KR101982008B1 - Crowd funding system and method - Google Patents

Crowd funding system and method Download PDF

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KR101982008B1
KR101982008B1 KR1020150077663A KR20150077663A KR101982008B1 KR 101982008 B1 KR101982008 B1 KR 101982008B1 KR 1020150077663 A KR1020150077663 A KR 1020150077663A KR 20150077663 A KR20150077663 A KR 20150077663A KR 101982008 B1 KR101982008 B1 KR 101982008B1
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고용기
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오픈트레이드 주식회사
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Abstract

The present invention relates to a crowdfunding system and method, and more particularly, to increase participation by distributing profits to a group of experts providing investment guide information for companies wishing to attract investment through crowdfunding systems. The present invention relates to a crowdfunding system and a method for increasing profitability between a crowdfunding system operator and high-quality investors by selecting high-quality investors with high actual investments, and allocating and sharing fees and fees with the high-quality investors.

Description

Crowd funding system and method {CROWD FUNDING SYSTEM AND METHOD}

The present invention relates to a crowdfunding system and method, and more particularly, to increase participation by distributing profits to a group of experts providing investment guide information for companies wishing to attract investment through crowdfunding systems. The present invention relates to a crowdfunding system and a method for selecting high-quality investors with high real investments and increasing profitability among the crowdfunding system managers and high-quality investors who allocate and share fees and commissions with high-quality investors.

Recently, crowd funding, an investment method that collects funds from a large number of investors by using social media or the Internet, has emerged as a means for corporate funding as well as creative projects such as movies and social benefit projects. It is becoming.

However, such crowdfunding requires the use of the funds raised to ensure that many investors have a clear picture of the project's success or the company's development potential. There is a problem that crowdfunding is difficult to activate because there is no transparent and accurate means.

Conventionally, as disclosed in Korean Patent Laid-Open Publication No. 2000-0050128, the ability to select and analyze securities information of a general investor through real-time information sharing between a group of experts and general investors related to securities trading and real-time investment consultation. A securities investment decision system using the internet and an investment decision method using the same have been proposed.

However, the conventional securities investment decision system using the Internet is suitable for providing investment guide information for a limited number of publicly traded companies, and is directly applied to providing investment guide information for acquiring stocks of an unlisted company that should be made without direct involvement by the securities company. There was a difficult problem.

As a result, there is an urgent need for a new form of platform that enables investors to acquire shares in unlisted companies to obtain growth information of dynamic companies in the real market beyond the static schedule described in the business plan. Even start-ups that are not too long ago are still looking for new ways to reliably raise their money.

In addition, in the past, investors considering investment in a company supporting crowdfunding have decided whether to invest based on investment guide information of a professional group, since most of them are mostly non-specialists.

However, in the crowdfunding system of the related art, even if the expert group provides the investment guide information to the investors, the profits are not distributed, so there is a problem that the participation rate is significantly lower than the companies that are interested or investing.

In addition, the conventional crowdfunding method was able to increase the participation rate of private investors and contribute to the financing of the company, but it was difficult to expect high profitability like the investment system of large securities companies. In order to generate high profitability, it is necessary to increase the investment rate and return rate of high-quality customers with high investment amount, and to increase the commission rate accordingly. However, conventional crowdfunding methods are limited to expect high profitability because of poor customer management.

Korean Unexamined Patent Publication No. 2000-0050128

The present invention has been made to solve the conventional problems as described above, an object of the present invention is to leverage crowd knowledge in the crowd funding system to increase the participation of a group of experts to provide investment guide information to investors A system and method are provided.

In addition, the present invention selects high-quality investors with high actual investment and distributes and shares commissions, including the rate of return, with high-quality investors, thereby further increasing profitability between the crowdfunding system operator and high-quality investors to enable high quality customer management. Its purpose is to provide a crowdfunding system and method.

The present invention includes the following examples in order to achieve the above object.

A preferred embodiment of the crowdfunding system according to the present invention

A desired enterprise terminal for transmitting an investment attraction request signal including a target investment attraction amount; An intermediary server that receives the investment invitation signal of the enterprise terminal and posts the company information and the investment invitation of the enterprise terminal online; An expert terminal which checks the company information of the enterprise terminal through the intermediary server and provides investment guide information for investors to refer to when investing; And an investment terminal for investing in the corresponding company through the intermediary server with reference to the enterprise information posted through the intermediary server and the investment guide information of the expert terminal. The revenue generated by the amount is distributed to the expert terminal according to the set profit distribution criteria, and the premium investors are selected according to the investment amount and the return rate of the individual investors, and the commissions including the excellent investors and the yield are characterized in that the distribution.

In another embodiment of the present invention, the profit sharing standard is different according to the expert group, the funding system operator and the good investor, the expert group has a history of providing the investment guide information, the investment attracted amount of the company The funding system operator and the superior investor may be set up according to the participation of each investor or expert terminal or the funding amount of the corresponding company, or for various applications according to the design or need of other operators. It is characterized by.

In another embodiment of the present invention, the mediation server includes a communication unit for communicating with the investment terminal, the expert terminal and the enterprise terminal; A user authentication unit configured to perform authentication when the investment terminal, the expert terminal, and the enterprise terminal are joined and connected; A settlement unit configured to calculate profits of the expert terminal and the investment terminal according to the profit distribution standard; A funding unit that receives the investment of the investment terminal and monitors investment status information for each investment terminal and investment status information for each enterprise in real time; A data retrieval unit for retrieving data of a database unit which stores investment history and investment status information of investors through the investment terminal or information posted online; An information registration unit for registering investment guide information of the expert terminal, company information of the enterprise terminal, investment status and investment attraction status information of the funding unit on the main homepage; And controlling the information registration unit to post investment status information and investment attraction information generated by the funding unit and investment guide information received from the expert terminal, and controlling the settlement unit to calculate the profits of the expert terminal and the investment terminal. And it characterized in that it comprises a control unit for controlling to distribute.

In another embodiment of the present invention, the mediation server further includes a corporate management unit for generating a sub home page on the corporate terminal and posting the information received from the corporate terminal on a sub homepage in a timeline manner in which time zones are recorded. Characterized in that.

In another embodiment of the present invention, the mediation server comprises: an account management module for establishing a cyber account for storing profits and deposits of the investment terminal and the expert terminal; A profit calculation module that calculates profits of the investment terminal and the expert terminal according to the profit sharing criteria; And a profit sharing module for distributing the amounts of money calculated by the profit calculation module to general cyber investors, high-quality investors, and the expert terminal to each cyber account.

In another embodiment of the present invention, the intermediary server is characterized in that it further comprises a commission calculation module for calculating the commission in accordance with the criteria set at the time of investment of the investment terminal.

In another embodiment of the present invention, the intermediary server compares the actual investment amount of the respective investors with the preset reference investment amount, and the actual investment amount is greater than the preset reference investment amount, or the total investment amount is actual. The investment amount ratio may be calculated to select investors as the superior investors whose ratio of the actual investment amount to the total investment amount is higher than a preset ratio.

In another embodiment of the present invention, the mediation server includes a company registration module for generating a sub homepage for posting information transmitted from the company terminal; A corporate classification module for classifying an industry type, a business type, and a technical field of the corporate terminal and applying the same to the enterprise registration module; And a corporate information management module for posting new information or updated information from the corporate terminal to the sub homepage.

In another embodiment of the present invention, the intermediary server extracts the expert terminal and the investment terminal registered as the company of interest as a potential investor, and includes new information, renewal information, and investment attraction status information of the company of interest. It further comprises a module of interest extraction for generating and sending a message.

The method of distributing revenue to a group of experts includes a registration step in which an expert terminal, an investment terminal, and an enterprise terminal register and register through a homepage operated by an intermediary server; A company information providing step of posting company information and investment attraction application information received from the company terminal registered in the registration step; An investment guide step of an expert for providing investment guide information received from the expert terminal after the corporate information providing step to an investment terminal through a homepage and a social network service (SNS), and storing an investment guide information providing history of the expert terminal. ; An investment reception and funding operation step of operating funding after receiving an investment from the investment terminal in the investment guide step of the expert; And a profit distribution step of distributing the revenue generated in the funding operation step to the expert terminal according to a set profit distribution standard.

In another embodiment of the present invention, the revenue distribution criteria may be to distribute the profit to the expert group according to the history of providing the investment guide information, the investment amount of the corresponding company, the valuation or commission of the investor. .

In another embodiment of the present invention, the registration step is characterized by generating a sub-webpage for posting corporate information to the corporate terminal, and opening a cyber account to the expert terminal and the investment terminal.

In another embodiment of the present invention, the corporate information providing step, when the professional terminal and the investment terminal registers the enterprise terminal as a company of interest, extracts the expert terminal and the investment terminal as a potential investor new to the enterprise terminal It is characterized by transmitting the presence or absence of information and updated information to a social network service (SNS).

In another embodiment of the present invention, the investment acceptance and funding step, when the investment of the investment terminal is received, the investment status information on the investment terminal information to the expert terminal and the investment terminal that registered the company as the interested company (SNS) (Social Network Service) It characterized in that the transmission.

In another embodiment of the present invention, the investment acceptance and funding step, the investment attraction status information for each company, the total amount of investment reserves of all companies subscribed, and the enterprise investment attraction status information of the same field classified according to the set criteria It is characterized by posting in real time monitoring the homepage.

In another embodiment of the present invention, the investment guide step, the company information request receiving step of receiving a company information request signal of the expert terminal; A corporate information transmitting step of transmitting corporate information to the expert terminal; Receiving and providing investment guide information for providing investment guide information received from the expert terminal to the investment terminal through a sub homepage of the corresponding company and a social network service (SNS); And a history storing step of storing history information of providing investment guide information of the expert terminal.

In another embodiment of the present invention, in the investment guide step, the expert terminal transmits investment guide information by using a social network service (SNS), and if the investment guide information is transmitted, registering the relevant company as an interested company It is characterized by transmitting a message indicating that the investment guide information is provided to the expert terminal and the investment terminal.

The method of distributing profits between crowdfunding system operators and high-quality investors is to use the intermediary server to disclose company information received from each corporate terminal online and receive investments, as well as investment amount and return rate of individual investors. Selecting the best investors according to the method and allocating a fee including the yield rate with the good investors; Private investors using the investment terminal to check the company information posted on the intermediary server and selectively investing; And providing investment guide information to the investment terminal by checking the company information posted by the intermediary server.

In another embodiment of the present invention, the revenue distribution criteria are set according to the participation of each investor or expert terminal or the funding amount of the corresponding company, or as various applications according to the design or need of other operators, and the funding system operator and It is characterized by enabling the distribution of profits to good investors.

In another embodiment of the present invention, the step of allocating a fee with the excellent investors, comparing the actual investment amount of each investor with a predetermined reference investment amount, or calculates the ratio of the actual investment amount to the total investment amount The superior investors are separately selected according to the comparison and the calculated results, and the selected excellent investors are configured to allocate and share fees and returns by applying a predetermined fee rate.

In another embodiment of the present invention, the step of allocating a fee with the high-quality investors, the method comprising: communicating with the investment terminal, the expert terminal and the enterprise terminal; Performing authentication upon joining and accessing the investment terminal, the expert terminal, and the enterprise terminal; Accepting the investment of the investment terminal and operating funding; Retrieving data of a database unit that stores investment history and investment status information of investors through the investment terminal or retrieved information posted online; Compare the actual investment amount of each investor with a preset reference investment amount or calculate the ratio of the actual investment amount to the total investment amount while calculating and distributing the fees and profits of each investor separately and separately according to the comparison and the calculated result Selecting investors, wherein the selected excellent investors include applying and setting a predetermined fee rate to allocate and share the fee and the rate of return.

In another embodiment of the present invention, the step of distributing the fee and the rate of return by applying the separate fee rate, comparing the actual investment amount of the respective investors with the predetermined reference investment amount or actual compared to the total investment amount Selecting the excellent investors according to a result of calculating the ratio of the investment amount; Calculating a fee and a rate of return by calculating a fee according to a criterion set for the investment amount of the investment terminal, and by applying a predetermined fee rate; Calculating the profits of the general investors and the superior investors according to a preset profit sharing standard, and distributing the profits of the general investors, the superior investors and the expert terminal, respectively.

In another embodiment of the present invention, the excellent customer selection step, the actual investment amount of each of the investors compared to the predetermined reference investment amount, the actual investment amount is greater than the predetermined reference investment amount, or the total investment By calculating a ratio of the actual investment amount to the amount of money, the investors with higher ratio of the actual investment amount to the total investment amount than the predetermined ratio are selected as the superior investors.

In another embodiment of the present invention, the commission calculation step, the commission rate of the high-quality investors are set higher or lower than the commission rate of the general investors, the superior investors apply the predetermined fee rate of the predetermined predetermined fee and return rate In addition to the calculation and settlement of fees from the excellent investors are characterized in that a separate revenue.

The present invention can distribute the profits to professionals who provide investment guide information to advise investors can increase the participation of experts, making a safer investment for investors, promising companies to secure a target amount It can be effective.

In addition, the present invention by selecting and managing high-quality investors with high real investment, can increase the loyalty and participation rate of the good investors, expect higher investment rates and returns, by allocating and sharing fees and other returns with high-quality investors, It is effective to increase profitability between crowdfunding system operators and good investors.

1 is a view for explaining the outline of the crowdfunding system and method according to the present invention,
2 is a block diagram showing an intermediary server in a crowdfunding system according to the present invention;
3 is a block diagram showing a database included in a crowdfunding system according to the present invention;
4 is a flowchart illustrating a crowdfunding method according to the present invention;
5 is a flowchart illustrating an investment guide step in a crowdfunding method according to the present invention;
6 is a diagram illustrating a search result of corporate information in a crowdfunding method according to the present invention;
7 is a view showing a sub homepage in a crowdfunding method according to the present invention;
8 is a view showing an example of the investment status information in the crowdfunding method according to the present invention.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of a crowdfunding system and method according to the present invention will be described in detail.

1 is a view for explaining the outline of the crowdfunding system and method according to the present invention.

Referring to FIG. 1, the present invention relates to a crowdfunding system and method for attracting investment from investors by exposing company information of a start-up company, a preliminary founder, or a company in need of funds through online.

The crowdfunding system according to the present invention receives the company information received from each enterprise terminal 400 through online and accepts investments, and also selects the best investors according to the investment amount and the return rate of the individual investors, the excellent investors And mediation server 100 for allocating and sharing fees, including a rate of return and the like, investment terminal 300 for selectively investing by checking the company information posted on the mediation server 100, and in the mediation server 100. It includes a professional terminal 200 for providing investment guide information to the investment terminal 300 by checking the posted company information.

Here, the expert terminal 200 is composed of professionals having expertise in the fields of stocks, finance, real estate, management, intellectual property, technology, law, and education, and is a start-up company that hopes to attract investment posted by the intermediary server 100. Or, check the company information, including the business plan of the prospective founder, and provide investors with investment guides that include considerations when investing. The investment guide, for example, profitability, risks, considerations, business plans, intellectual property rights, market trends, needs analysis of related markets, similar product information, related product information, infringement And opinions relating to entrepreneurship items.

The investment terminal 300 is a terminal device of an individual or a company-related investor who selectively invests with investment funds. The investment terminal 300 includes company information posted through the intermediary server 100 and investment guide information provided by the expert terminal 200. Check and invest in the company through the intermediary server (100). Here, the investment terminal 300 may invest in a desired company by depositing a predetermined cost in the intermediary server 100.

The intermediary server 100 receives the hope of attracting investment of the corporate terminal 400, and posts corporate information including the business plan, items, workforce status, and possessed technology of the corresponding company on the main homepage, and the investment terminal 300. To attract investment. In this case, the intermediary server 100 selects excellent investors by comparing the investment amount and the return rate of each investor with a predetermined reference investment amount and the reference return amount, and distributes the fees including the selected excellent investors and the return rate and the like. Share. Therefore, each investment of the investment terminal 300 to receive a fee according to the set criteria.

In more detail, the intermediary server 100 receives the basic fee according to the basic fee rate set for each investment of investors investing using the respective investment terminals 300 and proceeds with the funding and investment procedure. Thereafter, the return rate is calculated and distributed according to the investment result. In this case, the intermediary server 100 compares the actual investment amount of each investor with a preset reference investment amount or calculates a ratio of the actual investment amount to the total investment amount. And separately select excellent investors according to the calculated results, and the selected excellent investors allocate and share fees and returns by applying a predetermined fee rate.

In addition, the intermediary server 100 checks the degree of participation (eg, investment guide information providing history) of the expert terminal 200 to collect some of the profits (for example, fees) according to the investment attraction of the corresponding company. It may be distributed to the expert terminal 200. This is a method for increasing the degree of participation of the expert terminal 200, and may be set according to the investment guide information providing history of the expert terminal 200, the investment inducement amount of the corresponding company, the evaluation or the fee of the investor.

Here, the mediation server 100 distributes the revenue of the expert terminal 200 according to the set revenue distribution criteria. For example, the profit distribution standard may be set according to the history of providing the investment guide information, the investment inducement amount of the corresponding company, the valuation or the fee of the investor. Such revenue distribution criteria are not limited to the above examples as various modifications are possible depending on the intention of the operator or the designer.

Detailed configuration of the intermediate server 100 will be described in detail with reference to FIG. 2. 2 is a block diagram illustrating an intermediary server 100 in a crowdfunding system according to the present invention.

Referring to FIG. 2, the mediation server 100 may include a communication unit 110 that communicates with the investment terminal 300, the expert terminal 200, and the enterprise terminal 400, and the investment terminal 300 and the expert terminal. Information for registering the information transmitted from the user authentication unit 160 and the corporate terminal 400 and the expert terminal 200 at the time of joining and accessing the 200 and the corporate terminal 400 on the main homepage. A registration unit 170, a company management unit 180 that registers corporate information of the enterprise terminal 400, a funding unit 130 that receives the investment of the investment terminal 300 and operates the funding, and a database unit ( Data retrieval unit 140 for retrieving the data of the 190 or posted information online, the settlement unit 120 for calculating and distributing fees and profits of each investor, and the controller 150 for controlling each configuration ), The history of providing investment guide information of the expert terminal 200 and It includes a database 190 for storing the information of the investments party terminal (300).

The communication unit 110 communicates with the enterprise terminal 400, the investment terminal 300 and the expert terminal 200. Here, the investment terminal 300 and the expert terminal 200 may be applied to any terminal capable of internet such as a desktop computer, a notebook computer, a PDA, a smart phone, and a PDP.

In addition, the communication unit 110 receives an account of the message transmitted from the intermediary server 100 in the expert terminal 200, the investment terminal 300, and the enterprise terminal 400, using an SNS (Social Network Service) such as Twitter or Facebook. If you are registered as an account, send a message in the appropriate format.

To this end, the communication unit 110 is configured to enable mobile communication and / or Internet communication. This generally omits the description as it applies a known configuration.

The settlement unit 120 calculates a profit based on a commission calculation module 121 for calculating a fee according to a criterion set for the investment amount of the investment terminal 300 and a set profit distribution criterion of the expert terminal 200. Revenue calculation module 122, a revenue distribution module 123 for distributing revenue to the expert terminal 200, and an account operation module for transferring or accumulating deposits of the investment terminal 300 and expert terminal 200 ( 124) and a good customer selection module 125 for selecting the good investors.

The fee calculation module 121 calculates a fee according to a criterion set for the investment for each company of the investment terminal 300 under the control of the controller 150 and calculates a fee from the deposit. In addition, the commission rate of high-quality investors is set higher or lower than the commission rate of ordinary investors, and the high-quality investors calculate and settle fees and returns by applying the above-specified separate commission rate, and the fees from high-quality investors are separate. Set it as revenue.

When the investment terminal 300 transfers an investment deposit to an account designated by the crowdfunding system, for example, virtual money equal to the actual amount is deposited in the cyber account operated by the operating account module. Therefore, the fee calculation module 121 calculates a fee set for each investment of the investment terminal 300 from the deposit of the cyber account.

The revenue calculation module 122 calculates revenue according to the profit distribution condition of the expert terminal 200. In this case, the profit distribution condition is set according to the degree of participation of each investor or expert terminal 200 set by the control of the controller 150 or the funding amount of the corresponding company as described above, or varies according to the design or need of other operators. It can be set as an application.

The revenue distribution module 123 accumulates the revenue of each expert terminal 200 calculated by the revenue calculation module 122 in the cyber account and stores it in the database 190.

The account operation module 124 opens a cyber account of the expert terminal 200 and the investment terminal 300, and virtualizes the expert terminal 200 and the investment terminal 300 accumulated by the revenue distribution module 123. Settle the total amount of money. Here, the account operation module 124 transfers from the actual financial account specified in the mediation server 100 to the financial account set in the expert terminal 200 and the investment terminal 300, and calculates the virtual currency of the cyber account.

The superior customer selection module 125 compares the actual investment amount of each investor with a preset base investment amount, and calculates a ratio of the actual investment amount to the total investment amount or the total investment amount by more than the preset base investment amount. Investors are selected as those investors whose ratio of actual investment to value is greater than a preset ratio (eg 5% of total investment).

The funding unit 130 operates the funding with the investment investment of the investment terminal 300. For example, the funding unit 130 operates the funding by purchasing the stock of the selected company as the investment of the investment terminal 300 or buying the stock according to the sell order of the investment terminal 300.

Here, the funding unit 130 accumulates and stores the investment reception module 132, which receives the investment of the corresponding company, and the received investment terminal 300 and the investment status information of the company for funding for the start-up company or the preliminary founder. Statistics module 133, and the interest extraction module 131 to check the expert terminal 200 and the investment terminal 300 to register a particular company as the interested company to calculate as a potential investor.

The investment reception module 132 receives an investment reception signal including a company and an investment amount selected by the investment terminal 300 and applies the investment reception signal to the statistical module 133 and the controller 150. In addition, the investment reception module 132 accumulates investment status information of the investment terminal 300 included in the investment reception signal and stores the investment status information in the database 190. For example, the investment status information of the investment terminal 300 accumulates and stores the amount invested in the investment terminal 300, the list of companies and the total amount.

In addition, the investment acceptance module 132 accumulates the investment investment status information for each company and stores it in the database 190. The investment investment status information for each company lists the investment terminal 300 and the investment amount for each company, and includes the total amount of the accumulated investment.

The statistical module 133 calculates statistical values to accumulate and output real time on the main homepage the investment status of the entire enterprise terminal 400 subscribed to the mediation server 100. That is, the statistical module 133 accumulates and monitors the total amount of investment reserves for each company, the total amount of investment reserves for each technical field, and the total amount of investment reserves for each company in real time to monitor the main homepage through the information registration unit 170. (See Fig. 8).

The interest extraction module 131 extracts the expert terminal 200 and the investment terminal 300, which register the enterprise terminal 400, which is desired to attract investment, from the main homepage as the interested company as potential investors. The potential investor refers to an expert terminal 200 and an investment terminal 300 that are not currently invested in the corresponding company, but have high possibility of providing future investment and investment guide information as set as the interested company. Therefore, the interest extraction module 131 is a social network service (SNS) or mail to the expert terminal 200 and the investment terminal 300 extracted as potential investors when new information of the corresponding company is posted through the information registration unit 170 in the future. Request to send a message to which new information is posted.

The data retrieval unit 140 retrieves information stored in the database 190 under the control of the control unit 150. In addition, the data search unit 140 is preferably composed of a search engine that can search not only the database 190, but also information posted on the portal site and other online.

The user authentication unit 160 is a member registration of the investment terminal 300 and the expert terminal 200, and proceeds to the member registration process of the enterprise terminal 400. In this case, the user authentication unit 160 performs user authentication through a certification authority (for example, a mobile communication company or an authorized certification authority) in the process of joining the investment terminal 300, the expert terminal 200, and the member terminal. Input ID and password and user information (for example, personal information and financial account of the investment terminal 300, personal information and financial account of the expert terminal 200, financial account and company name, address of the corporate terminal 400) ). In addition, the user authentication unit 160 grants access in comparison with registered user information whenever the investment terminal 300, the expert terminal 200, and the enterprise terminal 400 are connected.

The information registration unit 170 registers the information transmitted from the investment terminal 300 and the expert terminal 200 on the main home page. In addition, the information registration unit 170 applies the information of the expert terminal 200 and the investment terminal 300 to register the company that wishes to attract investment from the main homepage to the interest extraction module 131. In addition, when the investment guide information of the expert terminal 200 is provided through the main homepage or the sub homepage, the information registration unit 170 generates a history of providing investment guide information and stores it in the profit DB 196.

The corporate management unit 180 generates and allocates a storage capacity of a sub homepage and a database 190 for posting its information in the main homepage to a corporate terminal 400 that wishes to attract investment. ), A corporate classification module 182 for classifying and registering by type of business, type of business, and technology of the corporate terminal 400, and storing information transmitted from the corporate terminal 400 in the database 190, Includes a corporate information management module 183 posted in.

When the corporate classification control signal is received from the control unit 150, the enterprise classification module 182 may include a business type, a technology field, and a size and type of the company (for example, a new start-up company, a pre-founder, or a venture company). ) Is classified and outputs a corporate classification signal to the company registration module 181.

The company registration module 181 allocates a capacity of the company DB 193 to store information transmitted from the corresponding company terminal 400 of the database 190, and is linked to the main homepage to be connected to the main homepage 400. ) Will create a sub-homepage where you can post any information. In this case, the company registration module 181 classifies and registers the business type or the type of business of the company according to the company classification signal received from the company classification module 182.

The enterprise information management module 183 checks whether the information is posted on the sub homepage allocated to the corporate terminal 400, requests registration through the information registration unit 170, and prepares the information posted on the sub homepage. It provides documentation, image generation and conversion program for presentation.

Herein, the enterprise information management module 183 records the information transmitted from the enterprise terminal 400 on the sub homepage in a timeline manner in which time information is recorded for each time zone, and the main homepage through the information registration unit 170. Request registration to work with

Similarly, the enterprise information management module 183 posts the investment guide information transmitted from the expert terminal 200 to the sub homepage, requests the registration to the information registration unit 170 to output the investment guide information in association with the main homepage. To be able. An example of the sub homepage is illustrated in FIG. 7.

Referring to FIG. 7, in the sub-homepage, all information related to a corresponding company such as information of the corporate terminal 400 and the amount of attracted investment and conditions for attracting are posted in a timeline manner. The information on the sub homepage is included in the investment information amount received from the funding unit 130 under the control of the control unit 150 and the information transmitted from the corporate terminal 400 in the corporate information management module 183. It is converted to fit the set format and posted on the main homepage by the information registration unit 170.

Preferably, the enterprise information management module 183 has an SNS (Social Network such as Facebook or Twitter) for receiving an account for receiving investment information and other messages from the mediation server 100 in the corporate terminal 400. Once registered as an account using a service, a message is created in a format suitable for this and transmitted through the communication unit 110.

The database 190 includes an expert DB 191 storing personal information (name, contact information, specialty field, workplace), cyber account and revenue status of the expert terminal 200, and personal information of the investment terminal 300. And an investor database (192) for storing investment amounts, deposits, revenues and financial accounts, a corporate database (193) for storing sub-web account and corporate information of the corporate terminal (400), and a revenue settlement unit (120). Excellent customer management DB (194) that stores the personal information (name, contact information, specialty, workplace), cyber accounts and revenue status of the excellent customers selected in the excellent customer selection module 125, and investment information by companies and investors And a funding DB 195 in which funding information is stored, and a profit DB 196 in which fees of the brokerage server 100 and profit information of the expert terminal 200 are stored.

The expert DB 191 stores personal information such as the name and contact information of a registered expert and information on a job or a major and a professional field, a financial account and a cyber account, and a profit status.

The investor DB 192 stores personal information such as an investor's name and contact information, and an ID and password, cyber account information including a deposit, a revenue status and a financial account. Herein, the investor and the expert may be the same person or different people.

The corporate DB 193 is a sub homepage account of the corporate terminal 400, social network service (SNS) account information, corporate information (e.g., business type, technology and intellectual property status, company certification, manpower status, sales) , Items, assets, and business plans).

The superior customer management DB (194) stores the personal information (name, contact information, specialty, workplace), cyber accounts and revenue status of the superior customers selected in the excellent customer selection module 125 of the revenue settlement unit 120 and In addition, the commission rate and the settled fee total applied to the selected outstanding customers are stored.

The funding DB 195 stores investment information of the investment terminal 300 and investment attraction information of the enterprise terminal 400. The investment information of the investment terminal 300 includes the investment amount and the total investment amount for each company, and the investment promotion information of the enterprise terminal 400 includes a target amount, the total amount of the investment retention amount and the investor information.

The profit DB 196 stores a history of providing investment guide information of the expert terminal 200, a profit distribution criterion, profits for experts and investors, and a fee collected when the investment terminal 300 is invested.

The control unit 150 controls the user authentication unit 160 when a member registration request signal is received from the expert terminal 200, the investment terminal 300, and the corporate terminal 400 through the communication unit 110. Proceed with membership. In addition, the control unit 150 controls the company management unit 180 to generate a separate sub-homepage linked to the main homepage for each of the registered enterprise terminal 400, and allocates the capacity set in the company DB (193).

When the controller 150 receives new or updated information from the enterprise information management module 183 of the enterprise management unit 180, the controller 150 controls the information registration unit 170 to control related information to be linked to the main homepage. By controlling the communication unit 110, new information is posted on the expert terminal 200 and the investment terminal 300 extracted by the interest extraction module 131, or the entire investment terminal 300 and the expert terminal 200. Controls whether or not to update the set account.

The controller 150 calculates the profit of the expert terminal 200 by checking whether the investment guide information of the expert terminal 200 is provided from the information register unit 170, and the profit allocated to the expert terminal 200. The settlement unit 120 to control the distribution. Similarly, the controller 150 controls the settlement unit 120 to distribute the profit against the investment amount of the investment terminal 300 according to the set criteria.

In addition, when the investment reception signal is received from the funding unit 130, the controller 150 drives the commission calculation module 121 of the settlement unit 120 to calculate a fee and then drives the statistical module 133. By updating the investment status information of the investor and the investment attraction information of the corporate terminal 400 to store in the database 190, and to control the information registration unit 170 to output to the main home page in real time.

When the data search request signal is received from the expert terminal 200, the investment terminal 300, and the enterprise terminal 400, the controller 150 controls the data search unit 140 to search for the requested information. do.

The present invention includes the configuration as described above and will be described in detail below with reference to the accompanying crowd crowding method achieved through the configuration as described above.

In the crowdfunding method according to the present invention, after receiving a request for investment attraction of the corporate terminal 400, the crowdfunding method is posted on the main homepage and the sub-homepage to disclose the corresponding company information, and calculates and distributes the profit according to the activity of the expert terminal 200. Characterized in that. Such features of the present invention will be described with reference to FIG. 4. 4 is a flowchart illustrating a crowdfunding method according to the present invention.

Referring to FIG. 4, the crowdfunding method according to the present invention posts the registration information (S110) of the member and the corporate terminal 400 and the corporate information received from the corporate terminal 400 registered in the registration step (S110). The company information providing step (S120), the investment guide information providing step of the expert providing the investment guide information received from the expert terminal 200 (S130), and operating the funding after receiving the investment from the investment terminal 300 Including investment receipt and funding operation step (S140), and profit distribution step (S160) for calculating and distributing the revenue generated in the funding operation step (S140),

When calculating the profits of the good investors, the method further includes a profit calculation, confirmation, and management step (S150) of selecting the good investors according to the investment amount and the return rate of the individual investors and allocating the fees including the good investors and the yields.

The registration step (S110) is a step in which the control unit 150 registers a member after performing identity verification by controlling the user authentication unit 160 when a member registration request signal is received through the communication unit 110.

The member requestor transmits a member registration request signal through the main homepage operated by the mediation server 100. At this time, the member requester sends his / her personal information necessary for membership registration or his / her ID and password to transmit a member registration request signal.

Therefore, when the member registration request signal is received, the controller 150 performs a user authentication process through the user authentication unit 160. In addition, the user authentication unit 160 may register the financial account and the official certificate of the member requestor for investment and profit distribution.

In addition, the controller 150 controls the account operation module 124 to open a cyber account between the newly joined expert terminal 200 and the investment terminal 300. Accordingly, the account operation module 124 opens a cyber account of the newly joined expert terminal 200 and the investment terminal 300 and stores the cyber account in the database 190.

The corporate terminal 400 accesses the main homepage operated by the mediation server 100 and transmits a subscription request signal to the corporate member. Therefore, when the control unit 150 receives a subscription request signal of the corporate member through the communication unit 110, the controller 150 drives the user authentication unit 160 to perform the authentication process of the corporate terminal 400 and then approves the subscription. .

In addition, the controller 150 applies the corporate information received during the membership registration process of the corporate terminal 400 to the corporate management unit 180. Therefore, the company registration module 181 may post and store information for attracting investment through the company terminal 400 through the online, when the subscription of the company terminal 400 is approved under the control of the controller 150. The sub homepage is created to post the company information stored in the company DB 193 in association with the capacity set in the company DB 193 and the main homepage.

The control unit 150 controls the information registration unit 170 to publish the information registered in the company DB 193 by the company registration module 181 to the main homepage through online. For example, the controller 150 controls the information registration unit 170 to disclose the newly registered company name and its information in the main homepage so that the investment terminal and the expert terminal 200 can check the information. At this time, the control unit 150 accumulates the corresponding companies in the items classified as preliminary entrepreneurs, startup companies (start-up companies) and venture companies, and others according to the classification of the enterprise classification module 182 (see FIG. 6). .

The corporate information providing step (S120) is a step in which the control unit 150 posts the registration and company information of the company that wishes to attract the investment to the investment terminal 300 and the expert terminal 200 by posting on the main homepage. The controller 150 receives an information registration signal from which the company information of the newly subscribed corporate terminal 400 or the new or updated information is received from the previously subscribed corporate terminal 400 from the enterprise information management module 183. Accordingly, the controller controls the information registration unit 170 to register new information on the main homepage.

Herein, preferably, the investment terminal 300 and the expert terminal 200 may be set as interested companies when the information of a company wishing to attract investment is posted through the main homepage. Accordingly, when the controller 150 and the expert terminal 200 receive a request for registration of the interested company, the controller 150 controls and registers the information register 170. In addition, the interest extraction module 131 extracts the expert terminal 200 and the investment terminal 300 included in the signal as a potential investor when the interested company registration signal of the information registration unit 170 is received.

Therefore, the interest extraction module 131 receives text and / or mail when new or updated information of a corresponding company requested to be registered as an interested company is received in the expert terminal 200 and the investment terminal 300 extracted as potential investors. As an investment and investment guide information can be sent to drive the provision.

The investment guide step (S130) is a step of providing investment guide information received from the expert terminal 200 to the investment terminal 300, which will be described below with reference to FIG. 5.

5 is a diagram illustrating an investment guide step in a crowdfunding method according to the present invention.

Referring to Figure 5, the investment guide step (S130) is a company information request receiving step of receiving the enterprise information request signal of the expert terminal 200 (S131), and the company to transmit the company information to the expert terminal 200 Information transmission step (S132), investment guide information receiving and providing step of receiving the investment guide information from the expert terminal 200 to the investment terminal 300 (S133), and the investment guide of the expert terminal 200 And a history storing step (S134) of storing the providing history information of the information.

The corporate information request receiving step (S131) is a step in which the control unit 150 receives a request signal of the enterprise information ED from the expert terminal 200 through the communication unit 110. The expert terminal 200, for example, accesses the main homepage operated by the mediation server 100 and inputs a keyword related to its specialty to request information about a related company.

At this time, the expert terminal 200 can directly access the main homepage and search for corporate information as described above, but the company information is a text using SNS (Social Network Service) by the above-described interest extraction module 131. You can receive or request corporate information through SNS (Social Network Service).

The corporate information transmitting step (S132) is a step in which the controller 150 transmits corporate information to the expert terminal 200. The controller 150 controls the data search unit 140 to search for enterprise information including a keyword input from the expert terminal 200. The data retrieval unit 140 retrieves enterprise information having information including a search keyword requested from the expert terminal 200 from the enterprise DB 193, and the controller 150 controls the data retrieval unit 140. The company information retrieved by the user is transmitted to the expert terminal 200. At this time, an example of the information transmitted to the expert terminal 200 is as shown in FIG. 6.

In the receiving and providing of the investment guide information (S133), the control unit 150 transmits the investment guide information received from the expert terminal 200 through the sub homepage of the corresponding company and the social network service (SNS). To provide. The expert terminal 200 transmits the investment guide information that can help investors considering the investment in the company by checking the company information received in the company information transmission step. The investment guide information may include, for example, similar products and market trends of the company's founding items, potential patent infringement, the existence of similar technologies, differentiation / originality from similar products, and errors or corrections in the business plan. Includes everything you need to consider when investing.

When the investment guide information is received from the expert terminal 200, the controller 150 controls the company information management module 183 to classify the information as investment guide information of the corresponding company. The enterprise information management module 183 stores the investment guide information in the company DB 193.

Here, the expert terminal 200 may also provide investment guide information using a social network service (SNS) such as Twitter or Facebook. At this time, the enterprise information management module 183 checks the investment guide information provided through SNS (Social Network Service) and posts the information on the sub homepage and requests registration through the information registration unit 170.

In addition, the interest extraction module 131 receives the investment guide information of the information registration unit 170 and registers the investment guide information or information providing history to the investment terminal and the expert terminal 200 that registered the corresponding company as an interested company. It is desirable to transmit.

The history accumulation step (S134) is a step in which the control unit 150 accumulates the investment guide information providing history of the expert terminal 200 that sent the investment guide information in the receiving and providing the investment guide information (S133). The information registration unit 170 accumulates the investment guide information providing history of the expert terminal 200 under the control of the controller 150 and stores the history in the profit DB 195.

In this way, the investment guide step (S130) is the expert terminal 200, for example, the opinions on the same field and technology trends and business trends of the new start-up company or preliminary start-up, patent infringement on the business item, market Post a comment on the company's trends on the main website to provide investors with a guide to make more accurate judgments.

In the investment acceptance and funding operation step (S140), when the controller 150 receives an investment acceptance signal from the investment terminal 300, the controller 150 drives the investment acceptance module 132 to receive an investment of the investment terminal 300. And funding through investment.

The investor checks the investment guide and the company information of the expert terminal 200 posted on the intermediary server 100 through his investment terminal 300 to determine whether to invest, and receives the investment reception signal to the intermediary server 100. Send. In this case, the investment terminal 300 transmits an investment reception signal including the name and investment amount of the corresponding company and identification information (eg, ID, name) of the investor.

Therefore, when the investment reception signal of the investment terminal 300 is received through the communication unit 110, the controller 150 drives the investment reception module 132. Therefore, the investment reception module 132 receives the investment reception signal of the investment terminal 300 and stores the investment reception signal in the funding DB 194. In addition, the controller 150 drives the fee calculation module 121 to set the fee from the deposit of the investment terminal 300 according to a set standard and stores the fee in the profit DB 195. .

In addition, when the investment of the investment terminal 300 is received, the statistical module 133 collects investment information for each company and investment information for each investor, which accumulates the total amount of investment deposit of the corresponding company under the control of the controller 150. Accumulated and stored in the funding DB (194).

The information registration unit 170 posts the investment attraction information on the main homepage and updates and posts the investment attraction information of the entire corporate terminal 400. This is illustrated in FIG. 7 as an example.

7 is a diagram illustrating an example of investment attraction information of the enterprise terminal 400 in the crowdfunding method according to the present invention.

Referring to FIG. 7, the information registration unit 170 publishes the final investment attraction information received in real time from the statistical module 133 online. Disclosure of investment attraction information is to classify the entire enterprise by industry or technology sector, and output the ratio of the investment attraction in the same classification from the total investment attraction amount as a graph (see FIG. 7B).

Alternatively, the information registration unit 170 may classify and display investment amount information for each company received in real time from the statistical module 133 for each company (see FIG. 7A).

Here, the interest extraction module 131 transmits investment attraction status information of the corresponding company as an SNS (Social Network Service) or an e-mail to the expert terminal 200 and the investment terminal 300 that registered the investment received company as the interested company. Request to the controller 150. The controller 150 controls to transmit the message generated from the interest extraction module 131 to the expert terminal 200 and the investment terminal 300 through the communication unit 110.

In the revenue calculation, confirmation and management step (S150), the best investors are selected according to the investment amount and the return rate of the investors, and the fees and the like are allocated to the good investors. That is, the intermediary server 100 compares the actual investment amount of each investor with a preset reference investment amount, or calculates the ratio of the actual investment amount to the total investment amount and selects the superior investors separately according to the comparison and the calculated result. Investors will be able to allocate and share commissions and returns by applying a separate set of commission rates. In particular, the mediation server 100 compares and calculates the actual investment amount of each investor by comparing the actual investment amount of each investor with a preset reference investment amount, or calculating the ratio of the actual investment amount to the total investment amount, while calculating and distributing fees and profits of each investor. According to the results of the analysis, the outstanding investors are selected separately, and the selected excellent investors apply a predetermined fee rate to allocate and share fees and returns. In this case, the commission rate of high-quality investors is set higher or lower than the commission rate of ordinary investors, and the high-quality investors calculate and settle fees and returns by applying a separate fee rate, which is pre-determined, and the fees from high-quality investors are paid separately. Can be set as.

The profit distribution step (S160) is a step of calculating and distributing the profits to the expert terminal 200 and the investment terminal 300 according to the criteria set by the controller 150. The controller 150 controls the profit calculation module 122 to calculate the profit of the expert terminal 200 according to a set criterion by driving the profit calculation module 122.

Accordingly, the revenue calculation module 122 may set a predetermined criterion (for example, the fee stored in the profit DB 195 and the number of times of providing investment guide information of the expert terminal 200 or the corresponding company stored in the funding DB 194). The profit of the expert terminal 200 is calculated according to the amount of the investment reserve.

In addition, the revenue distribution module 123 checks the revenue information of each expert terminal 200 calculated by the revenue calculation module 122 and accumulates a deposit in the cyber account of the account operation module 124.

The account operation module 124, when the financial transfer request signals of the expert terminal 200 and the investment terminal 300 are received, the expert terminal 200 and the investment terminal in the actual financial account specified by the mediation server 100; The cash is transferred to the financial account of 300, and the deposit of the cyber account is settled and stored.

Here, the cyber account is an account in which the virtual currency set by the intermediary server 100 is accumulated and can be applied in various forms according to the choice of the operator. For example, the virtual currency may be set at a ratio of 1: 1 with real cash, and may be paid to an actual financial account designated by the expert terminal 200 by the selection of the expert terminal 200, or a discount or invitation ticket and It may be paid in the form of a coupon.

As such, the present invention can facilitate the activities of investment guides by distributing the appropriate profits according to the investment guide information providing history of experts who can advise investors who lack expertise in crowdfunding systems. . As a result, investors can obtain insufficient information as the participation of experts increases, so they can safely make profits because they can make appropriate judgments when investing.

In addition, by selecting and managing high-quality investors with high real investments, they can increase their loyalty and participation rate, expect higher investment rates and higher returns, and share and share fees and returns with high-quality investors. The profitability between managers and good investors can be further increased.

Although the above has been described with reference to embodiments of the present invention, those skilled in the art may variously modify the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. And can be changed.

100: intermediary server 110: communication unit
120: Settlement department 121: Fee calculation module
122: revenue calculation module 123: revenue sharing module
124: account management module 125: excellent customer selection module
130: funding unit 131: interest extraction module
132: investment acceptance module 133: statistics module
140: data search unit 150: control unit
160: user authentication unit 170: information registration unit
180: company management unit 181: company registration module
182: Corporate Classification Module 183: Corporate Information Management Module
190: Database 191: Expert DB
192: Investor DB 193: Company DB
194: Funding DB 195: Revenue DB
200: expert terminal 300: investment terminal

Claims (24)

delete delete delete delete delete delete delete delete delete The crowdfunding method of distributing revenue to a group of experts,
A registration step in which an expert terminal, an investment terminal, and an enterprise terminal apply for membership and register through a homepage operated by an intermediary server;
A company information providing step of posting company information and investment attraction application information received from the company terminal registered in the registration step on a homepage operated by an intermediary server;
After the corporate information providing step, the intermediary server provides the investment guide information received from the expert terminal to the investment terminal through the homepage and SNS (Social Network Service), and stores the investment guide information providing history of the expert terminal. Investment guide step;
An investment reception and funding operation step of receiving an investment reception signal from the investment terminal in the investment guide step of the expert, receiving an investment of the investment terminal by operating an investment reception module, and operating funding through the investment; And
And a profit distribution step of calculating and distributing profits to the expert terminal and the investment terminal according to the profit distribution criteria set by the controller to the profit generated in the funding operation step.Investment of individual investors of the investment terminal in the profit distribution step Selecting the best investors according to the amount or the rate of return, sharing the returns of the good investors with the investment terminal corresponding to the good investors, and allocating fees based on the amount of investment attracted to the enterprise terminal;
The profit distribution criteria may be used to distribute profits to a group of experts according to the history of providing investment guide information, investment amount of the corresponding company, investors' evaluations or fees, and the revenue distribution criteria may be divided into groups of experts and funding system operators. According to different standards, the expert group is set up according to the history of providing investment guide information, investment amount of the relevant company, valuation or commission of the investor, and the funding system manager and the superior investor are each investor. (B) It is set according to the degree of participation of the expert terminal or the funding amount of the corresponding company, or for various applications according to the design or need of other operators,
The corporate information providing step
When the professional terminal and the investment terminal register the enterprise terminal as a company of interest, the expert terminal and the investment terminal are extracted as potential investors, and the presence or absence of new information and updated information of the enterprise terminal is transmitted to the social network service (SNS). In the investment guide step, the expert terminal transmits investment guide information using SNS (Social Network Service), and when the investment guide information is transmitted, the expert terminal and the investment is registered with the expert terminal registered as a company of interest Sends a message to the terminal indicating that the investment guide information is provided.
Create a sub homepage for posting information transmitted from the corporate terminal, classify businesses by classifying the business type, business type, and technical field of the corporate terminal, and when new information or renewal information is received from the corporate terminal, the sub homepage Post to
The investment acceptance and funding step,
When the investment is received from the investment terminal, the investment induction status information is sent to the social network service (SNS) on the expert terminal and the investment terminal that registered the company as a company of interest, and the broker server receives information on the status of investment attraction by company and The total amount of investment holdings of all the companies that have been collected and the status information of enterprise investment attraction in the same field classified according to the set criteria are monitored in real time and posted on the homepage.
The investment guide step
A corporate information request receiving step of receiving a corporate information request signal from the expert terminal; A corporate information transmitting step of transmitting corporate information to the expert terminal; Receiving and providing investment guide information for providing investment guide information received from the expert terminal to the investment terminal through a sub homepage of the corresponding company and a social network service (SNS); And a history storing step of storing history information of providing investment guide information of the expert terminal.
The registration step
The control unit of the intermediary server interlocked with the main home page to create a sub-homepage to post the company information received from the enterprise terminal, and crowdfunding method for opening a cyber account in the expert terminal and the investment terminal.
delete delete delete delete delete delete delete delete delete delete delete delete delete delete
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