KR20150129274A - System and operating Method of democratic capital market for high risk business based on Internet - Google Patents

Abstract

Generally, the risk of investment loss, such as low start-up, IPO, commercialization of new technology and launch of new products, which have low business success rate due to low product completeness, low consumer awareness and poor sales and financing difficulties, By making it possible to easily construct a system that can easily solve the problems of high risk business with low risk investment of consumers, having a good business model as a business makes it easy for the business to succeed without a reputation, money, Consumer is e-commerce system construction technology and utilization technology that performs democratic capital market function for high-risk business that everyone can participate in high-risk business with low risk and get high investment income easily.

Description

  The system of democratic capital markets for high-risk Internet-based businesses and its operating method

  It is an invention about the establishment of a democratic capital market system for high risk business using electronic commerce technology.

  The background art of the present invention is disclosed in Korean Patent Application No. 10-2007-0058610 (June 14, 2007), Korean Patent Application No. 10-2007-0083123 (August 18, 2007), and Korean Patent Application No. 10-2012-0004190 (January 13, 2012) Which is an invention of the applicant, which is open to the public. The present invention belongs to the inventions of the present invention. Therefore, the detailed description of the technology disclosed in the above-described invention is omitted because it is complicated only by the content of the specification. Accordingly, the techniques disclosed and generally used in the present invention are not included in the specification, but are included in the technical scope of the present invention.

These known technologies are mainly e-commerce system construction technologies such as Internet system, product database construction technology, commerce database construction technology, customer database construction technology, seller database construction technology, product database construction technology, online trading system and online payment system.

  The two main functions of the capital market are the function of collecting risk capital (stock investment capital, bond investment capital) and the hedging function of investment loss risk. This capability allows companies to raise funds for the commercialization of new technologies and ideas and for the manufacture of new products.

  From the viewpoint of the investment market, the typical characteristic of the capital market is high risk and high profit. This is because the financial assets traded in the capital market are financial assets with high risk of investment loss such as stocks and long-term bonds. However, the risk of investment loss risk is almost entirely dependent on the ability of the company. In the age of infinite competition, there is a limit to the investment loss risk hedge at the enterprise level. Accordingly, stocks and bonds traded on the capital market (ie, listed) are limited to stocks and bonds of companies with stable returns and above a certain level. The capital that is concentrated is limited to the money capital. Thus, consumers who are able to participate in investment are limited to a few who have a lot of spare funds and are willing to take the risk of investment loss actively.

  As a result, it is difficult for venture start-ups or businesses with high risk of investment loss, such as commercialization of new technologies, to raise business funds. This further lowers the business success rate of high-risk business due to the vicious cycle effect. As a result, in the case of SMEs and start-up companies, it is very difficult to attract investment of credit capital, such as attracting investment of risk capital (issuance of stocks and bonds) as well as loans. As a result, the gap between investors and simple consumers is widening. It is also because there is not much good job creation.

  These are due to the inherent limitations of the existing capital markets, which are characterized by winners and riches. Since the capital market is a corporation's capital procurement market and it is the ownership market of the corporation, it plays a very important role in the birth, survival and growth of the enterprise and is thus the core of the capitalist system. to be. Therefore, the construction of a democratic capital market system pursued by the present invention means the construction of a democratic capitalist system, that is, the capitalist revolution.

  The Internet is one of the most representative cooperative systems, but also a power collecting system. By using these two typical functions of the Internet, a new capital market system can be constructed that solves the problems of the existing capital market. Nevertheless, the existing technologies use the Internet only on simple commerce, and the capital market uses the Internet only on simple brokerage of stocks and bonds of large corporations with relatively high stability.

  The present invention converges the consumer market (commodity market), the deposit market, the loan market, the capital market, and the production market with each other in a win-win manner, focusing on the consumer's non-profit investment, using the Internet so that high- It is not only costly to reduce the risk of loss, but also to reduce the risk of the risk by the consumer, so that the consumer can easily participate in the high-risk investment business. To disclose technology that can easily build a democratic capital market system for high-risk businesses.

Therefore, by using the present invention, both businesses and consumers gain a lot of good jobs while generating a lot of good jobs, and the problem of national deficit caused by unemployment problems and welfare expenditures is solved by itself. As a result, the national financial income is increased, but the fiscal expenditure is reduced, and the national finances are easily sound.

  The first problem to be solved by the present invention is to solve the problem of low business success rate due to lack of financing due to low product completeness and low consumer awareness of new products or new businesses, It is an invention of e-commerce system that performs democratic capital market function for high-risk business that business and consumer can win together easily by solving easily by force.

The second problem to be solved by the present invention is an invention of an electronic commerce system in which a consumer performs a democratic capital market function for a high-risk business in which a person can participate in a high-risk business at a low risk and obtain a high investment return.

The specific problems to be solved by the present invention are better understood through the following examples.

(Case 1)

  Lee is a new capitalist system based on 100% profit that solves the problems of the existing capitalist system centered on 1% profits such as the gap between rich and poor, high economic growth, polarization, financial instability, personal debt, national debt and demolition of communities and democratic capitalist system After publishing a book titled "The 2nd Civil Revolution", which is a representative book of identity, "The Book That Makes the Consumer Become a Capitalist," which reveals theories, techniques, and system design techniques for building, The public, academics, and political circles have made a lot of efforts to get support for the implementation of the theory, but publishing has failed to publicize it.

  As a result of the analysis of the reason for failure, it is not easy for non-experts to understand because the content of theory and technology requires a paradigm revolution of existing capitalist system. And because the media, academics, and politicians belonging to the vested interests are very good at the theories and technologies, they have a sense of rejection because they hurt their vested interests. In addition, the publisher's content requires a paradigm revolution, which is difficult for ordinary consumers to understand. The book that calls for such a paradigm shift is not a book written by world-class scholars, Is likely to suffer a great loss.

  On the other hand, if the book "The Second Civil Revolution" is published and the merits of the book "Second Civil Revolution" and civil capitalist system are reported to the press and become widely known to consumers, the beginning of capitalist revolution → sale of many books → capitalist revolution Successful publishing and capitalist revolution are easily succeeded by the synergy relationship with the virtuous cycle mechanism of success → more books sold. In addition, if the book is published successfully, it is planned to produce movies and dramas based on the second civil revolution. Since the books perform not only the business itself but also the promotion and sales tools of movies and dramas, It is very important in business success.

However, publishing a book requires specialist supervision and revision of the contents of the book, and investing a considerable amount of money at risk of loss. On the other hand, Lee Jong Il has no money to publish books at his own expense and no contacts to help. Also, there are no contacts to take care of and modify contents. As a result, even though they have good manuscripts, they can not publish them.

(Case 2)

  Lee Jung-il is the economic democratic revolution that transforms the existing capitalist system centered on 1% profit to the democratic capitalism system based on 100% profit through the choice of trading companies (ie consumer sovereignty) I am doing business. However, I do not see much progress because I do business without money and network.

  This project is a project for the capitalist revolution, so it is called the 2nd civil revolution project. Because it is a business for the wealth and happiness of all consumers of the world, if the merits of the business are well known successfully, it is absolutely important for the public to succeed. Lee Jung Il has written a book, "The Second Citizens 'Revolution," which will be used as a guide to business promotion, business fund raising, ideal social design, and the book of the Second Citizens' Revolution. We make films and dramas based on stories and distribute them to the global consumers through the internet. We sell movies for a fee, and we try to distribute the drama free of charge by inserting advertisements.

However, in order to produce movies and dramas, many professionals have to participate in the business, take the risk of loss and invest a lot of money, but Lee Jong - il has no money and no contacts to get help. So this plan is not realized.

  These two cases have good knowledge (technology) or good business model for copyright, movie scenario, invention, new business, but they are in a disadvantage over big corporations in terms of company gold and commodity sales because they do not have money, It represents the difficulties of many adventurers, including individuals and small organizations. This, of course, is also true for large-scale new businesses with large risks, even for large corporations, and for large scale M & A projects.

For e-commerce, e-commerce, including one or more of consumer, low-risk investor, business, and high-risk operators that send and receive information according to e-commerce transactions with the e-commerce server, In a method of operating a capital market system for a system-based high risk business, the consumer and low risk investors are both consumers,

A system user registration step of registering and storing system user information from at least one of a general consumer, a low-risk investor, a business site, a high risk enterprise, and a business server owner;

  In order to facilitate the business by easily sharing the loss risk and profit opportunity of the high risk business with a large number of consumers on behalf of the high risk enterprise or the high risk enterprise, the server server owner accesses the server server, Risk investment product registration step of registering the low-risk investment product in the provider server using the low-risk investment product;

  Low-risk investment product introduction stage that introduces low-risk investment products registered with a provider server to consumers;

  If one or more of the consumers are low-risk investors and engage in low-risk investments, low-risk investments are made by the low-risk investment products on the provider server, and the provider server provides low-risk investment information and investment information Low-risk investment phase;

  A physical commodity registration step of registering real commodity information on a server server for selling a real commodity introduced by a high-risk provider in a low-risk investment commodity introduction to a consumer;

  A physical merchandise sales stage in which a business server receives sales information or rental information of physical merchandise from a consumer or a business location; And

  A business profit allocation step in which a business server provides business profit distribution information to a low risk investor, a provider server owner, and a high risk enterprise,

  The low risk investment product registration module 320 includes an introduction area of a high risk business in which a high risk enterprise inputs information for at least one of a business name, a business content, a business profit distribution, a physical product to be sold, In order to contribute to the success of the high-risk business, it is necessary to purchase financial products, purchase real goods, use purchased real goods for a certain period of time, use the purchased real goods for rental for a certain period, place advertisements on purchased real goods, A low-risk investment item that low-risk investors have to enter in order to participate in a low-risk investment, information on one or more of their contacts, the contact details of their relatives who will recommend purchasing real goods, or participating in a high risk project team; A s / w module for low risk investment product registration; This is a method of operating a democratic capital market system for Internet-based high-risk businesses.

  In the method of operating the democratic capital market system, when a real product to be rented at the sales stage of the real product is a tangible product designated as a rental product for a certain period of time, after a predetermined period has elapsed, A rental item recovery step of providing information to the low-risk investor and providing rental item delivery information to the low-risk investor; .

  The type of business profits allocated to low-risk investors, provider server owners, and high-risk entrepreneurs in the business profit distribution stage may be one or more of cash, high risk business company stock, operator server company stock, or third- have.

  Attracting low-risk investments through the low-risk investment phase may be more than twice for the same project.

  In the business profit allocation step, the method of dividing the business profit for the low-

  Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contact, contact person's recommendation to purchase real goods; The point of allocation based on the quantity of the real product or the sales amount of the real product may be based on the point.

  First, the central investment assets of the capital market are transformed from money capital to non - profit assets. In addition, non-profitable assets such as consumer financing and intangible assets can be used for dual purposes of consumption and production, or for dual use such as sale or rental for a certain period without immediate delivery of paid goods. By making it possible to use the tangible product for both consumer and business purposes to easily build a democratic capital market that allows all consumers to become capitalists with only consumption. Therefore, consumers can easily become capitalists through this invention. This means economic democracy.

  Second, operators can easily solve the problems of securing capital for high-risk businesses such as technology and knowledge commercialization, securing sales and promoting business, so that they can easily commercialize knowledge successfully. As a result, many companies are founded on knowledge, and many good jobs are provided to the society. So the problem of unemployment, the gap between the rich and the poor, and the problem of social division are easily solved, and the individual and the nation become rich easily.

  Third, in the existing capital market, only a few high-risk investment products, such as stocks and bonds are traded, and only a small number of consumers participate in capital transactions, thereby becoming the main cause of the gap between rich and poor. The purchase of commodities automatically dominates the consumer market, the deposit market, the capital market, the loan market and the production market (including the start-up market), making it possible for anyone to become a capitalist who can make big money easily. .

  Fourth, the existing capital markets are not specialized except for high risk investors, except for selling stocks or bonds of companies that have invested more quickly than others. However, this method can be a way to reduce losses for investors, but it also increases the loss of the company. On the other hand, the investment using the capital market of the present invention has a small risk of loss that an investor is liable to even if it is a high risk business, and there are many ways to hedge the investor himself without selling the small risk of loss risk.

  Fifth, the stock of the inventive company (300) that mediates the sale of a large number of low-risk investment products of several companies as well as the profit share of the business that directly invested dividends on the investment, or the third The risk of loss is much lower than that of dividing stock of a single company (small venture company) as in the case of existing stock investment because of the insurance effect. In addition, due to the monetary effect, trading (liquidity) is much more advantageous. In addition, since it completely eliminates the risk of small losses through the sale of real goods to the general consumer, participating in the high risk business with low risk will eventually become risk free investment.

  Sixth, the advantages of the present invention capital market to the existing capital market are well known through comparison of the competitiveness of Table 1.

Compare Existing capital market The present invention capital market Investment loss risk
Bearer Stocks / Bonds
Buyer Low-risk investors (mainly experts and early adopters) Open investor recruitment time Mainly profit and loss
After the turning point - From no sales (business idea development) stage
- or through the sale of goods or the display of goods through the rental of goods How to attract investment Stocks / Bonds
sale Sales of low-risk investment products that combine the consumer market + deposit market + loan market + capital market + production market Investment loss risk
How to hedge the risk of the bearer Stocks / Bonds
Early sale - Attract more low-risk investments
- Use the purchased product as a sales item and rental product for general consumers.
- Show ads on purchased items
- Preserve some of the production cost of the product as a donation
- Oral marketing of low-risk investors
- Use the product itself as a promotional medium
- Dividends may be substituted by shares of the inventor company or a third-party holding company. Risk of loss of investors A lot of Very small Investment Manager Investment enterprise The inventor or a third party Loss risk of producers A lot of Almost none Major Business Promoters producer Inventor, Low Risk Investor, Cooperative Bank

FIG. 1 shows a model and operation diagram of a democratic capital market system for the Internet-based high-risk business of the present invention
2 is an exemplary diagram of S / W modules and databases that the vendor server 300 of FIG. 1 should additionally install for the practice of the present invention.
FIG. 3 is an exemplary diagram of a template web page for low-risk investment product registration for establishing a low-risk investment product DB in FIG. 2
FIG. 4 shows an example of a point accumulation criterion for a contribution item of a business profit through a low-risk investment by a consumer
FIG. 5 is a block diagram of a system for briefly explaining the roles and roles of major components of the system of the present invention,

  DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the drawings and various embodiments.

  Since the present invention is an invention using a known electronic commerce system, a detailed description of known technologies complicates the contents of the specification, so that the description thereof will be omitted or briefly explained.

  In the functional description of each component of the present invention, the description of the function of the computer includes a description of the function of the computer user, and the description of the function of the computer user includes the description of the function of the computer to be used.

  That is, even if the computer is not specified in the drawings and specification, the general consumer, the business, the inventor, the low-risk investor, and the high-risk enterprise, in terms of the function of the system of the present invention, The inventive company server 300, the low-risk investor computer 400, and the high-risk enterprise computer 500.

  In the claims of the present invention, steps of the method of claiming a constituent block unit of the technique of the present invention are described as steps. The one means or module may comprise one or more computer programs for functional implementation of the method, hardware embedded in the computer program and / or a database associated therewith and the one configuration block may comprise one or more detailed configuration blocks .

  The terms used in the specification of the present invention and the terms used in the claims may be slightly different from each other in the same function. The specification is intended to provide various embodiments and detailed descriptions for the implementation of the gist of the invention. Can be sufficient. Therefore, even if the names are slightly different, the true meaning should be interpreted in consideration of the functions of both. In addition, unlike other known patent specifications, the specification of the present invention does not duplicate the contents of the patent claims in the specification due to the slight difference between the patent claims and the description of the specification with respect to the same technology when the specification is described in the specification . In this case, the technical structure described in the patent claims also becomes a part of the specification of the present invention.

  The method of the present invention is realized by a computer program installed in each component of the system of the present invention that functions as a computer or a computer, and the program is a program for implementing the logic of the method of the present invention through a computer The present invention is implemented by controlling each constituent device (means) of the system of the present invention in accordance with the call of the central processing unit (CPU) and the control command by the method of the present invention while being stored in the storage means of each computer.

The storage means may be a computer-readable recording medium, such as a ROM, a RAM, a CD-ROM, a DVD, a magnetic tape, a magnetic disk, a floppy disk, an optical data storage device, a flash memory, And transmission through the Internet). In addition, the computer program may be stored and executed in a computer-readable code form in a distributed manner on a plurality of computer devices connected to the network.

The numerical values and examples used in the drawings and the embodiments of the present invention are examples for explaining the technique of the present invention, so that the practice of the present invention can be changed as much as possible. Accordingly, such a level change is naturally included in the present invention.

1. Definition of Terms

(1) High risk business: As a high-risk business that can become a low-risk business by attracting low-risk investment through the use of the present invention, the risk of investment loss such as book publishing, film production, development of new technology, commercialization of new technology, This is a high business. This includes companies that have difficulties in management due to sluggish sales due to recession due to the recession, and businesses to launch new products with high loss risk. Therefore, the present invention is available to all businesses and all companies. The individual or organization that conducts such high risk business is called high risk enterprise (500).

(2) Unprofitable assets: Consumer tangible intangibles that have not been able to generate special income in the prior art and that have been put to death or being valued at a much lower than potential value. However, in the present invention, low-risk investments are invested as core financial assets that generate low risk (or risk-free) high returns in entrepreneurship, M & A and management.

Examples of unprofitable assets include, but are not limited to, free time, trading companies (including financial institutions) options (consumer sovereigns), purchasing funds (goods purchases), deposits, selection information, order information, All kinds of physical, mental, emotional business assets such as technology, small cash, card company points, dreams, support, interests, knowledge, talents, ideas. The purchase of goods includes the purchase of goods which the direct inventor sells or mediates the sale of the inventions in order to contribute to the financing of the low-risk investment business including the prepaid purchase.

(4) Low-risk investment: Investing non-profit assets into a company as a financial asset. This includes financial activities that are profitable for the company, such as disadvantages such as inconvenience, waiting, etc., and the provision of knowledge of support interest, even if they do not have financial damages. It is also called investment type consumption. Also, it may include a risk of loss due to the purchase of the product, such as pre-paid reservation purchase before the development of the product through purchase of the gift certificate or the initial product of the startup. The reason for this is that purchasing such risky products is an investment because it is a risk of loss. Thus, a low-risk investment requires considerable expertise in the subject of investment and a significant investment in time for information gathering and analysis.

(5) Low risk investment business: A business with low risk investment.

(6) Low risk investors: Individuals or organizations that make low risk investments. Low-risk investors are generally individuals or organizations that will purchase large quantities of goods supplied by investment business professionals, early adopters (new product early users), angel investors, venture capital firms, low-risk investment businesses (government agencies, A library, or a rental shop for goods).

(7) Low risk investment products: The types of non-profitable assets to be invested in the non-profitable investment type for each type of business as the investment products to which the non-profitable assets are invested are selected by the low risk investment product registration module 310 of the inventive company server 300 And items selected by the high-risk provider (500). A more detailed example of this is provided in FIG.

(8) Financial instruments for supporting low-risk investment projects: deposits, insurance, annuities, annuities, etc., which are sold to consumers on the condition that part of the sales is supported in the form of loans or bonds, CMA and other financial instruments whose principal and interest are guaranteed. For all low-risk investors, this means that lending is a risk to the financial institution's losses, but loan funds are funded by low-risk investors. Therefore, in the present invention, the consumer who purchases the financial product receives the business profit. It is also called a "financial product that allows consumers to become capitalists" because consumers are entitled to dividends on their profits.

2. Point of the present invention

  From the viewpoint of novelty, inventive step, and industrial applicability, which are the three requirements of the patent, the technical problem that the present invention should first seek as an advantage of the conventional capital market is that the greatest number of consumers pay only a small cost and a small loss risk It is the development of investment technology which can secure stable capital income (investment income).

  To this end, the present invention assists the financing of the company, the production of goods, the sale of goods, and the promotion of the business from the viewpoint of investment when the consumer purchases the company's products, so that the company using the present invention And make it possible for consumers to share their business interests.

More specifically, the present invention is based on the assumption that a high risk enterprise 500 using the present invention as a low-risk investment, including large-scale orders of a large number of expert-oriented low-risk investors 400 in the field of investment business, The democratic capital market for high-risk businesses, which allows low-risk investors (400), high-risk businesses (500), general consumers (100) and inventors (300) to win, It is in the construction of the system.

  The mechanisms for this are as follows: ① The feasibility and feasibility of the project and the risk of investment loss are analyzed based on the contents of the low-risk investment products provided by the high-risk enterprise by experts in the business field. , Which is the biggest investment loss factor in high-risk business, by investing various types of non-profitable assets according to the low-risk investment method required by low-risk investment products such as introducing the business to relatives Capital procurement stage that solves the problem of gold coinage and sales and consumer awareness (consumer credit) → ② The high risk company (500) moves the real goods aimed at the business based on the low risk investment of the low risk investor (400) ), Which supplies high-value-added goods in terms of price and consumer awareness to the consumer market (3) Consumers (100) purchase large quantities of real goods supplied at the production stage of the present invention due to their price competitiveness and the recommendation of low-risk investors (400) as their relatives, so that the sales problems of high- (4) a business profit distribution step in which the provider server (300) distributes the profit of the investment business to the low-risk investor, the inventor of the present invention and the high-risk enterprise; .

  Consumers are low-risk investors and general consumers, depending on the ownership of their expertise in each investment business, their investment holdings, and their willingness to take risks.

  Low-risk investors' low-risk investments in the capital procurement phase include direct participation in the promotion team of high-risk businesses or providing expertise as well as business promotion and purchase of products to general consumers including relatives.

Through the above mechanism, the high-risk company 500 solves the problems of high-risk business, such as financing, publicity, and product sales through attracting low-risk investors 400, and low-risk investors 400 Through low risk investment of the method, the high risk carrier 500 and the carrier server 300 can completely eliminate the low risk by helping the company to manage the business in terms of funding, sales, publicity, etc. . This leads to a democratic capital market system for high-risk businesses that benefit both high-risk operators, low-risk investors, consumers and inventors. In the case of a general consumer, not only the same product can be directly purchased at a lower price than the prior art due to the cost reduction due to the present invention, but also indirectly, since the startup is activated more than the conventional technology, Profit.

3. Function of each component of the inventive system

  1 is a model and operation diagram of a capital market system for the Internet-based high-risk business of the present invention.

  1, in order to implement the present invention, firstly, the computers of the business participants and the financial network computers 600, which will be described below, are connected to the Internet, the system of the present invention based on hardware is constructed, (CPU) of the provider server 300 processes the information relating to the computers of the business participants and settlement described below based on the execution sequence of the computer program for executing the method of the present invention stored in the storage means of the business server 300 By controlling the hardware system of the present invention so that the financial network computers 600 transmit and receive information necessary for commerce transactions among each other, the object of the present invention is realized and the expected effect is obtained.

  The forms of the general consumer computer 100, the business computer 200, the inventor company server 300, the low risk investor computer 400 and the high risk enterprise computer 500 may be server computers, desktop computers, Mobile computers, smart phones, and the like.

Except for the provider server 300, the same computer can be used by a general consumer, a low-risk investor, a business site, a high-risk investor, and the inventor of the present invention for each function. Accordingly, the description of the computers below is a description of the functions of the system configuration participants of the present invention.

  Consumer Computer (100)

A function of registering information necessary for system operation such as identification information of a consumer, a contact, and an area of interest in the provider server 300 and transmitting and receiving information according to the provider server 300 with electronic commerce Mainly performed. Consumers can include low-risk investors.

  Workplace computers (200)

  The electronic commerce means of a business site that sells goods or rents goods includes information necessary for operating the system of the present invention such as company identification information and contacts in the business server 300 and offline commerce for the physical commodities registered in the business server 300 And transmits and receives information related to the sale or rental and the return of the rental item to and from the business server 300.

A workplace can be any type of store or lease that sells or leases tangible goods, and can be a church, a workplace, a public institution, a bank, or a convenience store, as well as a library or specialty book store.

  The provider server (300)

As an overall control server of the present invention system, information of users of the system of the present invention is stored using the modules and DBs described in FIG. 2, and low-risk investment goods information to be sold to consumers is registered And receives and stores the payment settlement information according to the commerce through the financial network computer 600 and stores the low risk investment performance information of the low risk investors in the low risk investment DB 393 for each low risk investor Provides information on all or part of the funds collected through attracting low-risk investment to the high-risk company 500, sales information on sales or rental of the low-risk investment product and the real product, If there is an object, information related to the collection and information related to delivering the collected loan item to the low-risk investor (400) is transmitted to the business site (200) and the low-risk investor (400) (300) and high risk enterprise (500) according to the business profit distribution standard inputted by the high risk enterprise (500) at the time of registration of the low risk investment product, cash Or in the form of financial assets. The sales information may also be provided to the low-risk investor (400).

  Low Risk Investor Computer (400)

As the electronic commerce means for low-risk investment by a consumer, information necessary for operating the present invention system such as identification information of the consumer, contact information and specialty field is registered in the provider server 300, And mainly performs a function of transmitting and receiving information.

  High risk enterprise computer (500)

As the investment attraction and e-commerce means of a business intending to conduct a high-risk business through the system of the present invention, information necessary for operating the present invention system and low-risk investment product information such as identification information and contact information of a business operator are registered in the business server 300, And a function of transmitting and receiving information according to the investment business with the server 300.

2 are S / W modules and databases that must be additionally installed in addition to the components of an existing electronic commerce server for the implementation of the present invention by the provider server 300 shown in FIG. 1, The related arts disclosed in the background invention of the present invention described above and the related modules and databases in the general electronic commerce system are only slightly modified, so a detailed description of the technical configuration will be omitted.

The system user registration module 310 receives IDs, names, and other information from the general consumer 100, the low-risk investor 400, the business site 200, the high-risk business entity 500, Contacts, specialty fields, investment products of interest, and stores and manages user information in the system user DB 391. Particularly, when a high risk enterprise registers a low risk investment product, the business server 300 can be used to guide low risk investment to the concerned customers by the specialized field or the investment item of interest.

The low-risk investment product registration module 320 includes a template web page for low-risk investment product registration, and receives information necessary for low-risk investment product registration from the high-risk company 500 through the web page, And performs the function of storing and managing the data. A further explanation for this is provided in FIG.

The low risk investment module 330 receives the low risk investment information of the low risk investor 400 and stores the low risk investment information in the low risk investment DB 393 along with the point of FIG. 4, then the low risk investor 400 and the high risk enterprise 500 ).

The physical product registration module 340 includes a template web page for physical product registration (not shown since it is generally used and known), and receives information necessary for physical product registration from the high-risk company 500 through the web page And stores and manages it in the DB 394.

The physical merchandising module 350 receives the physical merchandise purchase information of the general consumer 100 and stores the information in the physical merchandise sales database 395 and provides the information to the general consumer 100 and the high-risk provider 500. If necessary, it can be provided to low-risk investors (400).

The business profit dividend module 360 calculates the profit contribution statement of the investment business classified by the external accounting expert and the business profit contribution result of the low risk investor 400 stored in the low risk investment DB 393, (300) and the high risk enterprise (500) according to the business profit dividend per investment business stored in the business profit distribution database (396) And provides it to the low-risk investor 100, the inventor 300 and the high-risk provider 500. [

However, according to the embodiment, after all the calculation based on the dividend according to the investment projects is inputted by the external accounting expert, the business profit dividend module 360 inputs information to the business profit dividend DB 396 through the business profit dividend module 360 It may be possible to perform only functions provided to the low-risk investor 100, the inventor 300 and the high-risk provider 500. [

  FIG. 3 is an example of a web page for low-risk investment product registration for constructing the low-risk investment product DB 394 of FIG. 2, wherein the input information is the information of the low- (400) to attract low-risk investments.

This web page is displayed on the Internet capital market homepage provided by the provider server 300 such as www.FrendCity.com by the high risk company 500. When the user clicks the operation menu called " low risk investment product registration " The product registration module 320 may provide a web page for registering low-risk investment products stored in a template for each type of high-risk business, and then may be implemented in such a manner that the high-risk provider 500 inputs information related thereto.

The type of high-risk business can be divided into three categories as follows: production goods business, free contents providing business, type consumer goods business, and intangible consumer goods business depending on the types of low risk investment items. 3, the business plan and the low-risk investment item to be input (or selected) by the low-risk investor are classified into the low-risk investment product registration web page as shown in FIG. . Therefore, when implementing the present invention, the low-risk investment item may be increased or decreased based on the low-risk investment item illustrated in FIG. 3 for each type of high-risk business.

  Since the technology for manufacturing the low-risk investment product registration module 320 requires a slight modification to the related art disclosed in the background invention of the present invention described above and the generally-used commodity registration module of the electronic commerce system, The explanation is unnecessary. Therefore, the present invention briefly describes only the essential matters.

(1) Low-risk investment products such as steel, semiconductors, and forklines for free-of-charge projects, such as production materials and portal sites, consist of: business plan + business revenue distribution standard + financial products for low risk investment business support + funding support B2C company's purchase of goods + small amount of funds + intangible assets such as interest, promotion of business to relatives (including product recommendation) + use of the purchased product as a sales item for a certain period of time (ie subordinated delivery) Consent and / Use as a product agreement

(2) Low-risk investment products for TV, mobile phone, toy, automobile, book, etc. Type of business: Plan + business profit distribution basis + financial products for low risk investment business + pre-purchase + small amount of funds to be produced + Promotion of intangible assets such as information and interest + Promoting business to relatives (including product recommendation) + Using the purchased product as a sales item for a certain period of time (ie subordinate delivery)

(3) Low-risk investment products for services such as movies, theater, travel, education, and intangible consumer goods Business contents: business plan + business revenue distribution standard + financial products for supporting low-risk investment business + pre- + Intangible assets such as information and interest + Promote business to relatives (including product recommendation)

"I agree to use the purchased product for a certain period of time as a sales product" means that I agree not to deliver the paid product immediately, but to use it as a sale product for general consumers and for promoting the business for a certain period of time. This is a risky investment because low-risk investors (400) lend interest-free business funds to high-risk providers (500) as long as the delay in delivery. So it is natural to get dividends on business profit. This also applies to the "purchase agreement" for a certain period of rental use.

A low-risk investment product is called a low-risk investment product, but, as can be seen from FIG. 4, it is virtually risk-free investment product. First, it is possible to participate in high-risk investment projects dominated by the high-risk, high-income rule with low risk, and because the profit is large compared to the small loss risk, many consumers participate in low-risk investment, Second, the low risk that low risk investors are willing to pay for purchases and purchases of deposits for supporting low-risk investment projects, which are provided by the present invention system, Thirdly, it can reduce not only the profit share of business that directly invested dividend for low risk investment but also the profit share of low risk investment, (300) of the present invention or brokering of the invention company As a result of the insurance effect and the monetary effect (ease of trading), the risk of loss is much higher than that of dividing individual companies as in existing stock investments And fourth, since the break-even point has already been exceeded through the low-risk investment, the general consumer can sell the product at a lower price than the competitor, so that the market can be controlled easily. As a result, the risk of small losses is completely eliminated.

The monetary effect refers to the phenomenon that trading (liquidity) works like money because the creditworthiness and stability are relatively high because many stocks of the same holding company hold (that is, universality). On the other hand, since the stocks of the start-up companies created by the present invention are stocks of the start-up companies, the types are very large, and the ownership is not generalized, rather than holding stocks of the holding companies, Because of the high cost, low creditworthiness and low stability, the selling price in the market is very low at first even for a company with high potential. Therefore, it is absolutely advantageous for a low-risk investor to hold stocks of the inventor (300) or stocks of an economic community holding company such as a world-wide and national-level consumer community.

3. Operation of the inventive system

1, a method of operating a capital market system for an Internet-

  A system use registration step of registering and storing system user information from a general customer 100, a business site 200, a provider server 300 owner, a low risk investor 400 and a high risk enterprise 500 ;

  Actual user registration is performed by using a single registration module and a user information database, such as a widely used method in the known technology, by inputting the main use of the system, and by giving an identification code for main use based on this, It is preferable that the CPU of the computer divides the user.

  Another person can become one of the general consumers, low-risk investors, and high-risk businesses depending on the investment project. This is true of the business site and the inventor of the present invention.

High risk company (500) shares loss risk and profit opportunity with many consumers for fund raising necessary for success of high-risk business, promotion of business, securing consumer awareness of product, securing talent, securing cooperation business and securing sales Risk investment product is registered in the provider server 300 by using the low-risk investment product registration module 320 provided by the provider server 300 by accessing the provider server 300 through the Internet in order to facilitate the business easily Low-risk investment product registration step (1 in Fig. 1);

  Registration of the low-risk investment product is performed by the provider server 300 on behalf of the high- The owner may substitute.

  The low-risk investment product registration module includes, as shown in FIG. 3, an area in which the high-risk company 500 inputs contents to introduce a high-risk business;

  Low-risk investment item, which is input by the low-risk investor (400) and which inputs information contributing to the success of the high-risk business, such as the low-risk investment item from 1 to 8 in FIG. 3, It is a s / w module for registration.

  In addition, financial products and real goods to be sold to the low-risk investor (400) may be determined from a list of sales goods provided by the provider server (300). In this case, high-risk investors only need to select from the list. In addition, the physical commodity may be a voucher which is the exchange right of the physical commodity instead of the real commodity.

A low-risk investment product introduction step in which the provider server 300 introduces the low-risk investment product to the consumers 100 and 400 through the Internet;

In order to introduce low-risk investment products and to sell (attract investment), it is also possible to install specialized offline stores. The low-risk investment products introduced in this case include not only the prototype but also the business plan as shown in Fig. 3 and the products of the suppliers. This offline store may also be a business site 200.

  One or more of the consumers may use the low risk investment module 330 provided by the provider server 300 to participate in the low risk investor 400 as a low risk investor 400, Risk investment stage (2 & cir & in FIG. 1) in which the provider server 300 stores the investment details in the low-risk investment DB 393 and then provides the low-risk investment information and the investment amount information to be paid to the high- ③);

One low-risk investment product may also be co-sold for venture start-ups for two or more high-risk projects. In this case, the funds procured from the sale of the low-risk investment products are invested at a pre-public rate in advance to the companies disclosed in the business plan.

  The high risk company 500 registers the real product information by using the physical product registration module 340 provided by the vendor server 300 in order to sell the real product introduced in the low risk investment product introduction to the customers 100 and 400 , A physical product registration step (5 in Fig. 1);

The registration object includes tangible goods, service goods, digital contents goods and gift certificates.

A physical merchandise sales stage (⑥ in FIG. 1) in which the vendor server 300 receives sales information or rental information of the physical merchandise from the customer 100, 400 or the off-line business shop 200; The real goods sold here include service goods and rental goods. Consumers can be general consumers (100) and low-risk investors (400).

When the low-risk investor 400 designates the low-risk investor 400 as a lent product for a certain period of time and the purchase price is paid for the tangible product, after the lapse of a certain period of time, (7 in Fig. 1), which provides information for collecting goods to the offline business place 200 and provides rental goods delivery information to the low-risk investor 400; And

The provider server 300 provides sales information of the low-risk investment product and the real product to the high-profit-side provider 500, and distributes the business profit to the low-risk investor 400, (⑧ and ⑨ in FIG. 1), which are allocated to the high-risk enterprise 300 and the high-risk enterprise 500, respectively. The sales information can also be provided to the low-risk investor (400).

In the low-risk investment stage, the low-risk investor 400 promotes the business invested by the general consumer 100 including the relatives and directly or indirectly cooperates with the business promotion team of the high-risk enterprise 500 1 < 4 >);

  The consumer or the low-risk investor in the low-risk investment stage and the sales stage of the general merchandise may perform all commerce transactions including purchase of goods, settlement of accounts, and purchase of goods at the online or business site, And the receipt of payment and purchasing goods may be done in a hybrid manner at the workplace.

   The low-risk investment step may include the step of allowing the low-risk investor (400) purchasing the product to register an evaluation and a recommendation for the purchased product, and the step of introducing the low- And introducing the article of the registered product evaluation to the consumer 100. [

  The method of introducing the article of low-risk investment product and product evaluation in the low-risk investment product introduction step to the consumer 100 is an initial screen provided when the user 100 logs in to the provider server 300, It may be to use a user-dedicated personal page (My Page). For this purpose, it is preferable that the system user registration step registers information on the real goods of interest of the system user.

  The low-risk investment stage and the real product sold at the stage of selling the product may be the same or different. Since the low-risk investor (400) purchases the same commodity at a low risk investment stage, it purchases the low risk investor (400) in order to share the loss risk and profit opportunity with the high-risk company (500) The commodity to be sold becomes a real commodity since it is purchased by the general consumer 100 for a simple transaction.

  Table 2 shows an example of the high-risk business-to-business product lineup for attracting low-risk investment.

Number of low-risk investment attractions An example of the composition of purchase target products for low risk investment by high risk business New Technology Development Construction of the capital market system of the present invention Film production Semiconductor Company
M & A Shopping mall company
M & A 1 time Deposits for supporting low-risk investment business + Gift certificates of the invention business cooperation shopping mall company (Amazon) Deposits for supporting low-risk investment projects + books <2nd Civil Revolution> Prepayment Reservation Deposits + movie prepayment reservations for low-risk investment business support Deposits for low-risk investment business support + M & A plan Deposit for low-risk investment business support + Gift certificate of shopping mall to be acquired Episode 2 Pre-paid booking of consumer goods to be produced by new technology The present invention business cooperation shopping mall company gift certificate

  As can be seen in Table 2, according to the characteristics of high-risk business, the products that consumers buy for low-risk investment are not the products that are produced (supplied) by the deposit and investment business, Or a gift certificate. In this case, the deposits and the consumer goods or gift certificates of the partner company are used as a means of financing for the success of the high risk business and promoting the business. If necessary, low-risk investment projects, such as new technology development and semiconductor company M & A, may attract two or more low-risk investments. Also, the number of products purchased by consumers for low risk investment may vary.

  In particular, it is difficult to develop the new technology due to the difficulty of investment in the conventional technology due to the long period of possession of the technology in the development and commercialization of the technology. Low risk investors can help funding by purchasing consumer goods (including gift certificates) from shopping mall companies (eg, Amazon) that have a relationship with the inventors of the present invention, so that, unlike the prior art, Not only investors but also nations can do business on a large scale, even if they do not bear the risk of investment loss, or if they are very small.

  Unlike consumption, investment is not purchasing present value but purchasing future value. This inevitably leads to a loss risk. So to succeed in an investment, you have to reduce the risk of loss. This is called risk hedging or risk management in economics. In the prior art, investment risk hedging was almost entirely undertaken by companies. So, for investors, the best risk hedge is to sell their stocks and bonds earlier than others. This raises corporate financing costs and lowers creditworthiness, further increasing corporate risk of loss.

  In the present invention, as in the prior art, risk hedging is not led by a company or a company, but consumers of an investment business hedge in various ways through low risk investment. In addition to the methods illustrated in FIG. 4 and Tables 2 and 3, this includes investment in time, investment in knowledge, investment in interest, sharing business vision and business strategy.

The time of registration of the low-risk investment product is generally faster than the registration time of the real product, but may be the same as if it is a gift certificate of a shopping mall company or a real product that can be sold immediately. In the same case, the consumer may buy the same physical product only for simple consumption according to the risk, or purchase it by consumption (investment consumption) by participating in low risk investment. In this case, most of the consumers select to participate in the low-risk investment, so that the provider server 300 mediates a large amount of product sales, so that the inventor 300 or the high-risk provider 500 I have a great deal of negotiation power. This creates a virtuous cycle effect that low-risk investors get a large return on investment while purchasing products at low prices (at least the same as in the past). This is also true for consumer bank deposits.

The product information to be registered as a sale item in the low-risk investment product registration step and the physical product registration step may be information on products that the inventor 300 has built for sale (or brokerage) the supplier server 300 may use the product information constructed by the external cooperative shopping mall company cooperating with the inventor company 300 such as www.amazon.com for sales intermediation. This also applies to the sale of financial instruments with principal and interest, such as deposits, insurance, pensions, and CMAs.

  The types of business profits allocated to the low-risk investors 400, the inventors 300 and the high-risk businesses 500 in the business profit dividing step are cash, high stock company 500, May be one or more of the shares of the company (300) and the shares of the third subsidiary.

  The business profit dividing mechanism can be performed by the low-risk investor 400 in the system user DB 391 or the low-risk investment DB 393 primarily by making various profit contribution (low-risk investment) 4, and secondly, the total amount of business profit is divided by the total points accumulated by low-risk investors (400) after a certain period of business start (for example, one year) Risk All investors (400) allocate their profits to cash or stock on a point-by-point basis.

  The dividend of the business profit can also devote a small fraction of the business profit to the general consumer 100 according to the profit contribution performance as in the prior art.

The compensation for the low risk investor (400) cooperating with the business promotion team in the business cooperation stage can be compensated by the provider server (300) or the high risk enterprise (500) 300) may be substituted.

Among the low-risk investment products, the rental products can be selected for self-use, gifts to friends, schools, and library donations as shown in FIG.

  The key difference between the present invention system and the existing e-commerce system is that,

  First, it is in the function of the low risk investors 400 and the function of the low risk investment product registration module 320.

  Second, as can be seen from FIGS. 3 and 4, various types of low-risk investments are made based on real goods that consumers sell (or produce) in low-risk investment companies and compensation points are allocated have. This type of low - risk investment allows a financial transaction and a physical transaction to converge into a win - win relationship for the success of a high - risk business.

  That is, the purchase of a financial product in the same manner as in (1) and (2) of FIG. 3 means that some of the purchasing funds of financial products are purchased by a financial company The risk is that the high-risk business can securely procure a large amount of business funds, resulting in a large profit for the low-risk investor, and a variety of real transactions in the manner of ①, ③ to ⑧ in Figure 3 As a result, the company gains a lot of revenue and profit and high consumer awareness, and as a result, it is a mutually beneficial relationship in which a financial company that has lent money to a business where consumers have low-risk investments can get stable interest income.

  In addition, the reward method that allocates reward points based on real goods makes the most reasonable and fair compensation. The reason for this is that compensation for low-risk investors (ie, low-risk investments) from ① to ⑧ is rewarded based on their contribution to the production and sale of one indicator of the company's most important profit- Because they are used in a mutually beneficial way to increase the profit of the company.

  The real goods include the goods which are produced or sold by the company or the partner company and the voucher which is the exchange right of the goods. In this case, the compensation for purchasing and purchasing recommendation may be based on the voucher amount.

  Thus, these low-risk investment methods and compensation standards provide a win-win relationship for financial products sales, sales of physical goods, loans, and dividends to jointly win investment companies and banks and low-risk investors.

  In addition, if necessary, the change in the compensation method can be reasonably and simply changed as the compensation factors vary based on the statistical surveys contributing to the company's profits. If the investment target is different, it can be used in all kinds of high-risk projects if only the compensation ratio varies slightly among the low-risk investment items according to the characteristics of the product or business. It is desirable that this change standard is determined by the inventor of the present invention through a statistical survey on contribution ratio of business profit among low risk investment items by industry type.

  Due to this low risk investment and compensation standard, at least the real commodity market, the deposit market, the loan market, the capital market, and the production market are merged together in a mutually beneficial way to enhance the return on investment of consumers. This leads to improved productivity, increased start-ups, increased income for consumers, easier employment for consumers, over-investment and over-production and financial instability.

The creative destructive power of this type of low-risk investment in contributing to the development of the financial and physical industries is comparable to that of containers in the logistics industry. The reward point for the purchase may not be the quantity but may be the same amount as the gift certificate.

4. Preferred Use Examples of the Present Invention

If the physical commodity in the low risk investment stage is a pre-paid reservation purchase item such as a gift certificate or a product under development, in order to prevent the loss of the low-risk investor 400 due to the purchase of the commodity, , It is desirable to ensure that the purchase price is guaranteed by the designated bank. To do this, the bank may hold the purchase price until delivery.

As shown in FIG. 4, the size of the dividend for a low-risk investor is discriminated depending on the type of non-profitable assets to be invested and the type of investment. Generally, ② Purchase performance + Consent to use the purchased product as sales product and loan product for a certain period of time, ③ Purchase performance + Use product as purchase product for a certain period of time, ④ Purchase performance; it is desirable to put discrimination in order.

  The most important purpose of low-risk investment inducement of high-risk enterprise (500) is establishment of foundation for dominating consumer market for general consumers. Therefore, if necessary, low-risk investment product registration stage, Attracting low-risk investments through the investment phase can be repeated more than once for the same project. In this case, the main sales item may be changed at each iteration. This is because, in the case of the new technology, there is a need for repetitive financing, but even if there is a lot of money, it is very likely that defective products are generated due to trial and error, and selling such products to general consumers (100) This is because purchasing is a good thing for both low-risk investors (400) and businesses. Also, because low - risk investors are the owners of the company, the simple design and small inconveniences are the responsibility of investing for greater success.

  However, the greater the number of low-risk investments, the smaller the existing investor's stake. However, because of the risk of reducing this profit, low-risk investors will cooperate more for the early success of the business in order to reduce the number of investments, thereby allowing the low-risk investor and the business to jointly win. In the case of low-risk investments on the same investment business, the share of low-risk investors' dividends after the second is the share of the first low-risk investor (400) The higher the number of risky investors (400) and the higher risk companies (500), the lower the percentage of low-risk investors who invest late, the lower the ratio of dividends to the investment. Therefore, in order to protect the interests of existing investors when investing in low-risk investment, the primary target of investment attraction is the existing low-risk investor. These investment attraction and equity change mechanisms are the same as existing capital markets.

  The amount of production of tangible goods to be introduced through low-risk investment products is generally higher than the quantity ordered by low-risk investors since they must be sold to ordinary consumers. The best management in corporate management is to produce and sell with no inventory or minimal inventory. For this purpose, the present invention, as shown in FIG. 3, obtains consent from the low-risk investment stage and uses the low-risk investor as a sale product to the general consumer for a certain period of time without delivering the product paid to the low- . This is like a low-risk investor lending interest-free funds to the production of goods during the delivery delay. Low-risk investors, who can make low-risk investments in such a way that they can use these paid products as sales products for general consumers, are mainly purchasers such as corporations, government agencies and libraries. That is, when purchasing a product using the present invention, such a large-volume purchaser can use a single item for dual purpose of consumption and business use. This dual-purpose expenditure is called investment-type consumption in Lee Jong Il's book The Second Civil Revolution.

A low-risk investor may make a product for which the seller agrees to use it as a sale item, after the designated period, at a pre-designated retailer. In this case, the designated retailer does not worry about the sales problem because the designated low-risk investment product has already been determined by the buyer, but it does not worry about the sales problem, . In this case, designation of a retailer that sells designated products for sale may be made by low-risk investors. Then, low-risk investors who purchase large quantities of goods can contribute to the sale of relatives at no cost.

  It may also include a low-risk investment opinion survey to resolve the issue of returning investment funds for prepaid purchases when low-risk investment attraction is less than the target and the high-risk provider (500) has to cancel low-risk investment attraction.

  The low-risk investment opinion stage is a stage 1 in which the inventor (300) or the high-risk enterprise (500) sets a low risk investment opinion period; When the consumer 100 makes a low-risk investment during the period of the investment recommendation, the investment information is registered only in the investment reservation state without settlement of the investment price; In the third stage, the server 300 of the present invention, the inventor 300 or the high-risk enterprise 500 determines whether to conduct a low-risk investment business based on the low-risk investment attraction result during the low-risk investment opinion period; And a fourth step in which the customer 100 making the investment reservation makes payment of the investment amount during the low risk investment period.

In order to ensure the accuracy of the low-risk investment opinion survey, it is desirable to allocate more business profits to low-risk investors (400) who participated in the opinion survey than to low-risk investors (400) who did not participate.

  In addition, the high-risk company 500 may go through a preliminary examination process to improve the reliability of the low-risk investment product registered in the system of the present invention. A method for this is to utilize the starch sector and investment intentions of consumers registered with the inventive system, particularly those registered as low risk investors. More specifically, in FIG. 3, a cyber investment market for a business performance evaluation and an investment intention investigation for a customer who has experienced low-risk investment for an investment product introduction portion input by a high-risk investor is separately provided in the server , And only high risk businesses that are rated higher than a certain level and have been recommended by a number of low-risk investors with a high number of low-risk investments are listed on the capital market of the present invention system. To do this, a rational and fair feasibility assessment method and investment intention survey method should be developed.

In addition, it is possible to open an offline business (entrepreneur) briefing session for low-risk investors, as in the case of existing business briefings.

  Prepayments include partial prepayment.

  In addition, the method of low-risk investment includes, for global consumers, low-risk investment through a single global site, but the date of delivery of the pre-paid reservation purchase through low-risk investment is low Depending on individual and country.

  The advantage of this is that the purchasing of reservations can be done all at once, even though the actual use time of the specific product is different for each consumer, thereby greatly reducing the loss risk and production cost of the producer. This maximizes the economies of scale and allows producers and consumers to share more of the benefits. In this case, the earlier the delivery time is, the more the percentage of advance payment can be reduced or the profit dividend rate can be set higher.

  In addition, low-risk investment products can be supplied to low-risk investors or general consumers at a wholesale price to individuals or companies on the premise of resale within a certain period of time, such as general product sales.

Especially, in the case of books, movies, drama copyrights and products and services that have already been commercialized in foreign languages, it can be a business idea to be listed on the democratic capital market if the license is imported and translated into its native language .

FIGS. 3 and 4 illustrate a web page (S / W) for the selection and input of low risk investment items of low risk investors (400) and high risk investors (500) FIG. 4 is an example chart for applying the technique of the present invention to a book publishing business as a production and operation model, and FIG. 4 is a chart for accumulating points for a business profit contribution item through a low-risk investment by a consumer. FIG. 5 is a matrix briefly explaining the loss risk, loss risk management method and profit opportunity according to roles and roles performed by major members of the system of the present invention.

Hereinafter, Lee Jung-il, the author of the book "The Second Civil Revolution", who is the protagonist of the above two cases, is a virtual high-risk enterprise (500) And a virtual low-risk investor 400, the functions and features of the present invention will be described with reference to FIG.

(Reason for Lee Jong Il's use of the present invention as a high-risk businessman)

  Because traditional publishing systems are at the expense of the publisher's loss risk except for self-publishing, the evaluation of the book's business feasibility depends entirely on the evaluation of the publisher. Therefore, if the author is not a well-known person, it is difficult to get an opportunity to publish. Especially if the book is not a novel.

  Therefore, since Lee Jung Il has no capacity for publishing manuscripts and is anonymous, he could not publish the book in the conventional publishing system. However, since the present invention can easily obtain the publication opportunity, It was published under the same plan as 3. The benefits that authors, publishers and consumers, including those involved in using the present invention, can achieve when compared with conventional publishing systems are as follows.

  First, because the publishing of the risk and profit of publishing is shared with a large number of consumers (mainly experts in the field of books), authors and publishers will have access to world-wide publishing opportunities at no extra cost. do.

  Second, as consumers (especially experts in the field of books), if the value of a book is equal to or better than a bestseller in the same field, purchasing the book "Second Citizen Revolution" for low risk investment is virtually risk- It is much easier to get the chance of publishing than in the conventional way because there is a lot of sales expected because you have a special reason to recommend this book to your relatives. In other words, whether or not a book is published depends on the value of the book, not on the arbitrary judgment of the publisher or the reputation of the author.

  Third, rather than recruiting low-risk investors (400) for publishing books, low-risk investors (400) and customers (general consumers) based on intellectuals and early adopters already possessed by the present invention system (100) of the low-risk investors (400) who are pursuing their own interests can easily achieve sales targets exceeding the break-even point due to the oral marketing of the general consumers (100) It is more likely to earn more sales than in publishing, and the author's name will become more widely known, resulting in greater benefit for authors and publishers.

  Fourth, low-risk investors (400) can participate directly in core fields of business such as evaluation and upgrade of books and translation of foreign languages, rather than participating only in promotion of books as in the prior art, You will be able to publish better books at a lower cost.

Fifthly, it is not only just to publish one book but also it can easily start a publishing company. As a result, not only the publishing profit but also the future growth value of the publisher is evaluated as enterprise value. Therefore, In addition, authors can participate in corporate management.

(Reason and use of the present invention by Hong Gil Dong, a consumer and low-risk investor)

Hong Gil-dong, a professor of finance economics and a financial investment specialist, published a book titled "The 2nd Civil Revolution", which was introduced as a low-risk investment product to attract low-risk investment from consumers at www.FrendCity.com I read the contents.

  The author of this book is a writer who is not an economist but a Korean writer. I do not know much about the creative destructive power that this book will bring to the world in the future. The book was a book with creative destructive power that transformed the world capitalist system into a democratic capitalist system.

  In addition, the book "The Second Civil Revolution" is being sold through the provider server (300) as a low-risk investment product. When the consumer participates in the business as a low-risk investor, Of the shares of the company will be distributed free of charge to invest in various non-profit assets including book purchase.

  In addition, the low-risk investor 400 can cooperate with the seller server 300 through the recommendation of a friend as a cyber merchant, and can use the purchased book as a sale, loan, and advertising medium, Both the inventor (300) and the high risk operator (500) can easily win.

In addition, as Hong Gil-dong estimates, the book "The Second Citizens Revolution" is a book that will easily change the world into an ideal society. At least 100 million tickets will be sold globally in the future as well as business plans. And will be sold as an e-book, so I was confident that investing in the first low-risk investment inducement period would make a lot of money.

  Therefore, according to the order of the low-risk investment items shown in FIG. 3, Hong Gil-dong will transfer the money for supporting the production of 100 books from the item "1) , The deposit is made at the bank A for a fixed period of time, and 50 volumes are input as the current purchase quantity. The funds are automatically withdrawn from the deposit when the consumer purchases the book, as is the case with existing stock purchases. The difference is that a certain percentage of the deposit income (about 10%) is obliged to contribute to the creation of business profit because the bank is responsible for the production support fund for the business with low risk investment. As a reward for this, the provider server 500 accumulates a stock dividend point of 0.5 for the production fund deposit of one volume.

As a consumer, if deposits are deposited in this deposit, they will receive dividends from the inventor (300) while earning high interest from the bank because it is a time deposit. In addition, since it is possible to withdraw money at any time because it is a deposit, the deposit becomes the best financial product that is linked to the purchase of goods and guarantees high risk and high risk. So this deposit makes all the low-risk investors, banks, and high-risk operators (500) make big money.

  Next, Hong Kil-dong chose to subscribe to periodic deposits in the item "Deposit for Supporting Low-Risk Investment Projects" in ②. These deposits are term deposits, such as "money deposits for the production of books", except that consumers are not withdrawn until maturity unless they terminate and the deposit is the same for all low-risk investors. This deposit makes a loan to a company that makes low-risk investments, so consumers get more capital income (investment income), and the bank lends a lot of revenue to the company, so the interest income is stable. So this deposit also makes a lot of money for low-risk investors, banks, and high-risk operators (500).

  Accordingly, the two deposits are referred to as "deposits for low-risk investment business support" or "deposits for the consumer to become capitalists".

The practice of the present invention may further include the purchase of short-term bonds in addition to the purchase of deposits for supporting low-risk investment projects. This involves the consumer lending the production of goods within six months in the form of low risk investments. Specifically, in the form of the deposit purchase shown in FIG. 3, a certain number of commodity production funds or sales funds are borrowed in the form of purchase of short-term bonds. In this regard, the high-risk provider allocates points differentially according to the amount of the purchase of the bonds or the quantity of the corresponding products.

Next, Hong Kil-dong selected 20 books out of the 50 books purchased in ① under the item "Purchase purchased books as products for sale" in item ③. This is a book to be presented to relatives in ⑥, And agreed to use the product for sale for one month to increase business profit. This means that the delivery is delayed for one month. Accordingly, after one month, the company 300 of the invention inputs the name and address of the relatives and the quantity information to be delivered for each person in step 6 so that the company 300 directly delivers the book to the relatives.

Next, Hong Kil-dong selected 29 books out of the 50 books purchased in ① in the item "Accepted Books as Rental Items" in ④, which will be used as a gift for the students in the textbooks of financial economics class from next semester. It is for distribution key. Therefore, the inventor (300) agreed to use this invention for rent for 3 months to increase the business profit until the use of 29 books except the one for self use for teaching. Accordingly, at the end of the rental period, the company 300 of the present invention selected the processing method of the collected books as "delivery to the purchaser" so as to deliver the books to Hong Kil Dong.

  Next, in the item of "Agree to insert the advertisement into the books purchased for sale or rental" by Hong Gil-dong, the advertisement of the 1 book for self-use and 29 books for rental can be displayed among the 50 books purchased in ①. 300) agreed to insert some ads in the margin of the book for business profit. In addition, since it is a small quantity purchase and does not own a company, the contents of the advertisement are determined by the company 300 of the present invention.

Next, in order to receive the dividend of the loss risk hedge and the large business profit, Hong Kil-dong enters the contact information of the relatives in item (7) so that the server server 300 sells a lot of books, so that the server server 300 automatically . The reason is that when a relative purchases the book, the stock dividend point is accumulated two points as in the case of self-purchase according to FIG.

Next, Hong Kil-dong chose to participate in the project promotion team by choosing item ⑧ to help the contents evaluation, contents upgrade and English translation of the book <2nd Civil Revolution> through the use of expert knowledge.

  A further explanation of the low risk investment item of the low risk investor of FIG. 3 is provided in FIG. The point accumulation criterion in FIG. 4 can be applied to all kinds of tangible / intangible products by only changing the numerical value between low risk investment items according to the type of product.

  Table 3 shows an example of the low-risk investment item of the low-risk investor (400) according to the type of the high-risk business for producing the template web page for registering low-risk investment products by the high risk business in FIG. 3. In the actual implementation, May differ slightly depending on the first product. In addition, low risk investment items may be increased or decreased depending on the choice of the inventor (300).

High risk
Types of business Low risk investors' low risk investment items Purchase deposits Own company
Or cooperation
Company
Consumer Goods
Prepay Purchase Relatives
Goods to
Recommendation Sell your purchased product
Use Purchased
Use product for rental Purchased
Advertise in Products
insertion Investment in business etc. Participate in business B2B business and free contents business Applicable Applicable Applicable In kind
follow
Applicable In kind
follow
Applicable In kind
According to Applicable Applicable type
Consumer goods Applicable Applicable Applicable Applicable Applicable In kind
According to Applicable Applicable service
Goods and
Intangible goods Applicable Applicable Applicable In kind
follow
Applicable Non-harmful In kind
According to Applicable Applicable

  As a consumer, the low-risk investor (400) of the present invention can be used as capital goods (capital) for making the same consumer goods, and the income can be further increased.

In addition, deposits are also deposited on the condition that the company is owned or owned by the bank and is borrowed as a bank account, thereby obtaining more capital income than a simple deposit or simple product purchase of the prior art without loss risk, It is very easy to make big money when you join the invention because you are loaned to companies that generate stable deposits almost at zero cost and low-risk investors become stable shareholders.

In the case of deposit products and gift certificates except for the goods or services to be produced by the low-risk investment business, after the consumer accumulates the results of the purchase at least once before the low-risk investment, In the above-mentioned low-risk investment business, it may be possible to make a separate investment in low-risk investment with the purchase of the product or service (pre-paid reservation) of the business to be produced. In this case, the consumer purchases the deposit goods and the gift certificate designated by the system of the present invention many times as many times, and after the points are accumulated, the consumer can divide it into several times to make a low-risk investment. The gift certificate may be issued by a bank or the like rather than a shopping company, or may be a form of cyber money such as a prepaid card.

The present invention can be largely implemented in three forms as shown in Table 3. Accordingly, the low-risk investment items selected by the consumer can be configured into three types as described above. The embodiments of Figures 3 and 4 can be applied in all three forms. However, inserting advertisements into sales products can only be applied to document content items such as books.

In the first embodiment, the present invention is applied to the establishment of a company for B2B business and free content providing business, such as the manufacture, sale and lease of steel, chemical, ship, heavy equipment and semiconductor, It is a technology that is used to attract low-risk investors' low-risk investors in the solving of financing problems and non-profit assets investment of general consumers.

  The second embodiment is a technology used by the present invention to attract low-risk investment of consumers in the manufacture, sale and rental of consumer goods such as books, electronic products, apartments, automobiles, mobile phones, etc., There are no restrictions on startups, M & A companies, or existing companies.

For books, the results of the investment can be linked from publishing to selling, renting, overseas sales, drama and film production. In the case of consumer goods such as mobile phones, investment results can be linked from domestic sales to overseas sales. So low-risk investments in these investments can be very cost-effective.

  The third embodiment of the present invention is to attract low-risk consumer investment and non-profit investment in the production and sale of service products and intangible products such as education, medical care, law, transportation, travel, movies, As a technology to be used, there are no restrictions on entrepreneurs, M & A companies, and existing companies that use this technology.

Investments in education, film, drama, and content can be extended to foreign countries even if the market is dominated by the principle of harvesting. So low-risk investments in these businesses can be very cost-effective.

  The key to easy promotion and success through the use of the present invention is the use of the bank's deposit products sales function, which is the business partner, as the representative identity of the book "The Book That Makes Consumers Become Capitalists". This makes it easier for the high risk provider 500, the inventor 300 and the bank to co-win. This method can be largely carried out in two ways. Banks are preferred by global banks for the sale of books and deposits to consumers around the world.

  First, on behalf of the low-risk investors who will participate in the future, the bank pays the inventor 300 for the book sales target and acquires all the shares of the low-risk investors 400, Through the process of "Book contents upgrade → English translation → recommendation of world famous person → translation of each language → printing of each language version". Through the system of the present invention, As well as promotional products for the sale of time deposits. This is a combination of "a book that makes a consumer become a capitalist" and "a deposit that makes a consumer become a capitalist", creating a synergy with the publicity effect of large deposits.

  This also means that the attracting of the low-risk investment is through the system of the present invention, and the business is dominated by the bank. As a result, consumers' confidence in the system and books of the present invention is enhanced, so that the bank, the invention inventor 300, the high risk enterprise 500 and the low risk investor 400 can easily make big money. Banks may buy books at wholesale prices and sell them to low risk investors (400) at retail prices.

  The second is that the bank has enough loans to the high-risk provider (500) in the business preparation stage for monopolizing the bank-related business, such as "sales of deposits that make consumers become capitalists" And to publicize the advantages of the book and the present invention in order to increase the sales of deposits. Then, the high-risk business operator (500) supplies the bookstore with the upgraded book contents through economists and experts such as economists and the Korean version only after printing a small amount, and then selling, publicizing and exhibiting to the general consumer.

  To this end, it is desirable to place an announcement in front of this book that introduces the merits of the present invention and promotes the great benefit of participating in this book publishing business as a low-risk investor. In addition to this, we can also display advertisements for "bank deposits that make consumers become capitalists." Of course, you can also advertise newspapers with the money raised.

  At the same time, through the present invention, primarily low-risk investors (400) are recruited for Korean-speaking consumers, and the book is also sold to general consumers on the Internet. Through the cooperation of the secured business funds and the low-risk investors and companies, the Korean language translation and the Korean language version printing are performed. Then, the present invention is used to collect low-risk investors (400) To sell books on the Internet. As a result, Korean-speaking consumers, who are the first to participate in low-risk investor recruitment, earn big money. Therefore, if the contents of the book <Second Civil Revolution> are good, both methods make it easy for the bank to succeed. On the other hand, banks that do not participate in this business from the beginning will face the risk of bankruptcy immediately due to the accumulation of deposits.

  First, since the capital market, the deposit market, the loan market, the start-up market, the publicity market, and the production market are fused into one in the consumer market in the consumer market, Even in a business with a high risk of loss, the political, economic, and social power possessed by a large number of consumers, depending on the type of non-profitable assets to be invested by the consumer and the investment method determined by the low-risk investment product, is united as one for the success of the investment business, High-risk investment projects can be easily converted into low-risk investment projects and eventually become risk-free investment projects, so that high-risk businesses, low-risk businesses, the inventors of the invention and nations will jointly win. Thus, the most important factor in the construction and use of the system of the present invention is the composition of the low-risk investment product (that is, the kind of the non-profitable asset to be invested and the designation of the investment method). Accordingly, the present invention can be applied to high-risk businesses such as book publishing, contents (movies, etc.) production, start-ups, development and commercialization of new or new technologies, promotion of large-scale businesses, It is used as the best tool for fund raising, business promotion, talent securing, cooperation business acquisition, and sales securing for successful promotion.

  Second, the best business promotion is the market launch of corporate products, such as the launch of goods or services, rather than the media advertising, as can be seen in the publication of the book, 2nd Civil Revolution. Therefore, an important factor in the success of entrepreneurship is to bring products into the market even if there is no profit in the short term. However, it is difficult to finance the start-up of a person who does not have a network and reputation as in the present invention, but it is also difficult to launch a product because of difficulty in securing talent, securing a cooperative enterprise, and securing sales. The present invention is best used as a starting tool because it solves the problem of launching the product of the entrepreneur very easily if the business model is good.

  Third, with the present invention, even if a high-risk business becomes a low-risk business or a risk-free business, large-scale investment and high technology are required, so that a large-scale business with a large risk of investment loss can be easily succeeded. Increasingly, a good number of jobs are created dramatically. It is therefore used as a tool for creating the best start-up, wealth and jobs.

  Fourth, because consumers can easily participate in low-risk or high-risk, high-income investment projects, all consumers get capital income like a pension and are used as the best means of wealth to make both individuals and countries easily wealthy.

Fifth, since the present invention easily solves the problems of financing and sales and publicity of the enterprise, it functions as an incubator for corporation birth, growth, IPO and M & A, and an enterprise doctor for treating the enterprise disease.

Claims (16)

For e-commerce, e-commerce, including one or more of consumer, low-risk investor, business, and high-risk operators that send and receive information according to e-commerce transactions with the e-commerce server, In a method of operating a capital market system for a system-based high risk business, the consumer and low risk investors are both consumers,

A system user registration step in which a provider server registers and stores system user information from at least one of a general consumer, a low-risk investor, a business site, a high-risk provider, and a provider server owner;
In order to facilitate the business by easily sharing the loss risk and profit opportunity of the high risk business with a large number of consumers on behalf of the high risk enterprise or the high risk enterprise, the server server owner accesses the server server, Risk investment product registration step of registering the low-risk investment product in the provider server using the low-risk investment product;
Low-risk investment product introduction stage that introduces low-risk investment products registered with a provider server to consumers; And
If one or more of the consumers are low-risk investors and engage in low-risk investments, low-risk investments are made by the low-risk investment products on the provider server, and the provider server provides low-risk investment information and investment information A low risk investment phase,
The low-risk investment product registration module 320 may include an introduction area of a high-risk business in which a high-risk enterprise inputs information for at least one of a business name, a business content, a business profit distribution, In order to contribute to the success of the business, it is necessary to purchase financial products, purchase real goods, use the purchased real goods for a certain period of time, use the purchased real products for rental for a certain period, display advertisements on purchased real products, Low-risk investment items that low-risk investors have to enter in order to participate in low-risk invest- ments, as well as information on one or more of the following: S / w module for low risk investment product registration; A method of operating a democratic capital market system for Internet-based high-risk businesses. The method according to claim 1,
A physical commodity registration step of registering real commodity information on a server server for selling a real commodity introduced by a high-risk provider in a low-risk investment commodity introduction to a consumer;
A physical merchandise sales stage in which a business server receives sales information or rental information of a real product from a consumer; And
A business profit distribution step in which a business server provides business profit distribution information to a low risk investor, a provider server owner, and a high risk enterprise; and a method of operating a democratic capital market system for an Internet based high risk business.   3. The system of claim 2, wherein the selling of the general merchandise further comprises receiving information on sale or rental of the real merchandise from the business site by the server of the company. Operating method.   The method according to claim 3, wherein the type of business profit allocated to the low-risk investor, the server server owner, and the high-risk enterprise in the business profit distribution step is cash, high stock company's stock, Of the stocks of the stock market. The method of operating a democratic capital market system for Internet-based high-risk business.   4. The method according to claim 3, wherein when the physical merchandise to be rented in the merchandise selling step is a tangible merchandise designated as a rental merchandise for a predetermined period of time, Providing a loan to a business site and providing rental item delivery information to a low-risk investor; A method for operating a democratic capital market system for Internet-based high-risk businesses. The method according to any one of claims 2 to 5, wherein, in the business profit dividing step, the business profit dividing method for the low-
Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contact, contact person's recommendation to purchase real goods; And (2) a method of operating a democratic capital market system for Internet-based high-risk businesses, characterized in that it is based on the achievements contributed to high-risk businesses by one or more of the following. The method according to any one of claims 2 to 5, wherein, in the business profit dividing step, the business profit dividing method for the low-
Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contact, contact person's recommendation to purchase real goods; The method of operating a democratic capital market system for Internet-based high-risk business, characterized in that the quantity of the physical commodity or the sales amount of the physical commodity is based on one or more of the above.   The method according to claim 6 or 7, wherein the low-risk investment through the low-risk investment stage is attracted twice or more for the same business, and a method for operating a democratic capital market system for an Internet-based high-risk business. For e-commerce, e-commerce, including one or more of consumer, low-risk investor, business, and high-risk operators that send and receive information according to e-commerce transactions with the e-commerce server, In a capital market system for system-based, high-risk business, the consumer and low-risk investors are both consumers,

System user registration means for registering and storing system user information from one or more of a general consumer, a low risk investor, a business site, a high risk enterprise, and a business server owner;
In order to facilitate the business by easily sharing the loss risk and profit opportunity of the high risk business with a large number of consumers on behalf of the high risk enterprise or the high risk enterprise, the server server owner accesses the server server, Risk investment product registration means for registering a low-risk investment product in a provider server using the low-risk investment product;
A means of introducing a low-risk investment product to introduce a low-risk investment product registered with a provider server to the consumer; And
If one or more of the consumers are low-risk investors and engage in low-risk investments, low-risk investments are made by the low-risk investment products on the provider server, and the provider server provides low-risk investment information and investment information A low risk investment means,
The low-risk investment product registration module 320 may include an introduction area of a high-risk business in which a high-risk enterprise inputs information for at least one of a business name, a business content, a business profit distribution, In order to contribute to the success of the business, it is necessary to purchase financial products, purchase real goods, use the purchased real goods for a certain period of time, use the purchased real products for rental for a certain period, display advertisements on purchased real products, Low-risk investment items that low-risk investors have to enter in order to participate in low-risk invest- ments, as well as information on one or more of the following: S / w module for low risk investment product registration; Democratic capital market system for Internet-based high-risk business. The method according to claim 1,
A physical commodity registration means for registering real commodity information on a server server for selling a real commodity introduced by a high risk enterprise in a low risk investment commodity introduction to a consumer;
A physical merchandise sales means for receiving information on sale or rental of physical merchandise from a consumer; And
And a business profit allocation means for providing the business profit distribution information to the low risk investor, the provider server owner, and the high risk enterprise by the business server, and the demographic capital market system for the internet based high risk business.  11. The system of claim 10, wherein the physical merchandise selling means further comprises means for receiving information on sale or rental of physical merchandise from a business site by a business server. .   12. The method of claim 11, wherein the type of business profit allocated to the low risk investor, the server server owner, and the high risk enterprise in the business profit dividing means is cash, high stock company shares, Of the stock market in the United States.   12. The method as claimed in claim 11, wherein when the physical merchandise to be borrowed from the merchandise selling means is a tangible merchandise designated as a borrowed merchandise for a predetermined period of time, A lending commodity collecting means for providing lending commodity delivery information to a low risk investor, The system further comprising: a demographic capital market system for Internet-based high risk businesses. 14. The method according to any one of claims 10 to 13, wherein, in the business profit dividing means, the business profit dividing method for the low-
Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contact, contact person's recommendation to purchase real goods; Based capital market system for high-risk Internet-based projects, characterized by the performance of high-risk businesses based on one or more of the following: 14. The method according to any one of claims 10 to 13, wherein, in the business profit dividing means, the business profit dividing method for the low-
Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contact, contact person's recommendation to purchase real goods; Based on the quantity of real goods or the sales amount of real goods, based on one or more of the above.   15. The system of claim 14 or claim 15, wherein attracting low-risk investment through the low-risk investment means is at least two times for the same business for the business.

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