KR20170137676A - Method, server and computer program for providing crowd fund - Google Patents

Abstract

The present invention provides a crowd fund providing method, a server for the same, and a computer program thereof. According to an embodiment of the present invention, the crowd funding server includes: a loan approval determining unit which determines whether to approve a loan for a borrower based on one or more of the loan information applications received from the borrower terminal, the credit information inquiry result, and business inspection information; a fund information disclosing unit setting a fund for arranging the loan amount applied by the borrower when the loan is approved and disclosing investment information regarding the fund; a subscription information management unit which determines whether the funding for the loan amount is completed or not based on the subscription information regarding the fund received from investor terminals; a loan providing unit which pays the loan amount applied by the borrower when the funding for the loan amount is completed; a loan payment output unit which takes out the loan payment amount when the payment for the loan in accordance with the business activity of the borrower is received from a card company server; and an investment principal and interest payment unit which pays the investors funding the fund with the interest corresponding to the funding amount as well as the funding amount from the loan payment output in advance.

Description

METHOD, SERVER AND COMPUTER PROGRAM FOR PROVIDING CROWD FUND,

The present invention relates to a method, a server, and a computer program for providing a crowned fund, and more particularly, to a fund providing a loan to a small business owner as a collateral.

Small business owners refer to small businesses (usually employing less than five permanent workers) or small self-employed people who have a commercial sector.

Unemployment has been increasing in recent years due to the global economic slowdown, and this increase in unemployment has led to the start-up of small self-employment.

In addition, there is difficulty in financing necessary for operating a business even if it is founded. For example, small-cap stocks with insufficient collateral or low credit ratings often fail to meet the loan qualification requirements offered by financial institutions, and eventually they will inevitably fund the quasi-bank, including the bond market, which requires high interest rates.

As a result, many small business owners are financed from the bond market and not only incur high interest costs but also lose their focus on funding activities rather than their original activities, resulting in a decline in business concentration, There is a problem that the market grows abnormally.

SUMMARY OF THE INVENTION The present invention has been made to solve the problems of the prior art described above, and it is intended to provide a way for small-scale small business owners to overcome the difficulties of funding from the financial sector and to support the fund necessary for the business at a relatively low interest rate.

In addition, we would like to provide a way to realize a higher interest rate on the floating funds that can not find a suitable investment destination due to the low market interest rate and to make relatively stable investment.

To achieve the above object, a server for providing a crowdfund according to an embodiment of the present invention includes a credit fund management server for managing a loan fund based on at least one of loan application information, credit information inquiry result, A fund information inserting unit for setting a fund for arranging the loan amount requested by the borrower and posting investment information on the fund when the loan is approved; A subscription information management unit for judging whether or not the funding of the fund amount of the loan amount has been completed based on the subscription information on the fund, and when the funding for the amount of the loan is completed, a loan fund to pay the loan amount requested by the tenant And a card sales amount corresponding to the borrower's business activity is paid from the credit card company server An investment principal payment unit for paying out the interest corresponding to the funding amount and the funding amount from the loan repayment withdrawal unit for withdrawing the loan repayment money from the paid card sales money and the funding amount to the investor who funded the funding amount .

According to another aspect of the present invention, there is provided a method of providing a crowdfund according to an embodiment of the present invention, the method comprising the steps of: receiving a credit fund from a borrower terminal based on at least one of loan application information, Determining whether the loan has been approved for the borrower, setting a fund to prepare the loan amount requested by the borrower when the loan is approved, and posting investment information on the fund, Determining whether the funding of the loan amount is completed based on the subscription information, finishing the funding of the loan amount, paying the loan amount requested by the borrower to the borrower, When the card sales proceeds are paid according to the borrower's sales activities, Withdrawing the loan repayment amount from the money, and paying the funder the amount corresponding to the funding amount and the funding amount from the withdrawn loan repayment fund to the investor who has funded the funding amount.

According to one embodiment of the present invention, a small business small business owner can overcome the difficulty of financing from the financial sector, and can finance the business with a relatively low interest rate, thereby contributing to solving the financial difficulty of small business owners.

In addition, small business owners can concentrate on their core business and improve management through increased sales.

In addition, since the low interest rate can not find a suitable investment destination, it can realize the profit of high interest rate and can make relatively stable investment for the floating capital than the financial sector. Therefore, it will not only benefit the small business owner and investor but also contribute to the revitalization of the local economy and job creation. .

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a diagram illustrating a configuration of a crowdfund providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a crowdfund operating server according to an embodiment of the present invention.
3A and 3B are flowcharts illustrating a process of providing a crowd fund according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" .

Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

1 is a diagram illustrating a configuration of a crowdfund providing system according to an embodiment of the present invention.

A crowdfund providing system 100 according to an embodiment of the present invention includes a crowd fund operation server 110, a borrower terminal 120, an investor terminal 130, a VAN company server 140, and a credit card company server 150 can do.

1, the crowdfund operating server 110 includes a web site (hereinafter, referred to as a 'service web site') for credit card loans of the present invention ). ≪ / RTI >

Thereafter, the borrower terminal 120 accesses a service web site and can apply for a loan with a credit card receivable as a security.

Herein, the 'loan with the credit card receivables as collateral' is a method of receiving a certain amount of money from the card sales receipt corresponding to the use of the card of the customer during the sales generated at the borrower's business place, and the borrower terminal 120 ' A credit fund operation server 110 (hereinafter, referred to as " loan fund application server ") 110 includes a loan application amount, personal information (name, sex, age, career experience etc.) ).

Hereinafter, the borrower is referred to as a small business owner and the borrower terminal 120 is referred to as a terminal 120, which is a small-sized company.

The crowdfund operating server 110 can determine whether to approve the loan according to the examination criteria of the crowdfund operator based on the loan application information received from the small-sized terminal 120, the credit information inquiry result, and the workplace information.

As a result of the determination, if the loan is approved, the crowdfund operating server 110 creates a fund for providing the loan amount requested by the small business owner from the investors, and places the investment information on the fund on the service web site .

Here, the 'investment information on the fund' may include information on the small business owner and the business site, the maximum number of persons who can participate in the fund, and the fundable amount of each investor.

In one embodiment, if the loan amount required by a small business owner is a total of 100 million won, the total investment amount is 10, and each investor can fund 10 million won uniformly.

In another embodiment, there is no limit to the number of investors, and if at least 10% and at most 25% of the loan amount per investor can be funded, at least four members of 25 million won or 25 million won Two people and ten million won, five people can participate in the fund.

The number of fund participants and fundable amount depending on the loan amount of the small business owner can be changed variously according to the embodiment.

Thereafter, the investor terminal 130 accesses the service web site to provide information on the investors who are collecting investors to the investors, and transmits a fund subscription request including the investor information, the business information selected by the investor, and the funding amount invested in the business site To the crowded fund management server 110.

If the funding amount of the investors exceeds the loan application amount of the small business owner, the crowd fund operation server 110 may bet the interest rate for each investor so that the investor who gives the low interest rate has priority to participate in the fund Ranking can be given.

For example, if you are looking for investors in a fund, you may end up raising the amount you want for a small business owner within a certain period of time, or if you have not yet completed your fund recruitment period, So that investors can be recruited in the order of low interest rates as described above.

In this case, small business owners who are carrying out projects with high investment value can borrow necessary funds at low interest rates.

When the funds are closed, the crowdfund operating server 110 pays the fund money (loan request amount) collected from the investors to the small business owner, and a certain amount of money from the card sales proceeds generated from the business activities of the small business owner And repay the principal and pay interest to the investor.

In this process, when a consumer uses a card, the terminal 120 (a card payment terminal installed at the business site, and the card payment terminal is also included in the terminal 120, which is a small-sized business person, for convenience of explanation) The VAN server 140 may request the credit card sales approval from the credit card company server 140 and the credit card revenue approval request to the credit card company server 150 to receive the approval result and transmit the approval result to the terminal 120 which is a small business.

The subscriber terminal 120 transmits a receipt slip request to the credit card company server 150 and the VAN company server 140 aggregates the credit card receipt details to the crowd fund operation server 110 at predetermined intervals.

Thereafter, the crowdfund operating server 110 may award the card sales proceeds to the small business owner based on the aggregated card approval details. In this case, the crowdfund operating server 110 may collect a certain amount of money from the card sales proceeds, The amount paid in advance may be deducted together with the amount paid.

2 is a block diagram illustrating a configuration of a crowdfund operating server according to an embodiment of the present invention.

The crowdfund operating server 110 according to an embodiment of the present invention includes a service web site providing unit 111, a loan approval determining unit 112, a fund information displaying unit 113, an offer information managing unit 114, A card sales breakdown portion 116, a card sales payout portion 117, a loan redemption withdrawal portion 118, and an investment principal payout portion 119. The payout portion 115, the card sales breakdown portion 116,

Describing each component, the service web site provider 111 can provide a service web site.

Here, 'service web site' is a service web site, which is composed of application for a loan with a credit card receivable secured by a small business owner, fund information about a small business owner approved for a loan, application for an investor's fund application, application for a loan for a small business owner and loan approval history, History of credit card payment service usage, application of investor's fund subscription, history of fund participation, principal and interest deposit inquiry for investment and investment, and so on.

On the other hand, the loan approval judgment unit 112 judges whether or not the loan approval of the small business owner is approved based on the loan application information received from the small-sized-party terminal 120, the credit information inquiry result, can do.

Here, the 'loan application information' may include at least one of a loan application amount, a guarantor information, a personal credit rating, a card sales status, a business deposit deposit status, a business location, and a card payment terminal information.

For reference, the card payment terminal may be a terminal provided by a crowd fund operator, or may be a terminal of a conventional VAN company.

The 'credit information inquiry result' can receive the credit inquiry result of the small business owner from the credit information inquiry server (not shown), and the 'business place information information' can be obtained from the terminal of the real person who visited the business site of the small business person Can be received.

In addition, the evaluation criteria of 'crowdfund fund management company' can be assigned to each item included in loan application information, the result of harmonization of credit information, and information of factual business site, and the weight may be reflected in a specific item.

For example, in the 'card sales status' item among the loan application information, different weights may be given for each sales period.

The loan approval determination unit 112 may sum up the evaluation scores for each item according to the examination criteria of the crowd fund operator and determine that the loan for the small business owner is approved when the total score is equal to or higher than a predetermined standard.

On the other hand, when the loan approval for the small business owner is approved by the loan approval determination unit 112, the fund information placement unit 113 sets a fund corresponding to the loan condition of the small business owner, Investment information can be posted.

Here, 'investment information on the fund' includes information on the name of the small business owner and the business site, including name, age, gender, business history, loan application amount, guarantor information, personal credit rating, card sales status, And can include information such as the maximum number of persons who can participate in the fund, the fundable amount of each investor, and the expected return.

Investors can refer to the investment information on the fund posted on the service website to review the risk and return rate of the fund, and apply for a fund subscription based on their investment conditions.

Meanwhile, the subscription information management unit 114 may store and manage the subscription information received from the investor terminal 130.

Here, 'fund subscription information' may include investor information and funding amount, and 'funding amount' may be transferred to an account designated by the crowdfund operator.

To this end, the crowdfund operating server 110 may provide a bank transfer service in connection with a bank server

If the collected funding amount exceeds the loan application amount of the small business owner, the subscription information management unit 114 allows the investors to bet on the interest rate, so that the investor who has given a low interest rate is given priority to participate in the fund .

On the other hand, the loan money payment unit 115 can transfer the loan application amount of the small business owner to the account designated by the small business owner.

For this purpose, the loan fund payment unit 115 may be associated with the bank server.

On the other hand, the card sales breakdown tallying unit 116 receives from the VAN server 140 information on the card sales amount (approval details) generated in the business activities of the small business owner, and stores information on the received card sales amount in advance It can be counted as a cycle.

On the other hand, the card sales amount payment unit 117 can 'prepay' the amount counted in the card sales breakdown unit 116, that is, the card sales amount calculated for a predetermined period, to an account designated by the small business owner.

As a reference, it is not mandatory to pay the proceeds of card sales, and it is a part that can be provided by the operator of the crowd fund for the rotation of the funds necessary for the business operation of the small business owner and the payment of the card payment. Can be determined.

In addition, the advance payment cycle of the card sales proceeds can be determined according to the contract between the small business owner and the crowd fund operator (for example, a day-to-day payment for the same day of payment).

On the other hand, when the card issuer server 150 pays the card sales amount to the small business owner, the loan redemption withdrawal unit 118 can withdraw the advance payment and the loan redemption money from the account designated by the small business owner.

Here, the prepayment may be 100% of the prepaid card sales amount, and the loan repayment amount may be a predetermined percentage (for example, 10%) of the predetermined loan amount.

On the other hand, the Investment Principal Disbursement Department (119) can pay principal and interest (profits, etc.) to each investor.

Here, the principal and interest paid to the investors may be paid at a predetermined period (for example, in units of one month, etc.) as the principal corresponding to a predetermined percentage of the funding amount and interest thereon.

If the investor wins the interest rate when participating in the fund, the investor's principal payment unit 119 may pay the interest corresponding to the interest rate of each investor, together with the principal, as interest.

3A and 3B are flowcharts illustrating a process of providing a crowd fund according to an embodiment of the present invention.

Hereinafter, the flow charts shown in FIGS. 3A and 3B will be described with the crowd fund operating server 110 shown in FIG. 2 as a main body.

For reference, the crowdfund operating server 110 provides a service web site, and the small business owners and investors are registered as members of the service web site.

First, the crowdfund operating server 110 receives the loan application information from the terminal 120, which is a small-sized company (S301).

Here, 'loan application information' includes loan application amount, personal information (name, gender, age, career experience etc.) and business site information (business type, location, card sales status, business deposit deposit, etc.) entered by a small business owner can do.

After step S301, the crowdfund operating server 110 determines whether or not the loan approval has been granted based on the examination criteria of the crowdfund operator based on the loan application information, the credit information inquiry result, and the business place information (S302).

Here, the crowdfund operating server 110 may sum up the evaluation scores for each item of the examination criteria, and may determine that the loan for the small business owner is approved when the total score is equal to or larger than a predetermined standard.

If it is determined in step S302 that the loan has been approved, the crowdfund operating server 110 sets up a fund corresponding to the loan conditions of the small business owner and places investment information on the fund on the service web site for attracting investors (S303).

Here, the 'investment information on the fund' may include information on the small business owner and the business site, the maximum number of persons who can participate in the fund, and the fundable amount of each investor.

After S303, the crowdfund operating server 110 receives a fund subscription request from the investor terminal 130 (S304).

Herein, the 'fund subscription request' may include investor information, business information selected by the investor, and funding amount invested in the business site. The 'funding amount' may be a cash amount transferred to an account operated by the crowd fund operating server 110 .

In this case, if the collected funding amount exceeds the loan application amount of the small business owner, the crowdfund operating server 110 may bet the interest rate for each investor, thereby giving priority to the investor who shows a low interest rate .

After S304, the crowdfund operating server 110 deposits the loan amount requested by the small business owner into the account designated by the small business owner (S305).

After S305, the crowdfund operating server 110 receives from the VAN company server 140 the information on the card sales amount (approval details) generated in the business activities of the small business owner at a predetermined period, and calculates the amount corresponding to the card sales amount (S306).

After step S306, when the card company server 150 provides the card sales proceeds to the small business owner after step S306, the crowdfund operating server 110 withdraws the prepayment payment and the loan payment payment at step S306 from the small business owner at step S307.

After S307, the crowdfund operating server 110 pays principal and interest (profit, etc.) to each investor (S308).

In S305, when the investor bet on the interest rate, the crowdfund operating server 110 may pay the amount corresponding to the interest rate betted by each investor together with the principal amount.

In the manner described above, small business owners can overcome the difficulties of funding from the financial sector and can finance the business with a relatively low interest rate.

In addition, since advance payment of the amount corresponding to the sales amount of the card can be made, it is possible to facilitate the rotation of the money necessary for the sales and the management of the payment of the card, thereby contributing to solving the financial difficulty.

In addition, small business owners can concentrate on their core business and improve management through increased sales.

In addition, since the low interest rate can not find a suitable investment destination, it can realize the profit of high interest rate rather than the financial sector and can make relatively stable investment. This will not only benefit both small business owners and investors, but will also contribute to revitalization of the local economy and job creation. .

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Crowd fund offering system
110: Crowd Fund Operations Server
111: Service website offering
112: Loan approval decision unit
113: Investment Information Publishing Department
114: subscription information management unit
115: Loan Department
116: Card sales breakdown counting section
117: Card payment line payment section
118: Loan withdrawal portion
119: Investment Principal Payment Division
120: Borrower (Collector's Authorized) terminal
130: Investor terminal
140: VAN server
150: Card issuer server

Claims (4)

In a server providing a crowded fund,
A loan approval determination unit for determining whether or not to approve the loan to the borrower based on at least one of the loan application information, the credit information inquiry result, and the business floor check information received from the borrower terminal;
A fund information posting unit for setting a fund for arranging the loan amount requested by the borrower and posting investment information on the fund when the loan is approved;
A subscription information management unit for determining whether the funding of the loan amount is completed based on the subscription information of the fund received from the investor terminal;
A loan money payment unit for paying the loan amount requested by the borrower when the funding for the loan amount is completed;
A loan redemption withdrawal unit for withdrawing the loan redemption money from the card sales amount paid when the card sales amount is paid from the credit card company server according to the sales activity of the borrower;
An investment principal amount payment unit for paying interest corresponding to the funding amount and the funding amount from the withdrawn loan repayment amount to an investor who has funded the funding amount;
A card sales breakdown counting unit for counting, at a predetermined cycle, information on the card sales amount generated from the borrower's sales activity received from the server of the VAN company at a predetermined cycle; And
And a card sales payout line payment unit for making a payment to the borrower before the withdrawal of the loan repayment amount and the interest,
Wherein the server provides a service web site accessible by the borrower and the investor, investment information on the fund is displayed on the service web site, a service for the advance payment is determined by the borrower,
The subscription information management unit may set a priority to participate in the fund in the order of investors who offer a low interest rate by betting interest on an investor who funded the funding amount when the funded funding amount exceeds the loan amount during a funding period Lt; / RTI >
The investors are recruited by the end of the fund recruitment period and the investors are recruited in the order of presenting a low interest rate even if all the loan amounts desired by the borrower are provided before the end of the fund recruitment period.
The method according to claim 1,
The investment principal payment section
And when the interest corresponding to the funding amount is paid to the investor, the server pays the betted interest.
The method according to claim 1,
The loan repayment withdrawal portion
And further withdraws the pre-paid card sales proceeds from the paid card sales proceeds.
The method according to claim 1,
The loan application information
The loan amount to be borrowed by the borrower, the gender of the borrower, the age, the career experience of the borrower, the business type of the borrower, the position of the borrower, the card sales status,
The investment information on the fund
A minimum or maximum number of participants participating in the fund, and a ratio of the minimum or maximum amount of money that can be funded by each participant.

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