ON-DEMAND P2P LOAN FINANCIAL SERVICE METHOD USING PREEMPTIVE CROWD FUNDING AND DEVICE THEREFOR

摘要

According to an on-demand P2P loan financial service method using preemptive crowd funding, a financial technology service device can calculate the amount of funds that can be provided by receiving investment intention information on a specific investment object from a plurality of first information terminals. The financial technology service device can transmit loan offer information including the calculated amount of funds to a second information terminal for delivering to the corresponding investment object. The financial technology service device can receive loan application information of the investment object generated based on the loan offer information from the second information terminal. The financial technology service device can open an investment product to create funds based on the loan offer information and the loan application information, can conduct investment promotion for the first information terminal, can execute a P2P loan of deposited investment money, and can process data and electronic signals for a P2P loan financial service paying interest and investment profits based on the P2P loan. According to the present invention, even if the investment object does not plan to borrow money now, if the investment object is willing to borrow money in the future, it is possible to preemptively propose a loan of funds to the investment object by preemptively recruiting a plurality of investors who are willing to invest funds in the investment object.;COPYRIGHT KIPO 2018