KR102012673B1 - Overseas collateral Peer to Peer financing system - Google Patents

Abstract

The present invention relates to a P2P-based financing system using foreign collateral to attract foreign investments to finance by utilizing collateral located in other countries in the global business environment.
The present invention is a system for allowing a fund applicant residing in a first country to receive funds financed in a P2P manner from a second country investor using collateral in a third country. A funding component that accepts funding information including amount information; Provide the applicant information to the credit rating agency server to receive a credit evaluation result, and provide the collateral information to the law enforcement server and the appraisal agency server to receive the legal review result and the valuation result for the collateral; A security setting component for setting a security right on the collateral when there is no disapproval in the credit evaluation result and the legal review result, and issuing a bond corresponding to the application amount of the money within the scope of the valuation result; P2P-based financing system using foreign collateral, including an investor component that receives the investment, provides a bond according to the investment amount, and a funding component that collects the investment exchanged with the bond and provides it as a loan to the applicant. to provide.

Description

Overseas collateral Peer to Peer financing system

The present invention relates to a P2P financing system using foreign collateral, which makes it possible to attract and finance investment in a P2P manner from general investors of each country by utilizing collateral located in other countries in the global business environment.

Cross-border business activities are now commonplace in the current global economic system, where transport and communication have developed and the barriers to national ideology have collapsed. It is no longer unusual for an individual's life to go beyond his nationality to live in various countries.

People need money to live and do business. In Korea, if you are temporarily out of cash, you can get a bank loan with your own credit, provide collateral (real estate, real estate), or get a loan from a bank with a guarantor. Of course, foreign countries often need cash. However, no matter how many real estate and real estate there are in your home country, it is very difficult to secure cash using them in foreign countries. On the contrary, even if there are a lot of physical assets in foreign countries, it is very difficult to use foreign assets in Korea without disposing of them.

For overseas Koreans living in the United States, before 2008, there were products that could be loaned as collateral for Korean real estate through financial institutions, but after the financial crisis, the products disappeared in all financial sectors. Even though there are assets, many Korean compatriots are forced to use the loan company's funds because it is impossible to raise funds from official financial institutions due to lack of local credit or lack of credit history.

Many Koreans residing abroad have placed their hard-earned assets in banks with little profits in the absence of investment in local financial institutions, lack of investment information on Korean financial products, and few investment routes. .

The present invention relates to a technology related to a business that interconnects to provide and invest in real estate or other assets of a home country as collateral for its compatriots who are unable to utilize their own home country and find a place to invest and who rely on bank deposits even though they have significant assets in their home country. to be.

1. Patent Publication 10-2017-0050441 "Peer-to-peer-based financial technology service method and system using stock collateral" 2. Korean Patent Publication No. 10-2016-00867683 "Crowdfunding brokerage method using loan bonds" 3. Publication 10-2004-0052786 "Loan sales system and method using the Internet"

The present invention aims to provide a system for financing by utilizing collateral located abroad, and to provide a stable investment in a P2P manner to foreign assets that have been securitized (including document or blockchain-based virtual currency). have.

The present invention is a system for allowing a fund applicant residing in a first country to receive funds financed in a P2P manner from a second country investor using collateral in a third country. A funding component that accepts funding information including amount information; Provide the applicant information to the credit rating agency server to receive the credit evaluation result, and provide the collateral information to the law enforcement server and the evaluation agency server to receive the qualification result and the valuation result for the collateral; A security setting component for setting a security right for the collateral when there is no disapproval in the credit evaluation result and the qualification test result, and issuing a bond corresponding to the application amount of the funds within the range of the valuation result; P2P-based financing system using foreign collateral, including an investor component that receives the investment, provides a bond according to the investment amount, and a funding component that collects the investment exchanged with the bond and provides it as a loan to the applicant. to provide.

The security setting component may be configured to share the disapproval reason with the fund application component when there is a disapproval reason in the credit evaluation result and the eligibility evaluation result, and the fund application component may be configured to notify the fund applicant of the disapproval reason. have.

In addition, the security setting component may issue the bond as an electronic document (including virtual currency) with a unique identification means,

If the bond issued by the collateral setting component is a named bond, the investor component provides an electronic register for registering the owner's change in the bond, and the assignee bond electronic document as the owner change registration is approved in the electronic register. May be discarded and the assignee's bond electronic documents newly issued.

In this case, the investor component may be configured to automatically remit a bond repayment to a bank account designated by the last registered creditor on the electronic register upon expiration of the named bond.

On the other hand, if the bond issued by the security setting component is an anonymous bond, the bond electronic document can be configured to endorse through the authorized certification of the assignor and the assignee in the transfer-transfer transaction.

In this case, the investor component may be configured to remit the bond repayment to a designated bank account through the accreditation of the endorsed endorsement and the identification of the unique identifier upon expiration of the bearer bond.

Specifically, when issuing the bond in the form of a blockchain-based virtual currency, the creditor automatically uses the smart contract function (for example, the smart contract function included in Ethereum) included in the virtual currency. Rights are transferred and the last holder can be configured to designate a bank account to request repayment of the bond.

The investor component may receive a multinational currency as a valid investment, but the bond repayment may be configured to pay any of the same currency as the investment, the key currency indicated on the bond and the currency of the investor's designated country.

The funding component may be configured to exchange and provide the loan in the currency of the country designated by the applicant.

The funding component may be configured to generate a loan account for each application and provide a loan to the fund applicant, and monitor the loan account to notify the credit rating agency if the loan payment is overdue. .

According to the present invention described above, the following effects can be expected.

1. From the point of view of the applicant, funds may be financed at the current place of residence using collateral located outside the current place of residence. Accordingly, it is possible to attract multinational investment funds based on domestic collateral and use them for business without spilling foreign currency in the global business environment.

2. For investors, bank interest rates are lowered globally, and the stock market is unstable, allowing stable and high returns by diversifying investments in bonds issued on the basis of real value.

3. P2P which provides loans to fund applicants by issuing bonds that can be segregated into small amounts based on human and material collateral provided by the applicant, and attracting investments by investing the bonds. Through the operation of the lending (investment) platform, the position as a platform provider can be established, and the sales structure can be diversified through the operation service and related derivative services of the present invention.

1 schematically illustrates the basic structure of a fund raising system using foreign collateral provided by the present invention.
2 is a diagram schematically illustrating a linkage structure between the present invention system, a related terminal, and a server.
[Figure 3] is a schematic diagram of the process of applying for funds through the present system, the bond is issued according to the collateral.
4 is a schematic diagram of a process in which an investment and a loan are provided through the present invention system.
[Figure 5] shows the process of converting the collateral provided by the applicant for funding through the present invention system to the bond of the investor, and the investor's investment into a loan provided to the applicant for the fund in (a) and (b) It is shown.

The present invention is a system for allowing a fund applicant residing in a first country to receive funds financed in a P2P manner from a second country investor using collateral in a third country. A funding component that accepts funding information including amount information; Provide the applicant information to the credit rating agency server to receive a credit evaluation result, and provide the collateral information to the law enforcement server and the appraisal agency server to receive the legal review result and the valuation result for the collateral; A security setting component for setting a security right on the collateral when there is no disapproval in the credit evaluation result and the legal review result, and issuing a bond corresponding to the application amount of the money within the scope of the valuation result; An investor component that receives an investment and provides a bond according to the amount of investment, and a funding component that collects investment funds exchanged for bonds and provides them as loans to the fund applicant, wherein the security setting component is a unit bond of equal value P2P-based financing system using foreign collateral, characterized in that is configured to issue a quantity in the amount of the collateral.

In the financial sector, peer-to-peer (P2P) means that investors and borrowers who need funds at a more reasonable interest rate meet and close each other through the Internet. P2P financing has the advantage of providing reasonable interest rates to both lenders and investors, as well as making existing financial transactions available through the Internet only through financial companies such as banks.

The present invention relates to a system (platform) for providing a service that connects an individual investor with a fund applicant through the Internet. The present invention relates to a debtor regardless of the applicant, the investor's nationality, or the country of the collateral provided by the fund applicant. Small amount of bonds) to finance the investment.

The security setting component may be configured to share the disapproval reason with the fund application component when there is a disapproval reason in the credit evaluation result and the eligibility evaluation result, and the fund application component may be configured to notify the fund applicant of the disapproval reason. have.

In addition, the security setting component may issue the bond as an electronic document attached with a unique identification means,

If the bond issued by the collateral setting component is a named bond, the investor component provides an electronic register for registering the owner's change in the bond, and the assignee bond electronic document as the owner change registration is approved in the electronic register. May be discarded and the assignee's bond electronic documents newly issued.

In this case, the investor component may be configured to automatically remit a bond repayment to a bank account designated by the last registered creditor on the electronic register upon expiration of the named bond.

On the other hand, if the bond issued by the security setting component is an anonymous bond, the bond electronic document can be configured to endorse through the authorized certification of the assignor and the assignee in the transfer-transfer transaction.

In this case, the investor component may be configured to remit the bond repayment to a designated bank account through the accreditation of the endorsed endorsement and the identification of the unique identifier upon expiration of the bearer bond.

The Investor component accepts a multinational currency as a valid investment, but the bond repayments are paid in the same currency as the investment, the key currency indicated on the bond, the currency of the country designated by the investor, or a virtual designated by the investor or the invention system (platform) operator. It can be configured to pay in currency.

The funding component may be configured to exchange and provide the loan in the currency of the country designated by the applicant.

The funding component may be configured to generate a loan account for each application and provide a loan to the fund applicant, and monitor the loan account to notify the credit rating agency if the loan payment is overdue. .

The P2P-based financing system using the foreign collateral provided by the present invention is a system for allowing the applicant of the funds in the first country to receive the investment of the second country's investors using the human and physical collateral of the third country. .

The first, second and third countries reflect the notion that the applicant's place of residence, collateral, and investor nationality may all be different countries, and the first to third countries may all be the same country, Some may be the same country, or all may be different countries.

In the present invention, "collateral" is a concept encompassing human and physical collateral, the human collateral encompasses a guarantor and solidarity guarantor, physical collateral such as real estate, real estate, as well as bond security and pledge It also includes intellectual property rights. Therefore, in the present invention, setting a security right on the collateral is to erase the guarantee obligation to the guarantor, to set up a mortgage, a mortgage, a pledge, etc. in the property or real estate, to establish a transfer security for the bond, the security (thing) Release condition (loan repayment condition) includes establishing a transfer of ownership agreement, and includes all legal measures to enable human and physical assets to be used to repay debts in accordance with the laws of foreign countries, regardless of terminology.

In addition, the 'collaterals' may include collaterals provided by a third party, and may utilize two or more collaterals provided by two or more persons. In addition, the nationality of the two or more collateral location may be different.

Funding component, collateral setting component, investor component, funding component, etc. constituting the system of the present invention can be configured to be installed in a plurality of servers and interconnected, or integrated in one server. In addition, each component of the system of the present invention may be configured to individually access from a plurality of web pages (or app pages), or may be configured to make the entire service through one web page (or app page).

The funding component, collateral setting component, investor component and funding component are all essential components organically combined for the operation of the present invention system as shown in [FIG. 1], and all information collected from each component is It is shared directly or indirectly with other components. In addition, the system is extended in connection with external terminals, servers, and the like. 2 is a diagram schematically illustrating a linkage structure between the present invention system, a related terminal, and a server.

For example, the fund applicant information, the collateral provider information, the collateral information, and the amount of the fund application provided from the fund applicant terminal are directly shared with the collateral setting component, and the bond information issued by the collateral setting component is the investor component and the funds. It is also shared with the providing component.

Embodiments of the process using the system of the present invention are shown separately in FIGS. 3 and 4.

FIG. 3 is a schematic diagram of an example of a process of applying for funds through the present invention and issuing a bond corresponding to the amount of funds applied, and the contents thereof are arranged in order as follows.

① Receive fund application (fund applicant information, collateral provider information, collateral information, fund application amount information, etc.) input through the fund applicant terminal in the fund application component

② Sharing fund application information of the fund application component and collateral setting component

③ The collateral setting component provides the information of the applicant to the credit rating agency and the collateral information to the law firm server and the appraisal agency of the country where the collateral is located

④ The collateral setting component receives the credit evaluation result, collateral eligibility evaluation result and collateral valuation result.

⑤ Judgment on the reason for the disapproval of the provision of funds based on the credit evaluation result and the collateral eligibility evaluation result.

⑥ If the disapproval reason exists, the security setting component notifies the applicant of the disapproval reason.

⑦ If there is no reason for disapproval, collateral setting component sets security right for collateral

⑧ The security setting component issues bonds corresponding to the amount of funds applied within the valuation results of the collateral.

4 is a schematic diagram of an example of a process in which investment and funding are provided through the present invention system, the contents of which are arranged in order as follows.

① Sharing bond issuance information between security setting components, investor components and funding components

② Transfer funds to the bank account specified by the investor component through the investor terminal. Identifying Investments in Investor Components

③ Providing bonds corresponding to the investment through the investor terminal in the investor component

④ Provide loans to funders through a bank account where the funding component is assigned

The collateral provided by the applicant for the fund through the present invention system as described above is converted into a bond, and provided to the investor according to the investment amount. In addition, the investor's investment will be provided to the applicant for the loan in accordance with the result of the valuation of the collateral.

5 shows a process in which the collateral provided by the applicant for funding through the present invention is converted into an investor's bond, and the investor's investment is converted into a loan provided to the applicant.

(A) of FIG. 5 shows that bonds A, B, and C are matched with collaterals A, B, and C and issued according to their respective values, and investments A, B, and C of investors A, B, and C are respectively It is a schematic diagram of an embodiment exchanged with the bonds A, B, C and provided to the applicants A, B, C as loans A, B, C. As such, to manage collateral, bonds, investments, and loans in a 1: 1 ratio, separate transactions are required for each transaction.

On the contrary, (b) of FIG. 5 shows that the value of collaterals A, B, and C are converted to the bonds through the present invention system, but the bond D having the equivalent value is not issued as the value of collateral A. It is a system to be issued in the quantity (n1) as the value of collateral A. In this system, the total value of bonds D issued is equal to the sum of collaterals A, B, and C (bonds D × (n1 + n2 + n3) = collateral A + collateral B + collateral C), and investors A, B, and C Rather than purchasing bonds A, B, and C of different values, but a quantity of bonds D of equivalent value (bonds D × (n1 + n2 + n3) = investment D × (n1 + n2 + n3)) Will be made. Of course, the applicant will receive loans A, B and C within the value range of each collateral A, B and C.

The system of the present invention may operate like the system (a) of FIG. 5 described above, but is more efficient when operated with the system of (b) of FIG. 5, and the specific collateral is valuable due to unforeseen reasons. Distribute the risk of being damaged.

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

(1) Funding component

The funding component is responsible for receiving funding information including funding applicant information, collateral information, and funding amount information.

For this purpose, the funding component may include personal information, credit information, and the location of the collateral (the guarantor personal information in the case of human security (guarantee)) of the fund applicant and the collateral provider (the same or different third party as the fund applicant). Provide a worksheet for entering the type of collateral, collateral, and amount of money applied. It can be configured to upload business plan, funding company's (business) promotional video, etc.

A person who intends to raise funds through the present invention system goes through a rigorous certification process, accesses the funding component, inputs each of the above-described information, and provides a personal information provision agreement and a credit inquiry agreement for valuation of the applicant's credit and collateral. And consent to the investigation agreement on the collateral.

(2) Collateral setting component

As shown in FIG. 3, the information on the applicant, the collateral information or the information on the security provider, the information on the amount of the funds, etc. obtained through the fund applicant terminal are shared by the security setting component.

Accordingly, the collateral setting component receives the credit evaluation result by providing the applicant information to the credit rating agency server, and provides the collateral information to the law firm server and the appraisal institution server for the collateral to qualify for the collateral. Receiving a valuation result, if there is no reason for disapproval in the credit evaluation result and the qualification result, setting a security right for the collateral, and issuing a bond corresponding to the application amount of the funds within the scope of the valuation result Play a role.

As mentioned above, the bonds can be separated in small amounts and include the concept of cryptocurrency (hereinafter the same).

The credit bureau server may provide credit information (income information, existing debt information, debt repayment information, etc.) of the fund applicant provided from the security setting component and a credit evaluation result based on the contents of the credit report based on the applicant's credit inquiry agreement. The result of setting the applicant's credit rating) to the collateral setting component.

The jurisdiction server of the country where the collateral is located examines the legal relationship such as ownership relations of the specified collateral and the details of the existing collateral settings, and evaluates the eligibility according to whether there is a legal defect as the collateral. Evaluate monetary value.

The collateral setting component obtains a credit evaluation result for the applicant for funding from the credit bureau server, a qualification evaluation result for the collateral from the country where the collateral is located, and a valuation result for the collateral from the server for the evaluation of the collateral, Receive and decide whether to approve funding and the amount of funding based on these evaluation results.

If there is a defect in the result of the credit evaluation or the eligibility evaluation (financing applicant's credit, excessive debt, setting the priority right in the collateral, etc.), the collateral setting component makes a disapproval decision and the reason for the disapproval through the fund application component. The applicant may be notified. Accordingly, the applicant may take steps to remedy any legal defects on his or her credit or collateral, and then enter the corrected information in the funding component for review of the grant.

If there is no disapproval reason in the credit evaluation result and the qualification test result, the security setting component sets a security right on the collateral, and issues a bond corresponding to the amount of the fund application within the scope of the valuation result. In other words, the result of the valuation is the upper limit of the financing fund. In addition, the security setting component does not immediately provide funds to the applicant, but issues the bond as much as the amount of the application for funding to commercialize the bond. Bonds issued through the collateral setting component reflect the actual value of the collateral (in kind), and can be either named bonds or bearer bonds, which are paid to investors by attaching a certain amount of dividends (interest) to the investment when bonds expire. .

The bond may be issued as an electronic document indicating face value, issue date, maturity date, certification number, and the like. The face value of the bond may be expressed in a key currency, and when the bond is issued in the form of a virtual currency, it may be expressed in a standard cryptocurrency such as Bitcoin or Ethereum. In addition, the later the bond maturity date, the higher the face value of the real investment can be set.

When the bond is issued in an electronic document, a unique identification means for each bond may be added.

On the other hand, the collateral setting component is in connection with the insurance company server in case of damage to the value of the collateral, such as natural disasters, war, terrorism, fire, etc., to insure damages for the collateral, and the applicant to pay the insurance fee You can also adopt a plan.

(3) Investor component

The investor component is responsible for receiving investment and providing bonds according to the investment amount. The investor component may be configured to be linked to a bank server as shown in FIG. 2 so that an investor may transfer the investment to a designated bank account.

In order to prevent the invention from being exploited as a money laundering means, the investor component may accept investor information and, if necessary, undergo real name authentication. In addition, the investor component can collectively set an upper cap.

In addition, when a bond is issued in electronic form, the recovery of the bond provided to the investor when the bond maturity date arrives can also be configured to proceed through the investor component. However, the procedure for recovering named and anonymous bonds may vary as follows.

In the case of named bonds, the transfer-acquisition of bonds is made through the process of registering with the bond register provided by the investor component. At the same time, the assignee's bond electronic documents are automatically discarded and the assignee's bond electronic documents can be newly issued. In addition, the investor component may be configured to automatically remit bond repayments to a bank account designated by the last registered creditor for the maturity bond.

In the case of bearer bonds, no separate procedure is required between the investor component and the assignor or assignee in the transfer-transfer process. However, it may be configured to endorse the bond electronic document by the assignor and the assignee's authorized certification method, and the endorsed person as the final creditor shall designate the bank account designated by the investor component through the identification number of the maturity bond electronic document and his own certification. Repayments can be made to

Specifically, when issuing the bond in the form of a block chain-based virtual currency, the creditor automatically uses the Samrt Contract function (for example, the smart contract function included in Ethereum) included in the virtual currency. Rights can be transferred and end holders can request repayment of bonds.

In addition, the investor component is configured to receive a multinational currency, not limited to the key currency, as a valid investment, but the repayment of bonds is to be made in the same currency as the investment, exchanged for the key currency indicated on the bond, or in the country designated by the investor. It can be configured to exchange currency for payment.

(4) funding components

The funding component is responsible for collecting investments exchanged with bonds in a P2P manner and providing the funds to the applicants as loans. The funding component may be configured in connection with a bank server to generate a loan account for each funding case and then provide a loan to the fund applicant. In addition, the funding component may pay the loan in the currency of the country designated by the applicant.

In addition, the funding component may be configured to monitor the loan account to check whether repayment of the loan is being made properly. If the loan is overdue, the credit reporting agency may be notified of the situation so that the applicant's credit rating is lowered.

As mentioned above, although this invention was demonstrated by the Example, this invention is not limited by this, Claim is given by the person of ordinary skill in the art to which this invention is based on the technical idea of this invention, and the following claim Of course, various modifications and variations are possible within the scope of equivalents.

Not applicable

Claims (11)

It is a system that enables the applicant of funds in the first country to receive the funds raised in the P2P method from the investors of the second country using the collateral of the third country.
A funding component for receiving funding information, including funding applicant information, collateral information, and funding amount information;
Provide the applicant information to the credit rating agency server to receive the credit evaluation result, and provide the collateral information to the law enforcement server and the evaluation agency server to receive the qualification result and the valuation result for the collateral; If there is no reason for disapproval in the credit evaluation result and the eligibility evaluation result, a security right shall be established for the collateral, and a unit bond having equal value to the bond corresponding to the amount of the fund application within the scope of the valuation result. A security setting component that issues in quantity as much as the value;
An investor component that receives investments and provides bonds according to the investment amount;
A funding component that collects investments exchanged for bonds and provides them as loans to the applicant;
The security setting component may share the disapproval reason with the fund application component when there is a disapproval reason in the credit evaluation result and the eligibility evaluation result.
And the funding component is configured to notify the applicant of the disapproval reason. 2.
delete In claim 1,
The security setting component is a P2P-based financing system using foreign collateral, characterized in that issuing the bond in the form of a block chain-based virtual currency.
In claim 1,
The security setting component is a P2P-based financing system using foreign collateral, characterized in that for issuing the bond as an electronic document with a unique identification means.
In claim 4,
The bond issued by the collateral setting component is a named bond,
The investor component provides an electronic registry for registering the owner change of the bond, and upon approval of the owner change registration with the electronic register, the assignee bond electronic document is discarded and the assignee's bond electronic document is newly issued. P2P funding system using foreign collateral, characterized in that.
In claim 5,
Wherein said investor component is configured to automatically remit a bond repayment to a bank account designated by the last registered creditor on said electronic register upon expiration of a named bond.
In claim 4,
The bond issued by the collateral setting component is an anonymous bond,
The bond electronic document is a P2P-based financing system using foreign collateral, characterized in that endorsed through the authorized certification of the assignor and the assignee during the transfer-transfer transaction.
In claim 7,
The investor component is a P2P-based financing system using foreign collateral, characterized in that the remittance of the bond repayment to the designated bank account through the authentication of the endorsed by the endorsement of the endorsement of the bearer bond and the identification of the unique identification means.
In claim 1,
The investor component accepts multinational currencies as valid investments,
Bond repayment is a P2P-based financing system using foreign collateral, characterized in that the payment is made in the same currency as the investment, the key currency indicated on the bond and the currency of the country designated by the investor.
In claim 1,
The funding component is a P2P-based financing system using foreign collateral, characterized in that configured to exchange the loan in the currency of the country designated by the applicant.
The method according to any one of claims 1 and 3 to 10,
The fund providing component is configured to provide a loan to the fund applicant after generating a loan account for each fund application case, and monitor the loan account to notify the credit rating agency of the situation when the loan payment is overdue. P2P financing system using overseas collateral.

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