KR20180066004A - Method for providing monetary information of investor and beneficiary in the rending financial service and apparatus thereof - Google Patents

Abstract

In a method for providing monetary information of an investor and a beneficiary in an investor collection-based loan financial service, a financial technology service device can store loan information according to a loan execution process and investor information according to a funding process. The financial technology service device can provide a first amount to be paid to the investor and a second amount to be paid to the designated beneficiary based on the investor information and the loan information according to an inquiry request, as an inquiry result. Accordingly, the present invention can provide the monetary information to be distributed to the beneficiary and the investor participating in the funding process and reduce an investment recovery day.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for providing financial information to an investor and a beneficiary of a loan financial service,

The present invention relates to a method and apparatus for providing information on an investor and a beneficiary of a loan financial service, and more particularly, to a method and apparatus for providing information on a loan, The present invention relates to a method and apparatus for providing information on an investor and a beneficiary of a loan financial service, which connects plural investors who invest in each other and provides money information to be distributed to an investor participating in the investment recruitment process and a predetermined beneficiary.

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

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

Among the crowdfunding systems, there is a loan crowdfunding system. However, there is a problem that due to weak legal support for crowdfunding, the fund recovery rate is too low and the investor's financial loss is virtually defenseless.

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

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

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

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

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

On the other hand, in the case of a company that purchases and sells a large amount of goods such as luxury goods, operating funds may be needed for the commodity trading business conducted by the company. However, due to the limited amount of operating funds available to the company, large-scale commodity trading businesses could not proceed despite good business opportunities. In addition, many promotional expenses will be used to promote the commodity trading business.

Therefore, in terms of companies that buy and sell goods, a large number of participants participate as investors through P2P loans and crowdfunding, and new alternatives are needed to secure stable operating funds for the commodity trading business. Also, in order to attract a large number of participants, it is necessary to effectively promote the commodity trading business of the relevant company.

On the other hand, investors participating in P2P loan need to provide reliable information about the subjects of P2P loan.

In addition, for investors participating in P2P loans, new measures are needed to provide information on new investment destinations.

A problem to be solved by the present invention is to provide a system for connecting a lender loaned with a loan interest and a plurality of investors investing a cash asset so that the loan can be executed to the lender, The present invention provides a method and apparatus for providing information on an investor and a beneficiary of a financial investment service based on an investment recruitment-based loan service, which provides information on a money source to be distributed to a predetermined beneficiary.

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

According to one aspect of the present invention, the investor and beneficiary of the loan financial service in the financial service information providing method can store the investor information according to the investment process and the loan information according to the loan execution process. The financial technical service device can provide the first amount to be paid to the investor based on the investor information and the loan information according to the inquiry request and the second amount to be paid to the designated beneficiary.

According to another aspect of the present invention, there is provided a financial technical service apparatus including a data storage unit for storing investor information according to an investment process and a loan execution process according to a loan execution process for an investor and a beneficiary, And a processor. Here, the processor may provide a first amount of money to be paid to the investor based on the investor information and the loan information, and a second amount to be paid to the designated beneficiary as the inquiry result, in response to the inquiry.

The processor can calculate a first amount to be paid to the investor based on the investor information and the loan information and a second amount to be paid to the specified beneficiary.

The processor may designate a beneficiary based on a selection of at least one of an investor, a borrower, or an operator of a financial technology service device.

According to the present invention, a lender who pledges to pay out interest and lends money, and a plurality of investors who invest cash assets so that the lender can execute the loan are connected to each other, and the investor participating in the investment recruitment process and the pre- Can be provided to the user.

According to the present invention, a lender who pays the necessary funds with the guarantee of payment based on the fund recovery plan agreed for the commodity trading business, and a plurality of investors who invest their own cash assets on the condition of receiving the investment return It can be connected to each other through a P2P loan through mediation of the promised money to the beneficiary.

As a result, in the case of the commodity trading business, it is possible to secure the entire amount of funds through the P2P loan through the payment of the committed money to the beneficiary, and to input it into the commodity trading business, Can be performed more quickly. In addition, as the commodity trading business progresses faster, the investment recovery period of the commodity trading business can be accelerated.

In addition, the information of the goods trading business is provided to the investors through the payment of the agreed money to the beneficiary, so that it becomes possible to promote the goods trading business and attract the investment.

The investment reference material includes an analysis of the money-back plan and the commodity trading business on which the payment guarantee is based. Here, investor inquiries about investment references may arise. A large number of views means that investors have access to information on the commodity trading business. This will enable investors to make investor relations (IR) of the commodity trading business.

Thus, it becomes possible to publicize enough information about the commodity trading business to the individual investors, for example, through the payment of the agreed money to the beneficiary.

In addition, companies that want to conduct a promising commodity trading business can create new profits rather than just borrowing and borrowing the money they need. For example, it may be possible to meet angel investors with promising companies.

Therefore, the lender and the investor will start with the relationship that the investor invests the cash assets and takes the return on the interest by means of the payment of the agreed money to the beneficiary. However, It is also possible to create a new opportunity to participate as a good business partner.

As a result, investors can have another opportunity and motivation to invest.

Therefore, according to the present invention, public relations marketing and investor management functions can be exercised to companies preparing for the commodity trading business through the payment of the agreed money money to the beneficiary.

According to the present invention, a P2P loan can be used as a means of branding a positive image to a commodity trading business and a company, and linking investors, by mediating the payment of the agreed money to the beneficiary.

According to the present invention, by properly linking peer-to-peer (P2P) loans and crowd funding through Internet-based technologies, a lender can receive a loan as a payment guarantee pledged for commodity trading business, Investors can obtain the stability and convenience of transactions and relatively high returns, and they can secure a positive evaluation in accordance with social values through the payment of the agreed money to the beneficiary.

According to the present invention, investment decision information provided to investors includes investment decision information to which information asymmetry is applied. It is possible to optimize the information available to investors at the level of investors based on demand forecasting result information obtained through demand prediction as informal investment decision information.

By setting different types of information that can be browsed according to the investor 's rating on informal investment decision information, it is possible to provide practical assistance in investment considering the tendency of the investor.

Accordingly, it is possible to provide general members with information of a plain type in accordance with the eye level of general members, thereby making it possible to judge whether or not to invest in the investment information without imposing a psychological burden on the investment information. In addition, it is possible to avoid the side effects of forming a psychological barrier by aggravating the confusion about the investment information by preventing the general members from listing too specialized information.

Likewise, the expert members can provide a kind of information that is in line with the eye of the expert members, thereby providing an opportunity for thorough examination of the investment information, thereby effectively determining whether or not to invest. In addition, it is possible to prevent the adverse effects of not giving psychological credibility to the investment information by preventing the general information from being listed to the expert members in advance.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

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

According to the present invention, it is possible to secure investment by securing the payment guarantee as a fund recovery plan of the commodity trading business by avoiding the frame of credit that was handled in the conventional lending system.

According to the present invention, it is possible to invest money in a commodity trading business and secure loans by using a P2P platform by linking an asset trader (lender) with a personal lender (investor) by connecting cash assets and investments to PinTech in the era of P2P lending . In addition, it became possible to distribute the investment income generated from the operation of the commodity trading business to the investors and to make the promised money to be paid to the beneficiary.

FIG. 1 is a view for explaining the concept of an investor and a beneficiary money information providing service of an investment recruitment-based loan financial service according to an embodiment of the present invention.
2 is a diagram for explaining an investor and a beneficiary money information providing system of an investment recruitment-based loan financial service according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service apparatus in an investor and beneficiary money information providing system of an investment recruitment-based loan financial service according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method for providing information on an investor and a beneficiary of a loan in an investment recruitment-based loan financial service according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a lending availability authentication process in a P2P loan financial technology service method according to an exemplary embodiment of the present invention.
FIG. 6 is a flowchart for explaining a loan demand forecasting investigation process in an investor and beneficiary money information providing method of an investment offer-based loan financial service according to an embodiment of the present invention.
FIG. 7 is a diagram for explaining the concept of an investor and a beneficiary money-money providing service of an investment-based loan financing service according to another embodiment of the present invention.

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

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

FIG. 1 is a view for explaining the concept of an investor and a beneficiary money information service in an investment recruitment-based loan financial service according to an embodiment of the present invention.

Referring to FIG. 1, an investor and a beneficiary money information providing service of an investment recruitment-based loan financial service according to an embodiment of the present invention can be provided by a financial technology service company 1. Here, the financial technology service company (1) may be an investment recruitment-based loan financial technology service company. For example, a P2P-based financial technology service company. However, the present invention is not limited thereto.

A financial technology service company (1), for example, has an investment advisory company (2) that performs valuation of payment guarantees based on a fund recovery plan agreed for the commodity trading business and a business associate (2) (4) and the investor (5) by P2P loan method to provide the information of the money to be distributed to the investor (5) participating in the investment recruitment process and the pre-designated beneficiary (6) Of the investor and the beneficiary.

The affiliated financial institution (3) can carry out investment deposit, loan payment, interest payment, repayment of principal and interest, payment of investment and settlement of profit distribution.

The borrower (4) may make a P2P loan by pledging to pay the interest with the guarantee of payment based on the money-back plan promised for the commodity trading business.

For example, the lender 4 may be a company (an individual or a group) who proceeds a commodity trading business that purchases and sells a large amount of luxury goods. If the borrower (4) is an arbitrator, he / she can establish a commissioned recovery plan for the commodity trading business for selling luxury goods. The borrower (4) may borrow funds to purchase the luxury goods as collateral for the payment guarantee based on the agreed payment plan. Accordingly, the borrower 4 agrees to pay interest.

The borrower (4), according to the terms of the loan, periodically prepays the interest to the financial technology service company (11) and repays the principal on the due date.

The borrower (4) can purchase the item to be sold using the funds borrowed from the financial technology service company (1) and the funds secured by itself, and proceed with the sales event.

Here, the commodity trading business may include a variety of commodity purchase business, commodity sales business, commodity rental business, and commodity rental business, for which funds are planned and can be carried out, for example, in the business. Goods leasing business may also include space renting business.

Investors (5) want to invest their cash assets in a crowdfunded way. For example, the investor 5 may be an investor who wants to purchase a luxury article. For example, an investor (5) may invest cash assets in a financial technology service company (1) using crowdfunding method for luxury trading business. Accordingly, the investor (5) can receive the interest settled by the financial technology service company (1), receive the principal repayment on the loan repayment date, and can receive a portion of the generated revenue. In addition, the beneficiary (6) is also eligible to receive the pledged money. For example, the beneficiary (6) can also receive a portion of the generated revenue.

The investment adviser (2), affiliated financial institution (3), borrower (4), investor (5) and beneficiary (6)

A financial technology service company (1) may conduct a demand forecast survey on an investor (5) to determine or determine the availability of investment for arbitrary loan condition information. Accordingly, the borrower 4 may modify the loan application information including the loan condition so as to correspond to the demand forecast result.

Investors and beneficiaries of financial services companies (1) Investors and beneficiaries of financial services Loan information service is to provide the loaner (4) with the necessary funds for the borrower (4) as collateral, based on the fund- It can be done by executing a loan.

In addition, the P2P loan finance technology service of the financial technology service company (1) collects the funds of the investors (5) who want to invest the cash assets possessed by the crowd funding method, and the fund collection plan To the lender who wishes to make a loan.

To this end, the financial technology service company (1) receives the loan application from the lender (4) who desires to borrow the loan with the guarantee of payment based on the agreed payment plan for the commodity trading business.

 The financial technology service company (1) may refer the investment adviser (2) to the valuation of the money-back plan for which the lender (4) is committed for the commodity trading business on which the payment guarantee is based. The investment adviser (2) may provide the value to the financial technology service company (1) for the payment guarantee for the money-back plan promised for the commodity trading business on which the requested payment guarantee is based.

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

Here, interest can be paid in cash or in vouchers or in kind. Here, the investment proceeds may include the investment proceeds generated through the commodity trading business.

In addition, the financial technology service company (1) is responsible for establishing a commodity-related plan for the commodity trading business that is the basis of the payment guarantee in the course of linking the lender (4) and the investor (5) The information of the transaction business can be provided to the investor (5) and the beneficiary (6), thereby making it possible to promote the commodity trading business and attract the investment.

To this end, the financial technology service company 1 generates information on the commodity trading business related to the commodity trading plan for the commodity trading business, which is the basis of the payment guarantee provided by the lender 4, and provides it to the investors 5 .

Information on the commodity trading business related to the money-back plan promised for the commodity trading business, which is the basis of the payment guarantee provided to the investor (5) at this time, shall include the information of investment reference selected for the purpose of promoting the commodity trading business and attracting the investment . Investment reference information includes summary of loan receivables, outline of loan receivables, purpose of loan, details of plan for return of funds, introduction of loan customers, information on the principal of the money-back plan promised for the commodity trading business, The value of the money-back plan, the business introduction information of the company, the investor's reward information, and the information about the investment risk.

The affiliated financial institution (3) may receive the investment money from the investor (5) who has been approved by the financial technology service company (1) to apply for investment. Here, the affiliated financial institution (3) may be a financial transaction institution such as a bank, a mutual savings bank, a credit union, or a cooperative. The affiliated financial institution (3) may be a lender. The affiliated financial institution (3) may be a private equity fund operator. The affiliate financial institution (3) may be a personal asset manager.

The affiliate financial institution 3 executes the loan to the lender 4 who has been approved by the financial technology service company 1 and performs the interest and principal repayment procedure periodically or irregularly from the lender 4 .

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

In addition, the affiliated financial institution (3) may perform the profit distribution calculation procedure for the income generated by the execution of the commodity trading business for the investment money to the investor (5) who deposited the investment money.

In addition, the affiliated financial institution (3) may perform the procedure of awarding the agreed money to the designated beneficiary (6). In this case, the profit sharing settlement procedure may be performed on the revenue generated by the execution of the commodity trading business.

2 is a diagram for explaining an investor and a beneficiary money information providing system of an investment recruitment-based loan financial service according to an embodiment of the present invention.

Referring to FIG. 2, in an investor and beneficiary money information providing system of an investment recruitment-based loan financial service according to an embodiment of the present invention, a financial technical service apparatus 100 includes an advisory support server 200 through a wired / wireless communication network, The first information terminal 400, the second information terminal 500, and the third information terminal 600 to perform processing and communication of various data and electronic signals for the financial technology service, in cooperation with the server 300, the first information terminal 400, the second information terminal 500, have. Here, the financial technology service may be an investment recruitment-based loan financial service. For example, a P2P loan financial technology service.

The financial technical service apparatus 100 includes various data required for the investor and beneficiary information providing service of the investment recruitment-based loan financial service of the financial technology service company 1 and various processors for processing and communicating electronic signals Lt; / RTI >

Investment Loan-based Loan Investors and Beneficiaries of Financial Services The loan money information service is provided to the borrower who is required to borrow the necessary funds with the guarantee of payment based on the money-back plan promised for the commodity trading business, A number of investors investing in cash assets can be linked through P2P loans. In the process, the investor of the investment recruitment loan financial service and the beneficiary information service of the gold money information can provide information of the commodity trading business to the investors, thereby making it possible to promote the commodity trading business and attract the investment. Of course, the beneficiary can also be provided with information on the commodity trading business, thereby promoting the commodity trading business and attracting the investment.

In addition, the investor and beneficiary of the investment recruitment loan financial service may be set to distribute the profit from the lender and the investor when the revenue from the operation of the commodity trading business occurs. At this time, the designated beneficiary may be set to receive the committed money source. For example, it could be part of the revenue generated.

Therefore, the investor and beneficiary of the investment recruitment loan finance service properly reflect that the investor and the borrower may have different views on the investment profitability of the commodity trading business during the demand forecasting process through the P2P loan platform.

In other words, the investor and beneficiary of the investment recruitment loan financial service, the information service of the gold money information, when the revenue from the operation of the commodity trading business occurs, the loan is distributed to the lender and the investor at mutually agreed rates, It is a P2P loan financial technology service that allows you to negotiate loan amount and loan interest rate.

If the investor anticipates that the return on investment will be large in the course of the operation of the commodity trading business, the investor may request a portion of the investment return on the operation of the commodity trading business, which sets the loan interest rate low.

In this way, according to the expectation of the investment income distribution according to the operation of the commodity trading business of the investor, the borrower can reduce the burden of the fixed cost and receive a large amount of the loan. On the other hand, investors can receive stable fixed interest rates and give expectations about the return on investment that can be generated as the commodity trading business operates well. In each case, the designated beneficiary can also be set to receive the committed money source. For example, it could be part of the revenue generated.

For this purpose, the financial technical service apparatus 100 provides various kinds of data and electronic signals required for proceeding with the process of executing the loan of necessary funds with the guarantee of payment based on the fund recovery plan agreed for the commodity trading business And a processor for performing communication.

In addition, the financial technical service apparatus 100 includes an investment adviser (2) who performs a valuation on a payment guarantee based on a fund recovery plan agreed to by the financial technology service company (1) for the commodity trading business, interest and principal And a processor for processing and communicating various data and electronic signals necessary for proceeding with the affiliate financial institution 3 performing the redemption and profit distribution settlement procedures.

In addition, the financial technology service apparatus 100 is a system in which a lender (4) who desires to receive a loan guarantee based on the agreed-upon money-recovery plan for the commodity trading business and a lender (5) to the investor (5) who has participated in the investment recruitment process and the pre-designated beneficiary (6) by connecting the investor (5) to the investor and beneficiary And a processor for performing communication and processing of various kinds of data and electronic signals required to carry out the present invention.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 400, the financial technology service apparatus 100 judges whether the loan is available or not And transfers the loan to the borrower 4 through the affiliated financial institution 3 of the financial support server 300 when it is determined that the loan can be made.

At this time, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 5, and to transfer the loan to the lender 4 determined to be lendable by using it, (4) to the investor and transfer the investment money collected in response to the loan application information to the lender (4). However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

The consulting support server 200 calculates the value of the payment guarantee based on the agreed-upon money-saving plan for the commodity trading business requested for evaluation performed by the investment adviser 2 and provides the value to the financial technical service company 1 And various processors for performing processing and communication of various data and electronic signals.

The advisory support server 200 measures the quantitative and qualitative values based on various data obtained through the information on the progress of the goods transaction business of the relevant company or the visit of the direct company when the owner of the goods transaction business is a company Quantitative and qualitative measurement data can be generated.

Advisory support server 200 can calculate the probability of insolvency of the commodity trading business by various scenario approach.

The financial support server 300 may include various data for a financial technology service performed by the affiliated financial institution 3 and various processors for processing and communicating electronic signals.

For this purpose, the financial support server 300 has a function of transferring various data required for receiving the investment money from the investor 5 who has received the investment application approval by the financial technology service company 1, And a processor for performing the operation.

The financial support server 300 also executes a loan to the borrower 4 whose partner financial institution 3 has received the loan approval by the financial technology service company 1 and receives the interest and principal repayment procedure from the borrower 4 And a processor for performing processing and communication of various data and electronic signals required for periodically or irregularly performing various kinds of data.

Also, the financial support server 300 periodically or irregularly provides interest on the investment to the investor 5 to which the affiliated financial institution 3 has deposited the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal. Here, interest can be paid in cash, vouchers, or in kind. The present invention is not limited thereto and interest may be paid in various forms depending on the choice.

In addition, the financial support server 300 may perform the profit distribution settlement procedure for the investment money to the investor 5 who has deposited the investment money. Here, the investment proceeds may include the investment proceeds generated through the commodity trading business.

In addition, the financial support server 300 may perform a profit distribution settlement procedure for providing the money source information to be distributed to the predetermined beneficiary 6, respectively. Here, the investment proceeds may include, for example, the investment proceeds generated through the commodity trading business.

FIG. 3 is a diagram for explaining a financial technology service apparatus in an investor and beneficiary money information providing system of an investment recruitment-based loan financial service according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service apparatus 100 may include a data storage unit 110 and a processor 120.

The data storage unit 110 stores the secured loan application information, the investment product information, and the security information, which include the agreed-upon capital recovery plan information and the loan condition information for the commodity trading business that is the basis of the payment guarantee received from the first information terminal 400, And investment application information.

In this case, the information on the plan for collecting the money may include setting the movable property security for the goods to be purchased by the borrower as the money to be borrowed and disposing of the items set as security as the case of failing to pay the interest payment or the repayment schedule have.

The fund collection plan information may include receiving a portion or all of the sales proceeds up to a predetermined amount when the article is sold.

The funds collection plan information may include setting up collateral for the trade receivables of the principal place of business of the goods operated by the lender.

The plan for collecting funds may include establishing a joint guarantee for the CEO or internal director if the borrower is a business.

The funds collection plan information may include notarizing the loan receivables.

The fund redemption plan information may include pledging the interest of the lender or the lenders' representative directors to enhance the payment guarantees.

The processor 120 may receive the loan application information for requesting the loan from the first information terminal 400 with the guarantee of payment based on the agreed-upon money-recovery plan for the commodity trading business.

The processor 120 may communicate with the first information terminal 400 and provide the first information terminal 400 with screen information for receiving the loan application information from the first information terminal 400. [

The processor 120 transmits the valuation request information to the consulting support server 200 regarding the committed money collection plan for the commodity trading business on which the payment guarantee is based. To this end, the processor 120 generates value evaluation requesting information based on the loan application information input from the first information terminal 400.

The processor 120 communicates with the first information terminal 400 to perform the process of generating and storing the payment guarantee information based on the committed money collection plan for the commodity trading business.

The processor 120 may provide the generated payment guarantee information to the first information terminal 400. [

The processor 120 may receive the investor preference information preferred by the borrower to the investor for the fund management of the commodity trading business from the loan application information received from the first information terminal 400. [

Here, the investor preference information can be classified according to the investment propensity of the investor. For example, an arbitrary lender may prefer an aggressive investor to promote his commodity trading business. For example, any lender may prefer a stable investor to promote his commodity trading business.

The investor preference information can be divided by the investor's amount. For example, any lender may prefer a small number of investors who invest a lot of money to promote their commodity trading business.

On the other hand, any lender may prefer a large number of investors who invest a small amount of money to promote their commodity trading business.

The processor 120 may classify the investors based on the investor preference information received from the first information terminal 400 and process the data for publicity and investment attraction service of the goods transaction business.

The processor 120 uses the P2P loan based on the loan application information from the first information terminal 400 to brand a positive image to a company associated with the money collection plan of the commodity trading business and to link the investor You can generate investment reference information to play a role.

For example, the processor 120 may include a photographic image of the vendor or a photographic image of the vendor promotional model in the investment reference information in order to activate the brand of the vendor of the commodity trading business.

In addition, the processor 120 may include target information for branding in investment reference information. For example, the target information for branding may generally be a company, a cooperating organization, a cooperating company, or a cooperative worker who manages the commodity trading business. The processor 120 may also include mediation information that may be used to brand target information for branding investment reference information. Here, the mediating information may include a person, color, sound, word, sentence, image, text, or image information. The mediation information may be selected as needed.

The processor 120 may include, as intermediate information, a photograph and a memorandum for further reminding the commodity trading business and the subject company.

The processor 120 may include design, technology, patent, mark, or trademark related to the commodity trading business to inform the commodity trading business in addition to the photograph of the main supplier as the mediating information.

In addition, the processor 120 may include the product of the commodity trading business, the product of the commodity trading business, the information of the member of the commodity trading business, the expected performance of the commodity trading business, and the financial information and the investment attraction information.

Accordingly, when an arbitrary investor views photographs, logos, a unique design of a circuit, a technical introduction, or a patent, the commodity trading business and the subject company can be naturally branded. As a result, the commodity trading business and the main sponsor may naturally be promoted to investors.

The processor 120 may receive an investment application signal from the second information terminal 500. [ The processor 120 may communicate with the second information terminal 500 and provide screen information to the second information terminal 500 to receive investment application information from the second information terminal 500. [

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

For example, the loan repayment method may include a principal repayment maturity repayment method, principal repayment method, and interest monthly payment method.

The processor 120 may classify the investors from the investment application information received from the second information terminal 500. [

For example, processor 120 may classify each investor by investor preference from investment application information. For example, investors can be divided into aggressive investors and stable investors.

For example, the processor 120 may classify each investor according to the investment amount from the investment application information.

For example, the processor 120 may classify each investor according to the preferred item from the investment application information.

Meanwhile, the processor 120 may provide investment reference information differently for each investor classified from the investment application information.

For example, the processor 120 may preferentially provide investment reference information based on the investor preference information included in the loan application information received from the first information terminal 400. [

For example, if an arbitrary lender prefers an aggressive investor to promote his commodity trading business and the sponsor, the processor 120 may preferentially provide the investment reference information to the aggressive investor .

Meanwhile, if an arbitrary lender prefers a stable investor in order to promote his or her commodity trading business and the sponsoring company, the processor 120 can preferentially provide the investment reference information to the investor with a stable tendency.

Similarly, for example, if a borrower prefers a small number of investors who invest a large amount of money to promote their commodity trading business and the sponsor, the processor 120 may provide a small number of investors Reference information can be given priority.

On the other hand, if, for example, an arbitrary lender prefers a large number of investors who invest a small amount of money to promote their commodity trading business and the governing entity, the processor 120 may send a large amount of money to a large number of investors The investment reference information can be given priority.

In addition, the processor 120 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information.

The investor analysis information may include investment amount, investment preference product, and investor management grade for each investor.

Here, investor management information can be generated so that it can be used for the commodity trading business and for promoting and attracting the investors. To this end, investor management information can be classified into, for example, simple investor class, constituent participant investor class, and core investor class. Here, a simple investor class may simply include investors who have an interest in the loan interest of an investment-based loan finance service. The participating investor class may include investors who are likely to participate or participate in the commodity trading business introduced in the investment reference information. The core investor class may include an investor who is willing to invest in the commodity trading business and the subject company.

The processor 120 may provide the investor analysis information to the first information terminal 400 and the advisory support server 200. [

The processor 120 may perform a process for providing the investor and the beneficiary money source using the loan finance technology.

For this, the processor 120 stores the investor information according to the investment process and the loan information according to the loan execution process.

The processor 120 may calculate the first amount to be paid to the investor 5 and the second amount to be paid to the designated beneficiary 6 based on the investor information and the loan information.

The processor 120 may provide the first amount and the second amount calculated as the inquiry result when there is an inquiry request.

The processor 120 may calculate the first amount and the second amount and provide the inquiry result as a result of inquiry.

Here, the beneficiary (6) refers to the person who received the benefit of additional money based on the investment proposal, in addition to the investor.

Here, the beneficiary (6) may be an individual or an organization to receive donations or sponsorship. A user interface may be configured so that the borrower 4 can determine the beneficiary 6. In this case, the lender (4) can attract the investor by publicizing that the beneficiary (6) designated by the lender (4) can benefit from the gold prize when the lender (4)

A user interface may be configured to allow the platform operator to determine the beneficiary (6). In this case, the platform operator can mark multiple beneficiaries and decide which beneficiaries the users choose as final beneficiaries.

A user interface may be configured so that the investor (5) can determine the beneficiary (6). To this end, the investor 5 can select the beneficiary he / she desires from among the single or plural beneficiary information displayed in the predetermined area. The investor 5 can register the beneficiary by inputting the information of the beneficiary whom he / she wants although it is not shown.

For example, an investor (5) can select a beneficiary (6) to donate or donate his or her own money, which can be additionally generated by the commodity that he invests. It may be, for example, alumni associations, alumni associations, athletic clubs, local organizations, nonprofit organizations, for-profit organizations, orphanages, nursing homes, poor neighborhoods, unwed mothers support centers, fire stations, police stations,

The user interface may be configured such that the account information corresponding to the beneficiary 6 is displayed for designation of the beneficiary 6. The user interface can be configured so that various objects for identifying the beneficiary 6 for the designation of the beneficiary 6 are displayed. Here, the object may be, for example, an icon, a banner, a caricature, an image, a photograph, a text, a calligraphy, a movie, and a link.

The user interface can be configured so that the beneficiary introduction information for introducing the beneficiary 6 is displayed. Beneficiary introductory information may include text, images, videos, and Internet links. The beneficiary introductory information may include the beneficiary interview information and the beneficiary guide information.

A user interface may be constructed in which the financial benefits going to the beneficiary 6 can be displayed as the investment recruitment process progresses. Financial benefits may be money. Funding benefits can be accumulation of points. Financial benefits can be virtual money. The financial benefit may be digital currency. The gold currency may be real, such as gold or silver. The gold currency may be a cyber item.

To this end, the sponsoring organization can access the site and register the sponsoring account.

A sponsoring organization may send a text message to sponsors to encourage them to go to the site and ask them to designate their sponsoring organization when assigning a sponsoring account.

At this time, the investor 5 can input the sponsored account or select from the account type created. However, the user interface can be configured such that if the sponsoring account is not created in advance, the investor 5 does not want to be sponsored.

At this time, if the sponsor account is input from the investor 5, it is determined whether the sponsor account is a registered sponsor account, and if not, the user interface may be configured to output an error message.

Each sponsoring organization can only be eligible to receive a sponsored account before it can be promoted to voluntarily join the sponsoring organization.

At this time, the user interface may be configured such that an additional amount is paid to the beneficiary 6 in accordance with the amount to be paid to the beneficiary by the contribution of the investor 5. [

For example, the user interface may be configured so that the additional 1,000 won is paid to the beneficiary if the amount generated by the contribution of the investor (5) is 1,000.

Here, the ratio of the amount of money that goes to the beneficiary (6) in addition may be optionally determined as needed. For example, the user interface may be configured so that a 500 won is additionally paid to the beneficiary 6 when the amount of money generated by the contribution of the investor 5 is 1,000.

In addition, the ratio of the amount of money that goes to the beneficiary (6) can be selectively determined according to the amount of investment.

For example, if the investment amount of an investor (5) is over 10 million won, 1,000 won per 1,000 won generated by the contribution of the investor (5) will be returned to the beneficiary (6) 5) to the beneficiary (6) in addition to the amount of 500 won per 1,000 won generated by the contribution of the beneficiary.

For example, if the total investment is more than KRW 10 million, the KRW 1,000 per 1,000 KRW will be transferred to the beneficiary. If KRW 10 million or less, the KRW 500 KRW per 1,000 KRW In addition, you can get it back to the beneficiary.

In addition, the percentage of money that goes to the beneficiary (6) may be determined by the achievement of the total investment goal.

The beneficiary (6) may include a recruiter who has contributed to the attracting of the investment in the investment recruitment process. Here, the recruiter may be an individual, plural, or a group. Here, the recruiter may include the recruiter, referrer, or recommender.

The beneficiary 6 may be singular or plural.

The advisory support server 200 receives a valuation request signal for the money-back plan promised for the commodity trading business as a basis for the payment guarantee from the financial technology service apparatus 100, performs the valuation, And returns it to the financial technology service apparatus 100.

Based on the value evaluation request signal received from the financial technology service apparatus 100, the advisory support server 200 calculates the value of the money collection plan promised for the commodity trading business on which the payment guarantee is based. The value result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

The advisory support server 200 executes a variety of scenario accessing processes for the fund collection plan agreed for the commodity trading business on which the payment guarantee is based, Lt; / RTI > Risk management information is generated by evaluating the value of the funded recall plan that has been commissioned by data and analytical techniques.

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

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

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

In addition, the financial support server 300 carries out a financial transaction process of depositing a money source to be distributed to a designated deposit account of the pre-designated beneficiary 6. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to receive the deposit account information of the beneficiary 6 received from the third information terminal 600 . However, the present invention is not limited thereto, and the financial technology service apparatus 100 may receive the deposit account information of the beneficiary 6 from the first information terminal 400, the second information terminal 500, or an external information terminal, May be input and stored by inputting a key provided in the financial technology service apparatus 100. [

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

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

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400, the second information terminal 500 and the third information terminal 600 are connected to the financial technology service device 100, the financial institution 100, And to be connected to the support server (400). Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

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

The first information terminal 400, the second information terminal 500 and the third information terminal 600 are connected to the financial technology service apparatus 100 and the financial support server 400 through a communication network to transmit various financial transaction services May be any type of wired or wireless communication device available.

For example, the first information terminal 400, the second information terminal 500, and the third information terminal 600 include various mobile terminals for communicating via the wireless Internet or the portable Internet. In addition, A financial service device 100 such as a smart phone, a mobile play-station, a digital multimedia broadcasting (DMB) phone with a communication function, a tablet PC, an iPad, 400 may have a wired / wireless home appliance / communication device having a user interface for connecting the wired /

In particular, when the first information terminal 400, the second information terminal 500, and the third information terminal 600 are implemented as a general smart phone, the smart phone may include a general mobile phone (a feature phone) Is a phone based on an open operating system in which a user can freely use and delete various application programs desired by the user, and has functions such as voice / video call and Internet data communication generally used, All mobile phones with mobile office functions or communication devices including all Internet phones or Tablet PCs that do not have a voice call function but can access the Internet.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

FIG. 4 is a flowchart illustrating a method for providing information on an investor and a beneficiary of a loan in an investment recruitment-based loan financial service according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service device 100 receives loan application information from the first information terminal 400 (S10). The application for the loan is for the P2P loan of the necessary funds with the guarantee of the payment based on the fund recall plan agreed for the commodity trading business by the lender (4).

Here, the loan application information may include a loan desired amount, a loan condition, a deposit account number, a name, a telephone number, an e-mail, an address, and an evaluation grade as a basis for the payment guarantee.

The evaluation level may include a rating of an investment trustworthiness of the borrower calculated and given by the evaluation process of the financial technology service apparatus 100. [

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

For example, the financial technology service device 100 may provide a contract agreement screen, a member information input screen, a loan selection screen, and a loan condition input screen for inputting loan application information.

The financial technology service device 100 performs the lending possibility authentication process as part of the lending examination process based on the lending application information received from the first information terminal 400 (S20).

The financial technology service apparatus 100 may request the consultation support server 200 to evaluate the value of the loan application information and to make a loan possibility.

The financial technology service apparatus 100 may receive the value evaluation determination information for the money collection plan of the commodity trading business described in the loan application information from the advisory support server 200 to determine whether the loan can be made. As a result of the determination, if the lending is possible, the lendable guidance information is transmitted to the first information terminal 400. If it is determined that lending is impossible, the lendable guidance information can be transmitted to the first information terminal 400. [

Meanwhile, the financial technology service apparatus 100 can perform the loan demand forecasting investigation process as part of the loan examination process (S30). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [ However, the present invention is not limited thereto, and the loan demand forecasting investigation process can be selectively applied. Therefore, the loan demand forecasting investigation process can be omitted.

The financial technology service apparatus 100 interworks with the second information terminal 500 to process various data necessary for estimating the possibility of attracting investors from the investors through the loan demand forecasting examination process, Can be performed.

In other words, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand forecast P2P platform to predict loan demand for the investors in cooperation with the second information terminal 500. [ According to the result of the loan demand prediction, the lender guidance information or the non-lender guidance information can be transmitted to the first information terminal 400. [

In addition, the financial technology service apparatus 100 interworks with the first information terminal 400 and processes and communicates various data and electronic signals necessary for the borrower to modify the loan condition based on the loan demand forecast result Can be performed.

To this end, the financial technology service device 100 may generate demand forecast request information for aggregating investment available funds to be invested in non-cash asset-backed loans.

Demand forecasting information may include information on loanable amount, loan interest rate, loan period, early repayment, profit share ratio, and interest payment method.

Accordingly, the investors participating in the demand forecast can generate the demand forecast result information by responding to the items described in the demand forecast request information items according to their own investment methods. For example, investors participating in a demand forecast can enter or choose a loanable amount. You can enter or select a loan interest rate. You can set the loan period. You can choose between interest and compound as interest payment method.

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

The financial technical service apparatus 100 judges whether or not the collection amount is satisfied based on the demand forecast result information, and when the collection amount is satisfied, the lending guidance information is transmitted to the first information terminal 400 And if the collection amount is unsatisfactory, the non-delivery guidance information can be transmitted to the first information terminal 400.

On the other hand, the financial technology service apparatus 100 performs processing and communication of data and electronic signals necessary for allowing the lender to modify the loan condition based on the result of the loan demand forecast investigation in cooperation with the first information terminal 400 can do.

For example, the financial technology service device 100 can guide the amount collected through demand forecasting based on the demand forecast result information, and apply for a loan for the collected amount It is possible to provide the first information terminal 400 with inquiry information about whether to accept the request. Accordingly, if the amount of the loan is lower than expected, the loan applicant may apply for a loan and proceed with the loan if he / she wishes to borrow even some amount of loan.

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

The demand forecasting investigation process can be used to predict the response that the borrower's proposed loan conditions will cause on that platform. Through the demand forecasting process, the borrower can determine whether the loan condition he or she intends to propose is appropriate. For example, a borrower may be able to receive a loan even if he / she proposes conditions favorable to him / herself rather than the initial loan proposal condition submitted to the demand forecasting process. For example, a borrower can determine that a loan can not be made under the initial proposal conditions submitted to the demand forecasting process. Those who are notified of advance demand forecasts for loans can be targeted to users registered as loan investors in advance.

Through the demand forecast investigation process, the financial technology service apparatus 100 can determine whether the loan condition of the mortgage-based investment product to be launched is appropriate. For example, the financial technology service device 100 may be able to receive a loan even if it proposes conditions favorable to the borrower, rather than a first-time loan proposal condition submitted to the demand forecasting process. In this case, the financial technology service apparatus 100 can guide the first information terminal 400 about the possibility that the attracting of investors may be prematurely terminated due to the value stability of the secured asset, and suggest a higher loan interest rate There is also a number, and it is possible to suggest a higher loan amount. In addition, the financial technology service apparatus 100 can reflect such positive demand forecast results as a reference for the loan review process.

On the other hand, the financial technology service apparatus 100 can estimate that the P2P loan can not be made as the first proposal condition submitted to the demand forecasting investigation process. In this case, since the financial profitability of the goods transaction business is not evaluated positively in the current market for the application of the mortgage loan to the first information terminal 400, the financial technology service apparatus 100 may not be able to attract investors for a long period of time Which may be difficult to complete. In addition, since the investment value of the commodity trading business is not being evaluated positively in the current market for the loan application to the first information terminal 400, the financial technology service apparatus 100 requires a higher loan amount You can either offer interest rates or offer a lower loan amount. In addition, the financial technology service apparatus 100 can reflect such negative demand forecast results as references in the loan review process.

The financial technology service apparatus 100 determines whether the loan is executed based on the value evaluation and loan possibility obtained in conjunction with the advisory support server 200 with respect to the secured loan application information in the loan review process, .

For example, the financial technology service apparatus 100 may finally determine whether to execute the loan considering the value evaluation and the possibility of lending obtained through interlocking with the advisory support server 200. [ In this case, the demand forecast survey result is merely a reference for whether the loan is executed or not, and it may not be actually reflected.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecast result. In this case, the feasibility evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 are merely reference data internally, and may not be substantially reflected.

For example, the financial technology service apparatus 100 may finally determine whether to execute the P2P loan taking account of the possibility of the collateral availability evaluation and the lending possibility acquired through the interlocking with the advisory support server 200. [ In this case, the results of the demand forecast survey can be used as a reference for the execution of the mortgage loan and some can be reflected. In this case, the results of the demand forecast survey may not necessarily be a requirement to prevent a loan from being executed.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecasting result. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 can be partially reflected as a reference for the execution of the secured loan. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 may not necessarily be a necessary requirement to prevent the lending from being executed.

For example, the financial technology service apparatus 100 can finally determine whether to execute the mortgage loan taking into consideration the possibility of the mortgage-possible evaluation and the loan obtained through interlocking with the advisory support server 200, have. In this case, the collateral feasibility evaluation obtained through interlocking with the consulting support server 200 and the possibility of lending or the result of demand forecasting may correspond to the essential requirement that the lending can not be executed.

In other words, if the mortgage feasibility evaluation and loan possibility obtained through interlocking with the consulting support server 200 and the judgment ratio are provided for each of the demand prediction investigation results, or if either of the two can not achieve the minimum rate, It may fail to execute.

If it is determined that the secured loan can be made, the financial technology service apparatus 100 performs the loan advance process through communication of the first information terminal 400 (S40).

To this end, the first information terminal 400 may access the integrated network and perform a payment guarantee process to secure a payment guarantee based on the money-saving plan agreed for the commodity trading business based on the loan application . The first information terminal 400 can access the integrated network and perform the corresponding process for the payment assurance process based on the loan application.

The current assurance process may include setting up a mortgage on the goods for which the borrower is going to purchase the loan, and disposing of the items set as collateral and recovering the funds if the borrower can not keep the interest payment or repayment schedule.

The assurance process now may include receiving a portion or all of the proceeds from the sale up to a predetermined amount when the article is sold.

The assurance process now may include setting up collateral for accounts receivable in the principal place of business of the goods operated by the lender.

The current assurance process may include setting up a joint guarantee for the CEO or internal director if the borrower is a business.

Now the assurance process may include notarizing the loan receivables.

The assurance process now may include setting a pledge on the outstanding shares of the borrower or lender to enhance the payment guarantees.

The financial technology service apparatus 100 can receive the payment guarantee completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal from the lender to confirm that the payment guarantee has been completed.

The financial technology service apparatus 100 opens an investment product based on the loan application information received from the first information terminal 400 when the pre-loan process is completed, and transmits the investment product to the second information terminal 500 So that the investor can apply for investment and receive the investment money (S50).

At this time, the financial technology service apparatus 100 can display the investment goods information so that the investment goods in which the second information terminal 500 is opened can be browsed for investment attraction. The investment goods information may include goods transaction business information, investment judgment information, and loan condition information.

The commodity trading business information may include information on the commodity trading business that can be viewed by investors in the loan application information. For example, the commodity trading business information may include a money-back plan, a loan amount, a loan condition, and an evaluation grade that are basis for payment guarantee.

The commodity trading business information may include the information of the managing company related to the commodity trading business. Here, the information of the supervisor may include selected investment reference information for the purpose of promoting the commodity trading business and attracting the investment. Investment reference information includes a summary of loan receivables, an overview of loan receivables, a description of the purpose of the loan, a description of the payment guarantee, a description of the loan customer, information on the owner of the commodity trading business, valuation of the investment adviser, Information, and risk guidance information at the time of investment.

The loan receivable summary may include the name of the loan receivable, the interest rate, the rating of the collateral, the details of the loan application, the debtor and the collateral information.

Here, the loan application details may include the type of product, the period of the loan, the amount of the loan, the loan interest rate, the repayment method, the interest payment date, the monthly interest amount, The type of product may be, for example, a general loan.

The outline of the loan receivable may include the name of the loan receivable, the details of the payment guarantee, the name of the borrower, and the identity information of the borrower.

The purpose of the loan may include the purpose for which the borrower applies for the loan.

The introduction of the loan customer may include the loan customer information and the subject company information. For example, the introduction of a loan customer may include the name, photograph, history, business vision, structure of the main business, introduction of the main business, introduction of the main business person, contents of the main business.

Valuation of investment advisors may include ratings, items, indexes and analysis opinions. For example, items can be divided into stability, profitability, liquidity, and total. The analysis opinion may include the current situation of the commodity trading business, future development possibility, expected margin rate, cash cow diagnosis contents, stability judgment information.

The risk information for the investment may include, for example, information that does not guarantee principal and return for the loan product, and that informs investors that there is a potential for loss of investment and principal.

The investment decision information may include investment decision information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include formal investment decision information and non-standardized investment decision information.

The investment decision information formatted here includes investment decision information quantified by a formal loan evaluation arithmetic expression of the loan review process based on the application information received from the first information terminal 400 by the financial technology service apparatus 100 can do.

For example, the structured investment decision information may include a numerical index that is formulated by the financial technology service apparatus 100 to be submitted to the advisory support server 200 for evaluation of the loan application information and possibility of lending.

Meanwhile, the informal investment decision information may include information that can be viewed by the investors based on the demand forecast result information obtained through the demand prediction. For example, the informal investment decision information can be selectively included among the number of investors participating in the demand forecast survey, the estimated investment magnitude, investor information, information on the result of the investment participation check, and investment fund information.

Here, the investor information may optionally include the type of investor participating in the demand forecasting survey, the investor's job group participating in the demand forecasting survey, the company information participating in the demand forecasting survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may optionally include email, telephone number, and SNS account information. The investment propensity information may optionally include target profit rate information and preferred investment period information.

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

The investment fund information may optionally include the amount of the investment fund, the investment period, and the investment type information. The investment type information may optionally include interest income investment, equity participation investment, interest income and equity participation investment.

At this time, the non-standardized investment decision information may be set to different types of information that can be browsed according to the rating of the investor. For example, informal investment decision information can be set differently among general members, specialists, special members and VIP members.

In this case, to differentiate information types that can be browsed according to the investor 's rating on informal investment decision information, it is to give practical help to investors considering the tendency of investors.

For example, a general member may lack expertise in investment relative to a professional member. Therefore, if too specialized information is listed, general members will be confused about the investment information, resulting in psychological barrier formation. However, in the case of expert members, if too general information is listed, it results in not giving psychological reliability to the investment information. Therefore, it is possible for ordinary members to judge whether or not to invest, without giving psychological burden on the investment information by providing plain information according to the eye level of general members. Likewise, expert members can provide an in-depth type of information tailored to the level of expert members, providing an opportunity for thorough review of the investment information, thereby enabling them to judge whether or not to invest effectively.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

In addition, the financial technology service apparatus 100 receives the investment application information from the second information terminal 500, analyzes the investors, and provides the analyzed information to the first information terminal 400.

The financial technology service apparatus 100 can classify the investors from the investment application information received from the second information terminal 500. [

For example, the financial technology service device 100 classifies each investor into investment tendency, investment amount, preference category, preferred business category, and investment preference period from the investment application information and provides investment recommendation information differently for each classified investor have.

For example, the financial technology service apparatus 100 may preferentially provide investment reference information based on the investor preference information included in the loan application information received from the first information terminal 400. [

For example, if a borrower prefers an aggressive investor to promote his commodity trading business and the sponsor, the financial technology service device 100 will preferentially provide the investment reference information to aggressive investors .

On the other hand, if an arbitrary lender prefers an investor who has a stable tendency to promote his / her commodity trading business and a leading corporation, the financial technology service apparatus 100 can preferentially provide the investment recommendation information to a stable investor have.

Similarly, for example, if a borrower prefers a small number of investors who invest a lot of money to promote their commodity trading business and the subject company, the financial technology service device 100 may be able to provide a small number of investors The investment reference information can be given priority.

On the other hand, for example, if a borrower prefers a large number of investors who invest a small amount of money in order to promote their commodity trading business and the subject company, the financial technology service device 100 may use a large number of investors It is possible to preferentially provide the investment reference information to the investor.

Also, the financial technology service apparatus 100 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information. The financial technology service apparatus 100 may provide the generated investor analysis information to the first information terminal 400. [

At this time, the investor analysis information may include investment amount, investment preference product, investment preferred industry, investment preference period, and investor management grade for each investor.

Investor management information can be created to be used for public relations and investment attraction services. To this end, investor management information can be classified into, for example, simple investor class, participant investor class, and core investor class. Here, a simple investor class can simply include investors who have an interest in the loan interest of a P2P loan. The participating investor class may include investors who are likely to participate or participate in the commodity trading business as described in the investment reference information. The core investor class may include investors who are willing to invest in the company.

At this time, the financial technology service apparatus 100 may communicate with the first information terminal 400 and proceed with the investment inducement after the settlement of the platform fee is completed.

The financial technology service apparatus 100 may perform the process of designating the beneficiary 6 according to the selection of the platform operator, the investor 5, and the borrower 6 (S60).

For example, the financial technology service device 100 may be configured with a user interface so that the platform operator can determine the beneficiary 6. In this case, the platform operator can mark multiple beneficiaries and decide which beneficiaries the users choose as final beneficiaries.

For example, the financial technology service device 100 may be configured such that the investor 5 can determine the beneficiary 6. To this end, the investor 5 can select the beneficiary he / she desires from among the single or plural beneficiary information displayed in the predetermined area. The investor 5 can register the beneficiary by inputting the information of the beneficiary whom he / she wants although it is not shown.

For example, an investor (5) can select a beneficiary (6) to donate or donate his or her own money, which can be additionally generated by the commodity that he invests. Organizations can be orphanages, nursing homes, poor neighborhoods, unwed mothers support centers, fire stations, police stations, child care organizations, and social welfare facilities.

For this purpose, the financial technology service apparatus 100 may provide a user interface so that account information corresponding to the beneficiary 6 is displayed for designation of the beneficiary 6. The user interface can be configured so that various objects for identifying the beneficiary 6 for the designation of the beneficiary 6 are displayed. Here, the object may be, for example, an icon, a banner, a caricature, an image, a photograph, a text, a calligraphy, a movie, and a link.

The financial technology service apparatus 100 may provide a user interface so that the beneficiary introduction information for introducing the beneficiary 6 is displayed. Beneficiary introductory information may include text, images, videos, and Internet links. The beneficiary introductory information may include the beneficiary interview information and the beneficiary guide information.

The financial technology service apparatus 100 can provide a user interface through which the financial benefits that go to the beneficiary 6 can be displayed as the investment recruitment process proceeds. Financial benefits may be money. Funding benefits can be accumulation of points. Financial benefits can be virtual money. The financial benefit may be digital currency. The gold currency may be real, such as gold or silver. The gold currency may be a cyber item.

For this purpose, the financial technology service apparatus 100 may allow the sponsoring organization to access the site and register the sponsoring account.

Accordingly, the sponsoring organization may send a text message to the sponsors to encourage them to go to the site to invest, and may request that their sponsoring organization be designated when assigning a sponsoring account.

At this time, the financial technology service apparatus 100 may allow the investor 5 to input the sponsored account or to select the account type from the account type. However, the financial technology service device 100 can provide the user interface so that the investor does not want to sponsor if the sponsoring account is not created in advance.

At this time, the financial technology service apparatus 100 determines whether the sponsored account is a registered sponsored account when the sponsored account is inputted from the investor 5, and if the registered sponsored account is not the registered sponsored account, .

Each sponsoring organization can only be eligible to receive a sponsored account before it can be promoted to voluntarily join the sponsoring organization.

At this time, the user interface may be configured such that an additional amount is paid to the beneficiary 6 in accordance with the amount to be paid to the beneficiary by the contribution of the investor 5. [

For example, the financial technology service apparatus 100 may provide a user interface so that an additional 1,000 won is paid to the beneficiary when the amount generated by the investor 5 contribution is 1,000.

The financial technology service apparatus 100 may further determine here that the ratio of the amount of money to the beneficiary 6 is selectively determined as necessary. For example, the financial technology service apparatus 100 may provide a user interface so that the additional 500 won is paid to the beneficiary 6 when the amount of money generated by the contribution of the investor 5 is 1,000.

The financial technology service apparatus 100 can additionally determine the ratio of the amount of money to the beneficiary 6 depending on the amount of investment.

For example, if the investment amount of an investor 5 is 10 million Yuan or more, the financial technology service device 100 causes 1,000 won per 1,000 won generated by the contribution of the investor 5 to be further transferred to the beneficiary 6 , And if it is less than 10 million won, 500 won per 1,000 won generated by the contribution of the investor (5) may be returned to the beneficiary (6).

For example, if the total investment amount is over 10 million won, the financial technology service device 100 causes 1,000 won for 1,000 won to be paid to the beneficiary by the contribution of the investment amount. If the investment amount is less than 10 million won, The amount of 500 won per 1,000 won can be further transferred to the beneficiary.

The financial technical service apparatus 100 may set the recruiter who has contributed to the investment attraction to the beneficiary in the investment recruitment process. Here, the recruiter may be an individual, plural, or may be a corporation, a team, or an organization. Here, the recruiter may include the recruiter, referrer, referrer, contributor, contributor. The financial technology service apparatus 100 can set the beneficiary 6 to a single number or a plurality.

If the financial technology service apparatus 100 requests the cancellation of the loan progress from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investor And the platform fee refund process (S70). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

When the investment attraction is normally completed, the financial technology service apparatus 100 performs a loan payment and a interest collection process to the borrower 4 (S80).

For this purpose, the financial technology service apparatus 100 can perform the loan payment and the interest collection process through the financial technology service performed in the affiliated financial institution 3 through communication with the financial support server 300.

The financial support server 300 receives the interest payment from the borrower 4 after the partner financial institution 3 issues a loan to the borrower 4 who has been approved for loan by the P2P based financial technology service company 1, And the processing and communication of various data and electronic signals required to carry out the principal repayment process regularly or irregularly.

The financial technology service device 100 performs a process for providing investors and beneficiaries with investors and beneficiary money (90).

To this end, the financial technology service apparatus 100 stores investor information according to the investment process and loan information according to the loan execution process.

The financial technology service apparatus 100 may calculate the first amount to be paid to the investor 5 and the second amount to be paid to the designated beneficiary 6 based on the investor information and the loan information.

The financial technology service apparatus 100 periodically or irregularly provides the first amount and the second amount calculated in conjunction with the financial support server 300 to the investor 5 and the designated beneficiary 6, respectively.

Here, the financial technology service apparatus 100 may calculate the first amount and the second amount and provide the inquiry result as a result of inquiry.

The financial technology service apparatus 100 performs a risk management process, a loan expiration processing process, and a payment guarantee release processing process (SlOO).

Accordingly, the financial technology service apparatus 100 can perform the management and risk management process for the payment guarantee based on the money collection plan of the goods transaction business by communicating with the archive support server 600.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive status information on the payment guarantee based on the money collection plan of the goods transaction business from the archive support server 600.

The financial technology service apparatus 100 can perform the expiration processing process on the expiration date when the expiration date is reached.

On the other hand, the financial technology service device 100 can perform the payment guarantee release process when the repayment of the loan is completed.

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to execute the payment guarantee release process, and releases the payment guarantee by performing the payment guarantee release process.

FIG. 5 is a flowchart illustrating a lending availability authentication process in a P2P loan financial technology service method according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the first information terminal 400 transmits a loan approval request information (hereinafter, referred to as " loan request " information) to a loan application for receiving a loan to receive necessary funds with a payment guarantee based on a committed money- To the financial technology service apparatus 100 (S21). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information for allowing the first information terminal 400 to request the authentication of whether or not the first information terminal 400 can grant a loan. Accordingly, the first information terminal 400 can complete the loan availability certification request based on the loan application from the menu displayed on the screen information provided by the financial technology service apparatus 100. [

The financial technology service apparatus 100 transmits the valuation request information about the committed money-back plan for the commodity trading business, which is the basis of the payment guarantee, to the advisory support server 300 (S22).

* The value evaluation request information is request information inquiring whether the payment plan promised for the commodity trading business can be the basis of payment guarantee. The valuation request information may be transmitted to the advisory support server 200 by the financial technology service device 100, but the present invention is not limited thereto.

The financial technology service apparatus 100 receives the valuation determination information about the committed money-saving plan for the commodity trading business from the advisory support server 200 (S23).

The financial technical service apparatus 100 judges whether a payment guarantee for executing the loan based on the fund collection plan of the commodity trading business is possible from the value evaluation decision information on the fund collection plan of the commodity trading business (S24). If it is determined that payment can be assured, the lendable guidance information is transmitted to the first information terminal 400 (S25).

If it is determined that the payment guarantee can not be made from the value evaluation determination information on the money withdrawal plan of the goods transaction business, the financial technology service apparatus 100 transmits the non-delivery guidance information to the first information terminal 400 (step S24) S26).

6 is a flowchart illustrating a loan demand forecasting investigation process in a P2P loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 may generate demand forecasting information by aggregating available funds to be invested using the demand forecast P2P platform according to the loan demand forecasting investigation process (S31). The loan demand forecast investigation process may be performed by a request from the first information terminal 400 or may be performed by a basic setting of a loan review process performed in the financial technology service device 100. [

Here, the demand prediction request information may be generated based on the loan application information received and stored from the first information terminal 400 by the financial technology service apparatus 100. [

In addition, the investment allowable amount count check information includes the value evaluation result data on the money withdrawal plan of the goods transaction business for the loan received from the advisory support server 200 by the financial technology service device 100, , And risk management information.

Accordingly, the financial technology service apparatus 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 500 (S32).

The demand forecast request information may include investment participation check information to see if there is an intention to participate in the investment for the loan. In addition, the demand forecast request information includes loan application information for predicting demand, evaluation result data on the money withdrawal plan of the commodity trading business, information on the result of valuation, information on the commodity trading business , Risk management information, or offer amount information.

Thereafter, the financial technology service device 100 receives the demand forecast result information from the second information terminal 500 (S33).

The demand forecast result information may include investor information, information on the results of the investment participation check, information on the result of the check on participating in the cash collateralization, and investment fund information. Here, the investor information may include the type of investor participating in the demand forecast survey, the investor's job group participating in the demand forecast survey, the company information participating in the demand forecast survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may include email, telephone number, and SNS account information. The investment propensity information may include target profit rate information and preferred investment period information.

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

* Investment fund information can optionally include, for example, amount of investment funds, investment period, and investment type information. The investment type information can optionally include, for example, interest income investment, profit sharing investment, equity participation investment, and differential investment. However, the present invention is not limited thereto and may include various investment fund information or investment type information. The financial technology service apparatus 100 stores demand forecast result information.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S34). In accordance with the determination result, the financial technology service apparatus 100 transmits the creditable guidance information to the first information terminal 400 (S35).

On the other hand, if the collection amount is unsatisfactory according to the determination result, the financial technology service device 100 transmits the non-circulation guidance information to the first information terminal 400 (S36).

FIG. 7 is a view for explaining the concept of providing investors and beneficiary money-making information in an investment recruitment-based loan financial service according to another embodiment of the present invention.

Referring to FIG. 7, the borrower 14 may borrow money for purchasing and selling the goods through the financial technology service company 11. [ Here, the fund loan is an investment recruitment basis that is executed as collateral for payment guarantees based on an agreed-upon cash-back plan for the commodity trading business to purchase goods from an article manufacturer or a goods distributor and sell them to wholesalers or consumers Financial lending services may be included. For example, a P2P loan can be included.

The borrower 14 periodically prepays the interest to the financial technology service company 11 according to the loan condition and repays the principal to the loan repayment date.

Meanwhile, the investor 15 invests the cash assets in the financial technology service company 11 by the crowd funding method. The investor (15) can receive the interest paid from the financial technology service company (11), receive the principal reimbursement on the loan repayment date, and can receive a portion of the generated investment income. Here, interest can be paid in cash or in local vouchers. Here, the investment proceeds may include the proceeds from the sale of the goods.

The lender 14 purchases the article from the article manufacturer or the article distributor to proceed with the article sale event 18 using the money borrowed from the financial technology service company 11 and sells it to the wholesaler or the consumer Install and display luxury goods.

The sale price of the merchandise sold at the merchandise sale event (18) is stored in the sales management company (19).

The sales management company 19 can pay the commodity sales proceeds to the pre-established three-party agreement fund reimbursement account 13. To this end, the trilateral agreement fund reimbursement account 13 may be installed in the affiliated financial institution 3. The priority payment amount set in advance in the sales price of the goods deposited in the third party agreement fund reimbursement account 13 is paid to the financial technology service company 11 and the balance remaining after the deduction of the first payment amount is paid to the business entity 14 have. Here, the first payment amount can be used for interest, principal repayment, and profit distribution.

However, the present invention is not limited to this, and it may be possible that the sales price of the goods is deposited into the account of the direct sales management company 19 without operating the third party agreement fund reimbursement account 13.

The financial technology service company 11 calculates the first amount (interest and profit) to be paid to the investor 5 based on the investor information and the loan information and the second amount to be paid to the designated beneficiary 6 do.

The financial technology service company 11 periodically or irregularly pays the calculated first amount and the calculated second amount to the investor 5 and the designated beneficiary 6, respectively.

In the embodiment of the present invention, the investor of the loan-based loan service and the beneficiary of the beneficiary loan service which execute the loan to the borrower who desires the P2P loan of the necessary funds with the guarantee of the payment based on the money- The information providing method has been described in detail. Here, the commodity trading business can include business for trading various types of commodities that can be done on-off-line. For example, the commodity trading business may include online commodity trading, offline commodity trading, luxury goods transaction, duty-free shop transaction, internet shopping, home shopping, mobile shopping, etc., which require the cost of entering goods or prepayment.

He also explained how to borrow funds from investors who want to invest their cash assets in a crowd-funded way.

However, in one embodiment of the present invention, the procedure and procedures of a loan, a P2P loan, and crowdfunding, which are executed as collateral for a payment guarantee based on a fund recovery plan agreed for the commodity trading business, And a description of some of the data and electronic signal processing may be omitted. If the knowledge of the relevant fields is such that they can be variously selected and implemented by a common procedure, data and electronic signal processing, it is possible to implement the P2P loan finance technology service method It can be seen that various implementations are possible.

Further, in the embodiment of the present invention, an investment recruitment-based loan financial service in which a loan is executed to a borrower as a collateral for a payment guarantee based on a fund recovery plan agreed for the commodity trading business has been described. However, And can be applied to various investment-based loan finance services.

For example, in another embodiment of the present invention, an application of investment recruitment-based loan financial services includes stock (listed stock, unlisted stock) collateral, budget plan collateral, loan collateral, automobile collateral, antique collateral, art collateral, , Various kinds of collateral such as performances collateral, performance event collateral, broadcasting content transaction guarantee, plan collateral, plan finance collateral, currency collateral, collateralized payment of collateral, real estate collateral, movable property collateral and intellectual property collateral. It is possible to apply it to an investment recruitment-based loan financial service that executes a loan.

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

Claims (11)

The financial technology service system is an investment recruitment-based loan. The process of recruiting investment funds to connect the lenders, who borrow the required funds through financial services, and the plural investors who invest their own cash assets on the condition of receiving the investment income, through P2P loans. ;
Storing the investor information according to the investment fund recruitment process and the loan information according to the loan execution process; And
And providing the inquiry result as a first amount to be paid to the investor and a second amount to be paid to the designated beneficiary based on the investor information and the loan information in response to the inquiry request,
The investment recruitment-based lending financial services mentioned above are classified as stock (listed stock, unlisted stock) collateral, budget plan collateral, loan collateral, automobile collateral, antique collateral, art collateral, art collateral, performance collateral, , Which is an investment recruitment-based lending financial service that recruits and attracts investment based on collateral of one of the following: collateral, plan collateral, plan finance collateral, currency collateral, collateralized cash collateral, real estate collateral, movable property collateral and intellectual property collateral And a method for providing information about a loan source to an investor and a beneficiary of a loan financial service.
The method according to claim 1,
And the financial technology service apparatus further comprises calculating a first amount to be paid to the investor based on the investor information and the loan information and a second amount to be paid to the designated beneficiary, the investor and the beneficiary of the loan financial service Information delivery method.
The method according to claim 1,
Further comprising the step of the financial technical service device designating a beneficiary.
The method of claim 3,
Wherein the step of designating the beneficiary further includes the step of designating the beneficiary based on a selection of at least one of an investor, a borrower, and an operator of the financial technology service device.
The method of claim 3,
The step of designating the beneficiary further includes providing at least one of account information corresponding to the beneficiary, an object for identifying the beneficiary, and beneficiary introductory information for introducing the beneficiary for the purpose of designating the beneficiary Investor and Beneficiary of Loan Financial Services.
The method according to claim 1,
Further comprising the step of providing a user interface in which the financial technical service apparatus displays a financial benefit for the beneficiary while the investment recruitment process is proceeded.
The method according to claim 1,
Wherein the financial technical service apparatus further includes a step of determining the second amount such that an additional amount is paid to the beneficiary in accordance with the amount to be paid to the beneficiary by the contribution of the investor. .
8. The method of claim 7,
Wherein the financial technical service device comprises a step of determining the ratio of the amount of the additional money to the beneficiary based on at least one of the amount of the beneficiary generated by the contribution of the investor, the amount of the investor's investment, Investor and beneficiary of the service.
Investment Loan-based Loan Investor information and loans through the process of raising funds through a P2P loan to lenders who are required to borrow funds through financial services and multiple investors who invest their own cash assets on the condition of receiving investment income A data storage unit for storing loan information according to the execution process; And
And a processor for providing the first amount to be paid to the investor based on the investor information and the loan information and the second amount to be paid to the designated beneficiary as the inquiry result,
The investment recruitment-based lending financial services mentioned above are classified as stock (listed stock, unlisted stock) collateral, budget plan collateral, loan collateral, automobile collateral, antique collateral, art collateral, art collateral, performance collateral, , Which is an investment recruitment-based lending financial service that recruits and attracts investment based on collateral of one of the following: collateral, plan collateral, plan finance collateral, currency collateral, collateralized cash collateral, real estate collateral, movable property collateral and intellectual property collateral Wherein the financial institution is a financial institution.
10. The method of claim 9,
Wherein the processor calculates a first amount to be paid to the investor based on the investor information and the loan information, and a second amount to be paid to the specified beneficiary.
10. The method of claim 9,
Wherein the processor designates the beneficiary based on a selection of at least one of an investor, a borrower, or an operator of the financial technology service device.

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