METHOD AND APPARATUS FOR PEER TO PEER BANKING USING BIG DATA ANALYSIS

摘要

Disclosed are a method and apparatus for Peer to Peer (P2P) banking using a personal credit assessment computed through big data analysis. The method for P2P banking, which is performed by a computing device adapted to analyze big data in order to generate a credit assessment based on big data analysis, comprises the steps of: collecting big data, including unstructured data or irregular data, from an account of a social network service of a lendee in response to a request of the lendee for a credit assessment or a loan; generating structured data in the form of a database by storing part of the big data, corresponding to a preset item, in a corresponding entity of a preset class; analyzing the structured data; assessing credit of the lendee based on user-related data on the lendee, including a result of the analysis of the structured data; and outputting a result of the assessment of the credit in a predetermined format so that the result of the assessment can be provided to the lendee or at least one lender.;COPYRIGHT KIPO 2016