KR101797678B1 - Peer to Peer platform service system - Google Patents

Peer to Peer platform service system Download PDF

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KR101797678B1
KR101797678B1 KR1020150185938A KR20150185938A KR101797678B1 KR 101797678 B1 KR101797678 B1 KR 101797678B1 KR 1020150185938 A KR1020150185938 A KR 1020150185938A KR 20150185938 A KR20150185938 A KR 20150185938A KR 101797678 B1 KR101797678 B1 KR 101797678B1
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open market
seller
investor
information
investors
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KR1020150185938A
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KR20170076100A (en
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박영석
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한국스코어링 주식회사
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
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Abstract

The present invention relies on an investor of an individual, a corporation or a professional institution to indirectly invest in an open market seller so that an investor can obtain a stable profit, an open market seller can secure cash liquidity, And an evaluation system builder to relay the investors and sellers who can protect the investors' investment money.

Description

Peer to peer platform service system that relays investors and sellers

The present invention relates to a P2P (Peer to Peer) platform service system for relaying an investor and a seller, and more particularly, , Which provides investors with stable returns, open market sellers to secure cash liquidity, and a new credit rating system for investor protection, to provide investors and sellers who can protect investors' investments. ≪ / RTI >

As the Internet becomes popular, online retailers are selling various goods through non-face-to-face communication via the Internet. In recent years, open markets have become popular in which sellers register their products, sell products, and settle sales prices from online sellers have.

The feature of such an open market is that open market which maintains open market system joins a large number of sellers composed of individuals or corporations as sales members and sellers sell products to sell through online market server The open market has a profit structure that receives a portion of the commodity price sold by the seller as a commission.

In addition, the open market has a variety of safety measures in order to ensure that the merchandise transaction contract between the seller and the buyer is established normally. For example, the seller can safely deliver the complete sales product to the buyer, The payment amount of the commodity is not paid or the payment amount is not paid to the seller for a certain period after the commodity is delivered.

Therefore, in Open Market, it is common to receive the payment payment made by the buyer from Open Market first, and then deposit the amount to be paid to the seller's account after a certain period of time.

On the other hand, in recent open market sellers, in order to compete with other sellers in the rapidly growing open market, the prices of sales products are continuously lowered, and the profit margin resulting from the sales of products is gradually lowered compared to the early days.

Therefore, in recent open market sellers, it is generalized to buy and sell a large quantity of goods so that they can maintain a sufficient profit even at a small profit margin. In such a case, a large amount of cash may temporarily be required for purchasing such goods.

However, since the open market pays the payment of the commodity to the seller after a certain period of time because of the safety of the transaction, even if the seller is a creditworthy seller or the seller of the commodity has a great deal of money, many.

As a conventional technique for solving such a problem, a picked-up system has been introduced.

1 is a schematic block diagram of a conventional pickling picking system.

As shown in Fig. 1, an open market 10 for providing a seller with a product sales process and sending a sales price to a selected product service server, and an open market 10 for selecting a part of the sales price to the seller 20, And a selection service server 30 for collecting all of the sales proceeds from the open market 10 after the lapse of the period and returning the amount of the sales proceeds other than the sales price selected from the collected sales proceeds back to the seller.

For example, it can be assumed that the daily sales price of the seller 20 is one million won. In this case, the selected pick-up service server 30 can perform the pick-up processing for 800,000 won, which is a part of the sales price, to the seller 20 on behalf of the open market 10. [ When a predetermined period of time has elapsed and the sales price of all the sales proceeds is transferred from the open market 10 to the seller's account, the selected service server 30 sends the account of the seller 200,000 won, excluding the selected transaction fee of 800,000 won.

According to the related art, the seller can quickly receive a portion of the sales proceeds to secure funds necessary for the operation of the shopping mall, and the open market and the selected service provider can generate commission income.

However, the conventional technology including the picked-up system merely generates an indirect effect of improving the shopping mall operating environment of the small-sized sellers by supporting the selection of a portion of the sales amount generated on a daily basis. There is a limitation in that it can not provide a loan service in which the small-scale seller can receive practical assistance by utilizing the related information.

In addition, in the case of the existing selected service, all the sellers whose credit, sales, and the like are below the predetermined standard are not provided with the service because they decide whether to provide the selected service individually to the sellers.

Korean Patent Registration No. 10-1350416, a method of providing a bank loan service for an employer, and a bank system for providing a loan service to an employer. Korean Patent Registration No. 10-1491469, a system and method for providing a loan-based loan service in an open market.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems of the prior art described above, and it is an object of the present invention to provide a mobile terminal And to provide a peer-to-peer platform service system that relays investors and sellers who have earned profits and open market sellers to secure cash liquidity.

Also, the present invention provides a peer-to-peer platform service system that relays investors and sellers who have invested in a new credit rating system for investor protection so that investors can make safe investments.

In order to accomplish the above object, the present invention provides a member information management system, comprising: a member information manager for storing information of an open market seller, determining whether a member is approved by receiving information of an open market seller, ; And an open market seller and an investor who are stored in the member information management section, but invests in an investment from an individual, an enterprise, or a professional institution investing in the open market seller to earn profits, and then distributes the profit to the investor And a platform (P2P platform) part; If there is a loan application from the open market seller stored in the member information management unit, the passive platform unit conducts an internal examination to select a superior lender according to the calculated result, and a sales lender (sales price) The investor invests in the funds from the open market to the designated 'loan account' of the open market based on the investment propensity of the investors. After the buyer's purchase decision and payment settlement is made by continuously managing the redemption schedule, The seller receives the money to be remitted to the designated 'redemption account' of the market seller, and the investor is allowed to uniformly distribute the profit according to the prearranged contents. In the above-mentioned passive platform section, Including the establishment of a new credit rating system for investor protection, The new credit rating system for the protection of investors is to integrate the evaluation of companies based on non-financial information with the evaluation of companies based on financial information, predicts whether fraud detection will occur, decides whether to approve the fraud, The evaluation of the non-financial information based company is as follows: the settlement information of the open market seller, the business performance, the sales amount, the transaction company information, the product review, the market evaluation, the return rate, Electricity payment information, management fee payment information, and SNS information, and the financial information based company evaluation includes: This includes the credit rating of the seller of the open market, whether it is delinquent, whether it is delinquent, whether it is overdue, and the credit bureau. The prediction of fraud detection is: sudden increase in sales, By constructing bonds by combining the requirements of one or more loans that have passed the examination by the Credit Ratings Evaluation System for Investors Protection, Even if some delinquency occurs, it is possible to protect the investors by maintaining the stability of profit.

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It is preferable that the non-covered platform part: investors make investments in an indirect investment manner, and guide the investors by constructing portfolios according to bond types.

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According to the peer-to-peer platform service system relaying the investors and the sellers according to the present invention, open market sellers can seek opportunities for business expansion through quick cash flow by relaying open market sellers and investors in the peer-to- It has the effect of securing competitiveness due to fund management and cost reduction.

Also, according to the present invention, the new credit rating system for investor protection can provide investors with a high profitable investment, and it is not a direct investment in an open market investor but a burden on the risk of unrequited debt due to a bond- There is no guarantee of investment stability by setting up collateral of accounts receivable.

On the other hand, the open market has the effect of increasing the revenue of the open market (market fee, advertisement fee, etc.) due to the expansion of the open market sellers. Especially, the government and public institutions are able to complement the citizens' .

1 is a schematic block diagram of a conventional pickling pick-up system,
FIG. 2 is a block diagram of a peer-to-peer platform service system that relays investors and sellers according to the present invention,
3 is a block diagram illustrating a pass-through platform unit included in a passive platform service system that relays investors and sellers according to the present invention.

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

Prior to the description of the present invention, the following specific structure or functional description is merely illustrative for the purpose of describing an embodiment according to the concept of the present invention, and embodiments according to the concept of the present invention may be embodied in various forms , And should not be construed as limited to the embodiments described herein.

In addition, embodiments according to the concept of the present invention can make various changes and have various forms, so that specific embodiments are illustrated in the drawings and described in detail herein. However, it should be understood that the embodiments according to the concept of the present invention are not intended to limit the present invention to specific modes of operation, but include all modifications, equivalents and alternatives falling within the spirit and scope of the present invention.

FIG. 2 is a block diagram of a peer-to-peer platform service system that relays an investor and a seller according to the present invention. FIG. 3 is a block diagram illustrating a peer- to be.

As shown in these drawings, a peer-to-peer platform service system that relays an investor and a seller according to the present invention preferably includes a member information management unit 202 and a peer-to-peer platform (P2P platform) unit 200 .

In addition, it is preferable that the covering platform unit 200 includes a credit rating system builder 210 for protecting investors so that the investor 100 can be protected.

The member information management unit 202 receives the information of the open market sellers 20 and determines whether or not the member is approved. The member information management unit 202 assigns identification codes to the open market sellers 20 approved by the member, Storage and management.

The member information management unit 202 can create categories by using the information of the open market sellers 20, and can identify the members of the open market sellers 20 by category. For example, a category may be created for a like product, a range of capital, or a credit rating, respectively.

The mobile platform 100 is provided with an investor 100 for providing investment liquidity to the open market sellers 20 stored in the member information management unit 202 by investing in the investment money from an investor 100 of an individual, The open market seller 20 is relayed.

If there is a loan application from the open market seller 20 stored in the member information management unit 202, the on-hand platform unit 200 proceeds to an internal examination and selects a superior loaner according to the calculated result, (100) of investors (100) invested by individuals, corporations or professional institutions as collateral against the sales receivables (sales proceeds) of the investors (100) to the designated 'loan account' of the open market sellers After the payment of the loan is made and the reimbursement schedule is continuously managed to settle the purchaser's purchase and settle the payment, the open market 10 receives a charge for remittance to the designated 'redemption account' of the open market seller 20 , And distributes the proceeds uniformly to the investor (100) in accordance with the prearranged contents.

Accordingly, the mobile terminal platform 200 generates a profit by lending the investment money received from the investor 100 to the open market seller 20 so that the investor 100 obtains stable profit, and the open market seller 20 obtains the fund It is characterized by being able to secure fluidity.

In addition, the present invention includes a credit rating system builder 210 for protecting investors, so that the open market seller 20 who has passed the examination of the investor protection credit rating system builder 210 checks the receivables Which is characterized by stable investment.

The new credit rating rating system builder 210 fuses the non-financial information based company evaluation 212 and the financial information based company evaluation 214 and predicts whether fraud detection is to be performed 216 ), And it is decided whether to approve or not, and to make an examination to pay the loan by differentiating the limit and the interest rate.

The non-financial information based company evaluation 212 may include information on settlement information, sales force, sales amount, trader information, product reviews, market ratings, return rates, handling products, customer inquiries, city gas payment information , Electricity tax payment information, management fee payment information, and SNS information.

Herein, the non-financial information based company evaluation 212 is a sales status for the open market seller 20 and includes all items related to sales of products such as daily sales, monthly sales, refund cancellation rate, Type information may be included.

The non-financial information-based company evaluation 214 can confirm the stability by monitoring the steady sales of the open market sellers 20 as the workload of the open market sellers 20 accumulates, and can monitor the growth of sales by monitoring the increase in sales. You can monitor your competitiveness by monitoring whether you are performing in the market, and you can monitor your loyalty by monitoring the number of repeat customers.

In addition, it is possible to monitor the customer's satisfaction by monitoring whether or not the customer is getting good evaluation from the buyer, to monitor whether the customer is getting good evaluation in the open market 10, to check the sincerity, It is also possible to check the handling product information.

On the other hand, the financial information based company evaluation 214 preferably includes the credit rating of the open market seller 20, whether it is delinquent, whether it is delinquent, whether it is delinquent, and information of a credit bureau Do.

Finally, the prediction 216 of fraud detection may include sudden increases in sales, changes in sales products, a sharp decrease in inquiries to inquiries, information on return increase data, and the like.

The prediction of fraudulence 216 can detect whether a sudden change occurs within a predetermined period by monitoring the change in the sales information included in the sales status information of the open market seller 20, have. In other words, if the sales decrease sharply, it can be judged that the sales situation is deteriorating or the credit is falling. Conversely, if the sales increase sharply, it is possible to predict the fraud based on the sales manipulation, false sales, .

As shown in the figure, in the passive platform service method of relaying the investor and the seller according to the present invention, the service relay first receives the information of the open market seller 20 and determines whether or not to approve the membership, (20) and storing and managing the information of the open market seller (20) by giving identification codes to the open market sellers (20) Or the investor 100 of the corporation or the specialized institution to invest the investment money and execute the loan service by the peer-to-peer platform unit 200, Step.

In the second step, if there is a loan application from the open market seller 20 stored in the member information management unit 201, the internal rating is performed by the credit rating evaluation system builder 210 for protecting the investor, (100) of investors (100) of an individual, a corporation or a professional institution, and a step of establishing a new credit rating evaluation system for protecting investors Determining whether or not to approve the portion 210 and paying the loan to the designated 'loan account' of the open market seller 20 based on the investment propensity of the investors 100 by differentiating the limit and the interest rate, After the payment of the loan is made, the reimbursement schedule is continuously managed, and when the buyer's purchase decision and payment are made, the open market (10) A step of receiving the money to be remitted to the designated 'redemption account' of the buyer 20, and a step of uniformly distributing the profit according to the contents previously agreed to the investor 100.

Also, the step of selecting a good lender in the second step includes a credit rating system builder 210 for protecting an investor 100 of an individual, a corporation, or a professional institution, It can protect the investor 100 by lending to the open market seller 20 that has passed the rating evaluation system construction unit 210.

The new credit rating system builder 210 for protecting an investor fuses the non-financial information based company evaluation 212 and the financial information based company evaluation 214 and predicts whether fraud detection is to be performed 216 Select. That is, the non-financial information-based vendor evaluation 212 may include information on settlement information, business performance, sales, trader information, product reviews, market ratings, return rates, handling products, customer inquiries, And the SNS information, and the financial information-based company evaluation 214 selects an open market seller's credit rating, whether it is delinquent, whether it is delinquent, whether it is delinquent, (Fraud Detection) prediction (216) includes information such as sudden increase in sales, changes in sales items, a sharp decrease in inquiries to inquiries, and information on return increase data, etc. And it is possible to stably protect investors.

Meanwhile, the present invention constitutes a bond by grouping one or more loan requirements that have passed the examination by the credit rating system builder 210 for protecting investors, so that even if some delinquencies occur, The investor 100 can be protected.

According to the present invention, the investor 100 can be stably protected. That is, the present invention includes a new credit rating system builder 210 for protecting investors and selects a superior lender who has passed the screening by the credit rating system builder 210 for protecting investors, Protection credit rating system construction unit 210 is a technology that combines non-financial information of the open market seller 20.

Meanwhile, in the present invention, a collateral can be installed for stable repayment, which can set a security for the sales receipt (sales proceeds) of the open market seller 20.

For example, in the past, if you set as collateral the accounts receivable of open market sellers, you could only make loans within the range of 70% ~ 80% of accounts receivable. Separate payment guarantees, account pledges, It was a reality that open market sellers were hard to lend because they set up similar collateral for stable repayment.

However, the present invention has an advantage that it can be resiliently lent to 80% ~ 100% of the receivables once it passes the screening by the credit rating system builder 210 for protecting investors.

Here, the sales receivable means that the open market seller registers the product through the open market and the buyer visits the open market to pay for the purchase and payment of the commodity, This is a bond that has stagnated in such a time frame.

When these receivables are secured, the investor (100) can be safely protected by investing in an indirect and diversified investment scheme. That is, the investors 100 invest the investment of the investors 100 in the one or more sales requirements that have passed the examination by the investor protection new credit rating system construction unit 210, It is desirable that investors should be guided by indirect investment method through portfolio type by bond type.

Meanwhile, if a plurality of loan requests that have passed the examination by the credit rating system building unit 210 for protecting investors are bundled together to constitute a bond, it is possible to maintain the stability of profit even if a partial delinquency occurs .

Accordingly, the open market seller 20 can secure fast cash flow by supporting the financial service to the open market seller 20 by the peer-to-peer platform service system relaying the investor and the seller according to the present invention.

For example, open market sellers focused on individual businesses generally have a small sales amount due to sales of small amount, small amount, and low price goods, and it is necessary to provide flexible funds that can circulate continuously in a considerably short period of time. To the peer-to-peer platform service system.

On the other hand, in the present invention, assuming that a period of about 12 days is used until the commencement of the delivery of goods after settlement of payment by the purchaser, the settlement of purchase of the purchaser, and the settlement of accounts, the circulation of such 12 days continuously occurs, It becomes easy to secure. In other words, the receivables are in the early stage and have the characteristics of continuous circulation, making it easy for investors to secure their profits.

Particularly, in the present invention, it is desirable to arrange a loan period of six months to one year at the time of initial loan if the collateral is set for the sales amount fixed in sales. This can lead to continuous trading rather than a one-off transaction, and it can solve the risk of the open market sellers' eating and so on.

Meanwhile, in order to protect the investor, the deposit account of the sales money can be changed from the open market seller account to the virtual account of the peel-off platform unit 200, and the bond payment contract can be concluded for the amount of sales settlement.

Therefore, the present invention can be applied to open market sellers 20 and investors 100 so that the investors 100 can borrow money from the open market sellers 20 and distribute the generated proceeds to the investors 100. [ The direct investment between the two parties can be prevented and the risk of risks such as principal investment and interest can be minimized by indirectly trading through the passive platform unit 200. [

In addition, the prepayment application for the trade receivables of the open market sellers 20 is terminated at the specific time (for example, 09:00, 12:00, 15:00, 18:00, etc.) If there is enough data to accumulate, the risky group will filter and filter, and a stable group can automate the system to automatically transfer funds.

Meanwhile, the investor can determine the investment ratio according to the bond type and proceed with the distribution according to the earnings.

In addition, if investors (100) classify the low-risk and low-income stable bonds, the medium-to-high and middle-income ordinary bonds, and the high-risk and high-income offensive bonds respectively, investors can choose according to their individual preferences .

Accordingly, in the present invention, an open market seller applies for a loan to the passive platform unit 200 with the receivables as collateral, the passive platform unit 200 accepts the application, and a new credit rating system builder (Non-financial information convergence credit evaluation, fraud detection) by the insurer (210), classifies the bond type according to the calculated result, and executes the loan based on the investment propensity of the investor.

In addition, when the loan is paid to the designated 'loan account of the open market seller' by the skin platform unit 200, the reimbursement schedule and the like are continuously managed, and the buyer's purchase decision and payment are made, The investor will receive a payment for the remittance to the designated 'redemption account' of the seller and distribute it to the investors uniformly according to the preliminary agreement.

Although the present invention has been fully described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the present invention is not limited thereto. It is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

100 - Investor 202 - Member Information Management Department
200 - Peer-to-Peer Platform Department 210 - New Credit Rating Evaluation System

Claims (7)

A member information management unit (hereinafter referred to as " open market seller ") 20 for storing information and managing the information of the open market seller 20 by receiving the information of the open market seller 20 and determining whether the member is approved, 202); And
The open market seller 20 and the investor 100, which are stored in the member information management unit 202,
A peer platform (P2P platform) that relays the investment to the open market sellers (20) by receiving investment from the investors (100) of an individual, a corporation or a specialized institution and then distributes the proceeds to the investor 200)
The skin platform part (200) comprises:
If there is a loan application from the open market seller 20 stored in the member information management unit 202, the passive platform unit 200 performs an internal examination and selects a good lender according to the calculated result,
After receiving the loan from the investor 100 on the designated 'loan account' of the open market seller 20 based on the investment propensity of the investors 100, , When the buyer's purchase decision and payment are made by continuously managing the reimbursement schedule, the money to be remitted to the designated 'redemption account' of the open market seller 20 is received from the open market 10,
The investor (100) is allowed to distribute the proceeds uniformly according to the pre-
In the hand-held platform part 200,
(210) for protecting investors to protect investors of an individual, a corporation or a professional institution,
The investor protection new credit rating system building unit 210 includes:
(216) and a financial information-based company evaluation (214), and predicts whether fraud detection will occur (216). Then, it decides whether to approve or not, and differentiates the limit and interest rate Pay the loan,
The non-financial information based vendor evaluation 212 includes:
A sales price, a return rate, a product to be handled, a content of a customer inquiry, city gas payment information, electricity tax payment information, management fee payment information, and SNS information of the open market seller 20 ,
The financial information based vendor evaluation (214) comprises:
It includes the credit rating of the seller of the open market, whether it is delinquent, whether it is delinquent, whether it is overdue,
The prediction 216 of the fraud detection may include:
Includes information on sudden increases in sales, changes in sales products, a sharp decrease in inquiries,
By constructing the bonds by combining the requirements of one or more loans that have passed the screening by the credit rating system for investor protection 210, it is possible to maintain the stability of the profits even if some delinquencies occur, 100) to the investor and the seller.
delete delete The method according to claim 1,
The covering platform unit 200 includes:
Wherein the investor (100) invests in an indirect investment manner, and forms a portfolio according to the bond type, and guides the investors (100) to the investors (100).
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KR1020150185938A 2015-12-24 2015-12-24 Peer to Peer platform service system KR101797678B1 (en)

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KR20170076100A KR20170076100A (en) 2017-07-04
KR101797678B1 true KR101797678B1 (en) 2017-11-14

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KR102488762B1 (en) * 2018-11-27 2023-01-13 김재열 Loan management system using credit card sales information
KR102122174B1 (en) * 2018-12-24 2020-06-11 김해동 Method for managing shopping mall oriented investment and apparatus thereof
KR102028482B1 (en) * 2019-04-10 2019-11-14 (주)탑플랫폼 Pre-settlement financial system and method for online commerce platform
KR20210026355A (en) * 2019-08-30 2021-03-10 주식회사 비크리에이티브 Method and server for providing product in advance by using financial product as security
KR102336462B1 (en) * 2020-10-26 2021-12-07 에프앤유신용정보 주식회사 Apparatus and method of credit rating
KR102367986B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce method using fin-tech
KR102367999B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce system using fin-tech
KR102576485B1 (en) * 2022-12-15 2023-09-08 주식회사 데일리펀딩 Apparatus and method for calculating the range of interest rates that can be set by the seller and the possibility of recruiting investors using investor data and e-commerce seller data

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