KR20100031889A - Investment relay platform system for small-time direct investment - Google Patents

Abstract

The present invention relates to an investment brokerage platform system for a small amount of direct investment, the investor terminal 20 used by a plurality of investor members and the investor terminal 30 used by a plurality of investor members through a network capable of bidirectional data communication. As an investment intermediary platform technology comprising an accessible investment platform server 10, the server 10 comprises: basic information relating to each investment attractor input from the investment attractor terminal 30 and at least one desired by each investment attractor. Process the investment item information, generate as investment attraction information, and make a database to store the investment item information; Providing the stored information by matching the investment condition information input from the investor terminal 20; It may be configured to provide a service for transferring the investment from the designated investor account 71, 72, 73 for the selected investment item to the investment pool account 80 associated with the investment item information. As a result, companies that need funding can provide investment-related information and process it as transparent, objective, and reliable information and open it to the general investor who wants to make a small direct investment, making it easy for companies to receive investment and not be experts. It also provides the effect that the public can easily invest.

Description

Investment Relay Platform System for Small-Time Direct Investment}

The present invention relates to a technology for brokering a small investor directly investing in a company online, and more specifically, when companies that need funds provide relevant information, process it through inspection and evaluation, etc. By storing information that is transparent, objective and reliable, such as investment grade, and matching it to the investment conditions that small investors desire, small businesses can easily receive investments, and non-professional public can easily invest directly in small amounts. An investment brokering platform system for new small direct investments that has been made possible.

Conventionally, as a method of attracting investment, a method of issuing securities or bonds is well known. However, small and medium-sized companies and venture companies are difficult to use this method of public offering, so it is common for most banks to obtain high interest rates from banks or to mobilize personal connections to attract investment. It is difficult for small and medium-sized companies to issue securities and bonds, because there are few channels for investors to disclose information important to their investment decisions, such as their own financial information.

The average investor prefers a 'fund' form of investment, which entails investing directly in stocks or bonds, as there is no specialized means to analyze or acquire corporate financial information. A fund is an investment method in which an asset management company invests and manages funds collected from investors, and then returns the results. In other words, rather than investing stocks or bonds directly, investors choose a professional asset management company, which is based on fund funds collected from multiple investors rather than individual funds. Therefore, the investor does not need to invest much money and can invest in a small amount, and the investment is provided by an expert (fund manager) instead of direct management.

On-line systems, such as the Internet web system, which are being developed in recent years, have the advantage that a small amount of money can be quickly and easily recruited from a large number of individuals compared to offline. Accordingly, in the past, a fund is formed in the form of a cyber money that can directly convert cash in the form of money derived from a very small amount of transactions such as points and miles due to payment by credit card, etc., to act as an agent. Business models are also being proposed. For example, Korean Patent Registration No. 10-0358487 "Fundback System" is proposed a technology that transfers the points earned for each user to the fund company, the fund company acts on behalf of the re-tech, and then transfer the profit to the user, Korean Patent Laid-Open Publication No. 2002-0094402 "An investment agent system and method using points" proposes a technology for handling investment using points to correspond to when the subscriber selects an investment type.

However, since these funds are still associated with investments in the form of stocks or bonds, the investment system through these funds is a form of investment that is unrelated to SMEs and venture companies that cannot issue stocks or bonds but still need funds. have. This is due to the fundamental problem of an unbalanced distribution of investment information that the company's investment-related information and the work of analyzing and evaluating that investment-related information is concentrated in only a few specialized areas and not open to the general public.

Therefore, if information on SMEs and venture firms is provided with reliable evaluation, and general investors can invest in a small amount without burden, it can be advantageous for both companies and general investors because small amount of direct investment can be activated.

The present invention has been invented in order to ameliorate the problems present in the above-described conventional online investment system and to provide various additional advantages. Specifically, the present invention provides an investment platform system to attract investment through this investment platform. By making information transparent, adding objective and credible evaluation information to the public information, and making it possible to invest in small amounts while allowing ordinary investors to search conveniently and easily to select the desired company or type of investment. Not only relying on personal connections or bank loans, but also sound companies that need money, such as small and medium-sized businesses and venture companies, can easily attract and attract investment from general investors, further eliminating the imbalance in investment information. As a result, sharing useful investment information Was invented on the basis of the insight of the inventors think you to provide a.

The present invention recruits, for example, an investor member such as an individual or a financial institution and an investment attractor member such as a small and medium-sized business or venture company, and allows the investment attractor member to input information related to the company and the investment item, and to verify, analyze and evaluate It is a transparent, objective, and credible data as a basic data for investor members to directly invest in corporations by making a database with information, and allowing investor members to search by matching the desired investment conditions. Its purpose is to provide an online investment platform that can provide investment related information.

In addition, the present invention is not a general investor investing a large amount of money, but rather a small investment from many investors to form one investment pool corresponding to one investment item, and then using the investment funds collected in this investment pool By investing in stocks, the objective is to provide an online micro-direct investment system that allows ordinary investors to directly invest in micro-investments.

In addition, the present invention is not limited to cash, for example, a small amount of points earned by the use of credit cards, mileage credits for the purchase of goods in online shopping malls, such as non-cash, but can be used as cash or converted into cash means for investment By converting into cyber money and using the cyber money to participate in the investment process, the purpose is to ensure that the unused and dead points or miles can be used for investment by individuals as well as companies.

In addition, the present invention allows the general investor to monitor the process of the investment attracter to determine the additional investment, so that the investment execution process can be transparently disclosed and objectively evaluated and then fed back as investment related information. Has the purpose of providing an online investment platform.

This object is achieved by an investment mediation platform system for small direct investment provided in accordance with the present invention.

In accordance with an aspect of the present invention, an investment intermediation platform system for a small amount of direct investment may be connected to an investor terminal used by a plurality of investor members and an investor terminal used by a plurality of investor members through a network capable of bidirectional data communication. An investment brokering platform system for a small direct investment comprising an investment platform server, the investment platform server comprising: basic information relating to each investment attractor input from the plurality of investment attractor terminals and at least one desired by each investment attractor; Process the investment item information, generate as investment attraction information, and make a database to store the investment item information; Matching the stored investment invitation information with investment condition information input from the investor terminal to provide a list of recommended items and detailed item information to the investor terminal; And provide a service for transferring the investment from the investor account designated by the investor terminal to the investment pool account 80 associated with the investor information for the investment item selected by the investor terminal according to the investment condition information. have.

In one embodiment of the present invention, the investment may include cashable points, mileage, or cyber money that is brokered by a point provider server or a financial institution server connected to the investment platform server and currently exists in the investor account. .

In another embodiment of the present invention, the investment fund transferred to the investment pool account may include a future cyber money promised to be transferred to the investor account by the investor terminal in the future designated by the investment platform server. .

In another embodiment of the present invention, the investment platform server provides the investment attractor terminal to withdraw the investment transferred to the investment pool account to the investment attractor account at least once, and from the investment attractor terminal After receiving the operation report including the operation details in the withdrawn investment fund and providing it to the investor terminal, and receiving the evaluation of the operation report from the investor terminal, the investor terminal permits to withdraw the additional investment according to the evaluation. It can be configured to approve or reject.

In another embodiment of the present invention, the investment platform server monitors the real-time cumulative amount of the investment transferred to the investment pool account, and determines whether the cumulative amount satisfies the investment start condition determined according to the investment item information And if the investment initiation condition is not satisfied, the investment funds transferred to the investment pool account are transferred back to the original investor account, and only if the investment initiation condition is satisfied; It can be configured to provide for the withdrawal of the funds transferred to the account to be withdrawn into the investment bidder account.

In still another embodiment of the present invention, when the investment platform server generates the investment attraction information, basic information related to each investment attractor input from the plurality of investment attractor terminals and at least one desired by each investment attractor. The evaluation result of the investment item information of may be generated and included as investment grade information which is divided into a plurality of predetermined steps.

In still another embodiment of the present invention, when the investment platform server generates the investment attraction information, feedback on an investment process that has been conducted previously and previously for each investment attractor inputted from the plurality of investment attractor terminals. It can be generated by including information.

In another embodiment of the present invention, the investment attraction information generated by the investment platform server is provided to an external investment information sharing server or investor member connected to the investment platform server, the investment information sharing server or investor member If the desired keyword is set in advance, the investment platform server may select investment attraction information corresponding to the set keyword, and transmit the selected investment invitation information to the investment information sharing server or send it to an investor member through an email or an SMS text message.

In another embodiment of the present invention, the investment attraction information generated by the investment platform server may be provided to be used as loan information by an external financial institution server connected to the investment platform server.

In still another embodiment of the present invention, the investment platform server may display the matched list of recommended items and detailed item information in an investor member dedicated page according to the member information provided by the investor terminal or according to the member information. It can be configured to provide to the investor terminal, through a mailing service to the email address of.

In another embodiment of the present invention, the investment item may be applied to a property project, such as a business project that is being carried out or is to be performed by the investor who proposed the investment item, an enterprise or individual who is the investor, and a bond, object or intellectual property right. It may include at least one of related matters.

In another embodiment of the present invention, the investment attraction information includes a business description report (IR data) provided by the investment attractor member for the included investment item, or an expert recommendation opinion or investor for the investment item. It may include a member's comments or ranking information that is ranked according to popular votes of experts and investors.

In another embodiment of the present invention, the investment pool account is a virtual account related to the linked investment items, and may be protected by an escrow service managed by a third party.

In another embodiment of the present invention, the investment attractor member and the investor member may be divided into a plurality of grades, each of which may be granted differential rights.

In another embodiment of the present invention, the investor member's grade is a general member grade having the authority to act only as an investor, and the investor can actively recruit an investor member for an investment item selected by the investor. It may include a leader member level having the authority supported by the platform server.

In still another embodiment of the present invention, the investment attractor members may restrict the disclosure of at least some of the information provided to the investor members of the leader membership level.

In another embodiment of the present invention, the investment platform server presents the conditions of the investor member desired by the investment attractor member to each of the investment attractor members and searches for and retrieves an investor member using the conditions of the investor member. Investor members can select the desired investor member and provide a means to conduct investment consultations with the selected investor member.

In another embodiment of the present invention, the investment platform server may provide each investor member with a means for advertising by displaying at least one investment attraction information selected by the investor member on a website.

In another embodiment of the present invention, the investment platform server may provide a blog system to post and advertise at least one investment attraction information selected by the investor member to each investor member.

In another embodiment of the present invention, the content of each of the investor members posted and advertised investment attraction information may include a certification mark hyperlinked to a web page containing the investment attraction information.

According to the investment intermediation platform system for small-scale direct investment according to the present invention having the above-described configuration, companies that need funds provide investment-related information, and process the investment-related information as transparent, objective and reliable information to make small-scale direct investment. By opening the market to general investors who want to invest in it, the company can easily receive investment, and it is possible to make it easier for non-professional people to invest.

Hereinafter, with reference to the accompanying drawings illustrating the present invention with a specific example as follows.

1 and 2 is a schematic view showing the overall configuration of the investment intermediation platform system for small-scale direct investment according to an embodiment of the present invention, Figures 3 and 4 are for a small direct investment according to an embodiment of the present invention A schematic flowchart for explaining the process of the investment mediation platform method, Figure 5 is a schematic diagram for explaining the movement of the investment funds in accordance with an embodiment of the present invention.

An investment intermediation platform system for micro direct investment provided in accordance with an aspect of the present invention is a system that discloses transparent, objective and reliable investment information for direct investment between an investor and an investor (investor). Furthermore, the system provides a multi-link micro direct investment system that can combine multiple investors and multiple investors.

The system of the present invention illustrated in FIG. 1 basically includes an investment platform server 10, an investor terminal 20, and an investor terminal 30 connected to each other via a communication network, and additionally, a point provider server 40. And the financial institution server 50 and the investment information sharing server 60 may be connected.

The system of the present invention can be connected to the investor terminal 20 used by a plurality of investor members and the investor terminal 30 used by a plurality of investor members through a network capable of wired / wireless two-way data communication such as the web of the Internet. It may be operated by the platform server 10.

The investment platform server 10 may include, for example, a web server that recruits and subscribes members through a website, inputs and stores member information and investment information, provides a search service, and transfers investments. Can be.

The investor terminal 20 and the investor terminal 30 are different only in that they are used by the investor member and the investor member. Similarly, the investor terminal 20 and the investor terminal 30 can access and input information on the investment platform server 10 on the web. It may be a computer system having an input / output device, such as a notebook computer, a desktop computer, a mobile communication terminal having a wireless Internet access function, or a dedicated terminal device. In other words, the investor terminal 20 and the investor terminal 30 as used in the present invention are communication equipment capable of accessing the server 10 through a bidirectional data communication network such as a web, a display device, an input device, and an information processing function. The system having the back light may be used regardless of its size, portability, or the like, and therefore it is not particularly limited.

In the following, the matters described as the interaction between the investor or investor member and the investment platform server 10 are actually connected to the investor terminal 20 and the investor terminal 30 connected to each other via a two-way data communication network such as the web of the Internet, for example. And the exchange of information between the investment platform server 10, the information exchange technology is obvious to those skilled in the art.

In this way, you can enter and search information online, such as wired or wireless Internet, provide it on a web page, send it via e-mail, send a short text message (SMS) to a mobile terminal, trade or transfer cash or cyber money. Since the technique and the like are well known in the art, detailed descriptions are omitted for simplicity unless they are closely related to the features of the present invention.

Figure 2 schematically illustrates a specific functional configuration of the investment platform server 10 of the system of the present invention. With reference to the illustrated configuration, which is merely illustrative of one non-limiting and possible embodiment, the investment platform server 10 includes an investment attractor module 11 for interacting with an investment attractor member, an interaction with an investor member. Investor module (12), investment module (13) for controlling the investment process, information processing module (14) for collecting, evaluating and managing investment information, matching for searching and matching investment items that match the investors' requirements It may include a process module 15, and an external DB interworking module 16 for sharing information with the outside.

The investment attractor module 11 registers an investment attractor member and receives basic information related to each investment attractor from the investment attractor member and at least one investment item information desired by each investment attractor and inputs the information into the information processing module 14. And process the data in the basic information database (DB) 111 and the investment information DB 112. The basic information DB 111 may include an investment attractor, that is, asset information, manpower information, business model information, and the like. The investment information DB 112 may store information on investment items input by the investment attractor terminal 30 and investment attraction information generated by processing and evaluating them. Thereafter, an operation report submitted while the investment is executed for a specific investment item may be received and stored in the operation report DB 113, and after the investment is completed, the result report may be received and stored in the result report DB 114. All the completed and completed history can be controlled to be stored in the investment history DB (115).

The investor module 12 may register an investor member and receive basic information related to each investor from the investor member and store it in the member information DB 123. The member information DB 121 may include personal information of the investor. The investment condition DB 122 may store information on investment conditions input by the investor terminal 20, and the investment DB DB 121 may include information about funds that may be cash or cyber money used by the investor member for investment. Is stored.

The investment module 13 manages the investment process for a specific investment item by the investor. The investment may be cash or cyber money. In the present invention, the cyber money includes all points, smart money, mileage and the like that can be generated and cashed offline or online. For example, the credit card company may convert a point for paying a certain percentage of the payment amount to the card user according to the usage history of the credit card. Cyber money related information such as points may be stored in the point management DB (131). Investment conditions and investment item-related information including investments or investment-related periods may be managed in the investment history DB 132, and operations of initiating, canceling or completing investment may be managed in the investment contract management DB 133. . When the investment is terminated or the investment is completed, the settlement process may be managed by the investment settlement DB 134, and the management and control of the operation report or the result report may be managed by the investment process management DB 135 during the transmission process.

The information processing module 14 evaluates the investment related information and the company-related basic information provided by the investor, evaluates the investment process and the history in order to ensure the transparency and objectivity of the investment process, and evaluates the evaluated results, for example, A, Evaluation ratings expressed as distinct ratings such as B and C can be provided (141 to 144). According to the present invention, the information provided by the investor is not directly transmitted to the investor, but the processing information evaluated by the information processing module 14 of the investment platform server 10 is transmitted. Such processed information is aimed at transparency and objectivity of the investment information, which provides an advantage that general investors can obtain reliable investment information.

Meanwhile, the matching process module 15 matches the investment attraction information generated and processed by the information processing module 14 with the investment condition information input by the investor to display the recommended item list and detailed item information on each investment item. Provided to the terminal (151, 152).

The investor can then select a specific investment. When an investment item is selected, the investment module 13 transfers the investment from the investor's investor account 71, 72, 73 (see FIG. 5) to the investment pool account 80 associated with the investment item information, and the like. An investment related process can be initiated. The investment execution consists of the transfer of investment funds from the investment pool account 80 to the investment attractor account 90. The investment attractor may freely cash out and use the amount transferred to the investment attractor account 90.

In one embodiment of the present invention, the investment used by the investor may be cash, but it does not have to be cash until the investor is executed for direct investment. Therefore, investment funds can be used for all types of cyber money that can be cashed, such as points generated according to the credit card usage amount online or offline, points generated based on the purchase amount of goods in offline or online shopping malls, mileage, smart money, cyber money, etc. In the present specification, for convenience of description, these forms except for cash are referred to collectively as 'cyber money'. This cyber money can be brokered by, for example, a point provider server 40 or a financial institution server 50 connected to the investment platform server 10 and then cashed.

The investment may be cash or cyber money present in the current investor account 71, 72, 73 where the investment is initiated. Alternatively, the investment transferred to the investment pool account 80 at the start of the investment may be a futures concept, that is, what is expected to be obtained in the future, rather than the cash or cyber money currently present. That is, it may be a future cyber money promised to be transferred to the investor account 71, 72, 73 by the investor terminal 20 in the future designated by the investment platform server 10. In this case, a contract related to futures trading of cyber money may be concluded between the investment platform server 10 and the investor.

3 and 4 are schematic flowcharts illustrating the process of the investment intermediation platform method for small direct investment according to an embodiment of the present invention. In the system of the present invention, a person who wants to attract an investment, such as a small business or a venture company, may register as an investment attractor member (110). When registering as an investment attractor, basic information about the investment attractor is entered, an investment attractor account is opened, and detailed information about the investment item to be attracted is input (1101).

The basic and item information of the investment attractor thus input is processed in the information processing process 140 and generated as investment attraction information. In the information processing process 140, for example, the investment item information is evaluated according to the evaluation criteria of the investment platform system itself (1401), an external expert is evaluated (1402), and if necessary, the actual visit to the workplace of the enterprise is evaluated. Due diligence visit 1403 can also be performed. Along with each of the evaluation information, the investment grader and investment items may be set to the investment grade that can indicate whether the investment is eligible or the investment risk (1404).

Furthermore, for investment items included in this investment attraction information, it may include a business description report (IR data) provided by the investment attractor member. As such, the investment attraction information according to the present invention includes the investment briefing report data that the investor actively explains his or her business, and anyone can freely search and view the investment explanation report data of the companies related to the desired item. The advantage is that there can be a venue for an investment presentation.

In addition, the investment attraction information may include a comment of an expert or a comment of an investor member on an investment item to be included. This means that the information on attracting investments may not only include subjective explanations by the investor, but also include the opinions of an objective third party expert and comments from ordinary investors who have experience or are interested in investing in the investment. do. Accordingly, the advantage of generating more three-dimensional and reliable investment attraction information can be provided.

In addition, according to the present invention, a 'ranking system' may be applied to investment items included in each investment attraction information. That is, for each investment item, experts and investor members can not only express their opinions, but can also be ranked by the type of popular vote, and the ranking of the ranking according to this type of voting. This 'ranking system' does not directly guarantee a return on a particular investment, but it can provide a holistic view of the overall investment environment and further induce interest between investor and attractee members. Advantages can be provided.

The processed investment attraction information may then be combined with feedback information and used in the information sharing process 160 to be shared with an external investment information sharing DB. The feedback information may consist of all investment history and valuation information for the current and previous investment process for each investment item and / or for each investment attractor. For example, the investment attraction information shared to the outside may be used as loan information by an external financial institution server 50 connected to the investment platform server 10.

According to the system of the present invention, by generating and storing reliable and transparent investment attraction information, the investment attractor can easily find the investor and at the same time, the investor can easily find the desired attractor.

The investment destination wanting the investment attraction information may be a general investor member, or may be an external investment information sharing server 60 connected to the investment platform server 10. The investment information sharing server 60 may be a system of a public institution supporting the start-up. Using the system of the present invention, an investor who is looking for a company to invest in, namely, an investment information sharing server 60 or an investor member, actively invests under the condition of 'item: education, start-up: 3 years, less than 10 people'. By searching for information, you can find the person you are looking for.

In this way, the process of finding investors attracts more automation. That is, the investor member or the investment information sharing server 60 may set a desired keyword (for example, 'item: education, start-up: 3 years, less than 10 persons'). In this case, the investment platform server 10 may select corresponding investment attraction information from previously stored or newly generated investment invitation information corresponding to the set keyword. Selected investment attraction information may be transmitted from the investment platform server 10 to the investment information sharing server 60 or sent to the investor member via email or SMS text message.

In the system of the present invention, a general investor, who may be an individual, for example, may join as an investor member (120). When registering as an investor member, basic information about the investor, that is, member information including personal information is input, and an investor account is opened (1201). Each investor member is provided with a personal web page (1202). Of course, each investor member may have a dedicated page.

Investor members may generally be individuals who wish to invest directly. However, the present invention need not be limited to only this type of investor member. Companies or organizations that specialize in investment, such as financial institutions or investment firms, may also act as investor members in the system according to the invention. Therefore, although the following assumes an investor member as a general individual, the investor member of the present system should be understood as a broad concept that encompasses all kinds of individuals and organizations that want to invest directly in equity.

Investor members must select specific investments for investment. The matching process 150 goes through the selection process. In matching process 150, an investor member may enter a desired investment condition (1501) and perform a search (1502). Accordingly, when a matched investment item is searched for, a list of recommended items is listed (1503), and detailed item information on the investment item selected by the investor member may be read (1504). Through this process, the investor member can decide to invest in a specific investment item.

Thereafter, the investment process 130 for the determined investment item proceeds, which is shown in more detail in FIG. 4. After the matching process 150, when the investor selects a particular investment item and decides to invest (1301), an investment contract is concluded between the investor and the investor who submitted the item (1302).

When the investment contract is concluded, the contracted investment amount is transferred from the investor account 71, 72, 73 opened to the investor member to the investment pool account 80 opened for the investment item. In the investment pool account, a small amount of investment may be transferred and accumulated from the investor account of a plurality of investor members who have decided to invest in the investment item. The accumulated investment may then be transferred and executed from the investment pool account 80 to the investment attractor account 90.

In the present invention, the investment platform server 10 may provide for the investment attractor to withdraw the investment from the investment pool account 80 to the investment attractor account 90 at least once. In other words, when the investment from the investment pool account 80 is invested by the attractor at one time, the investment execution is completed by one transfer. Further, when the investment from the investment pool account 80 is divided and invested by the attractor over a period of time, the investment execution 1308 may be carried out by splitting and transferring a plurality of times.

Meanwhile, before the investment is executed 1308, the investment platform server 10 monitors a real-time accumulation amount of the investment transferred to the investment pool account 80, and sets the investment initiation condition in which the accumulation amount is determined according to the investment item information. It is determined whether or not it is satisfied (1304). As a result, if certain conditions, such as To, have passed after a period of investment and the cumulative investment is not 30% of the total investment, are not met (YES of 1305), the contract is terminated (1306). The investment transferred to the investment pool account 80 is then transferred back to the original investor account 71, 72, 73 (1307). That is, the investment attractor withdraws the investment transferred to the investment pool account 80 to the investment attractor account 90 only when the investment start condition is satisfied, that is, the investment is executed 1308.

In this case, the investment pool account 80 may be a virtual account that is automatically generated one for each investment item. The investment pool account 80, which is a virtual account, is a fund, or pool, in which investments deposited from accounts of multiple investor members gather. Unlike the direct transfer of funds from an investor to an investor, by setting up this fictitious intermediate investment pool account 80, an arrangement is made in which the execution of the investment can be made more transparent and secure. That is, the withdrawal process of the amount from the investment pool account 80 may be managed by a third party such as the investment platform server 10 or other external manager, not the investor and the attractor. Such services providing protection by third parties are commonly known by the name 'escrow'.

In general, "escrow" means that a neutral third party or agency, on behalf of both agents, keeps the deposit or guarantee relating to the sale or any property and documents associated with it until the end of the contract terms. According to the present invention, the investment pool account 80 may mean a virtual account between the investor and the investor who keeps the investment for a period until the investment is actually executed after the investment contract.

In particular, in order to secure transparency of the investment process, the investment platform server 10 receives an operation report including an operation history in the withdrawn investment from the investor (1309) and provides the investor with an evaluation of the operation report. (1310). Thereafter, according to the evaluation, the investment attractor terminal 30 may approve or reject the additional investment withdrawal permission (1311). Thereafter, if the investment is rejected (NO), the contract can be terminated (1312) and the settlement procedure (1313) can be performed.

If it is determined in step 1311 that the investment is to continue thereafter (YES), it is determined whether the investment completion condition is satisfied (1314). Investment completion conditions include whether the total investment investments have been executed or whether the contracted investment period has passed. If the investment is attracted but not executed, or if the investment period has not yet passed (NO), the step 1311 of determining whether to continue the investment may be repeated from the investment execution step 1308. If the investment completion condition is satisfied (YES), the investment bidder evaluates the profit and loss of the investment execution result (1315), and generates it as a result report and transmits it to the investment platform server 10 (1316). The investment platform server 10 may terminate the investment process for the corresponding investment item by causing the investment attractor to transfer the profit and divide the income to investors 1317 as shown in the result report.

In the present system, the types of investments offered by the investor and selected by the investor need not be particularly limited. The investment item may be, for example, in a form that includes at least a part of a business project undertaken or to be carried out by the investor who proposed the investment item, or may be an investment item of an enterprise or an individual who is the investor. Or intellectual property, such as an object or a patent.

In yet another embodiment of the present invention, members using the system, i.e., investment attractor members and investor members, may be divided into a plurality of classes and may be granted differential rights, respectively. Members may be called by various names such as general members, special members, active members, temporary members, free members, paid members, etc. In the present invention, the name of the member is irrelevant, but only the feature that the authority is different depending on the grade. The level of authority will relate to the degree of access to information and the extent of investment activity. Membership level can be determined and given based on the history and will of each member and historical data using the system.

In particular, according to the present invention, an investor member may be classified into a general member and a 'leader member'. The general member has the authority to act only as an investor, while the leader member has the authority to be supported by the investment platform server 10 so as to be able to actively recruit investor members for the investment item selected by the investor. Leader members are generally members who specialize in investment and have special skills and expertise in the field of investment. These leader members can act as intermediaries between investors and attractees themselves, and the system utilizes these professional individual investors, especially as 'leader members'.

In this system, the activities of the leader members are briefly described as follows. The leader member may select a promising investment item using the matching process 150. Thereafter, the leader member does not merely passively observe the investment process 130 for the investment item, but actively engages in attracting investors through advertisements or encouragement e-mails to other general investors. Can be. This leadership member's activity not only saves investors the opportunity to find promising investments, but also provides the ability to attract investors more easily.

Therefore, it may be advantageous for an investor to engage in intensive attracting activities such as providing more detailed investment information or conducting business presentations. In order to support this particular interest of the investor, the system may provide the investor member with at least some of the information they provide to restrict disclosure to the investor member of the leader membership class. This can be done by providing for determining whether or not to disclose at least some items such as basic information on investment attractor, investment report (IR) information, and investment item information.

In the above, the method of selecting an investment item that suits the taste of the investor member has been described. Alternatively or additionally, in another embodiment of the present invention, it is possible to select an investor suitable for the interest of the investor. This may be done in such a way that in the matching process 150 the search subject is the investor and the search subject is the investor member information. Accordingly, the investment attractor presents the conditions of the desired investor member within the matching process 150 provided by the investment platform server 10, searches for the investor member using the conditions of the investor member, and among the searched investor members. You can select the investor members you want. The investor may then send an investment invitation letter to the selected investor member via e-mail or conduct an investment consultation on the web, for example, by chatting.

In the system of the present invention, each investor member is also supported to advertise widely, for example on the web, for investment items he or she is investing or who do not invest but consider to be promising. To this end, the investment platform server 10 may provide each investor member with a means to advertise at least one investment attraction information selected by the investor member on a website. Such means may be a system that assists in the inclusion of an investor member's personal blog site, and / or a free bulletin on a portal site, for example. In addition, investor members may be supported to send investment information to acquaintances via email. The personal blog site may be provided by the investment platform server 10 to each member. When an investor is attracted according to such members' own advertising, certain rewards can be given, for example, cyber money that can be used as an investment in the system.

The investment items or investment attraction-related information advertised by the investor members are transmitted through the web or email, and thus include a certification mark hyperlinked to a web page containing the corresponding investment attraction information provided by the investment platform server 10. Can be. The certification mark is a kind of icon, and may be configured to include text and / or images including investment information and simple information related to the investment item by the system.

As described above, the investment platform system of the present invention is characterized by a system that helps a general investor to safely perform direct investment in a small amount based on reliable investment information. To this end, the system carefully evaluates the investment-related information submitted by the company, presents the evaluation results to general investors for easy understanding, and transparently discloses the operation status of the investment process and ensures that it is properly evaluated. The advantage is that an open market for investment information and an open market for attracting investments can be established to reduce the cost and maximize profits.

In addition, by making cyber money such as points and mileages, you can invest in small amounts, not only for investors who want to make a profit, but also for ordinary investors to gain experience for investment research or study prior to earning investment. The advantage is that it is possible to establish a culture in which small points that are simply discarded can be donated to SMEs or venture companies that carry out public utilities.

Although the present invention has been described through specific embodiments, various modifications are possible to those skilled in the art by referring to and combining various features described herein. Therefore, it should be pointed out that the scope of the present invention should not be limited to the described embodiments, but should be interpreted by the appended claims.

As described above, the investment mediation platform system and method for micro direct investment according to the present invention is widely available in the field of brokering investments, including the field of money transfer and information processing.

1 is a schematic diagram showing the overall configuration of an investment intermediation platform system for small-scale direct investment according to an embodiment of the present invention.

Figure 2 is a schematic diagram showing in another way the overall configuration of the investment intermediation platform system for small-scale direct investment according to an embodiment of the present invention.

3 and 4 are schematic flowcharts for explaining the process of the investment mediation platform method for micro direct investment according to an embodiment of the present invention.

5 is a schematic diagram illustrating the movement of investment funds in accordance with an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

10: investment platform server

20: Investor Terminal

30: investment attractor terminal

Claims (20)

For small-scale direct investment including an investment platform server 10 used by a plurality of investor members and an investment platform terminal 10 used by a plurality of investor members through a network capable of two-way data communication. As an investment mediation platform system, the investment platform server 10 is: Processing basic information related to each investment attractor inputted from the plurality of investment attractor terminals 30 and at least one investment item information desired by each investment attractor to generate and store database information as investment invitation information; Matching the stored investment invitation information with investment condition information input from the investor terminal 20 to provide the investor terminal 20 with a recommendation item list and detailed item information; Investment pool account associated with the investment item information from the investor account (71, 72, 73) designated by the investor terminal 20 according to the investment condition information for the investment item selected by the investor terminal 20 ( 80) to provide services for transferring An investment intermediary platform system, for small direct investment. The method of claim 1, wherein the investment is brokered by the point provider server 40 or the financial institution server 50 connected to the investment platform server 10, the cash presently present in the investor account (71, 72, 73) An investment brokering platform system for micro direct investment, comprising possible points, miles, or cyber money. The investment funds transferred to the investment pool account 80 are transferred to the investor account 71, 72, 73 by the investor terminal 20 in the future designated by the investment platform server 10. An investment brokering platform system for micro-direct investment, comprising futures cyber money promised to be. The investment platform server 10 of claim 1, wherein the investment attractor terminal 30 provides the withdrawal of the investment transferred to the investment pool account 80 to the investment attractor account 90 at least once. Receiving an operation report including an operation history in the withdrawn investment from the investment attractor terminal 30 to provide to the investor terminal 20, and also received the evaluation of the operation report from the investor terminal 20 Afterwards, characterized in that configured to approve or deny the withdrawal permission of the investment attractor terminal (30) according to this evaluation. The method according to claim 4, wherein the investment platform server 10 monitors the real-time cumulative amount of investment funds transferred to the investment pool account 80, and whether or not the cumulative amount satisfies the investment start conditions determined according to the investment item information And if the investment initiation condition is not satisfied, the investment money transferred to the investment pool account 80 is transferred back to the original investor account (71, 72, 73), and the investment initiation condition is satisfied. Only if the investment attractor terminal 30 is configured to provide to withdraw investment funds transferred to the investment pool account 80 to the investment attractor account 90, investment broker platform for small direct investment system. The method according to claim 1, wherein when the investment platform server 10 generates the investment attraction information, basic information related to each investment attractor inputted from the plurality of investment attractor terminals 30 and at least desired by each investment attractor. An investment intermediation platform system for micro direct investment, characterized in that to generate and include the result of evaluating one investment item information as investment grade information divided into a plurality of predetermined stages. The method according to claim 6, wherein when the investment platform server 10 generates the investment attraction information, the investment process that has been carried out previously and for each investment attractor inputted from the plurality of investment attractor terminals 30 is performed. An investment intermediation platform system for micro direct investment, characterized in that the generated by including the feedback information. The method of claim 1, wherein the investment attraction information generated by the investment platform server 10 is provided to an external investment information sharing server 60 or an investor member connected to the investment platform server 10, the investment information sharing server 60 or if the investor member sets a desired keyword in advance, the investment platform server 10 selects investment attraction information corresponding to the set keyword and transmits it to the investment information sharing server 60 or emails the investor member. Or via SMS text message, investment broker platform system for direct investment. The method of claim 1, wherein the investment attraction information generated by the investment platform server 10 is provided to be used as loan information by an external financial institution server 50 connected to the investment platform server 10. Investment brokerage platform system for small direct investments. The method according to claim 1, wherein the investment platform server 10 is the investor according to the member information or in the investor member-only page according to the member information provided by the investor terminal 20, the matched list of recommended items and detailed item information An investment intermediation platform system for micro direct investment, characterized in that configured to provide to the investor terminal (20), through a mailing service to the member's email address. The method of claim 1, wherein the investment item is at least one of a business project that is being carried out or is to be carried out by the investor who proposed the investment item, the enterprise or individual who is the investor, and matters related to property rights such as bonds, goods, or intellectual property rights. Including, investment brokerage platform system for small-scale direct investment. The method of claim 1, wherein the investment attraction information includes a business description report (IR data) provided by the investment attractor member for the included investment item, or includes an expert recommendation opinion or an investment member's comment on the investment item. Or, ranking information that is ranked according to popular votes of experts and investors members. The investment intermediary platform system according to claim 1, wherein the investment pool account (80) is a virtual account associated with a linked investment item, and is protected by an escrow service managed by a third party. The investment intermediary platform system of claim 1, wherein the investment attractor member and the investor member are divided into a plurality of grades, respectively, to which different rights are granted. The investment platform server (10) of claim 14, wherein the rating of the investor member includes a general membership level having the authority to act only as an investor and an activity of actively recruiting investor members for an investment item selected by the investor. Investment broker platform system for micro-direct investment, characterized in that it comprises a leader membership level authorized to support. The system of claim 15, wherein the investment attractor members can restrict at least some of the information they provide to only investor members of the leader membership class. 2. The investor member of claim 1, wherein the investment platform server 10 presents a condition of an investor member desired by the investor member to each of the investor member and searches for an investor member using the condition of the investor member. An investment intermediation platform system for micro direct investment, characterized in that it provides a means for selecting a desired investor member and conducting investment consultation with the selected investor member. The method of claim 1, wherein the investment platform server 10, characterized in that each of the investor member provides a means for advertising by displaying at least one investment attraction information selected by the investor member on the website, Investment brokerage platform system for small direct investments. 19. The method of claim 18, wherein the investment platform server 10, a small amount of direct, characterized in that to provide a blog system to each of the investor members to post and advertise at least one investment attraction information selected by the investor member itself. Investment brokerage platform system for investment. 19. The mediation of claim 18, wherein each of the investor members posts and advertises investment attraction information and includes a certification mark hyperlinked to a web page containing the investment attraction information. Platform system.

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