Credit loan platform using atypical-data and its operating method

摘要

The platform server for performing mutual communication credit loan by communicating with the borrower electronic device and the investor electronic device includes: a communication unit communicating with the borrower electronic device and the investor electronic device; a user information management unit receiving user information from the vehicle owner's electronic device; a loan setting/management unit for receiving and managing loan contents set by the borrower from the borrower's electronic device, the loan contents including interest rates, limits, periods, and repayment methods; a loan basics review unit that examines the basic requirements for a loan based on the loan details set by the borrower's user government and the borrower; a credit information management unit receiving first credit information including atypical credit information from a user for a loan setting case that has passed the loan basic examination unit; a credit information collecting unit that collects second credit information from an external server based on the first credit information; a mutual communication type credit loan management unit for providing mutual communication type credit loans until the investment amount is achieved by providing the loan details set by the borrower and the first credit information and the second credit information to the investor; and a contract management unit that concludes a money consumption loan contract between the investor and the borrower after the investment amount is achieved, and terminates the money consumption loan contract when the investment principal and interest are repaid.