KR20190096881A - Method for peer to peer intellectual property secured loan financial technology service and apparatus thereof - Google Patents

Abstract

Provided is a P2P intellectual property mortgage loan financial technology service method, which comprises the following steps. A financial technology service apparatus receives intellectual property mortgage loan application information for applying for the P2P mortgage loan using the intellectual property as collateral from a first information terminal. A loan examination is performed based on the intellectual property mortgage loan application information. Through the communication with a financial support server, an investment product is opened based on the intellectual property mortgage loan application information received from the first information terminal, and the investment product information including collateral information, investment judgment information, and loan condition information is displayed to carry out the investment attraction. The financial technology service apparatus receives the investment from a second information terminal, executes the mortgage loan with the intellectual property as collateral, and performs processing of data and an electronic signal for transferring the loan to an account specified in the intellectual property mortgage loan registration information. Lastly, the processing of the data and the electronic signal for executing cashing of the collateral is performed, when executing the cashing of the collateral in which the mortgage loan is executed.

Description

TECHNICAL TECHNOLOGY SERVICE AND APPARATUS THEREOF TECHNICAL TECHNOLOGY SERVICE AND APPARATUS THEREOF

The present invention relates to a peer to peer (P2P) intellectual property mortgage financial technology service method and apparatus, and more particularly, to a loan applicant providing intellectual property as collateral and borrowing necessary funds, on condition of receiving an investment return. The present invention relates to a P2P intellectual property loan financial technology service method and apparatus for linking a plurality of investors who invest their cash assets to each other through a P2P security loan to enable a P2P mortgage loan by making the intellectual property as collateral.

Peer-to-peer (P2P) loans are a new type of loan that is collected directly from a large number of investors (creditors) and not directly from banks or private banks.

P2P loans are all online and can reduce recruitment and labor costs. Investors can earn higher profits than bank interest rates. The market is growing rapidly due to various advantages such as possible.

Against the backdrop of the global financial crisis and internet-based technological innovation, the P2P lending market is showing rapid growth. In line with this, startups using various business models have attracted the attention of lenders and investors.

As such, P2P lending is more convenient than traditional financial transactions, offering lower interest rates to lenders and offering relatively high returns to investors in low interest rates, with their advantages expanding gradually. It is becoming a trend.

On the other hand, various intellectual property is being created as the knowledge industry develops. This intellectual property is largely protected by copyright and industrial property rights.

Therefore, the necessity is recognized for the method of making loans with such intellectual property as collateral. However, if the intellectual property that is the object of security is insufficient in evaluating such intellectual property loans and the loan bonds become insolvent, the recovery method of such bad loans is also lacking due to the absence of a specialized securitization company. The reality is that they are reluctant to borrow loans for property and assets.

The problem to be solved by the present invention is to provide knowledge as collateral, loan applicants who receive the necessary funds, and a plurality of investors who invest their cash assets on the condition of receiving a return on investment through P2P mortgage loan The present invention provides a method and apparatus for P2P intellectual property loan financial technology service that enables a P2P mortgage loan with property as collateral.

Tasks to be solved by the present invention are not limited to the above-mentioned problems, and other tasks not mentioned above may be clearly understood by those skilled in the art to which the embodiments proposed from the following description belong. will be.

In the P2P intellectual property security loan financial technology service method according to an aspect of the present invention, the financial technology service apparatus may receive the intellectual property security loan application information for applying for a P2P security loan using the intellectual property as collateral from the first information terminal. have. The financial technology service apparatus conducts a demand prediction survey for the intellectual property provided as collateral through communication with the second information terminal based on the intellectual property security loan application information, and uses the knowledge security loan application information and the demand prediction survey result. Loan screening can be performed. The financial technology service apparatus may open the investment product and perform investment attraction based on the investment application information received from the second information terminal through communication with the financial support server. The financial technology service apparatus receives the investment from the second information terminal, executes the security loan with the intellectual property as collateral, and performs data and electronic signal processing to transfer the loan to the account specified in the intellectual property security loan application information. Can be. When the financial technology service apparatus implements the cashing of the collateral on which the collateral has been secured, the security of the collateral is transferred to the second information terminal corresponding to the preferred investor information obtained through the demand forecast survey, so that the information can participate in the cashing of the collateral. The processing of the data and the electronic signal for executing can be performed.

Financial technology service apparatus according to another aspect of the present invention is a data storage for storing mortgage loan application information, investment product information, and investment application information including the intellectual property information and loan condition information provided as collateral received from the first information terminal And a processor. Here, the processor may receive the intellectual property security loan application information for applying for the P2P security loan from the first information terminal as the security of the intellectual property. The processor may perform a demand prediction survey on the intellectual property provided as collateral through communication with the second information terminal based on the received intellectual property security loan application information. The processor may use the IP mortgage application information and the demand prediction survey results to perform loan examinations, open investment products and attract investment. The processor may receive an investment fund based on the investment application information received from the second information terminal through communication with the financial support server, and execute the security loan using the intellectual property as collateral. When the processor executes the security of the collateral on which the security is executed, the processor transmits the information to participate in the cashing of the security to the second information terminal corresponding to the preferred investor information obtained through the demand forecast survey. Processing of data and electronic signals can be performed.

In the P2P intellectual property security loan financial technology service method according to another aspect of the present invention, the financial technology service apparatus may receive the intellectual property security loan application information for applying for a P2P security loan using the intellectual property as collateral from the first information terminal. have. The financial technology service apparatus performs a demand prediction survey on the intellectual property provided as collateral through communication with the second information terminal based on the received intellectual property security loan application information, and uses the security loan application information and the demand prediction survey result. Loan screening can be performed. The financial technology service apparatus may open an investment product based on the investment application information received from the second information terminal and perform an investment attraction through communication with the financial support server to receive the investment money. The financial technology service apparatus may execute a security loan with the intellectual property as collateral to process data and electronic signals for remitting the loan to the account specified in the intellectual property security loan application information. The financial technology service apparatus may perform the interest payment and investment return payment process based on the security loan through communication with the financial support server.

Financial technology service apparatus according to another aspect of the present invention is a data storage for storing mortgage loan application information, investment product information, and investment application information including the intellectual property information and loan condition information provided as collateral received from the first information terminal It may include a wealth and a processor. Here, the processor may receive the intellectual property security loan application information for applying for the P2P security loan from the first information terminal as the security of the intellectual property. The processor may perform a demand prediction survey on the intellectual property provided as collateral through communication with the second information terminal based on the received intellectual property security loan application information. The processor may use the mortgage loan application information and the demand forecast survey results to perform loan examinations, open investment products and attract investment. The processor may receive an investment fund based on the investment application information received from the second information terminal through communication with the financial support server. The processor may execute a mortgage loan with the intellectual property as collateral to process data and electronic signals for transferring the loan to the account specified in the intellectual property mortgage application information. The processor may communicate with a financial support server to perform an interest payment and investment return payment process based on a mortgage loan.

In the P2P intellectual property security loan financial technology service method according to another aspect of the present invention, the financial technology service apparatus may receive the intellectual property security loan application information for applying for a P2P security loan using the intellectual property as collateral from the first information terminal. have. The financial technology service apparatus may perform a loan examination on the intellectual property provided as collateral based on the intellectual property security loan application information received from the first information terminal. The financial technology service apparatus may open an investment product based on the investment application information received from the second information terminal and perform an investment attraction through communication with the financial support server to receive the investment money. The processor may execute a mortgage loan with the intellectual property as collateral to process data and electronic signals for transferring the loan to the account specified in the intellectual property mortgage application information. The financial technology service apparatus may perform the interest payment and investment return payment process based on the security loan through communication with the financial support server.

According to the present invention, demand prediction research is performed on collaterals with price volatility due to supply and demand even when the official price is not set or the official price is set, such as intellectual property, when the P2P collateral loan is collected, and collected in the demand forecast survey. After executing the P2P collateral loan based on the collected data, the collateralization of collateral can be carried out based on the data collected in the demand forecast survey, if the requirement for collateralized cashing is met.

Accordingly, loan applicants with intellectual property may be secured by using the intellectual property as collateral.

According to the present invention, in the P2P mortgage process, even if the official price such as intellectual property is not set or the official price is set, the rational value is calculated if the intellectual property is subject to price volatility depending on supply and demand. If the security of the collateral is needed, the security of the collateral can be quickly proceeded.

According to the present invention, by properly linking intellectual property mortgage loans with peer to peer (P2P) loans and crowdfunding through Internet-based technology, loan applicants can secure their loans with the intellectual property they hold, Investors can enjoy the stability and convenience of trading and a relatively high yield.

According to the present invention, investment judgment information provided to investors includes investment judgment information to which information asymmetry is applied. As informal investment judgment information, information available to investors can be optimized and provided to the level of investors based on the demand prediction result obtained through demand prediction.

By setting the types of information that can be viewed according to the investor's grade, the informal investment judgment information can be practically helpful in consideration of the investor's inclination.

Accordingly, by providing a plain type of information to the general members, the general members can be judged whether or not to invest without psychological burden on the investment information. In addition, by blocking the listing of too professional information to the general members, it can increase the confusion about the investment information, thereby preventing the side effects of forming a psychological barrier.

Similarly, by providing in-depth kinds of information to the professional members, the expert members can be provided with the opportunity to examine the investment information in detail and effectively determine whether to invest. In addition, it is possible to prevent side effects that do not give psychological credibility to the investment information by blocking the listing of too general information to expert members.

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

According to the present invention, as the loan interest rate is applied by a formula calculated according to the value of the investment and collateral, a reasonable loan may occur.

According to the present invention, it becomes possible to provide liquidity through a precise value analysis on intellectual property that is not easily recognized as a value for collateral.

According to the present invention, the intellectual property can be secured to individual products to ensure stability for investors.

According to the present invention, a proper reference price of collateral is provided by an expert advisory group specialized in intellectual property, which can lead to high liquidity compared to existing financial institutions.

According to the present invention, since the loan interest rate is reasonably applied as determined by the standardized formula, it can ultimately contribute to the activation of the IP market.

According to the present invention, it is possible to secure investment by securing the security of intellectual property by breaking the framework of credit used in the conventional loan method.

According to the present invention, the loan record can be prevented from being reflected in the credit score, which may help personal credit management.

According to the present invention, in the era of P2P lending, intellectual property investments and collateral loans are possible by connecting intellectual property investors (loan applicants) and individual lenders (investors) by integrating intellectual property and investment with Fintech. Was done.

1 is a view for explaining the concept of the P2P intellectual property loan financial technology services according to an embodiment of the present invention.
2 is a view for explaining a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.
3 is a diagram illustrating a financial technology service apparatus in a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.
4 is a flowchart illustrating a P2P knowledge security loan financial technology service method according to an embodiment of the present invention.
5 is a flowchart illustrating a loan demand prediction research process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.
6 is a flowchart illustrating a mortgage advance process in the P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a security of a collateralized cash in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.
8 is a diagram illustrating a loan due date notification process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

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

1 is a view for explaining the concept of the P2P intellectual property loan financial technology services according to an embodiment of the present invention.

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

The P2P-based financial technology services company (1) provides investment advisors (2) for evaluating collateral and partner financial institutions (3) for procedures for depositing investments, paying loans, paying interest, repaying principals, and paying investment returns. P2P collateral by connecting loan applicants (4) who want to make business alliances, provide their intellectual property as collateral, and investors who want to invest their cash assets in crowdfunding (P2P). Perform loan financial technology services. Here, the investment advisor (2), the affiliated financial institution (3), the loan applicant (4), and the investor (5) can be a plurality of each, not limited to one.

At any point in time, for example, intellectual property where authorized or official price information exists, it is difficult to fully trust that price information. Because prices are determined by supply and demand, prices have the potential to fluctuate at any time if supply and demand change.

Therefore, even if the intellectual property for which there is official price information is collateral, due to the possibility of fluctuations in supply and demand, the P2P-based financial technology service company 1 conducts a demand forecast survey on the investor 5. Then, based on the findings, the value of the collateral can be evaluated and the loan can be determined accordingly.

Similarly, in the case of collateral for intellectual property where no official price information exists, the P2P-based financial technology services company 1 conducts a demand forecast survey for the investor 5 and then based on the findings. The value can be assessed and the loan can be determined accordingly.

In addition, even when formal price information exists as intellectual property, the P2P-based financial technology service company (1) conducts a demand forecast survey on the investor (5) due to the possibility of fluctuations in supply and demand. It may be possible to determine or determine the possibility of investment for any loan condition information. Accordingly, the loan applicant 4 may modify the loan application information including the loan condition so as to correspond to the demand prediction survey result.

Similarly, in the case of collateral with intellectual property where no official price information exists, the P2P-based financial technology service company 1 can invest in any loan condition information by conducting a demand forecast survey on the investor 5. You can also decide or decide. Accordingly, the loan applicant 4 may modify the loan application information including the loan condition so as to correspond to the demand prediction survey result.

The intellectual property here can include industrial property rights, copyrights, new intellectual property rights, and Internet operating sites.

Industrial property rights may include patents, utility model rights, trademark rights, and design rights.

Copyright is the intellectual property rights of a work.

Here, the work may include a literary work, a music work, an art work, a theater work, a photo work, a video work, a graphic work, an architectural work, and a computer program.

A literary work may include fiction, poetry, papers, lectures, speeches, screenplays, etc.

Art works may include paintings, calligraphy, sculpture, engravings, crafts, works of applied art, and the like.

Theatrical works may include drama, dance, or silent play.

Figure assets can include maps, diagrams, blueprints, and directions.

Architectural works may include buildings, models for construction, blueprints, design books, and so on.

New intellectual property rights may include trade secrets, biotechnology inventions, domain names, computer programs, semiconductor integrated circuit layout designs, databases, and digital content.

The internet operation site may include a community space and an online information sharing space, such as a micro blog, a homepage, and an internet cafe.

Intellectual property may have a higher security value than the investor's investment point, and security stability may be considered depending on whether the collateral value has declined from the investment point.

For example, if the value of collateral increased from the time of investment, the value of collateral for the intellectual property could be seen to be relatively higher than the time of investment. However, if the value of collateral deteriorated from the point of investment, the value of the collateral for the intellectual property is relatively lower than the point of investment.

Thus, such intellectual property is very difficult to have official pricing information. In the case of collateral that does not have formal price information, such as intellectual property, or that has price volatility due to demand and supply, even if there is official price information, the P2P-based financial technology service company (1) investigates the demand forecast through the investor (5). After that, the value of the collateral may be evaluated to correspond to the survey results, and the loan availability may be determined accordingly.

In addition, P2P mortgage loan financial technology services of the P2P-based financial technology service company (1) have price fluctuations due to supply and demand even if there is no official price information or there is official price information. In the case of cashing in, the preliminary demand forecast survey may provide preferred investors with information to participate in the cashing of collateral. The monetization of the collateral may be carried out if it meets the requirements for implementing the monetization of the collateral after the collateral loan is executed with the intellectual property as collateral.

The P2P mortgage loan financial technology service of the P2P-based financial technology service company 1 may be made by executing a loan to a loan applicant with intellectual property as collateral.

In addition, the P2P collateral loan financial technology services of the P2P-based financial technology service company 1 is made by collecting the funds of the investor (5) who wants to invest the cash assets held by crowdfunding method and executes a loan to the loan applicant.

To this end, the P2P-based financial technology service company 1 receives a loan application from the loan applicant 4 as collateral for the intellectual property. The intellectual property provided as collateral here may be the intellectual property held by the loan applicant 4 or the intellectual property held by a third party.

 The P2P-based financial technology service company 1 may request the investment advisor 2 to evaluate the collateral for the intellectual property provided by the loan applicant 4 as collateral. The investment advisor (2) can calculate the collateral value for the requested intellectual property and provide it to the P2P-based financial technology services company (1).

Meanwhile, the P2P based financial technology service company 1 receives an investment application from the investor 5. The cash asset invested here may be a cash asset held by the investor 5 or a cash asset held by a third party. Herein, the investor 5 may preferably be an individual, but the present invention is not limited thereto and may be a subject capable of investing cash assets. Thus, it can be a corporation, not an individual. Also preferably the investor 5 may be a plurality of investors and a plurality of investors who participate in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 may invest cash funds in a crowdfunding manner and receive an investment return such as interest income or equity income.

The affiliated financial institution 3 may receive an investment from the investor 5 that has received the investment application approval by the P2P based financial technology service company 1.

The affiliated financial institution (3) executes the loan to the loan applicant (4) who has been approved for loan by the P2P-based financial technology services company (1), and regularly or non-pays interest and principal payment procedures from the loan applicant (4). Can be performed regularly.

Similarly, the affiliated financial institution (3) regularly or irregularly pays the investment proceeds, such as interest on the investment, to the investor (5) who has deposited the investment, and if the investment period expires, the investor (5) Return).

2 is a view for explaining a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.

2, in the P2P intellectual property security loan financial technology service system according to an embodiment of the present invention, the financial technology service apparatus 100 may include an advisory support server 200, a financial support server 300, and a wired / wireless communication network. It is configured to interwork with the first information terminal 400 and the second information terminal 500 to perform processing and communication of various data and electronic signals for the P2P intellectual property security loan financial technology service.

The financial technology service apparatus 100 may be configured to include various processors for processing and communicating various data and electronic signals required for P2P intellectual property security loan financial technology services of the P2P based financial technology service company 1. .

In addition, the intellectual property mortgage lending service using the P2P mortgage financing technology provides the loan applicant with a profit when the value is generated by the difference between the value of the collateral at the time of loan and the value of the collateral at the time of the loan. It can also be set up to distribute between investors and investors.

Therefore, the intellectual property promotion and investor connection service using P2P mortgage financing technology appropriately reflects that investors and lenders may have different views on the volatility of collateral during the demand forecasting process through the P2P lending platform.

In other words, the intellectual property mortgage lending service using the P2P mortgage financing technology provides the loan amount between the lender and the investor under the condition that the loan applicant and the investor allocate each other's profits to each other at a negotiated rate. It is a P2P mortgage loan financial technology service that allows loan rates to be negotiated.

If the investor anticipates that the value of the collateral will increase during the loan period, instead of setting the loan interest rate low, the investor may request some of the gains from disposing of the collateral if the collateral increases in value.

In this way, according to the expectations of the profit allocation of the investor, the lender can reduce the burden of fixed costs and allow the lender to borrow a large amount. On the other hand, investors can receive stable fixed interest rates and provide additional expectations for profits from the rise in the value of their collateral.

To this end, the financial technology service apparatus 100 may be configured to include a processor for processing and communicating various data and electronic signals necessary to proceed with the process of executing a loan with the intellectual property as collateral.

In addition, the financial technology service apparatus 100 may include an investment advisor (2) in which a P2P-based financial technology service company (1) performs an evaluation of collateral value of intellectual property, and an affiliated financial institution (3) in which interest and principal payment procedures are performed. It may be configured to include a processor for processing and communication of various data and electronic signals required to proceed with the cooperation business.

In addition, the financial technology service apparatus 100 may be executed in advance when there is no official price information or there is official price information, and there is price volatility due to demand and supply. It will include a processor for processing and communicating various data and electronic signals necessary to proceed with the process of cashing collateral by providing information to participate in the cashing of collateral to the preferred investors secured through the demand forecast survey. Can be. The process of monetization of collateral may be carried out if it meets the requirements for implementing the securitization of collateral after the collateral loan has been executed with the intellectual property as collateral.

In addition, the financial technology service apparatus 100 connects the loan applicant (4) who wants to secure the intellectual property possessed by the collateral and the investor (5) who wants to invest the cash assets held by the crowdfunding method in a P2P lending manner. It can be configured to include a processor for performing processing and communication of various data and electronic signals required to perform the P2P collateral loan financial technology services.

That is, when the financial technology service device 100 receives loan application information such as desired loan information input through the first information terminal 400, the financial technology service device 100 determines whether the loan is possible by examining the loan application information. If it is determined that the loan is possible, the loan is delivered to the loan applicant 4 through the affiliated financial institution 3 of the financial support server 300.

In this case, the financial technology service apparatus 100 may manage the investments previously recruited from the investor 5, and may be configured to deliver loans to the loan applicants 4 determined to be loanable using the same. The loan application information of the loan applicant 4 may be disclosed to the investor, and the investment funds collected in response thereto may be transmitted to the loan applicant 4. However, the present invention is not limited only to such a configuration, and it is obvious that various conventional methods may be applicable, including a mixed form of the two configurations.

The advisory support server 200 includes various data for estimating the collateral value for the valuation of the intellectual property, for example, the intellectual property collateral, performed by the investment advisor 2, and providing the value to the P2P-based financial technology service company 1. It may be configured to include a variety of processors for processing and communication of the electronic signal.

The advisory support server 200 may generate quantitative and qualitative value measurement data by measuring quantitative and qualitative values based on various methods, for example, various data obtained for the intellectual property.

The advisory support server 200 may calculate the growth potential of the intellectual property through various scenario approaches based on the accumulated knowledge data.

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

To this end, the financial support server 300 may process various data and electronic signals necessary for the affiliated financial institution 3 to receive the investment from the investor 5 who has received the investment application approval by the P2P-based financial technology service company 1. It may be configured to include a processor for performing communication.

In addition, the financial support server 300 loans to the loan applicant 4 whose affiliated financial institution 3 is approved for loan by the P2P-based financial technology service company 1, and interest from the loan applicant 4 is applied. And a processor for processing and communicating various data and electronic signals necessary to periodically or periodically perform the principle payment repayment procedure.

In addition, the financial support server 300 periodically or irregularly interest interest on the investment to the investor (5) in which the partner financial institution (3) deposited the investment, and when the investment period expires, the investor (5) It may be configured to include a processor for performing processing and communication of various data and electronic signals necessary to proceed to return to.

3 is a diagram illustrating a financial technology service apparatus in a P2P intellectual property security loan financial technology service system according to an embodiment of the present invention.

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

The data storage unit 110 may store mortgage loan application information, investment product information, and investment application information including intellectual property information and loan condition information to be provided as collateral received from the first information terminal 400.

The processor 120 may receive collateral loan application information for applying for a loan from the first information terminal 400 as a collateral for the intellectual property.

To this end, the processor 120 may communicate with the first information terminal 400 to provide screen information for receiving the security loan application information from the first information terminal 400 to the first information terminal 400. .

The processor 120 transmits collateral evaluation request information to the advisory support server 200 for the intellectual property provided as collateral. To this end, the processor 120 generates collateral evaluation request information based on the security loan application information input from the first information terminal 400.

The intellectual property provided as collateral here may be the intellectual property held by the loan applicant 4 or the intellectual property held by a third party. The present invention is not limited thereto, and intellectual property of various conditions tradeable in the intellectual property trading market may be provided as collateral.

The processor 120 receives the investment request signal from the second information terminal 500. To this end, the processor 120 may communicate with the second information terminal 500 and provide the screen information for receiving the investment application information from the second information terminal 500 to the second information terminal 500.

The cash asset invested here may be a cash asset held by the investor 5 or a cash asset held by a third party.

For example, the loan repayment method may include a lump-sum repayment principle and a principal maturity payment and an interest monthly installment payment method.

The advisory support server 200 receives the intellectual property collateral evaluation request signal from the financial technology service apparatus 100, performs an evaluation on the intellectual property collateral, and returns the evaluation result data to the financial technical service apparatus 100.

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

The advisory support server 200 may execute various scenario access processes for the intellectual property to generate value growth potential information of the intellectual property.

The advisory support server 200 may generate risk management information on the requested intellectual property. Risk management information is generated through data and analytical techniques that assess the value of collateral for the intellectual property referred to. Risk management information may include information on changes in collateral ratios identified in real time.

The financial support server 300 communicates with the second information terminal 500 of the investor 5 that has received the investment application approval from the financial technology service apparatus 100 to perform a financial transaction process of receiving an investment.

The financial support server 300 performs a loan processing process for a loan applicant who is approved for loan by the financial technology service apparatus 100, and performs a process of depositing a loan money into a deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service apparatus 100, and the deposit account information included in the security loan application information received by the financial technology service apparatus 100 from the first information terminal 400. Received and stored. In addition, the financial support server 300 communicates with the first information terminal 400 of the loan applicant 4 to perform the interest and principal payment repayment process regularly or irregularly.

Meanwhile, similarly, the financial support server 300 performs a financial transaction process in which an investor 5 who deposits an investment deposits interest into a designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to receive deposit account information included in the investment application information received by the financial technology service apparatus 100 from the second information terminal 500. Received and stored. The financial support server 300 performs a financial transaction process that returns the investment to the account of the investor 5 when the investment period expires.

The first information terminal 400 and the second information terminal 500 are wired / wireless to enable data transmission / reception with the financial technology service apparatus 100, the financial support server 400, and the storage support server 600 through a communication network. Can be connected to each other.

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

The Internet has many services that exist in the TCP / IP protocol and its upper layers: HTTP (Hyper Text Transfer Protocol), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and SNMP. It is a global open computer network structure that provides Simple Network Management Protocol (NFS), Network File Service (NFS), and Network Information Service (NIS). The first information terminal 400 and the second information terminal 500 provide an environment in which the loan applicant 4 and the investor 5 can be connected to the financial technology service apparatus 100 and the financial support server 400. to provide. 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. An example of an asynchronous mobile communication network is a communication network of a wideband code division multiple access (WCDMA) system. In this case, although not shown in the drawings, the mobile communication network may include, for example, a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be an IP network based on a next generation communication network such as 3G LTE network, 4G network, 5G network, or other IP. Such a communication network serves to mutually transmit signals and data between the first information terminal 400, the second information terminal 500, the financial technology service apparatus 100, the financial support server 400, and the storage support server 600. Do this.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100 and the financial support server 400 through a communication network to use all kinds of wired / wireless communication that can use various financial transaction services. It may be a device.

For example, the first information terminal 400 and the second information terminal 500 include various mobile terminals that communicate through a wireless Internet or a portable Internet. In addition, a palm PC, a smart phone, User interface for accessing the financial technology service device 100 and the financial support server 400 such as a mobile play-station, a digital multimedia broadcasting (DMB) phone with a communication function, a tablet PC, an iPad, and the like. It may mean all wired and wireless home appliances / communication devices having a.

In particular, when the first information terminal 400 and the second information terminal 500 are implemented as a general smart phone, the smart phone is different from a general mobile phone (aka feature phone). Application) It is a phone based on an open operating system that can download, use and delete programs freely.All mobile phones with mobile office functions as well as functions such as voice / video call and internet data communication are generally used. Or it can be understood as a communication device that includes all Internet phones or tablet PCs that do not have a voice call function but have Internet access.

Such a smartphone may be implemented as a smartphone equipped with various open operating systems. For example, the open operating systems include Nokia, Symbian, NOMS, Blackberry, Apple iPhone, and Microsoft. Microsoft's Windows Mobile, Google's Android, Samsung's sea, and so on.

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 controller, 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 range wireless communication module, and a battery for power supply.

The controller is a generic term for a functional configuration that controls the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional component provided in the smartphone through a bus.

The control unit loads and computes at least one program code included in the smartphone through the processor in the execution memory, and transfers the result to the at least one function component through the bus to control the operation of the smartphone.

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

 The screen output unit includes a screen output device (for example, an LCD and an LED device) and an output module for driving the same. The screen output unit is connected to a bus with a controller to output a calculation result corresponding to the screen output among various calculation results of the controller to the screen output device. .

 The key input unit includes a key input device (or a touch screen device interlocking with the screen output unit) having at least one key button and an input module for driving the key input unit, and is connected to the control unit by a bus to instruct various operations of the control unit. Or input data necessary for the operation of the controller.

The sound output unit includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit is connected to a bus with a controller to output a calculation result corresponding to the sound output among various calculation results of the controller through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data 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 sound data input through the microphone to the controller. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit includes an optical unit, a charge coupled device (CCD), and a camera module for driving the same, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both image data and video data of a still image.

The wireless network communication module is a generic 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 radio frequency signals of a specific frequency band. It is connected to transmit the calculation result corresponding to the wireless communication of the various calculation results of the control unit via wireless communication, or to receive and transmit data through the wireless communication to the control unit, the connection, registration, communication, handoff of the wireless communication Maintain the procedure.

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

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 ISO 180000 series standard RFID communication, Bluetooth communication, Wi-Fi communication, public wireless It may include at least one of the communication. In addition, the short range wireless communication module may be integrated with the wireless network communication module.

4 is a flowchart illustrating a P2P knowledge security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service apparatus 100 receives the intellectual property security loan application information from the first information terminal 400 (S10).

Here, the collateral loan application information may include the kind of intellectual property to provide as collateral, the amount of loans desired, loan conditions, deposit account number, name, telephone number, email, address, and the security evaluation grade.

The security evaluation rating may include a loan applicant's knowledge property investment reliability evaluation rating calculated and granted by the security evaluation process of the financial technology service apparatus 100. Intellectual Property Investment Reliability Rating is based on a relative rating based on the relative return calculated by combining the first and second ratings based on the absolute return based on the return of the loan applicant's intellectual property trading information. It may include a third evaluation grade calculated by combining the second evaluation rating.

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

For example, the financial technology service apparatus 100 may provide a terms agreement screen, a member information input screen, a knowledge property information input screen, and a loan condition input screen to input the intellectual property security loan application information.

The financial technology service apparatus 100 performs the security availability verification process as part of the loan examination process based on the intellectual property security loan application information received from the first information terminal 400 (S20).

The financial technology service apparatus 100 may request the advisory support server 200 for a mortgage evaluation and a loan possibility for the intellectual property security loan application information.

The financial technology service apparatus 100 may determine whether the security loan is possible by receiving the collateral available evaluation determination information on the collateral described in the intellectual property security loan application information from the advisory support server 200. As a result of the determination, when the loan is secured, the loanable guide information may be transmitted to the first information terminal 400, and when it is determined that the loan is impossible, the loan information may be transmitted to the first information terminal 400. .

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

The financial technology service apparatus 100 may perform processing and communication with various data and electronic signals necessary to measure the possibility of attracting investment from investors through a loan demand prediction research process in conjunction with the second information terminal 500. have.

That is, the financial technology service apparatus 100 may execute the loan demand prediction research process using the demand prediction P2P platform to predict the loan demand for the investors in conjunction with the second information terminal 500. According to the loan demand prediction result, loanable guide information or non-loanable guide information may be transmitted to the first information terminal 400.

In addition, the financial technology service apparatus 100 interoperates with the first information terminal 400 and processes and communicates various data and electronic signals necessary to enable a loan applicant to modify a loan condition based on a loan demand prediction result. Can be performed.

To this end, the financial technology service apparatus 100 may generate demand prediction request information for aggregating the investable funds to be invested in the intellectual property security loan.

The demand prediction request information may include information on loan amount, loan interest rate, loan period, early repayment, profit share ratio, and interest payment method.

Accordingly, investors participating in the demand forecast may generate demand forecast result information in response to the items described in the item of the demand forecast request information according to their investment method. For example, investors participating in demand forecasts can enter or select $ 50 million in loanable amounts. You can enter or select 5.6% per year for the loan rate. Loan periods can be set for 30 days, 60 days, 90 days, and monthly. You can choose between interest and compound interest as an interest payment method.

The financial technology service apparatus 100 may transmit 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 technology service apparatus 100 determines whether the recruitment amount is satisfied based on the demand prediction result information, and when the recruitment amount is satisfied, the loanable guidance information is provided to the first information terminal 400 based on the determination result. If the transfer amount is insufficient, the loan information may be transmitted to the first information terminal 400.

Meanwhile, the financial technology service apparatus 100 interoperates with the first information terminal 400 to process and communicate data and electronic signals necessary to enable a loan applicant to modify a loan condition based on a loan demand prediction result. Can be done.

For example, the financial technology service apparatus 100 may guide whether the recruitment amount is satisfied based on the demand forecast result information and the amount of the recruitment through the demand forecast, and apply for a loan for the amount of the recruitment. Inquiry information about whether to accept may be provided to the first information terminal 400. Accordingly, if the loan amount is smaller than expected, if the borrower wishes to obtain a loan even a part of the amount, the loan may be applied for a loan to proceed with the 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 when performing the monetization of the collateral.

The demand forecasting process can be used to predict the response that a loan applicant will propose on the platform. The demand forecasting process allows loan applicants to determine whether the loan conditions they are ultimately proposing are appropriate. For example, a loan applicant can assume that he or she can obtain a loan even if he or she proposes a condition that is more favorable to him than the original loan request proposed in the demand forecasting process. For example, a loan applicant can assume that the loan cannot be made under the terms of the initial proposal submitted to the demand forecasting process. The target of notifying the progress of the loan-related demand forecasting may be targeted to a user who has previously registered as a loan investor.

Through the demand prediction research process, the financial technology service apparatus 100 may determine whether a loan condition of a mortgage-based investment product to be initiated is appropriate. For example, the financial technology service apparatus 100 may estimate that a loan may be received even if a condition that is advantageous to a loan applicant is proposed rather than an initial loan request proposal condition submitted to the demand prediction research process. In this case, the financial technology service apparatus 100 may inform the first information terminal 400 about the possibility that the attracting of investors may be terminated early due to the stability of the value of the security asset, and may propose a higher loan rate. You can also suggest a higher loan amount. In addition, the financial technology service apparatus 100 may reflect the positive demand prediction result as a reference of the loan screening process.

Meanwhile, the financial technology service apparatus 100 may estimate that the loan cannot be made under the initial proposal condition submitted to the demand prediction research process. In this case, the financial technology service apparatus 100 may have difficulty in attracting investors or ending in a predetermined period because the value of the security asset in the first information terminal 400 is not being positively evaluated in the current market. We can guide you about the possibilities. In addition, the financial technology service apparatus 100 may propose a lower loan rate in order to attract investors because the value of the security asset in the first information terminal 400 is not positively evaluated in the current market. You can also suggest a lower loan amount.

In addition, the financial technology service apparatus 100 may reflect the negative demand prediction result as a reference of the loan screening process.

The financial technology service apparatus 100 performs a mortgage loan based on a mortgage evaluation and a loan possibility acquired in connection with the advisory support server 200 and the demand forecast survey result for the intellectual property mortgage loan application information in the loan examination process. Can finally be determined.

For example, the financial technology service apparatus 100 may finally determine whether to execute a mortgage loan in consideration of a mortgage evaluation and a loan possibility obtained through interworking with the advisory support server 200. In this case, the demand forecast survey results are merely a reference to whether or not to execute a mortgage loan and may not be reflected in practice.

For example, the financial technology service apparatus 100 may finally determine whether to execute the security loan in consideration of the result of the demand prediction survey. In this case, the collateral evaluation and loan possibility obtained through interworking with the advisory support server 200 are merely internal references and may not be substantially reflected.

For example, the financial technology service apparatus 100 may finally determine whether to execute a mortgage loan in consideration of a mortgage evaluation and a loan possibility obtained through interworking with the advisory support server 200. In this case, the demand forecast survey results can be partially reflected as a reference to whether or not to execute a mortgage loan. In this case, the demand forecast survey results may not necessarily correspond to the mandatory requirements that prohibit the execution of the loan.

For example, the financial technology service apparatus 100 may finally determine whether to execute a mortgage loan in consideration of the result of the demand prediction survey. In this case, the collateral available evaluation and loan possibility obtained through the interworking with the advisory support server 200 may be partially reflected as the reference data on whether the collateral loan is executed. In this case, the collateral evaluation and the loan possibility obtained through the interworking with the advisory support server 200 may not necessarily correspond to the essential requirements for not executing the loan.

For example, the financial technology service apparatus 100 may finally determine whether to execute the mortgage loan in consideration of the mortgage evaluation and the loan possibility obtained through the linkage with the advisory support server 200 and the demand prediction research result. have. In this case, the result of collateral evaluation and loan possibility or demand prediction survey obtained through interworking with the advisory support server 200 may correspond to an essential requirement for not necessarily executing the loan.

That is, a judgment ratio is set for each of the mortgage-able evaluation and loan possibility obtained through the linkage with the advisory support server 200 and the demand prediction survey results, but if either of them does not achieve the minimum recognition rate, the loan is It may not be executed.

When it is determined that the security loan is possible, the financial technology service apparatus 100 performs the intellectual property security loan advance process through the communication of the first information terminal 400 (S40).

To this end, the first information terminal 400 may perform a repurchase conditional knowledge asset transfer process by accessing the integrated computer network. For the repurchase conditional knowledge asset transfer process, the first information terminal 400 may access the integrated computer network and perform the corresponding process.

The financial technology service apparatus 100 may receive a knowledge transfer transfer completion message from the first information terminal 400. To this end, the first information terminal 400 may receive an input signal for confirming that the transfer of the intellectual property is completed from the loan applicant.

The financial technology service apparatus 100 opens the investment product based on the security loan application information received from the first information terminal 400 when the intellectual property security loan advance process is completed, and the second information terminal with respect to the opened investment product. (500) can be viewed by proceeding with the investment attraction to receive the investment application and investment funds from the investor (S50).

In this case, the financial technology service apparatus 100 may display the investment product information so that the investment product in which the second information terminal 500 is opened can be viewed. The investment product information may include collateral information, investment judgment information, and loan condition information.

The collateral information may include information about collateral available to investors among the collateral loan application information. For example, collateral information may include the kind of intellectual property to provide as collateral, loan amount, loan terms, and collateral rating.

The investment determination information may include investment determination information to which information asymmetry is applied. For example, investment judgment information to which information asymmetry is applied may include standardized investment judgment information and atypical investment judgment information. Herein, the formalized investment judgment information is an investment that is quantified by a formal loan evaluation arithmetic expression of the loan examination process based on the intellectual property security loan application information received by the financial technology service apparatus 100 from the first information terminal 400. It may include determination information. For example, the formalized investment judgment information may be a standardized and quantified indicator for the collateral evaluation and the possibility of loan on the intellectual property security loan application information acquired by the financial technology service apparatus 100 to the advisory support server 200. It may include.

Meanwhile, the informal investment judgment information may include information that can be viewed by investors based on the demand forecasting result obtained through the demand forecasting. For example, the informal investment judgment information may be selectively included among the number of investors participating in the demand forecasting survey, investment estimate, investor information, investment participation check result information, collateralized cash involvement check result information, and investment fund information. have.

The investor information may optionally include the type of investor involved in the demand forecast survey, the job group of the investor involved in the demand forecast survey, the company information involved in the demand forecast survey, the preference intellectual property information, the contact information, and the investment propensity information. Contact information may optionally include e-mail, phone number, SNS account information. The investment propensity information may optionally include target yield information and preferred investment period information.

The investment participation check result information may include information indicating that there is a willingness to participate in investment for the security loan.

The collateralized cash intent check result information may include information indicating whether the collateral is willing to buy the collateral when the collateralized cash is executed. The collateralized cash intent participation check result information may include information indicating whether there is a willingness to be preferentially informed when the collateralized cash is executed. The collateralized cash intent check result information may optionally include price information, quantity information, and purchase condition information of the collateral to be bought.

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

In this case, the informal investment determination information may be set to be different from the kind of information that can be viewed according to the grade of the investor. For example, informal investment judgment information may be set to be differential among general members, expert members, special members, and VIP members.

Here, the differential setting of the types of information that can be viewed according to the investor's grade with respect to the informal investment judgment information is to help the investment in consideration of the propensity of the investor.

For example, a regular member may lack expertise in investment compared to a professional member. Therefore, if too professional information is listed, the general members will add to the confusion on the investment information, resulting in a psychological barrier. On the contrary, in the case of an expert member, if the general information is listed too much, it does not give psychological credibility to the investment information. Therefore, by providing a plain type of information according to the general member's eye level, the general member can determine whether to invest without psychological burden on the investment information. Similarly, by providing in-depth kinds of information to the professional members, the expert members can be provided with the opportunity to examine the investment information in detail and effectively judge the investment.

In addition, special members or VIP members can be given more detailed information to give synchronization of specialized memberships to paid members.

In this case, the financial technology service apparatus 100 may communicate with the first information terminal 400 to proceed with investment attraction after the payment of the platform fee is completed.

If the financial technology service apparatus 100 is in the process of attracting investment or there is a request to cancel the collateral loan process from the first information terminal 400 after the investment is completed, the financial investment service and the platform fee may be specified in the investment application information. The process of refunding the investment and platform fee refund to the investor's account can be performed (S60). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted depending on the service policy.

The financial technology service apparatus 100 performs a loan payment, interest payment, and investment payment payment process when investment attraction is normally completed (S70).

To this end, the financial technology service apparatus 100 may perform a loan payment, interest payment, and investment return payment process through a financial service performed by the affiliated financial institution 3 through communication with the financial support server 300.

To this end, the financial support server 300 pays the loan to the loan applicant 4 approved by the P2P-based financial technology service company 1 by the affiliated financial institution 3 to execute the loan. The processing and communication of various data and electronic signals necessary to carry out interest payment or principal repayment procedure from the regular or irregular occasion.

In addition, the financial support server 300 regularly or irregularly pays the investment proceeds, such as interest on the investment to the investor (5) in which the affiliated financial institution (3) deposited the investment.

In addition, the financial technology service apparatus 100 may communicate with the storage support server 600 to perform a management and risk management process for the transferred intellectual property (S80). The risk management process here may include the process of cashing collateral.

In addition, the financial technology service apparatus 100 may periodically or irregularly evaluate the collateral value of the collateral, and when the collateral value decreases, transmit the security deposit additional deposit message to the first information terminal 300. In addition, the financial technology service apparatus 100 may manage risk by counter trading or disposition of the mortgage intellectual property if the collateral additional deposit is not made despite the transmission of the collateral additional deposit message and the collateral value decreases continuously. You can run the process. This process of cashing collateral in storage is called the process of cashing collateral. The process of monetization of collateral is carried out if the collateral is subject to the requirements for implementing the monetization of collateral.

The financial technology service apparatus 100 may perform the loan due date processing process when the loan due date expires (S90).

To this end, the financial technology service apparatus 100 transmits a loan due date notification message to the first information terminal 400 when the loan due date expires, and transfers the title if it is determined that the loan amount is unpaid so that the loan due date expires. Process, the process of transferring the rights to the collateral and proceed to sell the collateral.

Meanwhile, when the repayment of the loan is completed, the financial technology service apparatus 100 may perform the collateral release processing process (S100).

To this end, the first information terminal 400 requests the financial technology service apparatus 100 to process the collateral return and performs the collateral release process to complete the collateral return through the certification of the collateral.

5 is a flowchart illustrating a loan demand prediction research process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 5, the financial technology service apparatus 100 may generate demand prediction request information for aggregating investmentable funds to be invested in an IP mortgage using a demand forecasting P2P platform according to a loan demand forecasting research process. (S31). The loan demand prediction research process may be performed by a request from the first information terminal 400, or may be performed by a basic setting of the loan examination process performed by the financial technology service apparatus 100.

Here, the demand prediction request information may be generated based on the security loan application information for applying for a loan by using the intellectual property that the financial technology service apparatus 100 receives and stores from the first information terminal 400. .

In addition, the investable fund aggregation check information may include the evaluation result data, the collateral value calculation result information, the value growth potential information of the intellectual property, and the risk of the intellectual property collateral received by the financial technology service apparatus 100 from the advisory support server 200. Can be generated based on the management information.

The evaluation result data for the intellectual property collateral is generated by the advisory support server 200 by receiving the intellectual property collateral evaluation request signal from the financial technology service apparatus 100, and performing the evaluation on the intellectual property collateral. 100 may be returned.

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

The value growth potential information of the intellectual property is generated by the advisory support server 200 executing various scenario access processes for the intellectual property.

Risk management information is generated for the intellectual property requested by the advisory support server 200. Risk management information is generated through data and analytical techniques that assess the value of collateral for the intellectual property referred to. Risk management information may include information on changes in collateral ratios identified in real time.

Therefore, the financial technology service apparatus 100 may transmit the demand prediction request information for the aggregation of the investable funds to the second information terminal 500 (S32).

The demand forecast request information may include investment participation intention check information to determine whether the intention to participate in the investment for the intellectual property mortgage loan. In addition, the demand prediction request information may include information on the participation in collateralization of collateralized cash to check whether there is a willingness to participate in the purchase of collateral when the collateralization of the collateral is executed. In addition, the demand forecasting request information includes information on the application of mortgage loans for demand forecasting, evaluation result data on intellectual property collaterals, collateral value calculation result information, and value growth of intellectual property for investors to refer to in determining investment participation. Likelihood information, risk management information, or recruitment amount information may be included.

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

The demand forecast result information may include investor information, investment participation intention check result information, collateralized cash involvement check result information, and investment fund information. The investor information may include the type of investor involved in the demand forecast survey, the job group of the investor involved in the demand forecast survey, the company information involved in the demand forecast survey, the preference intellectual property information, the contact information, and the investment propensity information. Contact information may include e-mail, telephone number, SNS account information. The investment propensity information may include target return rate information and preferred investment period information.

The investment participation check result information may include information indicating that there is a willingness to participate in investment for the security loan.

The collateralized cash intent check result information may include information indicating whether the collateral is willing to buy the collateral when the collateralized cash is executed. The collateralized cash intent participation check result information may include information indicating whether there is a willingness to be preferentially informed when the collateralized cash is executed. The collateralized cash intent participation check result information may include price information, quantity information, and purchase condition information of the collateral to be bought.

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

The financial technology service apparatus 100 determines whether the recruitment amount is satisfied based on the demand prediction result information (S34). The financial technology service apparatus 100 transmits loanable guide information to the first information terminal 400 when the recruitment amount is satisfied according to the determination result (S35).

On the other hand, the financial technology service apparatus 100 transmits a loan impossibility notification message to the first information terminal 400 when the recruitment amount is not sufficient according to the determination result (S26).

6 is a flowchart illustrating a security availability verification process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the first information terminal 400 transmits the security availability authentication request information to the financial technology service apparatus 100 in response to the intellectual property security loan application (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 authentication of security. Therefore, the first information terminal 400 may complete the security availability authentication request based on the intellectual property security 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 collateral-able evaluation request information for the intellectual property security loan application to the advisory support server 300. (S22)

The collateral evaluation request information is request information for inquiring whether the intellectual property is collateral for the IP mortgage application. The collateral-able evaluation request information may be transmitted to the advisory support server 200 by the financial technology service apparatus 100, but the present invention is not limited thereto. The collateral-able evaluation request information may be directly transmitted from the financial technology service apparatus 100 to the certified financial institution server that handles the corresponding intellectual property without passing through the advisory support server 200.

The financial technology service apparatus 100 receives the collateral-able evaluation determination information about the non-cash asset from the advisory support server 200 (S23). In another embodiment of the present invention, the collateral-able evaluation request information may be transmitted to the financial technology service apparatus 100 directly from the certified financial institution server that handles the corresponding intellectual property without passing through the advisory support server 300.

The financial technology service apparatus 100 determines whether or not the security for executing the security loan on the intellectual property is possible from the collateral evaluation decision information on the intellectual property (S24). If it is determined that the security is possible, the loanable guidance information is transmitted to the first information terminal 400 (S25).

If the financial technology service apparatus 100 determines that the security is impossible from the collateral available evaluation determination information on the intellectual property (S24), the financial technology service device 100 transmits the loan impossible guide information to the first information terminal 400 (S26).

7 is a flowchart illustrating a mortgage advance process in the P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 7, the first information terminal 400 transmits collateral received request information to the financial technology service apparatus 100 for the security loan pre-process for the intellectual property (S41). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to request to receive a collateral for the intellectual property. Accordingly, the first information terminal 400 may complete the reception of the collateral for the intellectual property from the menu displayed on the screen information provided by the financial technology service apparatus 100.

Accordingly, the first information terminal 400 may perform a repurchase conditional knowledge asset transfer process by accessing the integrated computer network (S42). For the repurchase conditional knowledge asset transfer process, the first information terminal 400 may access the integrated computer network and perform the corresponding process.

The first information terminal 400 transmits the repurchase condition contract conclusion information to the financial technology service apparatus 100 (S43). To this end, the financial technology service apparatus 100 may provide the first information terminal 400 with menu screen information allowing the first information terminal 400 to transmit the repurchase agreement conclusion completion information. Therefore, the first information terminal 400 may transmit the redemption agreement conclusion completion information from the menu displayed on the screen information provided by the financial technology service apparatus 100. The screen information provided by the financial technology service apparatus 100 may include repurchase agreement information and agreement conclusion agreement information. Here, the repurchase condition refers to the intellectual property if the requested procedure, such as the payment of interest established for the loan, is not followed after the loan is made to the intellectual property as collateral, or if the value of the intellectual property falls below the collateral price. This may include repurchase conditions for intellectual property to dispose of the investor's risks by disposing of it.

8 is a diagram illustrating a security process of collateralized security in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 8, when the financial technology service apparatus 100 approaches or meets the requirement for the security of the collateral for the collateral, the financial technology service apparatus 100 may provide a notification of the cash for the collateral of the collateral including the notice of payment of the maintenance margin for maintaining the collateral. It transmits to the information terminal 400 (S81). The requirement to implement a monetization of collateral may in principle include the value of the collateral falling below the collateral hold line.

If the financial technology service apparatus 100 determines that the maintenance margin is not paid until the preset date passes, the financial technology service apparatus 100 starts the cashing process of the collateral (S82).

The financial technology service apparatus 100 transmits the guide information for participating in the cashing of the collateral to the second information terminal 500 corresponding to the preferred investor information obtained through the demand prediction survey (S83).

Firstly, the investor information can be obtained from the demand forecast result information obtained during the demand forecast survey. The demand forecast result information includes investor information, investment participation intention check result information, collateralized cash involvement intention check result information, and investment fund information.

Investor information may include investor contact information. Contact information may include email, telephone number, SNS account information, preferred intellectual property information, and investment propensity information. The investment propensity information may include target return rate information and preferred investment period information. Accordingly, the financial technology service apparatus 100 may transmit information to participate in the cashing of the collateral to the second information terminal 500 based on the contact information of the preferred investors based on the check result of the participation in the collateralization of the collateralized security. In this context, participating in the collateralization of the collateral means buying the collateral.

The result of the check for participation in collateralization of collateralized cash is information indicating whether the collateral is willing to purchase the collateral when the collateralization of the collateral is executed, information indicating whether the collateral is willing to be preferentially informed when the collateralization of the collateral is executed, and It contains price information, quantity information, and purchase condition information on collateral.

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

The participation request information may include information that informs the purchase intention of the collateral when the collateral is secured, and price information, quantity information, and purchase condition information.

The financial technology service apparatus 100 first proceeds with the selling process for the collateral based on the participation request information received from the second information terminal 500 of the investor (S85). The proceedings of the selling process may be used by appropriately adopting the process of cashing various collaterals. When the sale process is completed and the collateral is cashed, the remaining balance is returned to the lender, excluding the amount to be returned to the investor.

9 is a diagram illustrating a loan due date notification process in a P2P intellectual property security loan financial technology service method according to an embodiment of the present invention.

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

If it is determined that the loan amount is not repaid so that the loan expiration date expires (S92), the financial technology service apparatus 100 proceeds with the transfer of the title. To this end, the financial technology service apparatus 100 transmits the transfer name processing request signal to the financial support server 300.

The financial technology service apparatus 100 proceeds with the process of transferring the right to the intellectual property collateral when the transfer of the title transfer process for the intellectual property collateral is completed (S93). To this end, the financial technology service apparatus 100 may transmit a right transfer request signal to the financial support server 300.

If the financial technology service apparatus 100 completes the process of transferring the rights to the collateral for the intellectual property, the financial technology service device 100 proceeds to the selling and closing process for the collateral (S94). Through this, the financial technology service apparatus 100 completes the sale of the intellectual property collateral.

The embodiment of the present invention has been described in detail with respect to the P2P intellectual property mortgage loan financial technology service method for performing a loan to the loan applicant with the intellectual property as collateral.

It also explained how to raise funds from investors who want to invest their cash assets in crowdfunding and to make loans to loan applicants.

However, in one embodiment of the present invention, some explanations may be omitted for the intellectual property mortgage loan, the P2P loan, the conventional procedure of crowdfunding, and the processing of data and electronic signals to perform the procedure. Such parts may be variously selected and implemented by conventional procedures and data and electronic signal processing, provided that they have knowledge in the relevant field, and although not specifically described, the P2P intellectual property mortgage financing of the present invention. It can be seen that the technical service method can be implemented in various ways.

In addition, in one embodiment of the present invention, the intellectual property mortgage loan application information includes the type of knowledge property, the desired amount of loans, and the knowledge property investment reliability evaluation rating, the knowledge property investment reliability evaluation rating is the intellectual property sales information of the loan applicant In the case of a valuation grade calculated by combining the first valuation grade based on absolute profit calculated by reflecting the return rate according to and the second valuation grade based on relative profit calculated by linking the fluctuation rate of market information with the first valuation grade. It was described.

Accordingly, in another embodiment of the present invention, the P2P mortgage loan financial technology service method may be applied by applying the IPR reliability evaluation based on the IPR performance. In other words, the investment performance based on absolute profit calculated based on the knowledge trading information of the subjects such as the intellectual property investor, and the relative performance based on the relative profit calculated by combining the composite index, index by industry, sales, and similar company information. Considering this, the evaluation grade for evaluating the credibility of the subject's intellectual property investment can be calculated to determine the financial transaction limit when the intellectual property loan or investment is attracted, and the P2P mortgage financial technology service can be performed based on this.

To this end, the financial service apparatus according to an embodiment of the present invention is based on the absolute return and relative return of a professional investor who wishes to borrow in the loan limit calculation method for the assessment of the reliability of the IP investment based on the IP investment performance. This can be calculated.

The past trading history of a professional investor who wants a loan can be used to gauge the success of the investment and the future probability of success. And the more data there is, the greater the confidence in the rating. This is an absolute return on investment performance.

However, when absolute return-based investment results and relative return-based investment results are reflected, the P2P intellectual property loan financial technology service method properly implements the meaning of knowledge property investment reliability evaluation and additional loans from professional investors who wish to borrow. The amount can be elaborated.

Although embodiments according to the present invention have been described above, these are merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent embodiments of the present invention are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the following claims.

Claims (2)

Receiving, by the financial technology service apparatus, the intellectual property security loan application information for applying for the P2P security loan using the intellectual property as the security from the first information terminal;
Performing, by the financial technology service apparatus, a loan examination based on the intellectual property security loan application information;
The financial technology service apparatus establishes an investment product based on the intellectual property mortgage loan application information received from the first information terminal through communication with a financial support server, and provides collateral information, investment judgment information, and loan condition information. Displaying investment product information including the investment information;
Processing of data and electronic signals for the financial technology service device to receive an investment from a second information terminal, execute a security loan with the intellectual property as collateral, and transfer the loan to an account specified in the intellectual property security loan application information; Performing; And
Performing the processing of data and electronic signals for executing the cashing of the collateral when the financial technology service device executes the cashing of the collateral on which the security loan has been executed;
The investment judgment information includes standardized investment judgment information and atypical investment judgment information.
The formalized investment judgment information,
Investment judgment information digitized by the financial technology service apparatus by a formal loan evaluation arithmetic expression of a loan examination process based on the intellectual property security loan application information received from the first information terminal; And
The financial technology service device includes a standardized and quantified index of the mortgage evaluation and loan possibility of the intellectual property mortgage loan application information obtained by requesting an advisory support server.
The informal investment judgment information,
Are set to be differentially offered to regular, professional and special members,
Plain kind of information that can be viewed by the general member and created at the eye level of the general members, Deeper kind of information that can be viewed by the expert member and created at the eye level of the professional members, and the special It is available to members and includes detailed and specialized membership information compared to the above expert members,
The financial technology service device,
By providing the general member with a plain kind of information according to the general member's eye level, he or she can decide whether to invest without psychological burden on the investment information and block the listing of professional information to the general members. By aggravating the confusion about the investment information, thereby preventing the side effects of forming a psychological barrier,
By providing in-depth kinds of information to the expert members according to the level of the expert members, it provides an opportunity to examine the investment information in detail and prevents the general information from being listed. Prevent side effects not given,
A P2P intellectual property loan financial technology service method for providing synchronization to specialized memberships for paid members by providing detailed information to the special members.
A data storage for storing collateral loan application information, investment product information, and investment application information including intellectual property information and loan condition information provided as collateral received from the first information terminal; And
Receiving the intellectual property mortgage loan application information for applying for a P2P security loan from the first information terminal as the security of the intellectual property, and performs a loan examination based on the received intellectual property mortgage loan application information, the first The investment product is opened based on the knowledge property loan application information received from the information terminal, the investment product information including the collateral information, the investment judgment information, and the loan condition information is displayed, and the investment is attracted. When the investment is received based on the investment application information received from the second information terminal through the communication of the collateral, the mortgage is executed with the intellectual property as collateral, and the mortgage is secured. A processor that performs processing of data and electronic signals for executing a cashing of the;
The investment judgment information includes standardized investment judgment information and atypical investment judgment information.
The formalized investment judgment information,
Investment determination information digitized by the processor by a formal loan evaluation arithmetic expression of a loan examination process based on the intellectual property security loan application information received from the first information terminal; And
The processor includes a formalized and quantified index of the collateral evaluation of the intellectual property loan application information obtained by requesting the advisory support server and the loan possibility,
The informal investment judgment information,
Are set to be differentially offered to regular, professional and special members,
Plain kind of information that can be viewed by the general member and created at the eye level of the general members, Deeper kind of information that can be viewed by the expert member and created at the eye level of the professional members, and the special It is available to members and includes detailed and specialized membership information compared to the above expert members,
The processor,
By providing the general member with a plain kind of information according to the general member's eye level, he or she can decide whether to invest without psychological burden on the investment information and block the listing of professional information to the general members. By aggravating the confusion about the investment information, thereby preventing the side effects of forming a psychological barrier,
By providing in-depth kinds of information to the expert members according to the level of the expert members, it provides an opportunity to examine the investment information in detail and prevents the general information from being listed. Prevent side effects not given,
Financial technology service apparatus for providing synchronization to specialized memberships for paid members by providing detailed information to the special members.

Images