KR20200040620A - Peer to peer investment mediating system - Google Patents

Abstract

Various embodiments of the present invention relate to a P2P investment mediation system. The system according to the embodiments includes: a loan applicant device used by at least one loan applicant; an investor device used by at least one investor; and a peer-to-peer (P2P) investment mediation server providing a mediation platform. The P2P investment mediation server is capable of obtaining collateral information and platform fee application information from the loan applicant device via the mediation platform, calculating a collateral evaluation index based on the collateral information, generating collateral evaluation information based on the calculated collateral evaluation index, and providing the collateral information, the collateral evaluation information, and P2P private equity fund information related to the at least one loan applicant for the investor device via the mediation platform. In a case where a first platform fee is obtained from the at least one investor, the server is capable of paying a second platform fee to the at least one loan applicant via the mediation platform, receiving interest corresponding to a lending rate from the at least one loan applicant via the mediation platform, and providing profit corresponding to an investment return for the at least one investor. Other embodiments are also possible.

Description

P2P investment brokerage system {PEER TO PEER INVESTMENT MEDIATING SYSTEM}

The present invention relates to a P2P investment brokerage system, and more particularly, to a P2P investment brokerage system that enables an investor to minimize investment risk in peer-to-peer (P2P) investment.

PEER TO PEER LENDING is a kind of crowdfunding. Instead of going through financial institutions such as banks, individuals borrow and return funds through online platforms. It is also called a social theory in that loans are made using social networking services (SNS). In P2P loans, when a borrower applies for a loan on a platform such as a website that provides P2P services, a large number of investors lend funds to the general public at 10 o'clock and get interest for a fixed period.

Unlike lenders, peer-to-peer loans allow a person with money to choose the person he or she would like to lend to and decide how much to borrow. In this process, P2P lenders seek investment by releasing credit information to investors. Then, on the redemption date, the principal, including certain interest, is returned to the investor.

1 is a diagram illustrating a conceptual diagram of a conventional P2P loan.

Referring to FIG. 1, when a borrower applies for a loan through a P2P company platform, investors apply for an investment by selecting a specific borrower among borrowers provided by the P2P company platform. In addition, the investor transfers the investment to the P2P company platform for investment. The P2P company platform requests the loan to be handled by the lender if the borrower and the investor match. The P2P platform pays the purchase price of principal and interest, which is the right to receive principal and interest, to the lender, and the lender provides the P2P loan by making a loan to the borrower based on the principal and interest.

According to the P2P loan service as described above, the investor has a problem in that the number of products that can be invested is limited because only the one-to-one matching with each borrower is performed through the P2P platform, and the investment is performed based on the credit information of the borrower. There was a problem of high loss risk.

Korean Patent Registration No. 10-0875246

The present invention has been devised to solve the above problems, and by providing an opportunity to invest using a P2P private equity, more efficient investment is possible and by providing collateral evaluation information, the investor's investment risk in the loan can be minimized. The aim is to provide a peer-to-peer investment brokerage system.

According to various embodiments of the present invention, the P2P investment brokering system is a peer to peer (P2P) providing a loan applicant device, an investor device used by at least one investor, and an intermediary platform, each of which is used by at least one loan applicant, respectively. Including the investment intermediary server; The P2P investment intermediary server, obtains collateral information and platform fee application information from the loan applicant device through the intermediary platform, calculates a collateral evaluation index based on the collateral information, and Generate collateral valuation information based on the calculated collateral valuation index, and provide the collateral information, the collateral valuation information, and P2P private equity information related to the at least one loan applicant to the investor device through the intermediary platform, When obtaining the first platform usage fee from the at least one investor , Payment of a second platform fee to the at least one loan applicant through the intermediary platform, and payment of interest corresponding to the loan interest rate from the at least one loan applicant through the intermediary platform to the at least one investor The price corresponding to the return on investment is paid, and the collateral information includes at least one of information related to real estate and information related to animals and plants, and the collateral evaluation index is a price increase keyword calculated by extracting keywords from big data related to articles And a price drop keyword ratio and a survival index of animals and plants.

The P2P investment brokering system according to the present invention as described above can provide accurate and predictable collateral evaluation information to investors by evaluating collateral based on the ratio of the price rising keyword and the price falling keyword and the survival index of animals and plants.

In addition, the P2P investment brokering system according to the present invention can minimize the investor's investment risk by providing the collateral evaluation information evaluated according to the collateral information obtained from the loan applicant.

In addition, the P2P investment intermediary system according to the present invention can provide a product with a higher investment value to an investor by receiving an investment product from another P2P company and providing a P2P private equity fund including a plurality of investment products.

In addition, the P2P investment brokerage system can provide a stable return on investment corresponding to a stable loan interest rate by paying the platform usage fee to the loan applicant by receiving the platform usage fee from the investor and the interest corresponding to the loan interest rate.

In addition, the P2P investment brokerage system can improve transparency by regularly monitoring the platform and P2P private equity products.

In addition, the P2P investment brokerage system may enable investment and operation by directly sourcing products eligible for investment from P2P companies.

In addition, the P2P investment brokerage system can provide P2P private equity composed of high-quality assets only by receiving investment product information from P2P companies in the top positions in the industry.

1 is a conceptual diagram of a conventional P2P loan.
2A is a block diagram showing a P2P investment brokering system according to an embodiment of the present invention.
Figure 2b is an exemplary view showing a P2P investment brokering system according to an embodiment of the present invention.
3 is a flowchart illustrating a P2P investment brokering method according to an embodiment of the present invention.
4 is an exemplary view for explaining a method for generating collateral evaluation information related to real estate according to an embodiment of the present invention.
5 is a flowchart illustrating a method for generating collateral evaluation information related to a plant and animal survival index according to an embodiment of the present invention.
6 is an exemplary view for explaining a method of updating a plant and animal survival index according to a collateral change according to an embodiment of the present invention.
7 is a flowchart illustrating a method of updating collateral evaluation information according to a reference period drawing according to an embodiment of the present invention.
8 is an exemplary view for explaining a method of obtaining new collateral information according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. And, in the description of the embodiment of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described later are terms defined in consideration of the functions of the present invention, which may vary according to a user's or operator's intention or practice. Therefore, the definition should be made based on the contents throughout this specification.

A preferred embodiment of the P2P investment intermediary system according to the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the present embodiments allow the disclosure of the present invention to be complete and the scope of the invention to those skilled in the art. It is provided to inform you.

Various embodiments of the present document may be implemented with software (eg, a program) including instructions stored in a machine (eg, computer-readable storage media). The device may be an electronic device (eg, a server) according to the disclosed embodiments as a device capable of invoking a stored command from a storage medium and operating according to the called command. Instructions can include code generated or executed by a compiler or interpreter. The storage medium readable by the device may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' means that the storage medium does not contain a signal and is tangible, but does not distinguish between data being stored semi-permanently or temporarily on the storage medium.

According to a date and time example, a method according to various embodiments disclosed in this document may be provided as being included in a computer program product. Computer program products are commodities that can be traded between sellers and buyers. The computer program product may be distributed online in the form of a storage medium readable by the device (eg compact disc read only memory (CD-ROM)) or through an application store (eg Play StoreTM). In the case of online distribution, at least a portion of the computer program product may be temporarily stored at least temporarily on a storage medium such as a memory of a manufacturer's server, an application store's server, or a relay server, or may be temporarily generated.

Each component (eg, module or program) according to various embodiments may be composed of a singular or a plurality of entities, and some of the aforementioned sub-components may be omitted, or other sub-components may be omitted. It may be further included in various embodiments. Alternatively or additionally, some components (eg, modules or programs) can be integrated into one entity, performing the same or similar functions performed by each corresponding component prior to integration. According to various embodiments, operations performed by a module, program, or other component may be sequentially, parallelly, repeatedly, or heuristically executed, at least some operations may be executed in a different order, omitted, or other operations may be added. Can be.

2A is a block diagram showing a P2P investment brokering system according to an embodiment of the present invention. Figure 2b is an exemplary view showing a P2P investment brokering system according to an embodiment of the present invention.

Referring to Figure 2a, P2P investment intermediary system according to an embodiment of the present invention P2P investment intermediary server 100, loan applicant device 200, investor device 300, P2P company server 400, and incoming and outgoing detection It may be made of a sensor 500. In addition, the P2P investment brokerage server 100, the loan applicant device 200, the investor device 300, the P2P company server 400, and the incoming and outgoing detection sensor 500 may be connected to each other through a network. Here, the network may include a wireless network and a wired network. For example, the network may be a local area network (eg, Bluetooth, WiFi direct or infrared data association (IrDA)) or a telecommunication network (eg, a cellular network, the Internet, or a computer network (eg, LAN or WAN)). have. Meanwhile, among the above configurations, the P2P vendor server 400 and the incoming / outgoing detection sensor 500 may be omitted according to embodiments.

Referring to FIG. 2B, in one embodiment, the P2P investment brokerage server 100 allows an investor to pay a first platform usage fee (eg, investment) and a loan applicant to receive a second platform usage fee (eg, loan). Can provide an intermediary platform. In addition, the P2P investment intermediary server 100 may receive interest corresponding to the loan interest rate from the loan applicant through the intermediary platform, and may provide the investor with a return corresponding to the return on investment. Meanwhile, the brokerage platform may include a web page or a dedicated app application that can be used by loan applicants, investors, and other P2P companies. In addition, the P2P investment brokerage server 100 invests a P2P private equity fund that includes investment products corresponding to each loan applicant (eg, a business operated by the loan applicant) and other investment products received from other P2P companies through the brokerage platform. Can provide. In addition, the P2P investment brokerage server 100 can evaluate the collateral provided by the loan applicant through the intermediary platform and provide the collateral assessment information to the investor.

In one embodiment, the P2P investment mediation server 100 may include a control unit 110 and a database 120. The control unit 110 may manage loan applicant information, investor information, investment product information, and the like, and may control various operations related to P2P investment as a whole, and control an intermediary platform as a whole. The database 120 may store and store loan applicant information, investor information, and investment product information in a database, and store big data in which a plurality of articles related to real estate are accumulated.

In one embodiment, the loan applicant device 200 may be a device used by at least one loan applicant, the investor device 300 may be a device used by at least one loan applicant, and the P2P company device 400 May be a device used by at least one P2P company. The loan applicant device 200, the investor device 300, and the P2P vendor device 400 may use an intermediary platform or be an installed device.

In one embodiment, the loan applicant device 200, the investor device 300, and the peer-to-peer device 400, for example, a smart phone (smartphone), tablet PC (tablet personal computer), mobile phone (mobile phone) ), Video phone, e-book reader, desktop PC, laptop PC, netbook computer, workstation, server, PDA (personal) digital assistant (PMP), a portable multimedia player (PMP), an MP3 player, a mobile medical device, a camera, or a wearable device.

In one embodiment, the incoming / outgoing detection sensor 500 may be located in a storage place of animals and plants corresponding to the collateral of the loan applicant. Here, the storage location may include various storage locations such as aquaculture farms, warehouses, and the input / output detection sensor 500 may be installed at the entrance of the storage location to detect the arrival and departure of animals and plants. The input / output detection sensor 500 may include, for example, a camera or an infrared sensor.

3 is a flowchart illustrating a P2P investment brokering method according to an embodiment of the present invention. The operations of FIG. 3 may be performed by the P2P investment mediation server 100 of FIG. 2A.

Referring to FIG. 3, in one embodiment, the P2P investment mediation server 100 may obtain collateral information and platform usage fee application information from the loan applicant device 200 through the mediation platform in operation 31. For example, collateral information may include information related to real estate and information related to animals and plants, and platform usage fee application information includes basic personal information of a loan applicant, basic business information in the case of a business, information about a business being run, and credit information. , May include necessary second platform usage fees (eg, loans). Meanwhile, information related to real estate will be described later in detail in FIG. 4, and information related to animals and plants will be described later in detail in FIG. 5.

In one embodiment, the P2P investment mediation server 100 may calculate a collateral evaluation index based on collateral information in operation 32. For example, the collateral evaluation index may include a ratio of a price rising keyword and a price falling keyword calculated by extracting keywords from big data related to an article. In addition, the collateral evaluation index may include the survival index of animals and plants. Details will be described later in FIGS. 4 and 5.

In one embodiment, the P2P investment mediation server 100 may generate collateral evaluation information based on the collateral evaluation index in operation 33. For example, the collateral evaluation information may include information about a rise or fall in the price of real estate, future value information according to the survival index of animals and plants, and the like. Details will be described later in FIGS. 4 and 5.

In one embodiment, the P2P investment brokerage server 100 may provide collateral information, collateral evaluation information, and P2P private equity information related to at least one loan applicant to the investor device through the intermediary platform in operation 34. For example, P2P private equity information may include a plurality of investment products, each corresponding to a plurality of loan applicants.

Meanwhile, although not shown in the drawings, in one embodiment, the P2P private equity information may include investment product information of other P2P companies. For example, the P2P investment brokerage server 100 may receive at least one investment product information from the P2P company device 400, and receive at least one investment product information, pre-stored investment product information, and at least one P2P private equity information may be generated based on the investment product information related to the loan applicant, and P2P private equity information may be provided to the investor device 300 through an intermediary platform.

In one embodiment, the P2P investment brokerage server 100 may pay the second platform usage fee to at least one loan applicant through the mediation platform when the first platform usage fee is obtained from at least one investor in operation 35. . Here, the first platform usage fee may be an investment fee, and the second platform usage fee may be a loan amount. The first platform usage fee can be appropriately distributed according to a preset ratio to the investment products included in the P2P private equity, and the at least one loan applicant is the second platform usage fee summing up the first platform usage fee paid from a plurality of investors Can be paid.

In one embodiment, the P2P investment intermediary server 100 may receive interest corresponding to the loan interest rate from at least one loan applicant through the intermediary platform in operation 36, and receive at least one investor a return corresponding to the return on investment Can be paid.

On the other hand, although not shown in the drawings, according to one embodiment of the invention, P2P private equity products included in the P2P private equity information, the basic loan applicant's document review, loan applicants (e.g., employers) competency evaluation, physical / accounting / It can be decided through the final evaluation by 5 expert committee members.

For example, in the case of individual PF bonds, the brokerage company that operates the P2P brokerage server 100 can set the investment within the amount that can be loaned after completion of the project after the start of construction, and then directly manage the funds. For example, at the project stage, the project can be carried out after the land purchase and licensing is completed after construction begins, and if the pre-sale rate is 0% in consideration of the pre-sale risk, the amount of the mortgage can be accurately estimated and the investment amount can be set below that. In terms of lubrication and retrieval, it is possible to visit the site and check the fair rate to directly fund the subcontractors.

For example, in the case of real-life bonds, the brokerage firm that operates the P2P brokerage server 100 can carry out the project after the completion of land purchase and licensing in the area / type, and considers the repayment risk, the highest amount / emotional evaluation LTV (loan to value ratio) can be set to 80.1% or less based on the amount of money, and bonds held until maturity in terms of management and recovery can be repaid through the commencement of funding or the sale of a non performing loan (NPL). .

For example, in the case of asset-backed bonds, the brokerage firm that operates the P2P brokerage server 100 can establish a recovery strategy such as selling LPL within 30% or less by liquidating assets that can be delivered in medium-term cash. . For example, franchise sales bond securitization can be used among asset-backed bonds.

4 is an exemplary view for explaining a method for generating collateral evaluation information related to real estate according to an embodiment of the present invention. The operations of FIG. 4 may be performed by the P2P investment mediation server 100 of FIG. 2A. The operations of FIG. 4 may be an embodiment of operations 31 and 32 of FIG. 3.

Referring to FIG. 4, in one embodiment, the P2P investment brokerage server 100 may determine at least one of the name, location, and current price of the real estate by obtaining information related to real estate in operation 41.

In one embodiment, the P2P investment mediation server 100 may check a plurality of articles corresponding to information related to real estate during a designated setting period, based on big data related to articles stored in the database 120 in operation 42. . For example, the designated set period may be appropriately set in consideration of the nature of the investment product. Here, the plurality of articles may be articles including real estate related to the loan applicant (eg, articles related to Gangnam real estate). On the other hand, the P2P investment brokerage server 100 includes the name of the real estate possessed by the loan applicant (for example, the name of the apartment in the case of an apartment, the name of the landmark closest to the land in the case of the land, the "old" to which the apartment or land belongs) Alternatively, articles containing administrative names such as "city" or "east" may be identified as articles related to real estate related to the loan applicant.

In one embodiment, the P2P investment mediation server 100 may extract a price rising keyword and a price falling keyword from a plurality of articles in operation 43. For example, the price increase keyword may include "rise", "rise", "oli", "height", high ", etc., and the price decrease keyword may include" falling "," falling "," descending "," Down "and the like.

In one embodiment, the P2P investment mediation server 100 may calculate the ratio of the price rising keyword and the price falling keyword in operation 44. For example, a ratio of a rising keyword and a falling keyword may be determined from the total number of keywords mentioned in a plurality of articles.

In one embodiment, the P2P investment mediation server 100 may generate collateral evaluation information based on the calculated ratio in operation 45. For example, the P2P investment intermediary server 100 may include positive information in collateral evaluation information when the number of price increase keywords is higher than the number of price decrease keywords.

 For example, when the ratio of the price rising keyword and the price falling keyword is 6: 4, the generated collateral evaluation information includes the ratio of the keyword, the content that the price increase of the property is predicted, and the collateral value of the property according to the prediction of the increase. Content, and the like. Therefore, the investor can proceed more safely.

5 is a flowchart illustrating a method for generating collateral evaluation information related to a plant and animal survival index according to an embodiment of the present invention. The operations of FIG. 5 may be performed by the P2P investment mediation server 100 of FIG. 2A. The operations of FIG. 5 may be an embodiment of operations 31 and 32 of FIG. 3.

Referring to Figure 5, in one embodiment, the P2P investment brokerage server 100, in operation 51, the origin, type, sex, age (a), average life (p), growth period, number, storage location, storage of plants and animals You can check at least one of the operator of the place and the price of the animals and plants at the present time. For example, the country of origin may be the region where the animals and plants were first born, the growing season may be a stage of growth according to the type of animals and plants, and the storage place may be a place where the loan applicant stores the animals and plants.

In one embodiment, the P2P investment mediation server 100, in operation 52, the weight of the origin (o), the weight of the kind (t), the weight of the gender (s), age (a), average life (p), storage Using the weight (d) of the place and the weight (g) of the growing season, the animal and plant survival index L can be calculated according to the following equation. It can be determined that the higher the animal and plant survival index (L), the higher the probability that animals and plants will survive and the higher the value of collateral.

[Equation]

In one embodiment, the animal and plant survival index (L) may be calculated as follows, since this is only an example, it may be calculated by various numerical values and calculations based on the above formula.

For example, the weight (o) of the origin may be a value evaluated based on a moving distance between the storage location and the origin. Animals and plants feel fatigue as the distance to the storage area increases, which may affect survival. Thus, for example, the weight may be 0.5 when the country of origin is domestic, and the weight may be 1 when the country of origin is overseas.

For example, the weight (t) of the kind may be a value evaluated based on the kind that can be frequently purchased by general consumers, and may classify and weight the animals and plants with high demand according to the grade. For example, in the case of cattle, chicken, and pigs, the weight may be 10 as a first grade, and animals and plants with very low demand may have a weight of 1 as a 10th grade.

For example, the weight (s) of the gender may be a value evaluated according to the male and female, and the female may have a baby, so the female weight may be 1, and the male weight may be 0.5.

For example, the age (a) may be the average age of animals and plants at the present time, and the average lifespan (p) may be the average according to the type of animals and plants. The higher the difference value, the more likely it is to live longer, so the difference in life expectancy (p) minus age (a) can be weighted.

For example, the weight (d) of the storage place may be a value evaluating the location and environment of the storage place. Weight can be weighted by how well the place of storage is favorable for preservation of animals and plants.

For example, the weight (g) of the growing season may be a value evaluated according to the growing stage. Among the animals and plants, the more nutritional and environmentally demanding the growing season is, the lower the weight can be, and the higher the weight can be given to animals and plants that can grow without great effort.

In one embodiment, the P2P investment mediation server 100 may generate collateral evaluation information based on the survival index of animals and plants in operation 53. For example, the generated collateral evaluation information may include a survival index of animals and plants, a comment on the probability of survival of animals and plants, and information on the collateral value of animals and plants according to the probability of survival of animals and plants.

6 is an exemplary view for explaining a method of updating a plant and animal survival index according to a collateral change according to an embodiment of the present invention. The operations of FIG. 6 may be performed by the P2P investment mediation server 100 of FIG. 2A.

Referring to FIG. 6, in one embodiment, the P2P investment intermediary server 100 may obtain the status of entering and receiving animals and plants from the detection sensor 500 in operation 61. For example, the detection sensor 500 may transmit the accumulated stocks of plants and animals to the P2P investment brokerage server 100 every predetermined period (3 months).

In one embodiment, the P2P investment intermediary server 100 may compare the pre-specified collateral change condition and the incoming and outgoing status of plants and animals in operation 62. For example, animals and plants may be stored in a storage location of a certain number or more, and the P2P investment brokerage server 100 may confirm a change in the number of stored individuals. Here, the pre-specified collateral change condition may be a condition that the value of the collateral is determined to increase (eg, increase in population) or decrease (eg, decrease in population) as a certain number of population fluctuates (eg, increase or decrease in population by 1% compared to the total). And can be set to various criteria.

In one embodiment, the P2P investment intermediary server 100 may determine whether the collateral state has been changed in operation 63 as a result of comparing the pre-specified collateral change condition and the status of the incoming and outgoing of plants and animals. For example, the change in collateral status may be a decrease or rise in the value of the collateral, and the P2P investment brokerage server 100 may change the population so that the collateral value of plants and animals is likely to decrease or rise to a certain percentage or more (eg 1%). You can check if there is. For example, the number of individuals has increased according to the status of the arrival and departure of animals and plants, and if the increase in the number of individuals leads to an increase in the value of the collateral, the P2P investment brokerage server 100 may determine that the collateral status has changed.

In one embodiment, when it is determined that the collateral status has been changed, the P2P investment brokerage server 100 may update the animal and plant survival index in operation 64. For example, the P2P investment mediation server 100 may check factors included in the above formula, which are changed according to the changed population, and update the plant and animal survival index accordingly.

In one embodiment, the P2P investment mediation server 100 may update the collateral evaluation information according to the updated animal and plant survival index in operation 65. For example, the updated collateral evaluation information may include information about an increase or decrease in the value of the collateral according to the change in the population.

In one embodiment, the P2P investment mediation server 100 may provide the updated collateral evaluation information to the investor device 300 through the mediation platform in operation 66. Of course, although not shown in the drawing, the P2P investment brokerage server 100 may provide updated collateral evaluation information to the loan applicant device 200, and the loan applicant may call for collateral evaluation information.

On the other hand, although not shown in the drawing, P2P investment intermediary server 100 may update the plant and animal survival index when changes in factors included in the formula, such as changes in storage locations and changes in plant and animal types, as well as changes in populations occur have.

7 is a flowchart illustrating a method of updating collateral evaluation information according to a reference period drawing according to an embodiment of the present invention. The operations of FIG. 7 may be performed by the P2P investment mediation server 100 of FIG. 2A.

Referring to FIG. 7, in one embodiment, the P2P investment mediation server 100 may set a designated reference period in operation 71. For example, the designated reference period can be 3 months, 6 months, or 1 year.

In one embodiment, the P2P investment mediation server 100 may determine whether the designated reference period has passed in operation 72.

In one embodiment, when the designated reference period has elapsed, the P2P investment brokerage server 100 may update the ratio of the price rising keyword and the price falling keyword or the animal and plant survival index in operation 73. For example, the P2P investment brokerage server 100 may calculate the ratio of the price rising keyword and the price falling keyword at the present time or the animal and plant survival index.

In one embodiment, the P2P investment mediation server 100 may update the collateral evaluation information in operation 74. For example, the updated collateral evaluation information may include content about the collateral value of the real estate at the present time, content about the collateral value of animals and plants, and the like.

In one embodiment, the P2P investment brokerage server 100 may provide the updated collateral evaluation information to the investor device 300 through the brokerage platform in operation 75.

8 is an exemplary view for explaining a method of obtaining new collateral information according to an embodiment of the present invention. The operations of FIG. 8 may be performed by the P2P investment mediation server 100 of FIG. 2A.

Referring to FIG. 8, in one embodiment, the P2P investment brokerage server 100 may compare the acquired collateral information and collateral reference conditions in operation 81. For example, collateral criteria include restrictions on the type of collateral (e.g., restrictions on the types of animals and plants with little demand), limits on number, and restrictions on the location of real estate (e.g., on areas with little demand). Real estate).

In one embodiment, the P2P investment mediation server 100 may determine whether the collateral criteria are satisfied in operation 82.

In one embodiment, if the collateral criteria are not satisfied, the P2P investment brokerage server 100 may transmit a message requesting a collateral change to the loan applicant device in operation 83.

In one embodiment, the P2P investment mediation server 100 may acquire new collateral information from the loan applicant device in operation 84.

According to various embodiments of the present invention, the P2P investment brokering system is a peer to peer (P2P) providing a loan applicant device, an investor device used by at least one investor, and an intermediary platform, each of which is used by at least one loan applicant, respectively. Including the investment intermediary server; The P2P investment intermediary server, obtains collateral information and platform fee application information from the loan applicant device through the intermediary platform, calculates a collateral evaluation index based on the collateral information, and Generate collateral valuation information based on the calculated collateral valuation index, and provide the collateral information, the collateral valuation information, and P2P private equity information related to the at least one loan applicant to the investor device through the intermediary platform, When obtaining the first platform usage fee from the at least one investor , Payment of a second platform fee to the at least one loan applicant through the intermediary platform, and payment of interest corresponding to the loan interest rate from the at least one loan applicant through the intermediary platform to the at least one investor The price corresponding to the return on investment is paid, and the collateral information includes at least one of information related to real estate and information related to animals and plants, and the collateral evaluation index is a price increase keyword calculated by extracting keywords from big data related to articles And a price drop keyword ratio and a survival index of animals and plants.

According to various embodiments, the P2P investment brokerage server includes a database in which big data related to the article is stored, and the P2P investment brokerage server acquires information related to the real estate, thereby obtaining the name, location, and current time of the real estate. Check at least one of the prices, check a plurality of articles corresponding to the information related to the real estate for a specified period of time, based on the big data associated with the article, and increase prices and price decrease keywords in the multiple articles Extracting, calculating a ratio of the price rising keyword and the price falling keyword, and generating the collateral evaluation information based on the calculated ratio.

According to various embodiments, when the P2P investment brokerage server passes a designated reference period, the calculated ratio is updated, the collateral evaluation information is updated according to the updated ratio, and the updated collateral evaluation information Can be provided to the investor device through the intermediary platform.

According to various embodiments of the present disclosure, the P2P investment brokerage server obtains information related to the animals and plants, and the origin, type, sex, age (a), average life (p), growth period, number, storage place, and storage place of the animals and plants. The operator, and at least one of the price at the present time of the animals and plants, the weight of the origin (o), the weight of the kind (t), the weight of the gender (s), the age (a), the average life span (p), using the weight (d) of the storage place, and the weight (g) of the growing season to calculate the animal and plant survival index (L) according to the following formula, and based on the animal and plant survival index (L) The collateral evaluation information may be generated.

According to various embodiments of the present disclosure, when the P2P investment brokerage server passes a designated reference period, the calculated animal and plant survival index is updated, and the collateral evaluation information is updated according to the updated animal and plant survival index, and the update is performed. A collateral evaluation information may be provided to the investor device through the brokerage platform.

According to various embodiments of the present disclosure, the P2P investment brokerage system further includes an input / output detection sensor for animals and plants located in the storage location, and the P2P investment brokerage server acquires the input / output status of the animals and plants from the detection sensor, and is designated in advance. Comparing the conditions of collateral change and the status of deposit and withdrawal of the animals and plants to determine whether the collateral status has changed, and if it is determined that the collateral status has been changed, update the animal and plant survival index and evaluate the collateral based on the updated animal and plant survival index And renewed collateral evaluation information to the investor device through the brokerage platform.

According to various embodiments of the present disclosure, the detection sensor may transmit the cumulative and incoming and outgoing status of plants and animals at a predetermined period to the P2P investment brokerage server.

According to various embodiments of the present disclosure, the P2P investment brokerage server provides the updated collateral evaluation information to the loan applicant device through the brokerage platform.

According to various embodiments, the P2P investment brokerage server compares the acquired collateral information and collateral reference conditions, and changes the collateral if the collateral corresponding to the acquired collateral information does not satisfy the collateral criteria A requesting message may be transmitted to the loan applicant device.

According to various embodiments, the P2P investment brokerage system further includes a P2P vendor brokerage device, and the P2P investment brokerage server receives at least one investment product information from the P2P vendor brokerage device, and the received at least one investment product Generate the P2P private equity information based on information, pre-stored investment product information, and investment product information related to the at least one loan applicant, and provide the P2P private equity information to the investor device through the intermediary platform You can.

In the above, although the present invention has been described by specific matters such as specific components and limited embodiments and drawings, it is provided only to help a more comprehensive understanding of the present invention, and the present invention is limited to the above embodiments No, those skilled in the art to which the present invention pertains may seek various modifications and variations from these descriptions.

Therefore, the spirit of the present invention is not limited to the above-described embodiments, and should not be determined, and all claims that are equally or equivalently modified with the claims as described below belong to the scope of the spirit of the present invention. will be.

100: P2P investment mediation server
200: loan applicant device
300: investor device
400: P2P vendor device
500: incoming and outgoing detection sensor

Claims (10)

It includes a loan applicant device used by each of at least one loan applicant, an investor device each used by at least one investor, and a peer-to-peer (P2P) investment intermediary server that provides an intermediary platform.
The P2P investment brokerage server,
Obtain collateral information and platform usage fee application information from the loan applicant device through the intermediary platform,
Computing collateral evaluation index based on the collateral information,
Generate collateral evaluation information based on the calculated collateral evaluation index,
Providing the collateral information, the collateral evaluation information, and P2P private equity information related to the at least one loan applicant to the investor device through the intermediary platform,
When obtaining the first platform usage fee from the at least one investor, the second platform usage fee is paid to the at least one loan applicant through the intermediary platform, and
Through the intermediary platform, the interest corresponding to the loan interest rate is paid from the at least one loan applicant, and the return corresponding to the return on investment is paid to the at least one investor,
The collateral information includes at least one of information related to real estate and information related to animals and plants,
The collateral evaluation index includes at least one of a ratio of a price rising keyword and a price falling keyword and a survival index of animals and plants calculated by extracting keywords from big data related to an article.
The method of claim 1, wherein the P2P investment intermediary server includes a database storing big data related to the article,
The P2P investment brokerage server,
Acquiring information related to the real estate to identify at least one of the name, location, and current price of the real estate,
Based on the big data associated with the article, check a plurality of articles corresponding to the information related to the real estate for a specified set period,
Extracting a price rising keyword and a price falling keyword from the plurality of articles,
Calculate a ratio of the price increase keyword and the price decrease keyword, and
P2P investment brokering system, characterized in that for generating the collateral evaluation information based on the calculated ratio.
According to claim 2, wherein the P2P investment intermediary server,
When the specified reference period is exceeded, the calculated ratio is updated,
Update the collateral evaluation information according to the updated ratio, and
P2P investment brokerage system, characterized in that to provide the updated collateral evaluation information to the investor device through the brokerage platform.
According to claim 1, wherein the P2P investment intermediary server,
By obtaining information related to the animals and plants, at least one of the origin, type, gender, age (a), life expectancy (p), growth period, number, storage place, operator of the storage place, and the price of the animals and plants at the present time Check it out,
The weight (o) of the origin, the weight (t) of the kind, the weight (s) of the gender, the age (a), the average life (p), the weight (d) of the storage place, and the growth period Calculate the animal and plant survival index (L) according to the following formula using the weight (g), and
P2P investment brokerage system, characterized in that for generating the collateral evaluation information based on the animal and plant survival index (L).
[Equation]

The P2P investment intermediary server according to claim 4,
When the specified reference period is exceeded, the calculated animal and plant survival index is updated,
Update the collateral evaluation information according to the updated animal and plant survival index, and
P2P investment brokerage system, characterized in that to provide the updated collateral evaluation information to the investor device through the brokerage platform.
The method of claim 4, wherein the P2P investment intermediary system further comprises a sensor for detecting incoming and outgoing animals and plants located in the storage area,
The P2P investment brokerage server,
Obtain the status of the incoming and outgoing plants and animals from the detection sensor,
Comparing the pre-specified collateral change conditions with the status of deposit and withdrawal of the animals and plants to determine whether to change the collateral status,
If it is determined that the collateral status has changed, the animal and plant survival index is updated,
Update the collateral evaluation information according to the updated animal and plant survival index, and
P2P investment brokerage system, characterized in that to provide the updated collateral evaluation information to the investor device through the brokerage platform.
The P2P investment intermediary system according to claim 6, wherein the detection sensor transmits the incoming and outgoing status of plants and animals accumulated at predetermined periods to the P2P investment intermediary server.
7. The P2P investment brokering system according to claim 6, wherein the P2P investment brokerage server provides the updated collateral evaluation information to the loan applicant device through the brokerage platform.
According to claim 1, wherein the P2P investment intermediary server,
Comparing the acquired collateral information and collateral reference conditions, and
When the collateral corresponding to the acquired collateral information does not satisfy the collateral criteria, a message for requesting a collateral change is transmitted to the loan applicant device.
The method of claim 1, wherein the P2P investment intermediary system further comprises a P2P vendor device,
The P2P investment brokerage server,
Receiving at least one investment product information from the peer-to-peer device,
Generating the P2P private equity information based on the received at least one investment product information, pre-stored investment product information, and investment product information related to the at least one loan applicant, and
P2P investment brokerage system, characterized in that to provide the P2P private equity information to the investor device through the brokerage platform.

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