专利名称 | P2P loan service system of online personal bank to provide the cloud funding function from a number of investors | ||
申请号 | KR1020160063463 | 申请日 | |
公开(公告)号 | KR1020170132500A | 公开(公告)日 | |
申请(专利权)人 | LEE YEO SONG | 发明人 | LEE YEO SONG |
专利来源 | 国家知识产权局 | 转化方式 | |
摘要 |
The present invention relates to a P2P loan service system and method of an online personal bank providing a crowd funding function of investors. An online personal bank for providing a P2P loan service is created by using an application a PC, a smart phone, or a tablet PC. The online personal bank accumulates investment amounts of many investors on a fintech market. To perform a P2P loan service for a loan applicant, through journal PR, wet site marketing, and bog marketing, investment is attracted with making an investment contract through crowd funding from multiple investors having deposits/installment savings, stocks, real estates, and bonds. The online personal bank evaluates credits and loans on the basis of the investment amounts accumulated from investors. Then, the online personal bank or the investors directly determine the intension of providing a loan to a loan applicant, and transfer a loan amount after directly making a loan contract with the loan applicant. The information is managed by the online personal bank. Through the online personal bank, the investors receive interests according to the interest rate until a loan termination date with respect to the loan amount of the applicant, and receive the principals when a loan termination comes. In addition to a stock service of reselling the same by using invested stocks, a capital guarantee insurance service for guaranteeing the principals of the investors during crowd funding of the investors is provided to the online personal bank after permission from an insurance institute. A P2P loan service can be provided from a personal to an enterprise, from an enterprise to a personal, or from a personal to another personal, and thus incomes of an online personal bank can be created.(AA) Loan applicant8(BB) Registration(CC) Loan(DD) neobank financialrelay platform(EE) PR(FF) Interest paid(GG) Investor(HH) Service of loan from a personal to a personal, from an enterprise to a person, and from a person to an enterpriseCOPYRIGHT KIPO 2017 |
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