KR20210017956A - Server and method for providing information of p2p finance banking and system thereof - Google Patents

Abstract

The present invention relates to a method for providing relational P2P financial information and a system therefor. The system comprises: a user information reception unit for receiving user information from an investor and a borrower; a user information storage unit for storing the user information of the investor and the borrower received by the user information reception unit; a relationship information generation unit for generating relationship information between the investor and the borrower by using the user information of the investor and the borrower stored in the user information storage unit; a relational bond information generation unit for generating relational bond information by using the relationship information generated by the relationship information generation unit; and a relational bond information transmission unit for transmitting, to the investor, the relational bond information generated by the relational bond information generation unit. Therefore, according to the present invention, an investor can make a reasonable decision since a homogeneous relationship between the investor and the borrower can be formed compared with a loan that is carried out only through an existing quantitative examination method, and the borrower can maximize his/her repayment intention or repayment ability, thereby reducing the risk of insolvency such as overdue payment.

Description

Relational P2P financial information provision server, method, and system thereof {SERVER AND METHOD FOR PROVIDING INFORMATION OF P2P FINANCE BANKING AND SYSTEM THEREOF}

The present invention relates to a method and system for providing P2P (Peer to Peer) financial information through relational finance, and in detail, analyzing information of investors and borrowers so as to have homogeneity between investors and borrowers who have subscribed to P2P financial loan services. Thus, it relates to a method and system for providing P2P financial information through relational finance that provides bond information and investor information including mutually related relationship information.

Online Peer-to-Peer (hereinafter referred to as P2P) loans are online finance in which borrowers and investors connect directly online without intermediary functions of financial institutions. Online P2P loans do not require a separate offline branch, and can be operated with a relatively small number of people compared to offline financial institutions.

Therefore, it is possible to provide borrowers with relatively cheaper interest rates than existing financial sector loans, but it is being used as a new funding method for low creditors and bad creditors with limited institutional bank loans, so online P2P loans are borrowers who receive first financial sector loans. There is a problem in that investors have difficulty in making a willing investment because of the large proportion of borrowers with relatively low repayment ability or willingness to repay compared to other companies, and even if the investment is decided, the borrower cannot recover the investment due to arrears in repaying loans.

This is because the trust relationship between investors and borrowers is weak in the P2P lending market, and it can be seen as a problem caused by information asymmetry between input and borrowers.

The present invention was conceived to solve the above-described problem, and the present invention strengthens the relationship of market participants through relational finance that provides bond information and investor information including relational information related to each other by analyzing information of investors and borrowers. It aims to reduce the risk of insolvency such as overdue.

In addition, the present invention provides a voucher for the use of products or services provided by the borrower and producer to investors and consumers, so that the borrower and producer can discover new distribution channels, and the investor and consumer can provide quality goods or services. It aims to provide a new revenue model to crowdfunding operators by receiving and providing feedback on this.

In order to achieve the above object, the relational P2P information providing server of the present invention includes a user information receiving unit that receives user information from investors and borrowers, a user information storage unit that stores user information of investors and borrowers received from the user information receiving unit, Relationship information generation unit that generates relationship information between investors and borrowers using the user information of investors and borrowers stored in the user information storage unit, and relational bond information that generates relational bond information using relationship information generated by the relationship information generation unit It includes a generating unit, a relational bond information transmission unit for transmitting the relational bond information generated by the relational bond information generation unit to the investor.

In addition, the user information of investors and borrowers received by the user information receiving unit is characterized in that it includes financial information of investors and borrowers and personal information of investors and borrowers.

In addition, the relationship information generation unit of the present invention generates the first relationship information by using the relationship between the financial information of the investor and borrower received by the user information receiving unit, and the relationship between the personal information of the investor and borrower received by the user information receiving unit It is characterized in that the second relationship information is generated by using.

In addition, the relational bond information generation unit of the present invention provides the first relational bond information including the first relationship information and the second relationship information, and a second relational bond for executing an investment in a single bond including the first relationship information. The information is characterized by generating third relational bond information for executing diversified investment in a plurality of bonds including the first relationship information.

In addition, the relational P2P information providing server of the present invention may further include a user management unit that manages investors and borrowers using the first relationship information, the second relationship information, and personal information of the investor and borrower.

At this time, the user management unit manages using the relational investor information generation module that generates relational investor information by matching the personal information of at least one investor who has completed the investment with the personal information of the borrower, the first relational information and the second relational information. It includes a message generation module that generates a message, and a message transmission module that transmits relational investor information or management messages to investors or borrowers.

On the other hand, the user management unit may further include a re-loan information generation module that generates a re-loan information message requesting a re-loan to the creditor of the debtor, if the borrower maintains repayment or when the borrower requests reinvestment, At this time, the message transmission module is characterized in that it further transmits the reloan information message.

In addition, the relational P2P information providing server of the present invention performs authentication according to the producer authentication information transmitted from the crowdfunding providing server, and if it is identified as a borrower and producer as a result of authentication, it provides a voucher to the investor and consumer and provides the voucher. It may further include a crowdfunding linkage unit that manages the usage history of.

The relational P2P financial loan information provision method performed by the relational P2P information providing server of the present invention includes the steps of (1) receiving user information of investors and borrowers from the investor terminal and the borrower terminal, and the investor and borrower received in the step (1). Storing user information of, (3) generating relationship information between the investor and the borrower using the user information of the investor and borrower stored in the step (2), (4) the generated in step (3) And (5) transmitting the relational bond information generated in step (4) to the investor terminal by using the relationship information.

At this time, authentication is performed according to the producer authentication information transmitted from the crowdfunding server, and if the authentication is confirmed as a borrower and producer, the step of providing the voucher to the investor and consumer and managing the usage history of the provided voucher is further performed. Can include.

In the case of the present invention, by providing relational bond information including relational information that is mutually relevant to investors and borrowers who have subscribed to P2P financial loan services to investors, investors can form homogeneity with borrowers, whereby investors invest quickly. And reinvestment can be decided.

Furthermore, by transmitting information about investors to borrowers, borrowers can also form a similarity with investors, so that borrowers can maximize their repayment ability and willingness to repay.

On the other hand, if the borrower is a product producer, the investor can become an investor and consumer rather than a simple investor by providing a reward voucher to the investor, and the borrower and producer can use the loan principal and interest as the income earned from the investor and consumer's purchase of the product. The advantage is that it can be repaid and the delinquency rate can be lowered. In addition, investors and consumers receive high-quality products and services at reasonable prices through vouchers, and by delivering feedback on this to the crowdfunding platform, borrowers and producers gain new distribution channels, and the crowdfunding platform attracts additional members. It has the advantage of being able to induce.

1 is an exemplary diagram showing the factors of successful investment in a conventional P2P online platform.
2 is a block diagram of a relational P2P financial information providing system according to an embodiment of the present invention.
3 is a configuration diagram of a relational P2P information providing server according to an embodiment of the present invention.
4 is a configuration diagram of a user management unit according to an embodiment of the present invention.
5 and 6 are exemplary diagrams for explaining second relationship information according to an embodiment of the present invention.
7 is an exemplary diagram for explaining relational bond information according to an embodiment of the present invention.
8 is an exemplary diagram for explaining first relational bond information according to an embodiment of the present invention.
9 is an exemplary view for explaining second relational bond information according to an embodiment of the present invention.
10 is an exemplary diagram for explaining third relational bond information according to an embodiment of the present invention.
11 is an exemplary diagram for explaining investor information according to an embodiment of the present invention.
12 is an exemplary diagram for explaining a reloan information message according to an embodiment of the present invention.
13 is a flowchart illustrating a voucher providing process of a crowdfunding linkage unit according to an embodiment of the present invention.
14 is a flowchart showing a process of a method for providing relational P2P financial information according to an embodiment of the present invention.

Hereinafter, a method and a system for providing P2P financial loan information through relational finance according to the present invention will be described in detail with reference to the accompanying drawings. The described embodiments are provided so that those skilled in the art can easily understand the technical idea of the present invention, and the present invention is not limited thereto. In addition, matters expressed in the accompanying drawings are schematic drawings for easy explanation of embodiments of the present invention and may be different from the actual implementation form.

Meanwhile, each component expressed below is only an example for implementing the present invention. Therefore, in other implementations of the present invention, other components may be used without departing from the spirit and scope of the present invention.

In addition, each component may be implemented with purely hardware or software, but may be implemented with a combination of various hardware and software components that perform the same function. In addition, two or more components may be implemented together by one piece of hardware or software.

In addition, the expression “including” certain elements simply refers to the existence of the corresponding elements as an expression of “open type”, and should not be understood as excluding additional elements.

Further, when a component is connected to or is referred to as being connected to another component, it should be understood that it may be directly connected or connected to the other component, but other components may exist in the middle.

In addition, expressions such as'first, second', etc. are used only for distinguishing a plurality of elements, and do not limit the order or other features between the elements.

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

To briefly explain the conventional online P2P market, the existing online P2P loans depend on the credit rating model to determine loans, unlike the existing financial sector loans, where the investor directs the borrower's basic financial information and the borrower's social exchange activities or experiences. Loan investment is decided based on such as. Therefore, it is being used as a new means of financing for low-credit people and those with bad credit who have limited institutional bank borrowing.

Therefore, unlike deposits, P2P loans have the potential to lose principal if the borrower defaults on their debts, and there is a risk of high delinquency rates, and various financial accidents such as bankruptcy of brokerage firms may occur. In other words, the P2P loan brokerage business is likely to be a blind spot for regulation because the need for soundness regulation is low, and there is also a risk that if the lending platform fails to perform its role, it can cause great damage to both investors and borrowers.

Referring to Fig. 1, P2P loans are successful and failed in loans and investments according to the investment tendency of each investor, the characteristics of the loan, the characteristics of the borrower, and the characteristics of the platform in a P2P loan platform in which borrowers and investors participate in various attributes. It can be seen that is determined.

Here, a general P2P loan platform provides characteristic information on borrowers as well as loan characteristics. In other words, a general P2P lending platform provides investors with information on borrower characteristics such as credit rating, business type, loan purpose, financial information (sales, DTI), business information, and business period, and investors make investment decisions based on these information. . When an investment is decided through such a process, it may take a long time for the investor to make an investment decision, and the borrower is obligated to repay the loan amount to the investor within a period according to the loan repayment method, but there is a similar relationship with the investor. As it is not, the repayment will or repayment ability is somewhat lowered.

In other words, when an investment decision is made by providing the characteristics of the loan and the characteristics of the borrower, the relationship between the creditor/debtor is not only formed and the identity between the investor and the borrower cannot be created, and the characteristic information of the borrower is provided only to the investor. There is a problem that investors cannot maximize repayment will or repayment ability due to information asymmetry between the borrower and the borrower.

Hereinafter, prior to describing the present invention distinguished from the prior art in detail with reference to the drawings, the terms used in the present invention, "user information, financial information, personal information, relationship information, relational bond information, relational investor information" First, the meaning of

(1) User information collectively refers to information in a broad concept including financial information and personal information of investors and borrowers.

(2) Financial information refers to information necessary for investment and loan.

For example, the investor's investment propensity, financial status, information on the business field desired to invest, investment amount, investment interest rate, investment period, investment purpose, loan amount, loan interest rate, loan period, loan purpose, financial information, credit rating, business period , Overdue history, bankruptcy history, credit limit, guarantee information, collateral information, repayment capability information, etc.

(3) Personal information refers to personal information excluding financial information.

(4) Relationship information includes the first relationship information and the second relationship information, the first relationship information is information on the bonds subject to investment that match the conditions the investor wants to invest, and the second relationship information is the homogeneity between the investor and the borrower. Means information that can form.

(5) Relational bond information means information on bonds in which relationship information is reflected.

(6) Relational investor information refers to information generated by matching the personal information of the investor who has completed the investment with the personal information of the borrower.

2 is a configuration diagram of a relational P2P financial information providing system 1 according to an embodiment of the present invention. 2, a relational P2P financial information providing system 1 according to an embodiment of the present invention may include an investor terminal 10, a borrower terminal 20, and a relational P2P information providing server 100, They can send and receive data with each other through wired and wireless networks.

The investor terminal 10 is a terminal device used by an investor. The investor may transmit user information of the investor himself to the relational P2P information providing server 100 and receive relational bond information in order to obtain a borrower that meets the investment conditions.

The borrower terminal 20 is a terminal device used by the borrower. The borrower may transmit user information of the borrower to the relational P2P information providing server 100 in order to save the investor.

The relational P2P information providing server 100 extracts common points between the user information of the investor and the user information of the borrower based on the user information transmitted from the investor terminal 10 and the borrower terminal 20 to generate relational information. Relational bond information is generated using the relational information and provided to the investor terminal 10.

Relational investor information is generated in relation to the loan for which the investment has been completed, and it is provided to the borrower terminal 20.

At this time, the relational P2P information providing server 100 according to the embodiment of the present invention uses the relational information generated from the user information received from the investor terminal 10 and the borrower terminal 20 to generate relational bond information and this Unlike general bond information or investor information, by providing information to the borrower terminal (20) and delivering information on investors who have invested in relational bond information that has been invested in (10), the mutual trust relationship between investors and borrowers is established. It can be formed and provides an opportunity to maximize the repayment will or ability of the borrower.

Hereinafter, the configuration of the relational P2P information providing server 100 will be described in detail together with FIGS. 3 and 4. FIG. 3 is a view showing a relational P2P information providing server 100 according to an embodiment of the present invention.

Relational P2P information providing server 100 according to an embodiment of the present invention includes a user information receiving unit 110, a user information storage unit 120, a relational information generation unit 130, a relational bond information generation unit 140, a relational type It includes a bond information transmission unit 150. More specifically, a user information receiving unit 110 that receives user information of investors and borrowers from investors and borrowers, and a user information storage unit 120 that stores user information of investors and borrowers received from the user information receiving unit 110 , Using the relationship information generated by the relationship information generation unit 130, which generates the relationship information between the investor and the borrower using the user information of the investor and borrower stored in the user information storage unit 120, the relationship information generation unit 130 It includes a relational bond information generating unit 140 for generating relational bond information, and a relational bond information transmission unit 150 for transmitting the relational bond information generated by the relational bond information generation unit 140 to investors.

The user information receiving unit 110 receives user information from investors and borrowers. The user information received by the user information receiving unit 110 may include financial information of investors and borrowers and personal information of investors and borrowers.

Investor's financial information refers to the financial information necessary for an investor to make an investment.For example, the investor's investment propensity, the investor's financial status, information on the business field desired to invest, the amount of investment, the investment interest rate, the investment period, and the investment purpose It may include.

The borrower's financial information refers to the financial information necessary to receive investment.For example, the borrower's age, business information, loan amount, loan interest rate, loan period, loan purpose, financial information, credit rating, business period, past due history, bankruptcy It may include history, credit limit, guarantee information, collateral information, and repayment capability information.

In this case, the investor's personal information refers to information on individuals excluding financial information. In other words,'personal information' is information about a living individual, and means all information that can identify an individual, such as name, social security number, address, physical information, property information, and social status.

Personal information is classified as an example as follows.

General information: name, social security number, address, phone number, birthday, family relationship

Physical information: fingerprint, iris, DNA, height, health status, medical record, disability level,

Interests and hobbies information: leisure activities, preferred sports, DVD rental records, religion, political parties

Property information: income information, credit card number, account number, house, land, car, etc.

Social information: job information, school, academic background, grades, reward and punishment records, life records, certificate holdings

Other information: call history, e-mail, personal location, IP address, CCTV image information

On the other hand, personal information according to the example classification of the above personal information may be processed into personal information that cannot identify a specific person depending on circumstances, for example, information on residence and hometown extracted only from the address part to a specific city, and occupation information. You can use information on higher classifications such as job groups from.

The user information storage unit 120 is a database that stores user information data. The user information storage unit 120 is a device for storing data and programs required for the operation of the relational P2P information providing server 100, and includes read only memory (ROM), read access memory (RAM), and hard disk (HDD, hard disk). Disk Drive), as well as various well-known storage media such as flash memory, CD-ROM, and DVD.

The relationship information generation unit 130 generates relationship information between the investor and the borrower using user information of the investor and borrower stored in the user information storage unit 120.

At this time, the relationship information generation unit 130 may generate the first relationship information using financial information of investors and borrowers. More specifically, the relational information generation unit 130 extracts the investment conditions desired by the investor using the investor's financial information, extracts the loan conditions using the borrower's financial information, and then matches the investment conditions and the loan conditions to invest It is possible to generate the first relationship information as information on the desired bond.

For example, the investor's investment amount and the borrower's loan amount, information on the business field that the investor wants to invest in and the business information of the borrower, the period the investor wants to invest and the borrower's loan period, the expected return and interest rate that the investor wants, and the investor and borrower By selecting corresponding information such as the desired repayment method, the bonds of the borrowers with the largest matching number can be selected and generated as the first relationship information. In this case, when there are multiple bonds of the selected borrower, the bond with the highest expected yield The first relationship information classified in order may be provided.

In addition, the relationship information generation unit 130 may generate the second relationship information by using the relationship between the personal information of the investor and the personal information of the borrower. In this case, the second relationship information may be generated by matching the personal information of the investor with the personal information of the borrower to extract common information.

Hereinafter, the second relationship information will be described in detail together with FIGS. 5 and 6. FIGS. 5 and 6 are exemplary views of the second relationship information according to an embodiment of the present invention. Referring to FIGS. 5 and 6, after extracting personal information such as the residence, place of birth, occupation, school, and interest of the investor A, second relationship information may be generated by collecting matching information.

8 to 10 are exemplary diagrams of a method of providing relational bond information according to an embodiment of the present invention. 8 to 10, the relational bond information generation unit 140 generates relational bond information using the relationship information generated by the relationship information generation unit 130. At this time, the relational bond information generation unit 140 includes first relational bond information including first relationship information and second relationship information, and second relational bond information for executing investment in a single bond including first relationship information And it is possible to generate third relational bond information for executing diversified investment in a plurality of bonds including the first relationship information.

Specifically, referring to FIG. 8, the investor and borrower's residence, place of birth, occupation, school, interests, along with financial information about the borrower, along with information on the investor's investment tendency, the borrower's credit rating, expected rate of return, repayment period, and repayment method. The first relational bond information may be generated by matching, etc.

Specifically, referring to FIG. 9, second relational bond information providing financial information on the borrower along with information on the investor's investment tendency, the borrower's credit rating, the expected rate of return, the repayment period, and the repayment method may be generated.

Referring to FIG. 10, third relational bond information providing financial information for a plurality of borrowers along with information on an investor's investment propensity, a borrower's credit rating, an expected rate of return, a repayment period, and a repayment method may be generated.

In another embodiment of the present invention, the relational P2P information providing server 100 may further include a user management unit 160 for managing bonds. In more detail, it may include a user management unit 160 for managing investors and borrowers by using the first relationship information, the second relationship information, and personal information of the investor and borrower.

3 is a view showing a user management unit 160 according to an embodiment of the present invention. Referring to FIG. 3, the user management unit 160 includes an investor information generation module 161, a message generation module 162, and a message transmission module 163. In more detail, a relational investor information generation module 161 that generates relational investor information about at least one or more investors for a loan for which investment has been completed, and a management message using the first relational information and the second relational information. It includes a message generating module 162 to generate and a message transmission module 163 for transmitting relational investor information or management message to investors or borrowers.

The investor information generation module 161 can generate relational investor information by matching the personal information of at least one investor who has completed the investment with the personal information of the borrower, and at this time, the relational investor information is a diagram or diagram as shown in FIG. It can be expressed in the form of a bar graph.

The message generation module 162 may generate a management message using the first relationship information and the second relationship information. At this time, the management message may generate a message for completion of loan recruitment, a message for bond management, and a message for anniversaries and congratulations. The message transmission module can transmit relational investor information or management messages to investors or borrowers. An example of a management message transmitted by the message transmission module 163 is as follows.

-Example message about the completion of loan recruitment-

[This is an investment success/congratulations/encouraging message sent by the same industry worker/high school alumni investor A-100. -Borrower B-111, congratulations on the success of your loan. We sincerely ask for repayment in the future, and we hope that you will successfully remodel the restaurant with the loan.]

-Example message generated when overdue occurs-

[Investor ㅇㅇㅇ, current borrower B-111 is overdue for 60 days and plans to transfer the result of bond activity to ㅇㅇ practical information for debt collection. In this case, it will take 3 to 6 months to collect the bonds, and the expected yield is expected to be ㅇㅇ%. Please vote online for consent/disagreement.]

[Borrower B-111 is currently overdue for 60 days, and as a result of voting for 150 investors, with the consent of 120 (80%), it is transferred to ㅇㅇ credit information and is scheduled to collect debt.

-Example message generated when debt collection is necessary due to overdue occurrence-

[This is an investment success/congratulations/encouraging message sent by the same industry worker/high school alumni investor A-100. -Borrower ㅇㅇㅇ, I learned that arrears occurred. It may be difficult, but please repay the principal and interest within one week. In the future, we ask for a sincere repayment without delay. If you agree to repay the principal and interest within one week, please reply by writing "Agree" in this message.]

[Investor ㅇㅇㅇ, we plan to repay the payment within the promised one week, and we will repay the principal and interest without any mistakes.]

-Anniversary/Celebration message example-

[This is an investment success/congratulations/encouraging message sent by the same industry worker/high school alumni investor A-100. -Borrower ㅇㅇㅇ, congratulations on your birthday. I hope you are always healthy, and I hope everything you do goes well.]

In another embodiment of the present invention, the user management unit 160 may further include a reloan information generation module 164. More specifically, reloan information that generates a reloan information message that requests reloan from the creditor of the repayment or completed bond when the borrower maintains repayment of the loan or completes the loan, when the borrower requests reinvestment. It may further include a generating module 164.

Referring to FIG. 12, when the borrower requests reinvestment, the reloan information generation module 164 may generate a reloan information message, and the message transmission module transmits the reloan information message to the borrower terminal.

Referring to FIG. 13, in another embodiment of the present invention, authentication is performed according to producer authentication information transmitted from the crowdfunding server 200, and when the authentication is confirmed as a borrower and producer, a voucher is provided to an investor and a consumer. And it may further include a crowdfunding linking unit 170 for managing the usage details of the provided voucher.

In general, crowdfunding is used as a means of financing for product development and production by using such crowdfunding in a way that producers with insufficient funds open their products or projects online and receive investments from an anonymous majority.

At this time, the borrower-producer provides a voucher to the investor-consumer, so that the borrower-producer can immediately repay the principal and interest of the loan with the profits obtained from the purchase of the investor-consumer, which can directly lead to a decline in the delinquency rate.

At this time, the crowdfunding linkage unit 170 may manage the voucher usage details of investors and consumers. On the other hand, if it is confirmed that the investor and consumer used the voucher, the feedback of the investor and consumer can be transmitted to the crowdfunding server to share the feedback with the crowdfunding users, and through this, the borrower and producer can get a new distribution channel. , The crowdfunding platform will be able to induce the inflow of additional members.

Meanwhile, the user information receiving unit 110, the user information storage unit 120, the relationship information generation unit 130, the relational bond information generation unit 140, the relational bond information transmission unit 150, and the user management unit included in the above embodiment. 160) may be implemented by a memory including instructions programmed to perform these functions, and a computing device including a microprocessor that performs these instructions.

14 is a flowchart illustrating a process of a method of providing relational P2P financial information performed by the relational P2P information providing server 100 according to an embodiment of the present invention. Each step of the method for providing relational P2P financial information according to FIG. 14 may be performed by the relational P2P information providing server 100 described through FIG. 2, and each step will be described as follows.

First, the user information receiving unit 110 receives user information of the investor and the borrower from the investor terminal and the borrower terminal (S100).

Next, the user information storage unit 120 stores the user information of investors and borrowers received by the user information receiving unit 110 (S200).

Next, the relationship information generation unit 130 generates relationship information between the investor and the borrower by using the user information of the investor and borrower stored by the user information storage unit 120 (S300).

Next, the relational bond information generation unit 140 generates relational bond information using the relationship information generated by the relationship information generation unit 130 (S400).

Accordingly, the relational bond information transmission unit 150 transmits the relational bond information generated by the relational bond information generation unit 140 to the investor terminal (S500).

In another embodiment of the present invention, when authentication is performed according to producer authentication information transmitted from the crowdfunding server, and the authentication is confirmed as a borrower and producer, the voucher is provided to the investor and consumer, and the usage history of the provided voucher It may further include a step of managing.

On the other hand, since the processes for the components that are the subjects of each step described above and various embodiments have been described with reference to FIGS. 2 to 13, duplicate descriptions will be omitted.

The embodiments of the present invention described above can be implemented through various means. For example, embodiments of the present invention may be implemented by hardware, firmware, software, or a combination thereof.

In the case of hardware implementation, the method according to embodiments of the present invention includes one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), and Programmable Logic Devices (PLDs). , Field Programmable Gate Arrays (FPGAs), processors, controllers,

It may be implemented by a microcontroller, a microprocessor, or the like.

In the case of implementation by firmware or software, the method according to the embodiments of the present invention may be implemented in the form of a module, procedure, or function that performs the functions or operations described above. A computer program in which software codes and the like are recorded may be stored in a computer-readable recording medium or a memory unit and driven by a processor. The memory unit may be located inside or outside the processor, and may exchange data with the processor through various known means.

In addition, combinations of each block of the block diagram attached to the present invention and each step of the flowchart may be performed by computer program instructions. Since these computer program instructions can be mounted on the encoding processor of a general-purpose computer, special purpose computer or other programmable data processing equipment, the instructions executed by the encoding processor of the computer or other programmable data processing equipment are each block of the block diagram or Each step of the flow chart will create a means to perform the functions described. These computer program instructions can also be stored in computer-usable or computer-readable memory that can be directed to a computer or other programmable data processing equipment to implement a function in a particular way, so that the computer-usable or computer-readable memory It is also possible to produce an article of manufacture including instruction means for performing the functions described in each block of the block diagram or each step of the flow chart. Since computer program instructions can also be mounted on a computer or other programmable data processing equipment, a series of operating steps are performed on a computer or other programmable data processing equipment to create a computer-executable process to create a computer or other programmable data processing equipment. It is also possible for the instructions to perform the processing equipment to provide steps for performing the functions described in each block of the block diagram and each step of the flowchart.

In addition, each block or each step may represent a module, segment, or part of code including one or more executable instructions for executing a specified logical function. It should also be noted that in some alternative embodiments, the functions mentioned in blocks or steps may occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially simultaneously, or the blocks or steps may sometimes be performed in the reverse order depending on the corresponding function.

As such, those skilled in the art to which the present invention pertains will be able to understand that the present invention can be implemented in other specific forms without changing the technical spirit or essential features. Therefore, the embodiments described above are illustrative in all respects and should be understood as non-limiting. The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. .

1: Relational P2P financial information provision system
100: relational P2P information providing server
110: user information receiving unit
120: user information storage unit
130: relationship information generation unit
140: relational bond information generation unit
150: Relational bond information transmission unit
160: user management unit
161: investor information generation module
162: message generation module
163: message transmission module
164: reloan information generation module
170: crowdfunding linkage
200: crowdfunding server

Claims (10)

A user information receiving unit that receives user information from investors and borrowers;
A user information storage unit for storing user information of investors and borrowers received from the user information receiving unit;
A relationship information generation unit for generating relationship information between the investor and the borrower using the user information of the investor and the borrower stored in the user information storage unit;
A relational bond information generation unit that generates relational bond information using the relationship information generated by the relationship information generation unit; And
Relational bond information transmission unit that transmits the relational bond information generated by the relational bond information generation unit to investors
Relational P2P information providing server including
The method of claim 1,
User information of investors and borrowers received by the user information receiving unit,
Relational P2P information providing server, characterized in that it contains financial information of investors and borrowers and personal information of investors and borrowers
The method of claim 2,
The relationship information generation unit,
First relationship information using the relationship between the financial information of investors and borrowers received by the user information receiving unit; And
Second relationship information using the relationship between the personal information of the investor and borrower received by the user information receiver
Relational P2P information providing server, characterized in that to generate
The method of claim 3,
The relational bond information generation unit,
First relational bond information including first relational information and second relational information;
Second relational bond information for executing an investment in at least one bond including the first relationship information; And
Third relational bond information for performing diversified investment in a plurality of bonds including the first relationship information
Relational P2P information providing server, characterized in that to generate
The method of claim 4,
The relational P2P information providing server,
A user management unit that manages investors and borrowers using first relationship information, second relationship information, and user information of investors and borrowers;
Relational P2P information providing server, characterized in that it further comprises The method of claim 5,
The user management unit,
A relational investor information generation module for generating relational investor information by matching personal information of at least one investor who has completed the investment with the personal information of the borrower;
A message generation module for generating a management message using the first relationship information and the second relationship information; And
Message transmission module that transmits the relational investor information or management message to investors or borrowers
Relational P2P information providing server comprising a
The method of claim 6,
The user management unit, when a borrower requests reinvestment, a reloan information generation module that generates a reloan information message requesting a re-loan to the creditor of the debt that the borrower maintains or has completed repayment.
Relational P2P information providing server, characterized in that it further comprises
The method of claim 7,
The message transmission module,
Relational P2P information providing server, characterized in that further transmitting the reloan information message
The method of claim 1,
A crowdfunding linkage unit that performs authentication according to the producer authentication information transmitted from the crowdfunding server, and provides vouchers to investors and consumers and manages the usage history of the provided vouchers when the authentication is confirmed as a borrower and producer.
Relational P2P information providing server, characterized in that it further comprises
In the relational P2P financial information provision method performed by the relational P2P information provision server,
(1) receiving user information of investors and borrowers from the investor terminal and the borrower terminal;
(2) storing user information of investors and borrowers received in step (1);
(3) generating relationship information between the investor and the borrower using the user information of the investor and borrower stored in the step (2);
(4) generating relational bond information using the relational information generated in step (3); And
(5) Relational P2P financial information providing method comprising the step of transmitting the relational bond information generated in step (4) to the investor terminal.

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