KR20180032208A - Method and apparatus and computer readable record media for operating P2P(peer-to-peer) financial service based on stage - Google Patents

Abstract

The present invention relates to a method and apparatus for operating a P2P (peer-to-peer) financial service based on a stage, and a computer readable record medium. The method for operating a P2P (peer-to-peer) financial service based on a stage includes a step of allowing a P2P financial service server to receive directly the transmission request of a stage-based P2P financial application from a user device or indirectly through a relay server, and a step of allowing the P2P financial service server to directly transmit the stage-based P2P financial application to the user device or indirectly through the relay server. The stage-based P2P financial application may be implemented for creating or participating in a stage based on the user device. The stage may include a plurality of stage participation spaces. It is possible to operated stably P2P financial products.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a method, apparatus and computer readable recording medium for operating a P2P financial service based on a stage,

The present invention relates to a method, an apparatus and a computer-readable recording medium for operating a P2P financial service based on a stage. More particularly, the present invention relates to a method, apparatus, and computer-readable recording medium for operating a P2P financial service based on a stage that can be designed by a user in accordance with an operation purpose of a user's stage.

Peer-to-peer (P2P) financing is a credit loan service between a large number of lenders and lenders through the Internet open market. P2P financing is growing rapidly all over the world. After growing interest in the growth of micro-finance, P2P (peer-to-peer) -based Internet loan markets have emerged as an alternative to social credit lending.

In Korea, peer-to-peer (P2P) financing is emerging as an alternative to financial services for the underprivileged.

Although P2P financing is highly likely to be exposed to credit risk through the Internet and the risk of nonperforming borrowers, the risk of credit risk is relatively low compared to the interest rate. Therefore, the lender can secure funds at an interest rate lower than the credit rating, and the lender has the advantage of earning a higher profit than the other companies.

In existing P2P financing, users could not use only the financial products generated by the operators that operate P2P financing. Therefore, the user has to manually select a pre-designed P2P financial product that best suits the purpose of using the financial product.

It is an object of the present invention to solve all the problems described above.

In addition, the present invention can be used for other purposes such as receiving payment amount or investing spare funds at a desired interest based on the design or subscription of a direct P2P financial product (or stage) according to the purpose of the user do.

It is another object of the present invention to stably operate a P2P financial product by analyzing the stability of the P2P financial product subscribed by the user by reflecting the change of the credit rating according to the joining of the stage of the user in real time.

In order to accomplish the above object, a representative structure of the present invention is as follows.

According to one aspect of the present invention, a method of operating a P2P (Peer-to-Peer) financial service based on a stage is a method of operating a P2P financial service application directly or indirectly from a user device via a relay server Based P2P financial application directly or indirectly via the relay server to the user device, wherein the stage-based P2P financial application comprises: Wherein the stage is comprised of a plurality of stage participating spaces, each of the plurality of stage participating spaces sequentially corresponds to each of a plurality of stage sequences, and the plurality Of the stages The payment time of the payment amount can be determined on the stage the amount of money paid and / or the payment of the user is determined, and according to the stage on the stage in the order following the sequence number assigned to the stages of the chair user device.

According to another aspect of the present invention, a P2P financial service server operating a P2P (Peer-to-Peer) financial service based on a stage includes a communication unit for communicating with a relay server or a user device, Based P2P financial application directly or indirectly via the relay server to the stage based P2P financial application, either directly or indirectly via the relay server, Wherein the stage-based P2P financial application is implemented for generating or participating in a stage based on the user device, the stage comprising a plurality of stage participating spaces, wherein the plurality Participant in the stage And a payment amount of the user is determined on the stage in accordance with a sequence number allocated to a user of the user apparatus among the plurality of the sequence numbers of the plurality of stages, The payment timing of the payment amount can be determined on the stage according to the sequence number of the stage.

According to the present invention, the user can receive the payment amount or invest the spare money at the desired interest based on the design or subscription of the direct P2P financial product (or stage) according to the purpose, at a point in time when the user needs money.

In addition, according to the present invention, a P2P financial product can be stably operated by analyzing the stability of a P2P financial product subscribed by a user by reflecting a change in a credit rating due to a subscription of a user's stage in real time.

1 is a conceptual diagram illustrating a stage-based peer-to-peer financial service operating system according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a stage-based P2P financial service according to an embodiment of the present invention.
3 is a conceptual diagram illustrating a stage generation method according to an embodiment of the present invention.
4 illustrates a method of determining a user's credit rating in accordance with an embodiment of the present invention.
5 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
6 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
7 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
8 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
9 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
10 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.
11 is a conceptual diagram illustrating a method of determining a user's credit rating according to an embodiment of the present invention.
FIG. 12 is a conceptual diagram illustrating a method for determining a real-time credit rating of a P2P financial service server according to an embodiment of the present invention.
FIG. 13 is a conceptual diagram illustrating a method of determining a stage sequence number according to an embodiment of the present invention.
FIG. 14 is a conceptual diagram illustrating a method for determining a user's credit rating based on a test result for a user according to an embodiment of the present invention.
15 is a conceptual diagram showing succession between users in a stage according to an embodiment of the present invention.
16 is a conceptual diagram illustrating a determination procedure of a P2P financial service server for succession between users in a stage according to an embodiment of the present invention.
FIG. 17 is a conceptual diagram illustrating an inter-stage combining procedure according to an embodiment of the present invention.
18 is a conceptual diagram illustrating a method of recommending a stage to a user according to an embodiment of the present invention.
19 is a conceptual diagram illustrating a method of transmitting product advertisement information to a user in consideration of category information of a stage according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, the specific shapes, structures, and characteristics described herein may be implemented by changing from one embodiment to another without departing from the spirit and scope of the invention. It should also be understood that the location or arrangement of individual components within each embodiment may be varied without departing from the spirit and scope of the present invention. Therefore, the following detailed description is not to be taken in a limiting sense, and the scope of the present invention should be construed as encompassing the scope of the appended claims and all equivalents thereof. In the drawings, like reference numbers designate the same or similar components throughout the several views.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention.

Hereinafter, a user equipment (UE) includes a mobile terminal, a wireless device, a wireless transmit / receive unit (WTRU), a mobile station (MS), a mobile subscriber unit mobile subscriber unit), or simply a user. For example, the user device may be a device such as a smart phone, a tablet, or a notebook.

FIG. 1 is a conceptual diagram illustrating a stage-based peer-to-peer financial service operating system according to an embodiment of the present invention.

Referring to FIG. 1, a stage-based P2P financial service operating system may include a P2P financial service server 100, an external server 120, and a user device 140.

The P2P financial services server 100 may send a stage-based P2P financial application to the user device.

Based P2P financial application from the user device 140 either directly or indirectly via the relay server, and the P2P financial service server 100 can directly or through the relay server Based P2P financial application to the user device 140 indirectly.

The stage-based P2P financial application can be implemented to provide a stage-based P2P financial service to the user. Specifically, a stage-based P2P financial application may be implemented for use (e.g., design and / or subscription to a stage) of a stage-based P2P financial service by a user. In addition, the stage-based P2P financial application may be implemented to provide information to the user based on the purpose of using the user's stage-based P2P financial service. For example, if the purpose of use of the user's stage-based P2P financial service is purchase of a specific commodity, it may be implemented to provide the user with information about the commodity. The stage-based P2P financial services provided on a stage-based P2P financial application will be described in detail below.

In addition, the P2P financial service server 100 may determine the user's credit rating based on the internal user credit information and the external user credit information, and may restrict the use of the user's stage-based P2P financial service according to the credit rating.

Internal user credit information may include usage records for stage-based P2P financial services based on the user's stage-based P2P financial application.

The external user credit information may be information related to the credit of the user received from the external server 120 providing the credit information.

The external server 120 may provide information related to the user's credit. For example, the external server 120 may generate a user's credit rating information based on a user's existing financial related record as a server of a credit rating company.

Also, the external server 120 may be a server for providing advertisement information through the P2P financial service server.

User device 140 may receive a stage-based P2P financial application from a P2P financial services server 100 or a relay server providing applications. Based on the stage-based P2P financial application installed in the user device 140, the user can receive the stage-based P2P financial service.

2 is a conceptual diagram illustrating a stage-based P2P financial service according to an embodiment of the present invention.

2, a stage-based P2P financial service is provided based on a user's stage-based P2P financial application.

Referring to FIG. 2, a stage-based P2P financial service may be provided based on a stage set by a user.

The stage may be created by a particular user, and the particular user who creates the stage may be represented by the term stage creation user. The user who participates in the stage generated by the stage creation user may be represented by the term stage participation user.

The stage created by the stage creation user may include a plurality of stage participating spaces, and the plurality of stage participating spaces may be assigned to the stage creating user and the plurality of stage participating users participating in the stage. The plurality of stage participating spaces may be implemented on the stage to determine the amount of payment in accordance with the stage sequence number and / or the amount of paying in accordance with the stage sequence number.

(N is a natural number equal to or greater than 2) stages having a sequential order (the first stage participating space 210 to the n-th stage participating space 250), and a total of n payment amounts And a stage where the payment procedure of the payment amount is performed can be assumed. Hereinafter, the payment of the n times payment amount can be represented by the payment of the payment amount of the n times, and the payment of the payment amount of the n times is expressed by the term of the payment of the n times payment amount. For convenience of explanation, it is assumed that the number of the stages participating space and the number of payouts of the payout amount are the same, but they may be different from each other.

The amount of the user's first payment to the nth payment is determined according to the stage participation space (or the order of the stage) allocated to the user in the stage, and the user can pay the one-time payment amount to the n-time payment amount. Or the amount of the user's first recurring amount to the amount of the n-th recurring amount may not be changed according to the stage participation space (or stage sequence number) allocated to the user in the stage.

If the x-th stage participation space is assigned to the user (the stage sequence number of the user is x) among the n stage participating spaces (or stage order numbers), the user inputs the x-order payment amount in the x-order You can get paid.

The user can select the stage participation space according to the joining purpose of the stage. For example, if a user urgently needs a large amount of money, a relatively higher priority stage participation space (for example, a first stage participation space (or a stage sequence number 1) < / RTI > 210). If a relatively fast prioritized stage space is allocated to the user, the user may be paid a relatively high priority payment amount, but the payment amount may be smaller than the total amount paid. In another embodiment, the user's first payment amount to the n-times payment amount may be adjusted to be relatively high.

In other words, a user who has been allocated a stage with a relatively high priority in the stage can utilize the stage as a loan purpose, and the user can use the one-time payment amount or the n-time payment amount that relatively includes interest on the loan amount Can be paid.

For example, the first stage participation space 210 to the n / 2 stage participation space which are senior in the stage including n (for example, n is an even number) stage participation space utilize the stage for loan purpose And can be utilized by the user.

On the other hand, if the user does not need a large amount of money and wants to raise the financial income such as interest by utilizing the extra funds, he / she should use the subordinate stage participation space (Or stage sequence number n)) 250, for example. If a relatively slow subordinate stage attendance space is allocated, the user may be paid a payment amount that is higher than the total amount of the payment amount including interest on the loan amount paid by other users in the prioritized subordination . In another embodiment, the user's first-time payment amount to the n-time payment amount may be adjusted to be relatively low.

In other words, a user who has been assigned to a relatively slow subordinate stage participation space can use the stage as an investment objective and receive the loan interest of the senior users as financial income.

For example, in a stage including n (e.g., n is an even number) stage participating space, the n < th > stage participating space to the n < th > stage participating space 250, And can be utilized by the user.

Based on the stage-based P2P financial application, the number of stages involved in the stage, the amount paid, the interest rate according to the order of the stage participating space, information about the stage (category of the stage, start date, etc.), financial account information Amount of money account, etc.) can be set directly by the user. That is, the user can open and operate the stage according to the user's stage operation purpose. For example, if a user urgently needs a laptop, the user can open a stage to purchase the laptop, obtain a seniority, and pay the payment amount to purchase the laptop. If a user is assigned to the stage participation space of the seniority (or the stage sequence number of the seniority), a payment amount higher than the payment amount may be paid.

Conversely, when the user desires to obtain financial income, the user opens a stage and is assigned a stage participation space (or a ranking of the stage of the seniority) of the subordinate, and further includes a loan interest amount paid by other users of the seniority A relatively high payment amount can be paid.

3 is a conceptual diagram illustrating a stage generation method according to an embodiment of the present invention.

In Fig. 3, a method of generating a stage by a user is disclosed.

Referring to FIG. 3, the user can set the number of participants of the stage (step S300).

For example, a user may select one of the number of persons (e.g., 5, 7, 9, 13) who can be set as a stage participant in a stage-based P2P financial application.

The procedure for setting the number of participants in the stage may be a procedure for setting the number of stages participating space in another expression. According to the embodiment of the present invention, the number of times of participation in the stage and the number of payouts of the payout amount may be the same. That is, when the number of the stages participating spaces is selected, the number of times of payment of the paid amount can be automatically determined. If the turnover is one month unit, the expiration period of the stage may be determined based on the number of stages involved space. Hereinafter, in the embodiment of the present invention, it is assumed that the cycle of the payment (or the payment cycle) is one month (or 30 days), but the cycle of the payment (or the payment cycle) may be set differently.

The user can select the contracted amount for the stage (step S310).

The user can decide how much to pay for each turn. For example, the commitment amount can be set at 100,000 won per month, and users participating in the stage can pay the amount of 100,000 won per month.

The user can set the rate of the stage (step S320).

The user can set the financial income that can be obtained through the stage at the interest rate. For example, a user may have multiple interest rates (6%, 6.5%, 7%, 8%, 9%, 10%, 11%, 12%, 13%, 14% 16%) can be selected.

The user can determine the stage participation space (or stage sequence number) (step S330).

Stage generation The user can preferentially set his or her sequence number in the stage he created. For example, if a user creates a stage for loan purposes, the user can select a relatively high-priority stage sequence number. Conversely, if the user has created a stage for investment purposes, the user can select a relatively sequential stage sequence number.

When a stage operated on the basis of 13 users is selected, thirteen stage participating spaces can be assigned to the stage, and each of the thirteen stage participating spaces can be sequentially assigned to each of thirteen stage order numbers.

Table 1 below provides information on the total amount of payment according to the stage number of each of the 13 stage participating spaces and the amount of payment, interest, real interest rate, and payment amount (or actual payment amount) of the corresponding stage number.

turn Total amount paid Corresponding order
Amount paid Interest (pre-tax) Real interest rate
(Pre-tax) Interest income tax
Withholding Actual payment amount One 1,300,000 1,221,984 -78,016 -6.00% 1,221,984 2 1,300,000 1,231,624 -68,376 -5.26% 1,231,624 3 1,300,000 1,242,754 -57,246 -4.40% 1,242,754 4 1,300,000 1,253,954 -46,046 -3.54% 1,253,954 5 1,300,000 1,264,954 -35,046 -2.70% 1,264,954 6 1,300,000 1,275,954 -24,046 -1.85% 1,275,954 7 1,300,000 1,287,000 -13,000 -1.00% 1,287,000 8 1,300,000 1,301,596 1,596 0.12% 420 1,301,176 9 1,300,000 1,309,996 9,996 0.77% 2,730 1,307,266 10 1,300,000 1,319,596 19,596 1.51% 5,370 1,314,226 11 1,300,000 1,329,996 29,996 2.31% 8,230 1,321,766 12 1,300,000 1,341,196 41,196 3.17% 11,310 1,329,886 13 1,200,000 1,250,396 50,396 4.20% 13,840 1,236,556

Referring to Table 1, the user of the stage sequence number 1 to the stage sequence number 7 can utilize the stage for the purpose of the loan. A user who has been assigned the stage number 1 to the stage number 7 can receive the payment amount smaller than the amount of 1,300,000 won which is paid 13 times by the amount of 100,000 won, but can receive the loan according to the period when the need for 1.3 million won is needed. Conversely, a user who has been assigned the stage number 8 to the stage number 13 can utilize the stage for the purpose of lending. The user of the stage number 8 to the stage number 12 can receive the payment amount of 1,300,000 won, which is 13 times of 100,000 won, and the user of the stage number 13, 1,200,000 won, which is higher than the amount paid.

Table 2 below shows information on the planned receipt amount, interest (loan interest, deposit interest), amount of payment, total amount of payment, and application rate according to the stage order of each of the 13 stage participating spaces.

turn Amount to be received Loan interest Savings
interest Interest Total Payment amount Total amount paid Applicable Rate One 1,300,000 -43,940 0 -43,940 103,380 1,343,940 5.74% 2 1,300,000 -40,278 3,662 -36,617 102,817 1,336,617 4.79% 3 1,300,000 -36,617 7,323 -29,293 102,253 1,329,293 3.84% 4 1,300,000 -32,955 10,985 -21,970 101,690 1,321,970 2.88% 5 1,300,000 -29,293 14,647 -14,647 101,127 1,314,647 1.93% 6 1,300,000 -25,632 18,308 -7,323 100,563 1,307,323 0.96% 7 1,300,000 -21,970 21,970 0 100,000 1,300,000 0.00% 8 1,300,000 -18,308 25,632 7,323 99,437 1,292,677 1.13% 9 1,300,000 -14,647 29,293 14,647 98,873 1,285,353 2.28% 10 1,300,000 -10,985 32,955 21,970 98,310 1,278,030 3.44% 11 1,300,000 -7,323 36,617 29,293 97,747 1,270,707 4.61% 12 1,300,000 -3,662 40,278 36,617 97,183 1,263,383 5.80% 13 1,300,000 0 43,940 43,940 96,620 1,256,060 7.00%

Referring to Table 2, a stage in which the receipt amount is the same according to the order, and in which the amount of payment is changed according to the order is started. Interest can be classified as interest on the loan and interest on the loan, and the sum of the interest on the loan and the interest on the interest on the loan can be the interest plus the sum.

From stage 1 to stage 6, the interest on the loan may be higher than the interest on the loan for the purpose of the loan. From stage number 7 to stage number 13, the loan interest may be the same or lower than the savings interest for investment purposes.

In addition, the stage may be designed such that the sum of the interest of each of the two stage sequences in which the two stage sequences are paired and paired has a symmetric structure. For example, the stage number 1 and the stage number 2 are paired, so that the sum of interest (-43,940 won) and the sum of interest (43,940 won) of the stage number 1 have a symmetrical structure, and the stage number 2 and stage number 12 are paired , The sum of the interest of the stage number 2 (-36,617 won) and the sum of the interest of 12 times (36,617 won) can have a symmetrical structure.

The stage structures of Tables 1 and 2 are exemplary and various stage structures can be designed.

The user can set the category of the stage (step S340).

The user can set information about the purpose of operating the stage. For example, the category of the stage may be set such as a neck, a computer / a home appliance, a trip, a fashion goods, a beauty, an instrument, a wedding, an infant, a furniture / interior, a car / a motorcycle, The user can operate the stage to set a desired size or a desired product to purchase.

In addition, the user can set whether or not to release the stage.

The user can operate the stage publicly or privately.

If the stage is openly operated, information about the stage can be transmitted to other users and participation of other users in the stage can be induced.

In the case where the stage is operated privately, only the other user who has received the information on the password by setting the password can participate in the stage.

In addition to this, the user can also input information on the start date (or the collection period) of the stage, a deposit account for receiving the deposit amount from the users, and a payment account for receiving the payment amount to the user.

The stage is created by the setting of the user as described above, and another user can participate in the created stage. If the set number of persons (for example, 13 persons) is allocated to the set stage participation space, the stage can be started. The stage to which the personnel set in all the set stage participating spaces are allocated can be expressed by the term " assignment success stage ".

The stage may not be started and may be terminated when the set period is not allocated to all stage participation spaces in which the set personnel are set. Stages for which no personnel are assigned to all the set stage participating spaces can be expressed by the term "assignment failure stage".

The P2P financial services server may also create an assignment success stage through a combination of assignment failure stages. The coupling between allocation failure stages is described below.

4 illustrates a method of determining a user's credit rating in accordance with an embodiment of the present invention.

In FIG. 4, a method for determining a credit rating of a user for stable operation of a stage is disclosed. If a particular user receives only the payment amount in advance and then does not pay the payment amount, the stage may not be completed and damage to other users participating in the stage may occur.

Therefore, according to the embodiment of the present invention, the P2P financial service server determines the standard risk element 400 and the variable risk element 420 of the user based on the internal user credit information and the external user credit information, Element 400 and the variable risk element 420 based on the credit rating of the user.

Table 3 below shows a standard risk element 400 and a variable risk element 420 for determining a user's credit rating 450.

division Element weight Standard Risk Factor NICE credit rating 40%  CL-BALANCE (credit loan balance) 10% Variable risk factor Overdue payment rate (OPR) 20% Selection number (SN) 10% CLA (credit loan amount) 10% The period of utilization (POU) 5% Social network estimation (SNE) 2% AR (age risk) 2% DS (data supplement) One% Sum 100%

A credit rating 450 of a user using the stage based on at least one of the standard risk element 400 and the variable risk element 420 disclosed in Table 3 may be determined. In addition, the weights assigned to each of the standard risk element 400 and the variable risk element 420 may be varied as an example value.

The NICE credit rating information may include information on the NICE credit ratings of grades 1 to 6. The NICE credit rating is trustworthy data that manages 44 million credit information and can correspond to external user credit information. The P2P financial services server can calculate the first partial risk rate (NICE) based on information about the NICE credit rating and information about the NICE credit rating.

The CL-BALANCE information may include information about the credit balance. The P2P financial service server may calculate a second partial risk ratio (CL-BALANCE) based on the CL-BALANCE information including information on the user's credit balance and the weight on the CL-BALANCE information.

Variable risk element 420 may be internal user credit information.

The OPR information may include information on the cumulative number of payments of the amount paid in the stage and information on the number of delinquencies of the amount paid. The P2P financial service server can calculate the third partial risk ratio (OPR) based on the weights of OPR information and OPR information.

The SN information may include information on the stage sequence number of the user in the stage. There may be a difference in risk between the order of the order of the order of the priority and the order of the order of the order. The P2P financial service server can calculate the fourth partial risk ratio (SN) based on the weight for the SN information and the SN information.

The CLA information may include information about a distributed loan of a user who has joined (created or participated) in a plurality of stages. Hereinafter, the term " joining the stage " may include the meaning of creating a stage or participating in an already created stage, assigning a stage sequence number, and advancing the stage.

When a user utilizes a plurality of stages for the purpose of lending, the risk of the stage due to the user may be increased, so that the user's credit rating can be determined based on the CLA information. The P2P financial service server can calculate the fifth partial risk ratio (CLA) based on the weight of CLA information and CLA information.

The POU information may include information about the number of stages completed by the user and the user's stage usage period. When the user has completed at least one stage, the user's credit rating can be adjusted in consideration of the completion count of the stage, the payment period of the completed stage, and the like. The P2P financial service server can calculate the sixth partial risk ratio (POU) based on the weight of POU information and POU information.

The SNE information may include information about a user's relationship with another user. For example, when a user and another user know a relationship (or a relationship based on a social network) and join the same stage, the P2P financial service server determines that the reliability of the stage is high, Adjustment can be performed. The P2P financial service server can calculate the seventh partial risk ratio (SNE) based on the weight of SNE information and SNE information.

The AR information may include information about the age of the user. The P2P financial service server can adjust the user's credit rating 450 by determining whether the user is unemployed or below a certain age. The P2P financial service server can calculate the 8th partial risk ratio (AR) based on the weightings of AR information and AR information.

The DS information may include information related to the user's income / property. The P2P financial services server may receive additional income / property related information from the user and adjust the user's credit rating 450. [ The P2P financial service server can calculate the 9th partial risk ratio (DS) based on the weight of DS information and DS information.

The P2P financial services server may determine the user's credit rating (e.g., first to fifteenth rating) 450 by summing the first partial risk ratio (NICE) to the ninth partial risk ratio (DS). The P2P financial service server grants access to the stage only to users who have a credit rating (450) below a certain credit rating (for example, grades 1 to 9) and a credit rating of 450 ) Can limit the use of the stage.

In addition, the P2P financial service server may set different delivery limits (basic limit, special limit, etc.) according to the credit rating 450. [

In addition, the P2P financial service server can real time adjust the user's credit rating 450 by reflecting the usage record of the user's stage in real time. For example, if a user continuously subscribes to the stage by assigning an order number of the priority, the user's credit rating 450 may drop in real time, and thereafter, the use of the user's stage may be restricted.

Specifically, the P2P financial service server determines whether or not the stage can be created or participated based on the first credit rating of the user. When the P2P financial service server determines that the stage can be created or participated based on the user's usage history of the stage One may determine a second credit rating adjusted for the credit rating.

The first credit rating is determined based on the usage record for the user's previous stage through the stage-based P2P financial application, and the second credit rating can be adjusted based on the usage record for the user's stage.

The first credit rating may be determined based on information related to completion of the previous stage, information relating to the previous stage order selected at the previous stage, and information related to delinquency of the previous payment amount at the previous stage. The second credit rating can be adjusted based on information about the stage sequence number of the current stage, information related to delinquency of the payment amount at the current stage. The second credit rating may be determined by further considering information about the user subscribed to the stage and other users who form the social network. The selectable range of the stage sequence numbers may be determined based on the other stage sequence numbers selected by the user at the other stages.

Hereinafter, the variable risk element 420 is specifically disclosed. The numerical values / tables and the like used to describe the variable risk element 420 may be changed as exemplary values.

5 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

5, a method of calculating a third partial risk ratio (OPR) based on the weight of OPR information and OPR information including information on cumulative number of deliveries 520 and cumulative cumulative count 500 is disclosed.

Referring to FIG. 5, a table for calculating a third partial risk ratio (OPR) based on the cumulative number of deliveries 520 and the cumulative cumulative number of delinquencies 500 is disclosed.

The third partial risk rate can be determined based on the cumulative cumulative number of payments (500), the cumulative number of payments made (520), the average standard risk rate, and the weight per section and the additional weight. Equation (1) below is a formula for calculating the third partial risk rate.

&Quot; (1) "

Third Part Risk Rate = (Accumulated Cumulative Number / Cumulative Number of Contributions) x Average Risk Rate x Weight per Section x Additional Weight x Part 3 Risk Rate Weight

The average standard risk rate may be the average of the risk rates of the NICE credit ratings as a basis for calculating the partial risk rate described above. For example, the average baseline risk rate may be 0.69%.

The cumulative payment count 520 may be an accumulation value of the number of payments of the payment amount to be paid to at least one stage based on the current point in the use of at least one stage on the stage-based P2P financial service of the user. For example, if a user joins two stages (first stage, second stage), a total of five payouts occur in the first stage and a total of seven payouts occur in the second stage , The cumulative delivery count 520 may be 12 times.

The delinquency accumulation count 500 may include information on the number of payments of the overdue amount based on the current point when using at least one stage on the stage-based P2P financial service of the user. For example, if a user joins two stages (first stage and second stage), two of the total five payouts of the first stage are overdue based on the current point, and seven payouts of the second stage If the total number of delinquencies is overdue, the cumulative delinquency number (500) may be three.

The weight for each interval may be a weight according to an increase in the cumulative cumulative number of delinquencies (500). For example, for each of the three to five delinquency cumulative counts (500), there may be two times the weight for each interval, six to seven delinquent delinquencies For the cumulative number of times 500, three times the weight for each interval, four times for each cumulative number of delays 500 (500), five times for each cumulative number of delays (500) The cumulative cumulative number of delinquencies (500) can be weighted by six times the interval.

The additional weight may be a weight applied to an interval in which the cumulative cumulative cumulative number 500 of cumulative delivery times 520 exceeds 50%. The additional weight may be a weight of at least 4 times or at most 36 times the weight of the interval. For example, if three cumulative cumulative accumulation times out of the total four cumulative deliveries occur, the additional weight may be quadrupled, which is twice the weight of each interval. If the cumulative cumulative number of delinquencies 500 exceeds 50% of the cumulative delivery count 520, the additional weight may not be applied.

6 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

6, a method for calculating a fourth partial risk ratio (SN) based on SN information including information on a stage sequence number of a user on a stage and a weight for SN information is disclosed. In Fig. 6, it is assumed that the stage participation space of the stage is 13, 9, 7, or 5.

Referring to FIG. 6, the fourth partial risk ratio (SN) may be determined based on the loan ratio of the stage sequence, the average standard risk ratio, and the group risk reflectance. For example, the fourth partial risk ratio SN can be calculated based on the following equation (2).

&Quot; (2) "

4th Partial Risk Ratio (SN) = lending ratio of stage order x average standard risk rate x group risk reflectance x 4th portion Risk Rate Weight

Equation 2 is the fourth partial risk rate for one stage. When the user participates in a plurality of stages, the sum of the fourth partial risk rates for each of the plurality of stages may be the fourth partial risk rate of the user.

The loan ratio of the stage sequence number may be the ratio of the loan amount excluding the advance payment amount from the user's total payment amount of the user. The higher the seniority, the higher the loan rate, and the lower the loan rate, the lower the subordination.

The average standard risk rate is the same as described above in Fig.

The group risk reflectance may be the ratio of the average reference risk ratio to the stage sequence group including the stage sequence number.

For example, the stage sequence number of the stage having 13 stage participation spaces may be 1 (stage sequence number 1) to 13 (stage sequence number 13). A second stage sequential number group 620 from the stage sequential number 5 to the stage sequential number 8, a third stage sequential number group 630 from the stage sequential number 9 to the stage sequential number 13, a first stage sequential number group 610 from the stage sequential number 1 to the stage sequential number 4, .

The first stage sequence group 610 may include a stage sequence number of a priority sequence allocated to users with the purpose of the loan and the second stage sequence group 620 may be assigned to users with a loan or investment purpose And the third stage sequential group 630 may include a sequence number of a subordinate sequence assigned to users having an object of investment.

Accordingly, the group risk reflectivity of the first stage sequential group 610 is 100%, the group risk reflectivity of the second stage sequential group 620 is 67%, and the group risk reflectivity of the third stage sequential group 630 is 34% Can be set.

7 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

FIG. 7 illustrates a method for calculating a fifth partial risk ratio (CLA) based on CLA information including information on a loan amount of a user on the stage and a weight for CLA information.

Referring to FIG. 7, the fifth partial risk ratio (CLA) may be determined based on different weights for the amount of basic risk and / or the number of stage subscriptions. For example, the fifth partial risk ratio (CLA) may be determined based on Equation (3) below.

&Quot; (3) "

5th Part Risk Ratio (CLA) = basic risk by amount of money x weight based on number of stage subscriptions x part 5 risk ratio weight

Referring to Equation (3), the basic risk by amount may be a risk rate based on the loan amount of the user on the stage.

The user's loan amount on the stage may be the total loan amount of at least one stage that the user subscribes to. When the user joins the plurality of stages, the loan amount of the user on the stage may be the sum of the total loan amount of each of the plurality of stages. If the stage is terminated normally, the loan amount generated at the stage may be excluded from the total loan amount of the user, and if the payment amount is paid and the payment amount is normally paid each time, the total loan amount may be reduced .

The standard section ratio may be a percentage value of risk determined by the unit of increase / decrease of 400,000 won based on 120,000 won. The amount of 120,000 won is the loan amount of the user who selects the rank order of the stage as the first rank in the stage having the participation amount of 100,000 won and 13 stages in the amount of payment.

The default risk is set to 0.69% for a standard interval rate of 100%, and may be a proportionally adjusted value of 0.69% as the standard interval rate increases / decreases. For example, if the loan amount is $ 1.2 million, the standard section rate may be 100% and the base risk may be 0.69%. If the loan amount is 2 million Yuan, the standard section rate may be 167% and the base risk may be 1.15%.

The weight according to the number of stage subscriptions can be determined according to the number of subscriptions of the stage. When the number of subscriptions in the stage is 1, the weight according to the number of stage subscriptions is 1. When the number of subscriptions in the stage is 2, the weight according to the number of stage subscriptions is 1.5. In the case where the number of subscriptions in the stage is 3, May be 2. That is, the weight according to the number of subscription of the stage may increase according to the subscription coefficient of the stage.

That is, as the number of stages joined by the user increases and the amount borrowed by the user on the stage becomes higher, the fifth partial risk rate (CLA) may increase.

8 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

8, a method for calculating a sixth partial risk rate (POU) based on POU information including information on the number of stages normally completed by the user, information on the number of times of the normally completed stages, and POU information is disclosed .

Referring to FIG. 8, a sixth partial risk rate (POU) may be determined based on the completion stage cumulative risk 820 rate and / or the completion stage commitment term cumulative risk rate 800. The sixth partial risk ratio (POU) can be determined based on Equation (4) below. The sixth partial risk rate can be a minus (-) value to increase the user's credit rating.

&Quot; (4) "

(POU) = (Cumulative Stage Cumulative Risk Rate + Completion Stage Committed Cumulative Risk Rate) x Part 6 Risk Rate Weight

The completed stage cumulative risk ratio 820 may be a risk rate according to the number of completed stages. As the number of completed stages increases, the rate of decrease of the completed stage cumulative risk ratio 820 can be increased. For example, as the number of completed stages increases, the reduction rate of the completed stage cumulative risk ratio 820 may increase by 5%.

Completion Stage Arrangement The cumulative risk ratio (800) can be determined based on the value counted in 30-day increments from the effective date of the stage to the normal completion date, when the payment amount is paid in 30-day increments. Or the completion stage commitment term risk ratio 800 may be determined based on the accumulated value by counting the number of times of delivery of the completed stage.

When the user completes a plurality of stages, the sum of the values counted and added in units of 30 days from the effective start date to the normal completion date for each of the plurality of completed stages or the number of deliveries for each of the plurality of completed stages is counted, The cumulative risk ratio at the completion stage commitment period can be determined.

9 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

FIG. 9 discloses a method for calculating a seventh partial risk ratio (SNE) based on SNE information including SNE information including information on a user's social network and weight on SNE information.

Referring to FIG. 9, the seventh partial risk ratio (SNE) includes information on the number of other users (hereinafter referred to as " in-stage ") who made a social network with a user and subscribed to the same stage, Can be determined based on the information about the user. The number of times of re-matching may be the number of times the user performed the same stage in the stage. The social network may be created by a social network service operated by an external server or by a social network service operated by a P2P financial service server.

For example, if the user and the other user A are in a social network relationship, and the user A and another user A have already completed two identical stages and joined the new stage, The number of re-matching can be obtained.

According to the embodiment of the present invention, the P2P financial service server has many in-stage acquirers, and the seventh partial risk ratio (SNE) can be reduced as the number of re-matching in the stage with the in-stage acquirer is larger.

Equation (5) below is a formula for calculating the seventh partial risk ratio (SNE).

Equation (5)

Part 7 Risk Ratio (SNE) = Average Risk Ratio x Risk Reduction Ratio in Stage x Reduction of Rematching in Stage x Part 7 Risk Rate Weight

The average baseline risk rate may be the same as described above. For example, the average baseline risk rate may be 0.69.

The risk reduction rate within the stage may be the reduction rate according to the number of persons in the stage. The higher the number of acquaintances in the stage, the higher the reduction rate. When the user is subscribed to a plurality of stages, the risk reduction rate, which is the in-stage value, can be determined based on the sum of the numbers of in-stage acquisitions of each of the plurality of stages. The risk reduction rate in the stage can be calculated as the risk reduction percentage / 100, which is the stage inside value according to the number of in-stage acquisitions described in the table of FIG.

The re-matching reduction rate in the stage may be a reduction rate according to the number of re-matching with the in-stage knowledge. The higher the number of rematches and the number of rematches in the stage, the higher the reduction rate. The re-matching reduction rate on the stage can be calculated as the percentage of re-matching reduction / 100, which is the stage inside information according to the number of times of re-matching in the stage as described in the table of FIG.

10 is a conceptual diagram illustrating a variable risk element according to an embodiment of the present invention.

In FIG. 10 (a), a method for calculating an eighth partial risk ratio (AR) based on a weight for AR information and AR information including information on the age of a user is disclosed.

Referring to FIG. 10 (a), there is no separate 8th partial risk ratio (AR) for a user born before 1991, but for a user born after 1992, a separate 8th partial risk rate (AR) may be present. The eighth partial risk rate (AR) can be calculated based on the following Equation (6).

&Quot; (6) "

Part 8 Risk Ratio (AR) = Average Baseline Risk Rate x AR Risk Rate x Part 8 Risk Ratio (AR) Weight

In FIG. 10 (b), a method for calculating a ninth partial risk ratio (DS) based on weights on DS information and DS information including information on income / property separately submitted by the user is disclosed.

Referring to FIG. 10 (b), when the user's income taxation period is relatively high or the user's property taxation period is relatively high based on information on the user's income tax / property tax, the 9th partial risk rate DS ) Can have a minus (-) value.

The ninth partial risk ratio (AR) can be calculated based on the following Equation (7).

&Quot; (7) "

(9) Partial Risk Rate (AR) = [{Average Risk Rate x (Income Tax Taxable Section Weight)} + {Average Standard Risk Rate x (Property Tax Tax Division Weight)

The average standard risk rate is the same as the above, and the weights of the income tax classification / property tax classification section may be applied differently depending on the income taxation section and the property taxation section from 0.5 to 4 times.

11 is a conceptual diagram illustrating a method of determining a user's credit rating according to an embodiment of the present invention.

In FIG. 11, a method of classifying a user's credit rating into a first to fifteenth rating based on a score calculated using standard risk factors and variable risk factors is disclosed.

Referring to FIG. 11, the user risk rate can be calculated based on the sum of the first partial risk rate to the ninth partial risk rate.

Specifically, the first partial risk ratio (NICE), the second partial risk ratio (CL-BALANCE) based on the standard risk factor, the third partial risk ratio (OPR) based on the variable risk factor, (SN), the fifth partial risk ratio (CLA), the sixth partial risk ratio (POU), the seventh partial risk ratio (SNE), the eighth partial risk ratio (AR) This can be a user risk rate.

User risk rate can be scored based on 10 million points. The user risk rate scored as a score of 1000 can be expressed in terms of user risk score.

In FIG. 11, ranges of user risk rates and ranges of user risk scores for each of the first to fifteenth rating classes are disclosed.

According to the embodiment of the present invention, the P2P financial service server can allow a user having a credit rating of a certain grade (for example, a user to have a credit rating of the first to ninth grades only).

The P2P financial service server can set the default limit for each different grade and the maximum value of the special basic limit according to the user's credit rating. For example, the higher the credit rating (ie, closer to grade 1), the greater the default limit for each grade, and the specific limit for each grade.

The basic limit for a grade is basically a limit given to a credit rating. If the stage is operated on a monthly basis, it can basically be a maximum value of a payment amount that can be paid on a monthly basis.

The special limit for each grade may be an additional limit depending on the credit rating. For example, when a user having a first grade credit rating participates in 10 or more stages in the sequence order of the stages included in the third stage sequence number group described above with reference to FIG. 6, the user additionally adds 1,000,000 won, which is the maximum value of the special limit It is possible to acquire the right to pay. In FIG. 11, a credit rating condition for acquiring a special limit for each grade is disclosed.

The P2P financial service server can adjust the factors for determining the credit rating by setting the number of people by credit rating, the total limit, the limit occupancy rate, and the reference ratio. (Or a user risk score) to determine the credit rating so that each of the personnel structures of the first to third grade structurally has a rhombus-shaped manpower structure, adjustment to the partial risk rate Can be performed.

Personnel by credit rating may be set for each credit rating.

The total amount of the credit limit can be the total amount considering all the credit limits and the special limits for each grade.

The limit occupancy ratio may be the ratio of the total credit limit by credit rating based on the sum of the credit limit limits of each of the multiple credit ratings.

The reference rate may be the ratio of the number of people by credit rating based on the total number of people.

FIG. 12 is a conceptual diagram illustrating a method for determining a real-time credit rating of a P2P financial service server according to an embodiment of the present invention.

In FIG. 12, the first partial risk rate (NICE), the second partial risk rate (CL-BALANCE), the third partial risk rate (OPR), the fourth partial risk rate (SN) Based on the real-time tracking of the CLA, the 6th partial risk rate, the 7th partial risk rate, the 8th partial risk rate and the 9th partial risk rate, A method for determining a rating is disclosed.

Referring to FIG. 12, the first partial risk rate NICE may be determined to be 0.071% based on the NICE credit rating (second grade) and the first partial risk rate weight (40%) of the user.

The second partial risk ratio (CL-BALANCE) can be determined to be 0.014% based on the user's credit amount (KRW 5 million) and the second partial risk rate weight (10%).

The third partial risk ratio (OPR) can be determined to be 0.011% based on cumulative number of deliveries (13), cumulative number of delinquencies (once), and third partial risk rate weighting (20%).

The fourth partial risk ratio (SN) is calculated based on the first stage (13 persons, first order), the second stage (13 persons, 13th order), the third stage (7 persons, third order) (0.0637%, 0.000%, 0.264%) of the fourth portion of the risk ratio of the total amount of risk.

The fourth partial risk rate of each stage may be determined based on the user's stage sequence number and the fourth partial risk rate weight at each stage.

The stage sequence numbers for determining the fourth partial risk ratio can be adjusted in consideration of the number of the entire stage participation spaces (or the stage sequence numbers) of the stage. For example, the sequence number of the stage having seven stage participation spaces based on the stage having 13 stage participation spaces can be proportionally adjusted, so that the fourth partial risk rate can be calculated. In the case where the stage sequence number in the stage having seven stage participation spaces is the third order, the three positions are proportionally adjusted to 5.6 rank (= 3x (13/7)) on the basis of the stage having 13 stage participation spaces, 4 Partial risk rate can be calculated.

The fifth partial risk ratio (CLA) may be 0.069% based on the number of stages subscription (1), the user's loan amount (1.2 million won) and the fifth partial risk weighting weight (10%).

The sixth partial risk rate (POU) is -0.015% days, which is determined based on the number of cumulative completed stages (1) of the user, the commitment period (12) of the cumulative completion stage and the sixth partial risk rate weight (5% .

The seventh part risk ratio (SNE) may be 0.009%, which is determined based on the number of in-stage acquaintances, the number of rematches within the stage, and the seventh partial risk rate weight (2%).

The eighth partial risk rate (AR) may be 0% determined based on the user's birth year and the eighth partial risk weight weight (2%).

The 9th partial risk ratio (DS) may be -0.006% (= -0.003% -0.003%), which is determined based on the user's income tax period information and the user's property tax period information and the 9th partial risk weight weight (1% .

The user risk rate is 0.0242%, which is the sum of the first partial risk rate to the ninth partial risk rate, and the user risk score is 975.8 points, and the user's credit rating can be determined as the fourth grade.

FIG. 13 is a conceptual diagram illustrating a method of determining a stage sequence number according to an embodiment of the present invention.

In Fig. 13, a constraint is initiated when determining the sequence number of the user.

Referring to FIG. 13, the P2P financial service server may restrict the sum of the sequence numbers of the stages selected by the user from exceeding the threshold value.

For example, grouping for two stages subscribed by the user may be performed sequentially.

When one stage group includes two stages, the sum of the sequence numbers of the stages selected by the user in the two grouped stages may be limited so as not to exceed a threshold value (for example, 10).

Specifically, the user can subscribe to the first stage 1310 and select the stage sequence number of the first stage 1310 as the first order (stage sequence number 1).

When the user subscribes to the second stage 1320, considering the restriction that the sum of the stage sequence number of the second stage 1320 and the sequence sequence number of the first stage 1310 must satisfy 10 or more, The stage rankings of the stage 1320 can be determined. When the stage order of the first stage 1310 is the first order (stage order 1), the stage order of the second stage 1320 of possible users is the ninth order (stage order 9) to the thirteenth order (stage order 13 ). ≪ / RTI > That is, the P2P financial service server can restrict the selection of the first order (stage order number 1) to the eighth order (stage order number 8) in determining the stage order number of the user's second stage 1320.

Based on the constraint on the stage sequence number allocation, the risk of the stage generated due to the unconditional priority sequence number assignment as a specific user can be reduced.

If the user subscribes to a third stage, which is a stage other than the first stage group (first stage 1310, second stage 1320), a second stage group can be created.

Since the above-described constraint on the stage sequence number assignment is applied only to the same stage group, the user can be assigned the stage sequence number without any restriction in the third stage.

When the user selects the stage sequence number in the fourth stage, the third stage is included in the same stage group as the fourth stage, so that the stage sequence number of the fourth stage can be determined in consideration of the stage sequence number of the third stage selected by the user .

FIG. 14 is a conceptual diagram illustrating a method for determining a user's credit rating based on a test result for a user according to an embodiment of the present invention.

In Fig. 14, a method for determining a user's credit rating in consideration of a result (e.g., a survey result) of a test provided to a user is disclosed.

Referring to FIG. 14, personal characteristics information of the user can be obtained based on the items provided to the user.

Table 4 below provides an example of the items provided to the user.

I am going to the appointment place with enough margin. I tend to break it when it is damaging to keep a promise. If any provision is unreasonable, it should be kept as long as it exists. Sometimes you can lie a bit to get what you want. I can not imagine damaging someone with my fault. I am a reliable person to practice what I say. I plan to do things in advance in the future. I often act back and forth. I have more qualities to lead them than to follow others. I try to do things the way I do. If I own more material, my life will be better. I am interested in improving the economic situation through stable investment.

The user's personal characteristics information can be determined based on the user's answer to the above questionnaire.

For example, the user's personal characteristics information 1400 may include information on a person's personal characteristics 1400 such as self-esteem, self-satisfaction, self-efficacy, public self-consciousness, self-control power, norm compliance, responsibility, planning, , Relationship desires, close friends, commitment, fund interest, reservation service, social network service (SNS) activities.

The P2P financial service server can analyze the relationship between the personal characteristics information 1400 of the user subscribed to the stage and the user's stage subscription characteristic information 1420. [

The stage affiliation characteristic information 1420 of the user includes the stage completion information of the user and the delinquent information of the user's payment amount. And may include the stage sequence number information selected by the user.

For example, a partial risk ratio based on the personal characteristics information 1400 may be calculated through analysis between the personal characteristics information 1400 and the stage affiliation characteristic information 1420 and reflected in the user's credit rating. The risk rate according to the individual characteristic information can be calculated in consideration of the stage completion information of the user having the specific personal characteristic information 1400 and the delinquent information of the user's amount of payment.

As another example, the P2P financial services server may group users into one of a plurality of user characteristics groups based on the personal characteristics information 1400. [ The P2P financial service server can calculate the partial risk rate for each user characteristic group and reflect it in the user's credit rating.

The analysis result between the personal characteristic information 1400 of the P2P financial service server and the stage subscription characteristic information 1420 is continuously fed back and the result of the feedback is used to generate a separate partial risk rate Can be adjusted.

15 is a conceptual diagram showing succession between users in a stage according to an embodiment of the present invention.

Fig. 15 discloses a method for performing succession between users during the progress of a stage.

Referring to FIG. 15, for example, when a delinquency occurs due to a continuous payment amount of a specific user during the progress of the stage, or when a credit rating of a particular user falls to a credit rating not participating in the stage during the stage, The participation of the user's stage is limited and another user can subscribe to the stage by inheriting a specific user. Hereinafter, the user who has inherited the stage participation space (or the sequence order) may be represented by the stage succession user 1540 and the user who inherits the succession user may be referred to as the stage departure user 1500.

According to the embodiment of the present invention, the P2P financial service server selects the candidate stage succession user 1520 and notifies the candidate stage succession user 1520 of succession of the stage participation space (or stage sequence number) of the stage leaving user 1500 Can be performed.

Candidate stage succession user 1520 may be determined based on information about a stage that is pre-established by the user (or interested). Candidate stage succession user 1520 may be a user who additionally sets participation of the stage through succession of users as possible.

For example, the user can set information on the participant of the stage, the contract amount, the interest rate, the sequence number of the stage, the category, and the like as the information (hereinafter, referred to as interested stage information)

The information on the participant number of the stage predetermined by the user includes information on the user set stage participant information, information on the contract amount of the stage preset by the user is information on the user setting commitment amount, information on the contract rate of the stage Information on the user-set commitment rate information, information on the sequence number preset by the user may be expressed by the user-set stage sequence number information, and information on the stage category preset by the user may be referred to as user-set stage category information.

The P2P financial service server determines the user as a candidate stage succession user 1520 when a departing user occurs on a stage having the same / similar character as the stage desired by the user based on the interest stage information set by the user, It is possible to confirm whether or not to join as the stage succession user 1540.

The P2P financial service server may perform the following determination procedure to determine whether the stage in which the stage leaving user is the same as or similar to the stage of interest desired by the user.

16 is a conceptual diagram illustrating a determination procedure of a P2P financial service server for succession between users in a stage according to an embodiment of the present invention.

In Fig. 16, a judgment procedure of a P2P financial service server for succession among users is started during the progress of the stage.

Referring to FIG. 16, the P2P financial service server determines whether the subscription purpose of the stage of the user is the same as the stage joining purpose of the stage leaving user (step S1600).

The subscription purpose of the stage of the user can be determined by the stage sequence number group including the user set stage sequence number. The stage attendance objective of the stage departure user can be determined by the stage order number group including the stage order number of the stage departure user. The subscription purpose of the user's stage can be determined as a loan or an investment based on the stage sequence group.

The P2P financial service server determines whether or not the receipt time of the payment amount considering the receipt time of the payment amount of the stage leaving user and the user's setting stage number of the user falls within the critical range (step S1610).

For example, when the receipt time of the payment amount of the stage leaving user is three times after the delivery time based on the current point, the user set stage order is the second rank, and the threshold range is in the order of -1 to + 1, The time of receipt of the payment amount considering the receipt time of the user's payment amount and the sequence number of the user's personalization stage may belong to the critical range.

The P2P financial service server determines whether the user can pay for the commitment amount of the stage (step S1620).

The P2P financial service server can determine whether or not the user can pay for the contract amount set in the stage in consideration of the limit of the user's credit rating (basic limit by class and special limit by class).

The P2P financial service server determines whether the interest rate of the stage and the user's set interest rate belong to the threshold range (step S1630).

For example, if you have a stage interest rate of 7%, a user interest rate of 5%, and a threshold range of -2% to + 2%, the rate of the stage where the stage exit user originates, The set rate can be in the critical range.

When the steps S1600 to S1630 are satisfied, the P2P financial service server can determine the stage in which the stage leaving user is generated as a stage having a high degree of similarity to the interested stage desired by the user. The P2P financial service server can provide information about the stage and can confirm to the user whether or not to join the stage as a stage successor user of the stage.

FIG. 17 is a conceptual diagram illustrating an inter-stage combining procedure according to an embodiment of the present invention.

In Fig. 17, a method for generating a stage through a combination between stages that can not allocate all of the stage participation spaces (or stage order numbers) is disclosed.

Referring to FIG. 17, the P2P financial service server can recruit users to participate in the stage by setting a deadline on the created stage.

If the P2P financial service server fails to allocate a user to all the stage participating spaces of the stage (the first assignment failure stage 1710) within the set period, the other P2P financial service server fails to assign the user to all the stage participating spaces of the stage within the set period And a stage (second allocation failure stage 1720) to generate an allocation success stage.

Hereinafter, the case of creating an allocation success stage based on a combination of two allocation failure stages is disclosed for convenience of explanation, but an allocation success stage may be generated based on a combination of two or more allocation failure stages.

Specifically, the P2P financial services server may determine the stage characteristics of the first allocation failure stage 1710 and the characteristics of the second allocation failure stage 1720 for combination between the first allocation failure stage 1710 and the second allocation failure stage 1720 Can be determined.

(Or first stage participant space) set in the first assignment failure stage 1710, the first commitment amount, the first interest rate, and the second participant set in the second assignment failure stage 1720 The similarity between the first allocation failure stage 1710 and the second allocation failure stage 1720 can be determined through comparison between the second commitment amount and the second interest rate. The degree of similarity between assignment failure stages can be calculated by setting the weight for the participant to the highest.

If the similarity of the stage characteristics of the first allocation failure stage 1710 and the characteristics of the second allocation failure stage 1720 is equal to or greater than the threshold value, the stage allocation space allocated in the first allocation failure stage 1710 and the second allocation failure stage 1720 may determine whether they are overlapped with the allocated space of the stage.

If the assigned stage participating space in the first allocation failure stage 1710 and the allocated stage space allocated in the second allocation failure stage 1720 do not overlap, the first allocation failure stage 1710 and the second allocation failure stage 1720 may be set as a combining candidate.

Even if the stage-participating space assigned in the first allocation failure stage 1710 overlaps with the stage-participating space allocated in the second allocation failure stage 1720, the previous stage sequence numbers of the stage sequence numbers of the overlapped stage- The first allocation failure stage 1710 and the second allocation failure stage 1720 are performed with the consent of the movement of the stage participation space of at least one of the users assigned the overlapped stage participation space, ) Can be set as a combining candidate.

The P2P financial services server may send a new payment to the user participating in the first allocation failure stage 1710 and the user participating in the second allocation failure stage 1720 based on the first commitment amount, the first interest rate, the second commitment amount, The contract amount, and the new interest rate.

The new commitment amount may be the minimum of the first commitment amount and the second commitment amount (or the average of the first commitment amount and the second commitment amount), and the new benefit amount may be a maximum value among the first benefit ratio and the second benefit ratio The average of the commitment amount and the second commitment amount).

If the user participating in the first allocation failure stage 1710 and the user participating in the second allocation failure stage 1720 agree on a new commitment amount and a new interest rate, the first allocation failure stage 1710 and the second allocation failure stage 1720 are combined and the stage can be started as an assignment success stage.

18 is a conceptual diagram illustrating a method of recommending a stage to a user according to an embodiment of the present invention.

18 discloses a method for inducing subscription to a stage through recommendation to a stage opened to the user.

Referring to FIG. 18, it is determined whether there is a stage to which a user's set stage sequence number can be allocated among the stages in which the P2P financial service server is established (step S1800).

The setting sequence number of the user may be directly set by the user, but may be determined based on the record of the stage in which the user has previously participated. For example, when the user selects the stage sequence number within the first to third order in the stage to which the user has previously subscribed, the user's set stage sequence number can be determined from one to three.

The P2P financial service server determines the degree of similarity between the contracted amount and interest rate of the stage including the user's set stage number and the set contract amount and the set interest rate of the user (step S1810).

The user's setting commitment amount and the setting interest rate may be directly set by the user, but may be determined based on the record of the stage in which the user participates in the past. For example, the contracted amount of the user and the set interest rate may be set based on the record of the contracted amount and the interest rate of the stage that the user has previously subscribed to.

The degree of similarity between the contracted amount of the stage and the interest rate, the set commitment amount of the user, and the set interest rate can be determined based on the first partial similarity degree between the contracted amount of the stage and the set contract amount, the interest rate of the stage, and the second partial similarity rate. For example, the first partial similarity may be set to have a maximum value when the set contract amount is equal to the contract amount, and to have a lower similarity as the difference between the set contract amount and the contract amount becomes larger. At this time. If the commitment amount is greater than the set commitment amount, the similarity degree may be reduced more quickly if the commitment amount is smaller than the set commitment amount.

For example, the second partial similarity may be determined differently according to the user's setting stage sequence number.

In the case where the user's set stage number is the priority for the purpose of lending, the similarity degree becomes relatively higher as the interest rate of the stage becomes smaller than the set interest rate. On the contrary, if the user's set stage order is a subordinate for investment purpose, The larger the set rate, the higher the degree of similarity.

 The P2P financial service server transmits information on the recommendation stage to the user apparatus of the user in descending order of similarity (step S1820).

 The P2P financial service server may transmit recommendation stage information including stage information opened to the user apparatus in order of the calculated similarity. The user can subscribe to the stage by selecting the stage based on the recommendation stage information.

19 is a conceptual diagram illustrating a method of transmitting product advertisement information to a user in consideration of category information of a stage according to an embodiment of the present invention.

FIG. 19 discloses a method of transmitting advertisement information when a user performs a stage-based P2P financial application considering information on a category of a stage set in the stage.

Referring to Fig. 19, the category of the stage can be set as described above.

The information on the category of the stage may include information on the goods to be purchased as the payment amount paid through the stage. For example, the category of the stage may be set up like a pocket, a computer / a home appliance, a trip, a fashion goods, a beauty, an instrument, a wedding, an infant, a furniture / interior, a car / a motorcycle, The category of the stage may be set more specifically to a specific commodity.

The P2P financial service server can transmit the advertisement information 1940 to the user device of the user subscribing to the stage based on the category information 1900 of the stage. When the category information of the stage is set as a computer / home appliance, the user can output a stage-based P2P financial application as a banner to an advertisement for a notebook computer, a home appliance, and the like.

As another example, per-user advertisement information 1940 may be transmitted in consideration of the setting category information 1920 of users subscribed to the stage. The users can input category information at the time of subscription to the stage, and the P2P financial service server may transmit adaptive customized advertisement information 1940 to the user based on the category information input by the user.

According to the embodiment of the present invention, the progress of the joint purchase may be performed in consideration of the setting category information of the users subscribed to the stage. If the payment amount is paid within a certain period of time and the goods to be purchased based on the payment amount are the same, the P2P financial service server may require the user to purchase the product at a lower price. A joint purchase procedure for the product can be performed.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specifically designed and configured for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, medium, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code, such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be modified into one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications and changes may be made thereto without departing from the scope of the present invention.

Accordingly, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all ranges that are equivalent to or equivalent to the claims of the present invention as well as the claims .

Claims (1)

The method of operating the P2P (peer-to-peer) financial service based on the stage is as follows.
Receiving a transfer request of a stage-based P2P financial application from a user device either directly or indirectly via a relay server; And
Based P2P financial application to the user device either directly or indirectly through the relay server,
Wherein the stage-based P2P financial application is implemented for creating or participating in a stage based on the user device,
Wherein the stage includes a plurality of stage participating spaces,
Wherein each of the plurality of stage participating spaces sequentially corresponds to each of the plurality of stage sequences.

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