Patent Publication Number: US-2019172145-A1

Title: Peer-to-peer investment intermediary system

Description:
TECHNICAL FIELD 
     The present invention relates to a peer-to-peer (P2P) investment intermediating platform  100 , and specifically, to a P2P investment intermediating platform which includes investor terminals  120  respectively used by one or more investors  10 , debtor terminals  130  respectively used by one or more debtors  20 , and a P2P investment intermediating platform server  110  connected to the respective investor terminals and debtor terminals through a communication network, 
     wherein the P2P investment intermediating platform server  110  is configured to: receive investments (S 1 ) to which investment conditions including an investment amount, a return on investment, an investment period and a return type on investment are added from the investors through the investor terminals  120 ; issue electronic currencies (S 2 ) with respect to the investments to the investor terminals  120 ; receive loan applications (S 3 ) to which loan conditions including at least one of a loan amount, a loan interest rate, and a loan period are added from the debtors through the debtor terminals  130 ; and set the return on investment by deducting a loan-deposit margin rate from the loan interest rate, then select an investment condition and a loan condition by matching the investment conditions and the loan conditions with each other, and then pay a loan (S 4 ) to the debtor  20  through the debtor terminal  130  according to the selected investment condition and the loan condition, wherein, in a process of receiving the investment or paying the loan, the P2P investment intermediating platform server  110  performs the investment or the payment of loan by deducting a commission from the investment or the loan according to a rate of commission for the investment or the loan. 
     BACKGROUND ART 
     As is well known, a loan business of financial institutions such as a bank and a credit company holds an important position in modern society. Since most of profits in the financial institutions are created by the loan business, each financial institution is trying to efficiently perform the loan business. 
     The loan business is a business that generates a predetermined economic power for a borrower secured on properties or credit of the borrower. Therefore, risk avoidance is the most important position, inter alia, and rapid processing for the loan business in the financial institution is more important than other things for the borrower. 
     Currently, a general credit review process conducted by the financial institution includes firstly inputting a resident registration number or corporation number repeatedly in contents of documents necessary upon an examination when examination documents are received, outputting input data on papers to be temporarily bound together, and then making six or seven copies to submit them to a decision-making organization by hand. Once decisions are made in the decision-making organization, the original documents are bound together and kept in a filing system. When any subsequent change occurs, it is necessary to find the corresponding documents kept in the filing system, update the changed contents and again bind together the documents. Similarly, when completing the repayment, processes of finding the corresponding documents from the filing system, and dispersing the same should be executed. As for the loan business related to such an existing financial loan, there are a lot of existing inventions including a configuration disclosed in “an integrated management system for financial money borrowing/loan business (Korean Patent Registration No. 10-0956934)” of Patent Document 1 below. 
     However, in a case of such a typical loan, first, the financial institution manages the money received from a lender, and then loans it to the borrower. Therefore, most of risks that the loan cannot be recovered are shared by the financial institutions. Thus, to avoid any further risk, the financial institutions may operate the loan by increasing a difference between an interest paid by the borrower and an interest received by the lender. Therefore, the borrower has to pay more interest than necessary, and the lender is forced to earn lower interest income than the possible interest income. 
     On the other hand, unlike the existing financial loans described above, there is a financing method which is a type of investment intermediating method of intermediating so that a borrower (debtor) who needs funds can directly borrow the funds after attracting investors, and the borrower pays a commission of a predetermined amount. As existing inventions related to such an investment intermediating method, there are a lot of known inventions including “an Internet-based investment intermediating server and an investment intermediating method thereof (Korean Patent Laid-open Publication No. 10-2001-0095986)” of Patent Document 2 below. 
     However, the existing investment intermediating methods described above are no more than a level of having characteristics that investment related information is merely processed through the Internet. 
     SUMMARY OF INVENTION 
     Problems to be Solved by Invention 
     In consideration of the above-mentioned circumstances, it is an object of the present invention to provide a peer-to-peer (P2P) investment intermediary system which issues a bond certificate in a form of a virtual currency with respect to an investment of an investor, and then matches investment conditions of investors and loan conditions of debtors to intermediate an investment therebetween, wherein the P2P investment intermediary system deducts a predetermined commission only in each investment transaction or bond transfer procedure, such that the investor may obtain a maximum return on investment, and the debtor may borrow funds with a minimum interest on a loan. 
     Means for Solving Problems 
     To achieve the above objects, according to an aspect of the present invention, there is provided a peer-to-peer (P2P) investment intermediating platform, including: investor terminals  120  respectively used by one or more investors  10 ; debtor terminals  130  respectively used by one or more debtors  20 ; and a peer-to-peer (P2P) investment intermediating platform server  110  connected to the respective investor terminals and debtor terminals through a communication network, wherein the P2P investment intermediating platform server  110  is configured to: receive investments (S 1 ) to which investment conditions including an investment amount, a return on investment, an investment period and a return type on investment are added from the investors through the investor terminals  120 ; issue electronic currencies (S 2 ) with respect to the investments to the investor terminals  120 ; receive loan applications (S 3 ) to which loan conditions including at least one of a loan amount, a loan interest rate, and a loan period are added from the debtors through the debtor terminals  130 ; and set the return on investment by deducting a loan-deposit margin rate from the loan interest rate, then select an investment condition and a loan condition by matching the investment conditions and the loan conditions with each other, and then pay a loan (S 4 ) to the debtor  20  through the debtor terminal  130  according to the selected investment condition and the loan condition, wherein, in a process of receiving the investment or paying the loan, the P2P investment intermediating platform server  110  performs the investment or the payment of loan by deducting a commission from the investment or the loan according to a rate of commission for the investment or the loan. 
     In addition, the return type on investment may include a periodic type corresponding to one of daily, weekly, and monthly types, and when the return type on investment is designated as the periodic type, the P2P investment intermediating platform server  110  may add up the return on investment for the total interest income withdrawn from the debtors through the debtor terminals  130 , and calculate an interest according to an investment ratio for each period designated in the return type on investment, and then pay the calculated interest to the investors  10  through the respective investor terminals  120  as a regular interest. 
     Further, the loan period may be designated by setting a specific period through the investor terminal  120  and is transmitted to the P2P investment intermediating platform server  110 , the P2P investment intermediating platform server  110  may pay the regular interest on a quarterly or yearly basis prior to expiration of term of the designated investment period, and calculate an interest income from a time when the regular interest is already paid until the expiration of the designated investment, and pay the calculated interest income to the investor  10  through the investor terminal  120 . 
     Further, the P2P investment intermediating platform server  110  may deposit an amount obtained by deducting amounts already paid to investors  10  and the commission from the interest incomes paid by the debtors  20  in accordance with the loan interest rate as a balance to operate based on the balance. 
     Further, the P2P investment intermediating platform server  110  may divide proportionally and calculates an amount obtained by periodically deducting accounts receivable from the balance in accordance with an investment amount ratio to the investors  10 . 
     Further, after issuing the electronic currency, the investor terminal  120  of the investor  10 , and the P2P investment intermediating platform server  110  may verify the electronic currency according to blockchains. 
     Further, the P2P investment intermediating platform server  110  may perform one-to-many selection by placing the plurality of debtors  20  into a group according to the loan condition. 
     Further, the P2P investment intermediating platform server  110  may perform many-to-one selection by placing the plurality of investors  10  into a group according to the investment condition. 
     Furthermore, the P2P investment intermediating platform server  110  may place the plurality of investors  10  into groups according to the investment conditions, and perform many-to-many selection by placing the plurality of debtors  20  into a group according to the loan condition. 
     In addition, the P2P investment intermediating platform may further include: a financial institution server  140  connected to the P2P investment intermediating platform server  110  through a communication network, wherein the P2P investment intermediating platform server  110  may use the loan condition by further including previous loan status information of the debtor  20  received through the financial institution server  140 . 
     In addition, the P2P investment intermediating platform may further include: a credit rating agency server  150  connected to the P2P investment intermediating platform server  110  through a communication network, wherein the P2P investment intermediating platform server  110  may use the loan condition by further including credit information of the debtor  20  received through the credit rating agency server  150 . 
     Further, the P2P investment intermediating platform server  110  may preliminarily select investment conditions and loan conditions by matching them with each other, when the investment conditions and the loan conditions do not match each other, preliminarily select investment conditions and loan conditions which are closest to each other, and transmit and notify a fact of preliminary selection to the investor terminal  120  and the debtor terminal  130  of the investor and the debtor who present the investment condition and the loan condition corresponding to the preliminary selection, respectively. 
     Advantageous Effects 
     According to the P2P investment intermediary system of the present invention, it is possible to issue a bond certificate in a form of a virtual currency with respect to an investment of an investor, and then match investment conditions of investors and loan conditions of debtors to intermediate an investment therebetween, as well as, it is possible to deduct a predetermined commission only in each investment transaction or bond transfer procedure, such that the investor may obtain a maximum return on investment, and the debtor may borrow funds with a minimum interest on a loan. 
     In addition, according to the present invention, it is possible to disperse a risk such as a decrease in an interest income due to an early-redemption of the debtor after jointly operating a balance and then distribute the same, as well as, other investors can obtain additional profits, such that the profits of the investor may be maximized, and a financial market may be further activated. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram illustrating a P2P investment intermediary system according to an embodiment of the present invention. 
         FIG. 2  is a diagram illustrating a basic operation of the P2P investment intermediary system according to the embodiment of the present invention. 
         FIG. 3  is a schematic diagram illustrating one-to-one investment mediation of the P2P investment intermediary system according to the embodiment of the present invention. 
         FIG. 4  is a schematic diagram illustrating one-to-many investment mediation of the P2P investment intermediary system according to the embodiment of the present invention. 
         FIG. 5  is a schematic diagram illustrating many-to-one investment mediation of the P2P investment intermediary system according to the embodiment of the present invention. 
         FIG. 6  is a schematic diagram illustrating many-to-many investment mediation of the P2P investment intermediary system according to the embodiment of the present invention. 
     
    
    
     MODE FOR CARRYING OUT INVENTION 
     Hereinafter, a peer-to-peer (P2P) investment intermediary system according to the embodiment of the present invention will be described in detail with reference to the accompanying drawings. First, it should be noted that, referring to the drawings, wherein like reference characters designate like or corresponding parts throughout the several views. In the description of the present invention, the publicly known functions and configurations that are judged to be able to make the purport of the present invention unnecessarily obscure will not be described. 
     As illustrated in  FIG. 1 , a peer-to-peer (P2P) investment intermediating platform of the present invention generally includes investor terminals  120  respectively used by one or more investors  10 , debtor terminals  130  respectively used by one or more debtors  20 , and a peer-to-peer (P2P) investment intermediating platform server  110  connected to the respective investor terminals and debtor terminals through a communication network. In this disclosure, the ‘investor’ refers to a user who wishes to invest a predetermined amount of money using the P2P investment intermediary system according to the embodiment of the present invention, and the ‘debtor’ refers to a user who wishes to receive a loan using the P2P investment mediation matching system according to the embodiment of the present invention. Meanwhile, in the present invention, in consideration of a fact that one or more of the investors  10  may exist, when collectively referring to or there is no need to separately divide, the investors are presented by an “investor  10 ’ using reference numeral “ 10 ,” whereas when it is necessary to divide the investors, the investors are divisively presented by denoting lowercase alphabetical letters such as “10a,” “10b” and . . . in the reference numeral (these also apply to a case of the debtors in the same manner). 
     Meanwhile, the investor terminal  120  and the debtor terminal  130  include any one of means capable of being operated with a predetermined program installed therein, for example, a desktop computer, as well as a portable terminal such as a smart phone, a notebook, and a tablet PC used by the investor  10  or the debtor  20 . 
     Generally, as illustrated in  FIG. 1 , the P2P investment intermediating platform of the present invention is preferably further connected to at least one of a financial institution server  140  and a credit rating agency server  150  through a communication network. 
     Hereinafter, an operation of a P2P investment intermediating platform  100  included in the P2P investment intermediary system according to an embodiment of the present invention will be described. 
     First, a basic investment-loan matching operation will be described. In this case, as illustrated in  FIG. 2 , the P2P investment intermediating platform server  110  receives investments (S 1 ) to which investment conditions including an investment amount, a return on investment, an investment period and a return type on investment are added from the investors through the investor terminals  120 , and issues electronic currencies (S 2 ) with respect to the investments to the investor terminals  120 . In this case, the electronic currency has a function of a kind of bond certificate, and has an important function that enables a free and easy bond transfer as described below. 
     Meanwhile, the P2P investment intermediating platform server  110  receives loan applications (S 3 ) to which loan conditions including at least one of a loan amount, an interest rate, and a loan period are added from the debtors through the debtor terminals  130 . Thereafter, the P2P investment intermediating platform server  110  sets the return on investment by deducting a loan-deposit margin rate from the loan interest rate, then selects an investment condition and a loan condition by matching the investment conditions and the loan conditions with each other. In other words, the P2P investment intermediating platform server sets the return on investment by deducting the loan-deposit margin rate from the loan interest rate, so that the loan interest rate is larger than the return on investment, and thereby it is possible to secure a difference needed to operate a balance which will be described below. Then, the P2P investment intermediating platform server  110  pays a loan (S 4 ) to the debtor  20  through the debtor terminal  130  according to the selected investment condition and the loan condition. Meanwhile, in a process of receiving the investment or paying the loan, it is preferable that the P2P investment intermediating platform server  110  performs the investment or the payment of loan by deducting a commission from the investment or the loan according to a rate of commission for the investment or the loan. 
     In this case, for the operation of selecting the investment condition and the loan condition by matching them with each other, most basically, it is preferable to select a case in which the investment conditions presented by several investors and the loan conditions presented by several debtors are shared with each other (for example, by matching an investor and a debtor whose investment condition and loan condition coincide with each other). Meanwhile, there may be a case in which the investment condition and the loan condition are set to a predetermined range (for example, a return on investment of 8 to 12% per year) rather than a case in which the investor designates one fixed value (for example, a return on investment of 10% per year). Accordingly, in this case, for the operation of selecting the investment condition and the loan condition by matching them with each other, it is also preferable to select a case in which the investment conditions presented by several investors and the loan conditions presented by several debtors are shared with each other (for example, when a return on investment designated by an investor is 8 to 12% per year, and a loan rate applied for by the debtor is 7 to 9% per year, the return on investment and the loan rate are duplicated in a range of 8 to 9% per year, which will be selected to be regarded as they are shared with each other by matching). When performing the matching process, as described above, it is preferable to set the return on investment by deducting the loan-deposit margin rate from the loan interest rate in order to operate a balance, then match the investment conditions and the loan conditions with each other. 
     On the other hand, there may be a case in which the investment conditions and the loan conditions respectively presented by the investors or the debtors do not match each other, as described above. In this case, the P2P investment intermediating platform server  110  preliminarily selects investment conditions and loan conditions which are closest to each other (for example, when an investor presents a return on investment of 8 to 12% per year, if debtors a, b and c present loan rates of 4 to 5% per year, 5 to 6% per year and 6 to 7% per year, respectively, the debtor c who presents the loan rate of 6 to 7% per year which is closest to the return on investment of 8 to 12% per year presented by the investor is preliminarily selected). Meanwhile, in the case of such a preliminary selection, since the investor and the debtor are not matched or shared with each other in terms of the investment condition and loan condition desired by each of them, it is not preferable to automatically perform the investment intermediating matching. Accordingly, in order to notify the investor and the debtor that they have been preliminary selected, and allow them to change or adjust the investment condition and the loan condition with each other, it is preferable that the P2P investment intermediating platform server  110  transmits and notifies the fact of preliminary selection to the investor terminal  120  and the debtor terminal  130  of the investor and the debtor who present the investment condition and the loan condition corresponding to the preliminary selection, respectively. 
     Meanwhile, it is preferable to provide various types of investments or loans to the investors or debtors. For this purpose, preferably, the P2P investment intermediating platform  100  according to the embodiment of the present invention is configured so that the return type on investment constituting the investment condition includes a periodic type corresponding to one of daily, weekly, and monthly types. In this case, when the return type on investment is designated as the periodic type, the P2P investment intermediating platform server  110  adds up the return on investment for the total interest income withdrawn from the debtors through the debtor terminals  130 , and calculates an interest according to an investment ratio for each period designated in the return type on investment, and then pays the calculated interest to the investors  10  through the respective investor terminals  120  as a regular interest. In this case, when the return on investment is set by deducting the loan-deposit margin rate from the loan interest rate as described above, if all the interest income is paid on schedule, the total interest income becomes larger than a sum of the regular interest paid to the investors. Therefore, it is possible to secure funds to operate based on the balance for preparation and dispersion of the risk to be described below. 
     In addition, the loan period may not be specially set (that is, when the investor does not specify the period of withdrawing the investment), or the loan period may be set to a specific period. When the loan period is designated by setting a specific period through the investor terminal  120  and is transmitted to the P2P investment intermediating platform server  110 , it is preferable that the P2P investment intermediating platform server  110  pays the regular interest on a quarterly or yearly basis prior to expiration of term of the designated investment period, calculates an interest income from a time when the regular interest is already paid until the expiration of the designated investment, and pays the calculated interest income to the investor  10  through the investor terminal  120 . 
     Meanwhile, in order to prepare and disperse the risk when the loan is not withdrawn from the debtor or the scheduled interest income is terminated early due to an early redemption of the debtor, it is preferable that the P2P investment intermediating platform server  110  deposits an amount obtained by deducting amounts already paid to investors  10  and the commission from the interest incomes paid by the debtors  20  in accordance with the loan interest rate as a balance to operate based on the balance. In other words, it is possible to preserve or disperse the risk (for example, to guarantee a loss of a predetermined ratio with respect to the investor whose investment is not withdrawn) by efficiently operating the secured balance. 
     Meanwhile, it is preferable that the P2P investment intermediating platform server  110  divides proportionally and calculates an amount obtained by periodically deducting accounts receivable from the balance in accordance with an investment amount ratio to the investors  10 , so that it is possible not only to preserve and disperse the risk caused by the operation of the balance but also to generate more profit to be paid to the investors. In other words, if there is any remaining balance which remains after handling the risk such as an amount receivable by operating the balance, it is preferable to divide proportionally and calculate the remaining balance, thus generate more profit to be paid to the investors. 
     In addition, when the P2P investment intermediating platform server  110  is further connected to the credit rating agency server  150  through the communication network, the P2P investment intermediating platform server  110  preferably uses the loan condition by further including credit information of the debtor  20  received through the credit rating agency server  150 . 
     Furthermore, when the P2P investment intermediating platform server  110  is further connected to the financial institution server  140  through the communication network, the P2P investment intermediating platform server  110  preferably uses the loan condition by further including previous loan status information of the debtor  20  received through the financial institution server  140 . 
     Meanwhile, it is possible that the P2P investment intermediating platform server  110  matches one or more of the investors  10  and one or more of the debtors  20  by placing them into groups in any one form of one-to-one, one-to-many, many-to-one, and many-to-many depending on the investment conditions and the loan conditions, respectively. That is, it is also possible to perform the investment intermediating matching by placing a plurality of investors having similar investment conditions into one group, or placing a plurality of debtors having similar loan conditions into one group. Thereby, it may be especially useful when matching an investor who has invested a large amount with a plurality of debtors who desire a small loan amount, and it is possible to place a plurality of debtors who desire a large loan amount into a group, and match the same with the investor who has invested a large amount or the like, and thereby play a role in activating financial transactions by further enhancing the possibility of investment intermediation. 
     Meanwhile, financial transactions such as the investment or the payment of the loan may be made through the Internet remittance or the like, which is performed in the P2P investment intermediating platform server  110 , the investor terminal  120 , and the debtor terminal  130 , and it is also possible to pay the loan through various types of electronic currencies as necessary. 
     As described above, optimal embodiments have been disclosed in the drawings and the specification. Although specific terms have been used herein, these are only intended to describe the present invention and are not intended to limit the meanings of the terms or to restrict the scope of the present invention as disclosed in the accompanying claims. Accordingly, those skilled in the art will appreciate that various modifications and other equivalent embodiments are possible from the above embodiments. Therefore, the scope of the present invention should be defined by the technical spirit of the accompanying claims.