KR20240013462A - Big data-based interpersonal financial transaction platform - Google Patents

Abstract

According to one embodiment, a big data-based peer-to-peer financial transaction platform includes a terminal capable of accessing a device through a network to register a terminal user as a member and input PDF documents or image documents related to peer-to-peer financial transactions; A financial company server that is managed by a company such as a financial company that performs financial services based on credit information, requests a credit information inquiry service from the credit information company server, receives the corresponding credit information corresponding to the request, and provides normal financial services to customers. ; Loan history and personal credit status information from institutional financial institutions are stored and updated, and when the customer's resident registration number is entered as a query from the financial company server, the credit status of the customer is inquired and the credit status information is sent to the financial company server. Credit information company server capable of transmitting; It includes a device capable of operating a predetermined interpersonal financial transaction information management site (aka, credit blind site) capable of performing interpersonal financial transaction information management services.
The device includes a receiving unit that receives one or more of documents containing information related to financial transactions between individuals and information inquiries about fund demanders; A database that stores information related to financial transactions between individuals; and extracting information related to the above-mentioned financial transactions between individuals from the documents and storing them in a database, updating the database according to whether loans due to financial transactions between individuals have been repaid or whether monthly payments have been completed, and according to information inquiries about the fund demander. It includes a control unit that generates and outputs personal financial transaction history for the fund demander based on stored information related to personal financial transactions.

Description

Big data-based interpersonal financial transaction platform {BIG DATA-BASED INTERPERSONAL FINANCIAL TRANSACTION PLATFORM}

The examples below relate to a big data-based peer-to-peer financial transaction platform.

The history of loans from institutional financial institutions is well kept through the Credit Bureau (CB). When providing loans, financial companies effectively utilize information from credit reference companies to determine the possibility of loan delinquency.

In contrast, the history of financial loans in private finance is not being used for official records and judgment of delinquency on loans from financial companies and private finance.

Accordingly, there is a limit to accurately identifying the loan user's delinquency history using only the loan usage information of existing institutional financial institutions.

Embodiments relate to a big data-based peer-to-peer financial transaction platform.

According to one embodiment, a big data-based peer-to-peer financial transaction platform includes a terminal capable of accessing a device through a network to register a terminal user as a member and input PDF documents or image documents related to peer-to-peer financial transactions; A financial company server that is managed by a company such as a financial company that performs financial services based on credit information, requests a credit information inquiry service from the credit information company server, receives the corresponding credit information corresponding to the request, and provides normal financial services to customers. ; Loan history and personal credit status information from institutional financial institutions are stored and updated, and when the customer's resident registration number is entered as a query from the financial company server, the credit status of the customer is inquired and the credit status information is sent to the financial company server. Credit information company server capable of transmitting; It includes a device capable of operating a predetermined interpersonal financial transaction information management site (aka, credit blind site) capable of performing interpersonal financial transaction information management services.

The device includes a receiving unit that receives one or more of documents containing information related to financial transactions between individuals and information inquiries about fund demanders; A database that stores information related to financial transactions between individuals; and extracting information related to financial transactions between individuals from the documents and storing them in a database, updating the database according to whether loans due to financial transactions between individuals have been repaid or whether monthly payments have been completed, and based on information inquiries about the fund demander. It includes a control unit that generates and outputs personal financial transaction history for the fund demander based on stored information related to personal financial transactions.

According to one embodiment, another financial information infrastructure is built to manage the history and repayment history of money loans (including credit, accounts, etc.) between individuals, and to utilize this in other private finance (P2P) such as financial institutions. (infra) can be built.

In particular, it is a great help in establishing a credit society by accumulating private financial loan transaction information and allowing institutional and non-institutional financial institutions to make loans by referring to the loan history information between individuals. In addition, it can provide the effect of dramatically improving the loan repayment rate of loan users in private finance.

In addition, above all, the ability to predict the possibility of loan delinquency can be greatly improved.

Meanwhile, the effects according to the embodiments are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the description below.

1 is a diagram schematically showing the configuration of a system according to an embodiment.
Figure 2 is a block diagram for explaining a device according to an embodiment.
Figure 3 is a flow chart to explain the process of providing a big data-based peer-to-peer financial transaction platform according to an embodiment.
Figure 4 is an exemplary diagram of the configuration of a device according to an embodiment.

Hereinafter, embodiments will be described in detail with reference to the attached drawings. However, various changes can be made to the embodiments, so the scope of the patent application is not limited or limited by these embodiments. It should be understood that all changes, equivalents, or substitutes for the embodiments are included in the scope of rights.

Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only and may be modified and implemented in various forms. Accordingly, the embodiments are not limited to the specific disclosed form, and the scope of the present specification includes changes, equivalents, or substitutes included in the technical spirit.

Terms such as first or second may be used to describe various components, but these terms should be interpreted only for the purpose of distinguishing one component from another component. For example, a first component may be named a second component, and similarly, the second component may also be named a first component.

When a component 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 that other components may exist in between.

The terms used in the examples are for descriptive purposes only and should not be construed as limiting. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as “comprise” or “have” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are not intended to indicate the presence of one or more other features. It should be understood that this does not exclude in advance the possibility of the existence or addition of elements, numbers, steps, operations, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as generally understood by a person of ordinary skill in the technical field to which the embodiments belong. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and unless explicitly defined in the present application, should not be interpreted in an ideal or excessively formal sense. No.

In addition, when describing with reference to the accompanying drawings, identical components will be assigned the same reference numerals regardless of the reference numerals, and overlapping descriptions thereof will be omitted. In describing the embodiments, if it is determined that detailed descriptions of related known technologies may unnecessarily obscure the gist of the embodiments, the detailed descriptions are omitted.

Embodiments may be implemented in various types of products such as personal computers, laptop computers, tablet computers, smart phones, televisions, smart home appliances, intelligent vehicles, kiosks, and wearable devices.

1 is a diagram schematically showing the configuration of a system according to an embodiment.

Referring to FIG. 1, a system according to an embodiment may include a terminal, a financial company server, a credit information company server, and a device 200 that can communicate with each other through a communication network.

First, a communication network can be configured regardless of the communication mode, such as wired or wireless, and can be implemented in various forms to enable communication between servers and between servers and terminals.

The terminal can access the device 200 through a network to register the terminal user as a member and input PDF documents or image documents related to financial transactions between individuals. Here, a PDF document or image document related to financial transactions between individuals is a document containing information on financial transactions between individuals conducted in private finance (non-institutional finance). PDF documents or image documents related to financial transactions between individuals are contracts (e.g., IOUs, etc.) or standardized electronic contracts for financial transactions between individuals made into PDF documents or image documents.

Preferably, for ease of extraction and analysis of financial transaction information, a PDF document or image document based on a standardized electronic contract would be better.

Here, the financial transaction information between individuals may include information on lending funds between individuals and repayment information between individuals.

Interpersonal financial transaction information can be entered directly by a lender (i.e., a person who lends money) or a borrower (i.e., a person who borrows money). For example, since peer-to-peer fund lending information is information about funds being lent, it is highly likely that a PDF document or image document containing peer-to-peer fund lending information will be entered by the lender. Since personal repayment information is information on repayment of borrowed money, it is highly likely that a PDF document or image document containing personal repayment information will be entered by the borrower. At this time, by placing a separate input field on the personal financial transaction information input screen displayed on the terminal, the device 200 can easily determine who the input person is among the lender and borrower at a later date.

Of course, if necessary, the borrower may input a PDF document or image document containing person-to-person loan information, or the lender may input a PDF document or image document containing person-to-person repayment information.

In the case of member registration through a terminal, for example, you can enter your name, resident registration number, address, ID, password, phone number, mobile phone number, etc.

Meanwhile, when entering a PDF document or image document containing information on lending funds between individuals (i.e., information indicating that funds were lent or received between individuals), a mark notifying that it is a lending of funds can be additionally entered.

When entering a PDF document or image document containing personal repayment information, you can additionally enter a mark indicating repayment.

PDF documents or image documents related to member registration information and personal financial transaction information can be entered through input windows that appear on the terminal's UI screen. Here, the UI screen of the terminal may be provided from an interpersonal financial transaction information management site (aka, credit blind site) operated on the device 200.

The terminal may be a desktop computer, laptop, tablet, smartphone, etc.

Each terminal may be configured to perform all or part of the calculation function, storage/reference function, input/output function, and control function of a typical computer. The terminal may be configured to communicate with the device 200 wired or wirelessly.

Each terminal can be connected to a website operated by a person or organization that provides services using the device 200, or an application developed and distributed by a person or organization that provides services using the device 200 can be installed. there is. Each terminal may be linked to the device 200 through a website or application.

For convenience of explanation, only one terminal is shown in FIG. 1 and the following description, but the number of terminals may vary depending on the embodiment. As long as the processing capacity of the device 200 allows, the number of terminals is not particularly limited.

Financial company servers are managed by companies such as financial companies that provide financial services based on credit information. Here, financial companies may be banks, credit card companies, insurance companies, securities companies, etc.

In addition, the financial company server requests a credit information inquiry service from the credit information company server, receives the corresponding credit information corresponding to the request, and provides normal financial services to the customer.

In particular, when a financial company server receives a loan application from a fund demander, the loan is made based on the fund demander's financial transaction information in the financial sector and the fund demander's personal financial transaction history (e.g., personal loan history, personal repayment history, etc.) Determine the limit. In other words, when the financial company server receives a loan application from a fund demander, it connects to the device 200 through the network. Next, the financial company server requests information about the fund demander (i.e., inquiry of financial transaction history between individuals). Accordingly, the device 200 generates the personal financial transaction history of the corresponding fund demander and provides it to the financial company server. Ultimately, the financial company server determines the loan limit for the fund demander based on the financial transaction information of the fund demander in the financial sector and the received fund demander's personal financial transaction history (e.g., interpersonal fund lending history, interpersonal repayment history, etc.). You can decide.

The credit information company server stores and updates loan history and personal credit status information from institutional financial institutions. When the customer's resident registration number is entered as a query from the financial company server, the credit information company server can inquire about the customer's credit status and then transmit the credit status information to the financial company server.

Depending on need, the credit information company server may be implemented inside the financial company or externally through a dedicated network or the Internet.

The credit information company server refers to the party that audits the personal information of fund demanders, establishes credit ratings, and generates credit information, and may include credit inquiry servers such as NICE rating information, KCB (Korea Credit Bureau), etc. .

The device 200 may be its own server owned by a person or organization that provides services using the device 200, a cloud server, or a p2p (peer-to-peer) set of distributed nodes. It may be possible. The device 200 may be configured to perform all or part of the calculation function, storage/reference function, input/output function, and control function of a typical computer. The device 200 may include at least one artificial neural network that performs an inference function. The device 200 may be configured to communicate wired or wirelessly with a terminal, a financial company server, or a credit information company server.

The device 200 operates a predetermined interpersonal financial transaction information management site (aka, credit blind site) that can perform interpersonal financial transaction information management services. The device 200 can perform member registration through the corresponding site. When registering as a member, it is advisable for the lender, borrower, and fund demander (the person requesting a loan from a financial institution) to register as a member by verifying their real name. Additionally, you may want to consider requiring the use of a public certificate to prevent repudiation. According to the site's user terms and conditions, if the uploaded personal financial transaction information is false, the party causing the problem is fully responsible for any legal problems that may arise, such as false accusation or defamation, and the company providing this service has no responsibility. None may be specified.

The device 200 converts numbers, marks, symbols (including Korean letters, alphabets, Chinese characters, punctuation marks, etc.) contained in PDF documents or image documents related to financial transactions between individuals received into editable text, and then extracts the text. You can. Here, the extracted text will correspond to financial transaction information between individuals.

Based on the extracted interpersonal financial transaction information (text), the device 200 analyzes whether the PDF document or image document related to the interpersonal financial transaction currently received is a document containing information on lending funds between individuals or a document containing information on repayment between individuals. (Understand) and save it in the database. Here, analyzing whether the information contained in the received PDF document or image document is information on money lending between individuals or information on repayment between individuals can be sufficiently determined by a sign indicating that it is a money loan or a sign indicating that it is a repayment.

Figure 2 is a block diagram for explaining a device according to an embodiment.

Referring to FIG. 2, the device 200 includes a receiving unit, a database, a DB management unit, a notice sending unit, a point sending unit, and a control unit.

The receiving unit can receive member registration information, PDF documents or image documents related to financial transactions between individuals, and information inquiries about fund users. Here, member registration information and PDF documents or image documents related to financial transactions between individuals are input from the terminal. Information inquiries about fund demanders are input from the financial company server.

The database includes a member information storage unit, an interpersonal financial transaction information storage unit, a fund lending information storage unit, and a repayment information storage unit.

The DB management unit can store information in the database, update and extract information stored in the database 502, etc.

The notice sending unit may send a notice to the lender and/or borrower informing that a PDF document or image document related to an interpersonal financial transaction has been entered. For example, if the lender enters a PDF document or image document containing information on lending money between individuals, this fact can be notified to the borrower's mobile phone. Even if a PDF document or image document containing personal repayment information is entered, the other party will be notified. When repayment of the loan or payment of the monthly payment is complete, this can be notified to the lender. If repayment or payment of the monthly payment is not completed, the borrower and lender can be notified of this. Of course, when repayment of the loan or payment of the monthly payment is completed, not only the lender but also the borrower can be notified of this.

The notice sending department can inform you in advance that the repayment date is not long before the repayment date, and can inform you in advance that the monthly payment date is not long before the monthly payment date.

The point sending department can send points accumulated to a member to the member. For example, the point sending unit may send all points accumulated so far upon a member's request, or may send them whenever a certain amount of points are accumulated. Since these points can function as currency, they can be used to repay a loan or make monthly payments.

The control unit controls the overall operation of the device 200. That is, the control unit can control the operations of the receiving unit, DB management unit, notice sending unit, and point sending unit. In particular, the control unit can update information in the database depending on whether the loan has been repaid or whether the monthly payment has been completed.

there is. In addition, as the control unit receives information inquiries about the fund demander, it can generate (extract) the financial transaction history between individuals for the fund demander and send it to the financial company server.

Figure 3 is a flow chart to explain the process of providing a big data-based peer-to-peer financial transaction platform according to an embodiment.

Referring to FIG. 3, in step S301, the device 200 may obtain member registration from the lender or borrower.

That is, the user registers as a member by accessing a personal financial transaction information management site (aka credit blind site) operated on the device 200. In the case of member registration through a terminal, for example, you can enter your name, resident registration number, address, ID, password, phone number, mobile phone number, etc. Members at this time can be lenders, borrowers, or fund demanders. When registering as a member, real name must be verified and a public certificate may be adopted to prevent repudiation. Information resulting from such member registration is stored in the member information storage section of the database.

In step S302, when member registration is completed, the device 200 can receive a login from the lender or borrower through the terminal.

In step S303, the device 200 may receive and obtain a PDF document or image document related to an interpersonal financial transaction from the lender or borrower.

For example, since peer-to-peer fund lending information is information about funds being lent, it is highly likely that a PDF document or image document containing peer-to-peer fund lending information will be entered by the lender. Since personal repayment information is information on repayment of a loan, it is highly likely that a PDF document or image document containing personal repayment information will be entered by the borrower. Of course, the opposite may be true depending on the need.

Such PDF documents or image documents related to financial transactions between individuals are transmitted to the device 200 through the network, so that the device 200 can obtain documents related to financial transactions between individuals.

In step S304, the device 200 converts numbers, marks, symbols (including Korean, alphabet, Chinese characters, punctuation, etc.) included in the received PDF document or image document related to financial transactions between individuals into editable text. You can extract text later.

In step S305, the device 200 determines whether the currently received PDF document or image document related to the interpersonal financial transaction is a document containing interpersonal money lending information or a document containing interpersonal repayment information based on the extracted interpersonal financial transaction information (text). You can analyze whether it is a document. Here, analyzing whether the information contained in the received PDF document or image document is information on money lending between individuals or information on repayment between individuals can be sufficiently determined by a sign indicating that it is a money loan or a sign indicating that it is a repayment.

In step S306, the device 200 may store the received PDF document or image document related to financial transactions between individuals and a document converted into text from the PDF document or image document in the database. Additionally, as the device 200 determines that the received PDF document or image document related to an interpersonal financial transaction contains information on the lending of funds between individuals, the device 200 may store the information on lending between individuals for each member. In addition, the device 200 may store the interpersonal repayment information for each member as the received PDF document or image document related to interpersonal financial transactions is determined to contain interpersonal repayment information.

In step S307, the device 200 may notify the other party of the person who initially entered the PDF document or image document related to the financial transaction between individuals.

For example, when the borrower inputs a PDF document or an image document containing information on lending money between individuals, the device 200 notifies the borrower's mobile phone of this fact. Even if a PDF document or image document containing personal repayment information is entered, the other party will be notified. This is because it is good for the other party to know this for confirmation purposes.

In step S308, the device 200 may check whether the repayment date or monthly payment date for repaying the loan including interest has arrived for each borrower. Then, the device 200 sends to the borrower's terminal a notice informing that the repayment date is not long before the relevant repayment date or a notice notifying that the monthly payment date is not long before the relevant monthly payment date.

In step S309, the device 200 may determine whether repayment of the loan including interest has been completed or whether the monthly payment has been completed. Here, the determination of whether the loan including interest has been completed or whether the monthly payment has been completed can be determined based on the repayment date check or payment date check, and the loan history and repayment history between the relevant lender and borrower.

If repayment of the rental amount or payment of the monthly payment is completed, the device 200 may notify the borrower of this in step S310.

If the loan has not been repaid or the monthly payment has not been made despite the repayment date or the monthly payment date, the device 200 may notify the borrower and the lender of this in step S311.

In step S312, the device 200 may update information in the database.

Additionally, the device 200 may provide a predetermined number of points to the lender or borrower who entered the document each time it receives a PDF document or image document related to an interpersonal financial transaction. In addition, when the loan is repaid or the monthly payment is made, a certain number of points can be provided to the relevant repayer or payer.

Figure 4 is an exemplary diagram of the configuration of a device according to an embodiment.

Device 200 according to one embodiment includes a processor 210 and memory 220. The processor 210 may include at least one device described above with reference to FIGS. 1 to 3 or may perform at least one method described above with reference to FIGS. 1 to 3 . A person or organization using the device 200 may provide services related to some or all of the methods described above with reference to FIGS. 1 to 3 .

Memory 220 may store information related to the above-described methods or store programs that implement the above-described methods. Memory 220 may be volatile memory or non-volatile memory.

The processor 210 can execute programs and control the device 200. The code of the program executed by the processor 210 may be stored in the memory 220. The device 200 is connected to an external device (eg, a personal computer or a network) through an input/output device (not shown) and can exchange data through wired or wireless communication.

The embodiments described above may be implemented with hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, and a field programmable gate (FPGA). It may be implemented using one or more general-purpose or special-purpose computers, such as an array, programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. A processing device may perform an operating system (OS) and one or more software applications that run on the operating system. Additionally, a processing device may access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described as being used; however, those skilled in the art will understand that a processing device includes multiple processing elements and/or multiple types of processing elements. It can be seen that it may include. For example, a processing device may include a plurality of processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are possible.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. Computer-readable media may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes optical media (magneto-optical media) and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. A hardware device may be configured to operate as one or more software modules to perform the operations of an embodiment, and vice versa.

Software may include a computer program, code, instructions, or a combination of one or more of these, which may configure a processing unit to operate as desired, or may be processed independently or collectively. You can command the device. Software and/or data may be used on any type of machine, component, physical device, virtual equipment, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

As described above, although the embodiments have been described with limited drawings, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques are performed in a different order than the described method, and/or components of the described system, structure, device, circuit, etc. are combined or combined in a different form than the described method, or other components are used. Alternatively, appropriate results may be achieved even if substituted or substituted by an equivalent.

Therefore, other implementations, other embodiments, and equivalents of the claims also fall within the scope of the following claims.

Claims (3)

A terminal capable of accessing the device through a network to register the terminal user as a member and input PDF documents or image documents related to financial transactions between individuals;
A financial company server that is managed by a company such as a financial company that performs financial services based on credit information, requests a credit information inquiry service from the credit information company server, receives the corresponding credit information corresponding to the request, and provides normal financial services to customers. ;
Loan history and personal credit status information from institutional financial institutions are stored and updated, and when the customer's resident registration number is entered as a query from the financial company server, the credit status of the customer is inquired and the credit status information is sent to the financial company server. Credit information company server capable of transmitting;
A device capable of operating a predetermined interpersonal financial transaction information management site (aka credit blind site) capable of performing interpersonal financial transaction information management services; including;
A big data-based peer-to-peer financial transaction platform. According to paragraph 1,
The device is
A receiving unit that receives one or more of documents containing information related to financial transactions between individuals and information inquiries about fund demanders;
A database that stores information related to financial transactions between individuals; and
Information related to the above-mentioned financial transactions between individuals is extracted from the document and stored in a database, the database is updated depending on whether the loan due to the financial transaction between individuals is repaid or whether the monthly payment is completed, and the information is stored according to the inquiry of information on the fund demander. A control unit that generates and outputs an interpersonal financial transaction history for the fund demander based on information related to financial transactions between individuals; including,
A big data-based peer-to-peer financial transaction platform. In a method performed by a device,
Obtaining membership registration from the lender or borrower;
Upon completing membership registration, receiving a login from the lender or borrower through the terminal;
Obtaining a PDF document or image document related to a financial transaction between individuals from a lender or borrower;
Converting numbers, marks, symbols, etc. contained in a received PDF document or image document related to financial transactions between individuals into editable text and then extracting the text;
Based on the extracted interpersonal financial transaction information, analyzing whether the currently received PDF document or image document related to the interpersonal financial transaction is a document containing information on lending funds between individuals or a document containing information on repayment between individuals;
Storing the received PDF document or image document related to financial transactions between individuals and a document converted into text of the PDF document or image document in a database;
A step of notifying the other party of the person who initially entered the PDF document or image document related to the financial transaction between individuals;
Checking whether the repayment date or monthly payment date for repaying the loan including interest has arrived for each borrower;
A step of determining whether repayment of the loan including interest has been completed or whether the monthly payment has been completed;
If repayment of the loan or payment of the monthly payment is completed, notifying the lender of this;
If the loan has not been repaid or the monthly payment has not been made despite the repayment date or the monthly payment date, notifying the borrower and lender of this;
updating information in the database; containing
A method of providing a big data-based peer-to-peer financial transaction platform.