information capable of participating in the cash collateralization, And performing the processing of the data and the electronic signal to perform the cashing of the P2P mortgage finance technology service method.
The method of claim 1, wherein the performing the loan review comprises:
Generating demand prediction request information for aggregating investment available funds to be invested in equity-linked lending using the demand forecast P2P platform, and transmitting the demand forecast request information to the second information terminal;
Receiving demand prediction result information from the second information terminal; And
And transmitting the notification message to the first information terminal when the collection amount is satisfied according to the demand forecast result information and transmitting the notification message to the first information terminal if the collection amount is not satisfied, Mortgage lending financial technology service method.
3. The method of claim 2,
Wherein the demand prediction request information includes investment participation check information for checking whether the participant intends to participate in the investment for the equity lending loan.
3. The method of claim 2,
Wherein the demand prediction request information includes security check participation participation information for checking whether the participant is willing to participate in the purchase of the collateral when executing the cashing of the collateral.
3. The method of claim 2,
Wherein the demand forecast result information includes at least one of investor information, investment participation check result information, information on a result of checking for participating in a collateralized cash deposit, and investment fund information.
6. The method of claim 5,
The result of the checklist of participating in the collateralization check is the information indicating whether the collateral is willing to buy the collateral at the time the collateral is executed, the information indicating whether the collateral will be preferentially notified when the collateral is executed, A method of P2P mortgage finance technology service including at least one of price information of a collateral, quantity information, and purchase condition information.
7. The method according to any one of claims 1 to 6,
The stock-loan application information includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation level,
The stock investment trustworthiness rating is calculated based on the absolute rating of the first rating grade, which is calculated by reflecting the profit rate of the lender of the lender, based on the stock market information of the lender of the lender, 2 A method of P2P mortgage financing technology service, which is an evaluation rating calculated by combining evaluation ratings.
The method according to claim 1,
Wherein performing the processing of data and electronic signals to effectuate the cashing of the collateral comprises:
Wherein the realization of the security of the collateral is executed when the cash collateral requirement of the collateral is satisfied after the non-cash asset is collateralized and the collateral loan is executed.
The method according to claim 1,
The non-cash asset is a non cash asset that can be determined by the demand forecasting survey because there is no official price information.
A financial support server for processing data and electronic signals for financial transactions; And
The method comprising the steps of: conducting a demand forecast survey on assets other than cash provided as collateral through communication with the second information terminal based on the stock-backed loan application information received from the first information terminal; And receives money on the basis of the investment application information received from the second information terminal through the communication with the financial support server and executes the secured loan with the non-cash assets as collateral , And when cashing of the collateral executed by the secured loan is executed, information that can participate in the cashing of the collateral is transmitted to the second information terminal corresponding to the preferred investor information secured through the demand forecasting investigation to execute the cashing of the collateral P2P mortgage financing including financial technical service devices that perform processing of data and electronic signals for Technical service system.

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