KR20170001267A - Method, apparatus and system for trading merchandise - Google Patents

Method, apparatus and system for trading merchandise Download PDF

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Publication number
KR20170001267A
KR20170001267A KR1020150091006A KR20150091006A KR20170001267A KR 20170001267 A KR20170001267 A KR 20170001267A KR 1020150091006 A KR1020150091006 A KR 1020150091006A KR 20150091006 A KR20150091006 A KR 20150091006A KR 20170001267 A KR20170001267 A KR 20170001267A
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investment
item
amount
bond
commodity
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KR1020150091006A
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Korean (ko)
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김광진
정준희
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(주) 모어댄소프트
(주) 지엠솔루션
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Priority to KR1020150091006A priority Critical patent/KR20170001267A/en
Publication of KR20170001267A publication Critical patent/KR20170001267A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
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  • Economics (AREA)
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  • Marketing (AREA)
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  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relate to a device, a method, and a system for trading a product. The present invention enables a user to perform cloud funding for a product as multiple investment, to exchange cash trading necessary for product investment with bond trading, and to generate safe product trading and profits.

Description

[0001] METHOD, APPARATUS AND SYSTEM FOR TRADING MERCHANDISE [0002]

The present invention relates to a commodity brokerage method, an intermediary apparatus and an intermediary system, wherein crowdfunding of a commodity is possible by a plurality of investments, and an indispensable cash transaction accompanying a commodity investment is replaced by a bond transaction, A commodity brokerage method, an intermediary apparatus, and a brokerage system, in which a safe commodity transaction to be paid in cash and an investment in which profits are generated are provided.

If individuals or businesses need funds, they are financing through investment attraction or loans. To do so, we provide collateral or engage in transactions with financial institutions based on creditworthiness. The investor always maintains the viewpoint of return on investment and the risk of return on investment, and the borrower has a burden of repayment of loan and interest payment. Another method of financing is to raise funds through goods, which is a method of cashing through the products that are owned.

Interpersonal transactions are similar to general commodity transactions, and as the use of the Internet and mobile networks becomes more active, commodity trading of peer to peer (hereinafter also referred to as "P2P") becomes active. Each individual is trading in P2P goods through Internet cafes, Internet shopping malls or SNS. The most worrying part of this non-face-to-face transaction is ensuring payment and ensuring the integrity of the transaction product.

As the size of commodity transactions grows, damage cases frequently occur. A representative example of the damage caused by a commodity transaction is when the user does not pay cash, does not pay cash, does not have a problem with the commodity being traded, and so on. For example, it is often the case that the parties involved in the commodity transaction receive only cash or commodities, or other goods are delivered, and the number of cases reported annually in Korea is close to 30,000 and the amount of damages is more than 10 billion It is known.

Existing inter-personal commodity transactions are usually made through Internet cafes, communities, personal blogs, or other websites operated by individuals. The person who wants to sell through the bulletin board presents the information of the goods to be sold and the price, etc., and the buyer confirms the relevant post and directly negotiates between the parties through separate consultation. In these transactions, cash is delivered and goods are delivered as well.

A company providing a market for inter-personal commodity trading only supports the management of the site or blog, and does not provide a countermeasure for various problems occurring in the market of commodity trading. For example, cafes operating in major portals are operated negatively because they do not support formal commerce in cafes.

Some specific sites are introducing services to ensure the stability of interpersonal transactions. For example, certain sites have attempted to introduce escrow services to ensure safe commerce. In contrast to Internet commerce, there are separate transactions in the inter - personal commodity transactions. In order to use the escrows, the commodity trading parties have to make a separate choice. In the case of the small transactions, there is a limit to the application due to the usage fee.

In this way, inter - personal commodity trading through the Internet or mobile space is limited to activation because it is inconvenient for the occurrence and use of various damage cases and the commodity transaction can not be trusted.

Start-up companies are also important in financing, but in fact, it is more important to generate revenue by expanding sales through product sales. However, it is difficult to secure a seller for the start-up company's products.

Recently, commodity trading has increased through the use of the Internet and mobile. However, when using large online markets such as Gmarket, it is difficult to generate profits due to a large commission fee, commission fees, card issuer fees, and additional fees for non-interest transactions.

First, the individual who owns the product and the person who wants to acquire the product try to make non-face-to-face transactions in the virtual space such as the Internet, etc. In case of a problem, This is a difficult problem. Second, an individual who owns a commodity is contacted by a large number of individuals who desire to obtain a commodity, and there is a corresponding hassle. Third, there are divisible products, but it is not easy for several individuals to acquire these divisible products. Fourth, the confirmation of the goods and the payment of the payment in the inter - personal transactions are the most sensitive items between the parties, and it is not possible to guarantee the safe transaction between the parties.

There is a need for a product brokerage method, an intermediary device, and a brokerage system that can overcome various obstacles to the limitation of the activation limit and the inconvenience of such commodity trading.

The present invention has been devised in order to solve the above-mentioned problems, and it is an object of the present invention to provide a product brokerage method, an intermediary apparatus, and a brokerage system that enable a transaction of a safe commodity by mediating a process of confirming a commodity to be traded in a commodity transaction, The purpose of the system is to provide.

Another object of the present invention is to provide a commodity brokerage method, an intermediary apparatus, and a brokerage system in which a plurality of traders can acquire a dividend acquisition and an investment return on the same commodity by utilizing a crowned funding technique.

In addition, the present invention provides a product brokerage method, an intermediary apparatus and a brokerage system that enable the safe payment of investment money on a transaction product through the transfer of a bond and the recovery of a bond through a third party without a cash transaction between trading partners in a commodity transaction, There is a purpose.

Another object of the present invention is to provide a commodity brokerage method, an intermediary apparatus, and a brokerage system that can induce investors' investment in a commodity by making a proposal of a variable investment profit and enable the commodity trade to be positively transacted.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not restrictive of the invention, unless further departing from the spirit and scope of the invention as defined by the appended claims. It will be possible.

According to another aspect of the present invention, there is provided a merchandise broking method comprising: determining whether merchandise investment matching for an item of merchandise including an investment amount and an investment return amount is completed; The step of generating bond information for a commodity item for an investor who has requested an investment for a commodity item when the commodity investment matching is completed, wherein the bond information is created by an operator who manages an intermediary of commodity items as a creditor, A step of generating a bond information, and a step of correcting the bond information according to receipt of the goods receipt confirmation data from the investor's investor terminal, wherein the bond information includes information indicating that the requester of the item item becomes the creditor, And a correction step.

When the product investment matching is made by a plurality of investors, the step of generating the bond information of the product brokerage method generates the bond information for each investor with the amount invested by each of the plurality of investors, The bond information is generated by using the amount invested by each investor as the amount of the bond.

The commodity brokerage method includes receiving a bond redemption request according to the modified bond information from the client terminal of the item item, subtracting the commission from the investment amount according to the request for redemption of the bond, transferring the deducted difference to the account of the requester And transferring the amount deducted from the return on investment by the tax collection to the investor's account after the bond redemption request.

The merchandise mediating method includes the steps of receiving a request for registration of an item of merchandise including an investment amount from the requester's terminal, transmitting a response indicating approval or rejection of the registration request to the requester's terminal, And outputting a bond offer for a commodity item including a determined amount of investment return, wherein the bond offer includes a bond offer output step including an investment amount of the commodity item and an amount of investment profit obtainable at the time of investing the commodity item, Further comprising the step of receiving an investment application for a commodity item from each of a plurality of investor terminals in response to a receipt of a bond, wherein the step of determining the commodity investment matching includes determining a sum of the investment amounts included in the plurality of investment applications, The comparison of the amounts determines whether the matching of the goods investment is completed.

The method further comprises the steps of: receiving an investment application for an item of merchandise including an investment amount from an investor terminal; transmitting to the investor terminal a response indicating approval or rejection of the investment application; Further comprising the step of outputting a product offer for a product item of an investment application and receiving an application for registration of a product item from a terminal of the requester in response to the output product offer, And determines whether the matching is completed by comparing the output goods offer and the registration application.

According to another aspect of the present invention, there is provided an intermediary apparatus for mediating goods, comprising: a data transmitting and receiving unit for transmitting and receiving data through a network; a data transmitting and receiving unit for transmitting and receiving data through a network; And a bond information generating unit for generating bond information on a product item when the product investment matching is completed, for an investor who has requested an investment for a product item, wherein the bond information includes an investor as a creditor, A bond information generating unit for generating a bond information by an operator who manages the bond information, and a bond information maker for correcting the bond information according to receipt of the goods receipt confirmation data from the investor's investor terminal through the data transmission / It is indicated that the requester of the item item becomes the creditor Comprises parts of the bond modification information including the data.

In addition, the data transmission / reception unit of the intermediary apparatus for commodity intermediation receives the bond redemption request according to the modified bond information from the client terminal of the commodity item, and the intermediate apparatus subtracts the commission from the investment amount according to the bond redemption request And a transfer processor for transferring the deducted difference to the account of the requester and transferring the amount deducted from the return on investment by the tax collection to the account of the investor after the bond redemption request.

The intermediary apparatus for mediating goods receives a registration application of a commodity item including an investment amount from a terminal of a requester through a data transmission / reception unit, determines approval or rejection of a registration application, and transmits a response indicating approval or rejection to the data transmission / A bond request issuing unit for sending a request for registration of a commodity item including an investment amount and a determined return on investment amount if approved; And an investment application collecting unit for receiving an investment application for a commodity item from each of a plurality of investors' terminals in response to the output of the collected bonds and an investment application collecting unit, The Product Investment Matching Department is responsible for determining the amount of investment Determine whether the matching of the investment of the goods is completed by comparing the investment amount of the sum and bond offerings.

In order to achieve the above object, an intermediary system for commodity broker includes an intermediary apparatus for commodity brokerage and an operator terminal connected to the intermediary apparatus through a network, and the intermediary apparatus transmits and receives data through a network, An item investment matching unit for determining whether the product investment matching for the item item including the item amount, the amount of investment and the return amount of the investment item is completed, and the information about the item for the item item when the product investment matching is completed, And the receipt information is generated from an investor's investor terminal through a receivable information generating unit and a data transmitting and receiving unit, which are created by an operator who manages an intermediary of a commodity item as an investor, Upon receipt of the confirmation data, The receipt information management unit includes data indicating that the requester of the commodity item becomes the creditor of the commodity item from the investor through the receipt information management unit and the data transmission and reception unit to request the registration of the commodity item including the investment amount to the requester's terminal A registration application processor for receiving approval from or declining a registration application and transmitting a response indicating approval or rejection through the data transmission / reception unit; and, if approved, a receipt for the item including the investment amount and the determined return amount The bond offer output unit includes a bond offer output unit that includes an investment amount of a product item and an investment return amount obtainable at the time of investment of a product item, The investment application for the commodity item from each of the data transmission line And the investment application matching unit determines whether the investment of the product investment is completed by comparing the sum of the investment amounts included in the plurality of investment applications and the investment amount of the bond purchase, To the intermediary device, the registration confirmation data indicating approval or rejection of the application for registration of the item of commodity from the intermediate apparatus, and the registration application processor of the intermediate apparatus confirms the approval or rejection of the registration application in accordance with the registration confirmation data from the operator terminal Decides to reject.

The commodity intermediation method, the intermediary apparatus and the intermediation system according to the present invention as described above have the effect of enabling the safe commodity trading by mediating the process of confirming the commodity to be traded in the commodity trade and the cash transaction process of the commodity.

In addition, the product brokerage method, the brokerage device and the brokerage system according to the present invention as described above have the effect of enabling a plurality of traders to acquire a split acquisition and an investment return on the same product by utilizing the crowned funding technique.

In addition, the commodity brokerage method, intermediary apparatus and intermediary system according to the present invention as described above are capable of safely paying for the trading commodities through the transfer of the bonds through the third party without the cash transaction between the trading parties in the commodity transaction and the recovery of the bonds .

In addition, the product brokerage method, brokerage device, and brokerage system according to the present invention as described above have the effect of inducing the investor's investment in the product with the proposal of variable investment profit and enabling the commodity transaction to be brisked by the transparent transaction.

The effects obtained by the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood by those skilled in the art from the following description will be.

1 is a diagram showing an exemplary system block diagram of an intermediary system for merchandise brokering.
2 is a diagram showing an embodiment of an apparatus for mediating goods and a data flow between terminals.
3 is a diagram showing another embodiment of an apparatus for mediating goods and a data flow between terminals.
4 is a block diagram illustrating an example of an intermediate apparatus.

The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: It can be easily carried out. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing an exemplary system block diagram of an intermediary system for merchandise brokering.

1, an intermediary system includes an intermediary device 100, an operator terminal 200, one or more client terminals 300, and one or more investor terminals 400, . This intermediary system can be omitted from a terminal or the like shown as necessary or according to a design change. For example, the operator terminal 200 may be replaced with or included within the intermediary device 100. Or this intermediary system may further include other devices or terminals not shown as needed.

The merchandise referred to throughout this invention represents goods, property, services, etc., which are tradable in a transaction, except for prevailing cash. The merchandise according to the present invention can be traded and circulated through cash. A commodity can be, for example, a service that can be provided, a thing possessed by it, or a point money possessed by the commodity. The point money may be a virtual point provided by using a specific homepage or a specific service and using the corresponding homepage or using the corresponding service. This point money may be, for example, a mileage point provided by an airline, a mileage point provided by a specific shopping mall, a mileage point provided by a specific mobile communication company, or a mileage point provided by a specific refiner or the like. Or point money may be a mileage point provided through a combination of several shopping malls or service providers. Or point money may be a point provided by an SNS service provider through the use of SNS service activities or additional services.

Referring to each system block of the brokerage system, the brokerage apparatus 100 is a device for brokering various registered products. The intermediate apparatus 100 can operate as a server. The intermediary apparatus 100 is configured to be connected to the network 500 to receive a request or request from external terminals and to transmit a response thereto. The intermediary apparatus 100 may be operable, for example, as an HTTP (Hyper Text Transfer Protocol) server or as a server on a TCP / IP (Transfer Control Protocol / Internet Protocol). The intermediate apparatus 100 will be described in detail with reference to FIG.

The operator terminal 200 is a terminal used by an operator of an intermediary system for managing intermediation of goods. The operator terminal 200 may be stationary or portable. The operator terminal 200 may be a personal PC, a mobile phone such as a smart phone, or the like. The operator terminal 200 is connected to the intermediary apparatus 100 via the network 500 and can register and monitor various information. Here, the operator refers to the entity that manages the intermediary system. The operator can be a business operating a brokerage system.

In particular, the operator terminal 200 transmits to the intermediary apparatus 100 the registration confirmation data indicating whether to approve or reject the application for registration of the commodity item by the requester terminal 300 or the like. Accordingly, the intermediary apparatus 100 can approve or reject the registration application from the client terminal 300 in accordance with the registration confirmation data received from the operator terminal 200.

The client terminal 300 is a terminal that can be used by the requester to request registration, sale or investment of a product through the intermediary system. The sponsor terminal 300 may be stationary or portable. The sponsor terminal 300 may be a personal PC, a mobile phone such as a smart phone, or the like. The sponsor terminal 300 can be connected to the intermediary apparatus 100 through the network 500 and can request the intermediary apparatus 100 to register a commodity item that can be posted and monitor the status such as the completion of investment in the commodity item.

The investor terminal 400 is a terminal that is available to the investor who wants to monitor the posted items through the intermediary system and make investment and / or acquisition of the specific item. The investor terminal 400 may be stationary or portable. The investor terminal 400 may be a personal computer, a mobile phone such as a smart phone, or the like. The investor terminal 400 is connected to the intermediary apparatus 100 through the network 500 and can request an investment application for a specific commodity item.

The operator terminal 200, the client terminal 300 and the investor terminal 400 are provided with a memory for storing a processor and a program therein, and execute a stored program to access the intermediary system, particularly the intermediary apparatus 100, It is possible to perform a function assigned to each terminal for various processes in the terminal.

Various controls performed by the operator terminal 200, the client terminal 300 and the investor terminal 400 for mediating commodity items will be described with reference to FIG. 2 and FIG. 3. FIG.

The network 500 transmits and receives data between the operator terminal 200, the client terminal 300 and the investor terminal 400 and the intermediary apparatus 100. The network 500 transmits and receives data through the Internet including the Internet. The network 500 may comprise a wired network and / or a wireless network and may be configured as a broadband network. The network 500 may also include a mobile communication network provided by a mobile communication carrier.

2 is a diagram showing an embodiment of an apparatus for mediating goods and a data flow between terminals. The data flow of FIG. 2 is a diagram showing a data flow when an individual or a company that owns a product secures cash through funding of a product, an investor of a product acquires a commodity, and wants to earn a profit from the investment.

The data transmitted and received through FIG. 2 and further through FIG. 3 can be transmitted and received through the network 500 in various forms. For example, the data may include the form of the mail, the form of the message, the form (Req) according to the promised format, and the specific data to be transmitted may be configured differently from other data to be transmitted.

First, the requester who wants to register a product registers the commodity in the intermediary system. To register the product, the requester transmits data indicating the application for product registration to the intermediary apparatus 100 through the network 500 using the client terminal 300, and the intermediary apparatus 100 receives it (refer to (1)).

The application for product registration includes various information about the product (hereinafter also referred to as "product information") to provide the product to unspecified investors such as investment, sales, distribution, etc. and includes the amount of investment involved in the transaction of the product. The investment amount represents the total amount invested (paid) by the investor in order to receive the commodity, and may be referred to as the transaction amount in terms of the commodity trading. The product information includes various information for specifying a product such as a name of the product, a product type, and the like. The amount of investment also represents the amount of cash the sponsor would like to receive when offering this product. The application for registration of a product may further include the amount of return on investment that the investor can obtain when investing the product. This investment return amount may be specified by the sponsor terminal 300 or may be specified by the operator terminal 200 or the intermediate apparatus 100. Preferably, the investment return amount is specified by the operator terminal 200 or the intermediate apparatus 100.

In addition, the application for registration of a product may further include a split condition. For example, a product registration application may further include a division condition such as whether the product can be divided, a division unit at the time of division, and the like. This split condition can tell whether the product can be divided and offered to various investors, and also to know the unit of division. Under the terms of this split, the product may be offered to a single investor or to multiple investors.

For example, the requester can request registration to the intermediary system (intermediary apparatus 100) in order to provide 300,000 points of money that the sponsor has, and the data of the application for registration of the product includes the product information for specifying 300,000 points money, Include the amount of investment the client is willing to receive. The amount of the investment can be expressed in terms of the standard amount and the discount rate (3%, etc.) commonly used or specified at the time of trading of a specified commodity or expressed as an amount deducted according to the discount rate. Thus, the investment amount can be expressed in various forms. Further, the data of the product registration application may further include a division condition, and the point money may be set to be divisible, and the division unit may be set to 1000 points or the like.

Here, a party (requester or investor) requesting investment or funding of a product through the intermediary apparatus 100 is preferably subjected to a blind date confirmation process. For example, at the time of creation (member registration) of a user account of a client or an investor in the intermediary apparatus 100, a real name of an individual or a corporation can be confirmed through a process of confirming the real name. Or the intermediary apparatus 100 can confirm the real name of an individual or a corporation through the process of confirming the name of the goods at the time of applying for a product registration (see (1) in FIG. 2) or an investment application (see (1) in FIG. 3).

Verification of blindness can be done through various means. For example, real names are verified using a variety of authentication means such as an official certificate, a credit card, a mobile phone number, and the like.

Upon receiving the product registration application, the intermediary apparatus 100 requests the operator to confirm the registration application. To this end, the intermediary apparatus 100 transmits data (see (2)) to the operator terminal 200 for requesting registration confirmation of the registration application. For example, the intermediary apparatus 100 transmits data indicating a registration confirmation request to the operator terminal 200 through a message, mail, or other connection means.

Upon receiving the registration confirmation request, the operator terminal 200 displays the data of the corresponding product, and the operator refers to the displayed data and confirms the registered product. For example, when the operator terminal 200 displays various kinds of information on the goods, the operator confirms the authenticity through the image of the displayed information. If necessary, the operator may ask the requester for additional data or information, or may obtain further information through contact.

Through the confirmation of the registered product, the operator posts the registered product to the brokerage system and inputs an input indicating whether or not to allow the investor to accept the offer, 200).

The operator terminal 200 generates registration confirmation data upon receipt of an input indicating whether the approval or rejection is made and transmits the registration confirmation data to the intermediary apparatus 100 (see (3)).

The intermediary apparatus 100 generates a response to the product registration application upon receipt of the registration confirmation data and transmits it to the client terminal 300 (see (4)). This response indicates approval or rejection of the application for registration of goods.

If it is approved, the intermediary apparatus 100 registers the receipt of the approved article for the approved commodity on the intermediary system (the intermediary apparatus 100) through reception of the control data by the operator, and outputs the receipt of the receipt ).

More specifically, the intermediary apparatus 100 generates an item item for specifying a commodity for which a commodity registration application is approved. The item item includes the information of the product, the investment amount of the product, the amount of return on the investment (commission), and the condition of division.

The intermediate apparatus 100 generates and outputs data indicating the collection of bonds for this item. The output data of the bond is output through a web page or the like and can be accessed through an external investor terminal 400 or the like. The bond offer data includes various kinds of data about the target merchandise item and includes, for example, the merchandise information, the investment amount, the amount of investment return, and the dividing condition. The bond offer data is output to receive funding from unspecified investors via the item items already provided through the requester.

The investment amount is specified by the requester terminal 300 of the product registration application requester and the investment return amount is specified by the requester or the operator of the intermediation system or automatically. For example, the intermediary apparatus 100 can change the amount of the investment return according to the transaction conditions and change the investment return amount higher than the existing investment return amount to attract a large number of investors. The amount of investment return represents the amount that can be gained as a cash investment to acquire a commodity item. This investment income amount is an amount that the investor can acquire in addition to obtaining the commodity.

The amount of investment and the amount of return can be expressed as an absolute amount from the standard amount or expressed as a percentage. For example, the investment amount can be expressed as a discount rate from the standard amount, and the investment return amount can be expressed as a return on the investment amount.

Bond recruitment data is output through web pages and many investors can check the data of the bond recruitment.

The intermediary apparatus 100 outputs the bond offer data to a plurality of investor terminals 400 and the like via the network 500 and receives data indicating an investment application for the merchandise item of the bond offer data from the investor terminal 400 ). The investment application includes at least the investment amount of each investor, and each investment amount may be equal to or less than the investment amount of the commodity item for which the bond is recruited. The amount of investment represents the amount of funding to be spent to acquire the product.

The intermediary apparatus 100 determines whether the commodity investment matching for the commodity item collected as the receipt of the investment application is completed (refer to ⑦) upon receiving the investment application from the one or more investor terminals 400.

Completion of product investment matching can take two forms. One type is when a specified period of time has come for bond offerings. Another type is when the sum of the investment amount of one or more investors equals or exceeds the investment amount of the bond offerings according to the investment application after posting of the bond offer. Thus, the completion of the product investment matching can be determined by comparing the investment amount of the investment application with the investment amount of the commodity item.

As the product investment matching is completed, the intermediary apparatus 100 transmits data (for example, a message) indicating that the fund transaction (funding) has been completed to the client terminal 300 and further transmits data And transmits data (e.g., a message) indicating that the investment has been made.

In addition, investors transfer the amount of cash to the account of the operator or the account specified in the brokerage system through account transfer. Deposits of investors may be deposited with the investment application (see ⑥).

As the commodity investment matching is completed, the intermediary system (e.g., by the operator) issues a bond representing the bond relationship between the investor and the operator. That is, the intermediary apparatus 100 of the intermediary system generates the bond information for each investor (refer to (v)) according to the operator's control input or automatically as the matching is completed. The bond of the bond information to be generated is issued by the investor as the creditor, the operator who intermediates the commodity item as the creditor, and the investment amount of each investor as the amount of the bond. When a plurality of investors make a commodity investment, the intermediary apparatus 100 generates a plurality of bond information for each investor, and the bond of each bond information is generated by using the investment amount invested by each investor as the bond amount. As mentioned above, each investor transfers the amount of investment according to the amount invested to a designated account such as an operator.

In accordance with the generation of the bond information, the intermediate apparatus 100 transmits (9) data for guiding the completion of the issue of the bonds to the investor terminals 400 investing the commodity item. Further, the intermediary apparatus 100 transmits data requesting the goods transfer to the requester terminal 300. [ The data requesting the transfer of goods includes information about each investor and includes information necessary for the transfer of goods such as contacts and addresses.

In this way, the cash transaction involving the commodity is converted into the bond transaction through the operator, thereby enabling safe and reliable commodity trading.

In response to the request for transfer of goods, the client transfers the goods to each investor who has invested in the commodity for which he has requested the brokerage. For example, the requester transfers the point money through the requester terminal 300 on an online basis, and transfers the point money that can be divided to each investor. Alternatively, the requester can deliver the goods they have through offline. Commodities that can be split are divided and delivered to each investor.

Each investor confirms receipt of the commodity and transmits data indicating receipt confirmation to the intermediary apparatus 100 through the investor terminal 400 (10).

Upon receipt of the data indicating the receipt of the commodity, the intermediary apparatus 100 corrects the corresponding investor's bond information (refer to (11)). That is, the intermediary apparatus 100 corrects the creditor to be the requester of the commodity item from the investor in the corresponding receivable information of the investor who has transmitted the data of the commodity receipt confirmation. In this way, the bond information includes data indicating that the creditor changes from the investor to the requester of the item item, or the change, whereby the bond is transferred from the investor to the requester.

Here, the process of creating and modifying the bonds can be done through authentication, such as through an authorized identity verification server, or by agreement between the parties in the intermediary system.

The intermediary apparatus 100 transmits data indicating that the transfer of the bonds has been completed to the client terminal 300 (see (12)) according to the modification of the bond information.

The requester of the client terminal 300 confirms the completion of the transfer of the bonds and requests the repayment of the bonds issued according to the provision of the commodities (see ⑬).

Upon receipt of the bond redemption request, the intermediary apparatus 100 subtracts the contracted commission from the investment amount of the commodity item in which the commodity investment matching is completed, and transfers the deducted amount to the account of the requester (14). The Commitment Fee is the commission charged at the time of application for registration of the goods or the commission charged at the time of member registration in order to use the brokerage system (device) by the client. For example, a commitment fee represents a certain percentage of the investment amount (for example, 5%).

Further, the intermediary apparatus 100 transfers the amount based on the amount of the investment return to the investor's account after the request for the repayment of the bonds (see ⑮). Specifically, the intermediary apparatus 100 calculates the investment income converted into the investment income ratio of the commodity item with respect to the investment amount invested by each investor, deducts the amount deducted from the tax collection from the investment income amount, and subtracts To the investor's account. An investor's account can be set at the time of registration of the investor.

Through this data flow, the commodity can be transferred from the client to the investor, and the investment amount of the commodity is transmitted directly through the third party without being directly transmitted between the investor and the client, so that the cash transaction is safely performed.

In addition, the investor can acquire the return on investment resulting from the introduction of the investment concept of the product. This investment income can be set variably, which can be an incentive to induce various investments and automatic tax settlement on investment income.

3 is a diagram showing another embodiment of an apparatus for mediating goods and a data flow between terminals. The data flow of Figure 3 is a diagram showing the data flow initiated by an investor to acquire or invest in a commodity.

The data flow of FIG. 3 is partially different from the data flow of FIG. That is, the data flow of FIG. 3 starts with a request by an investor, whereas the data flow of FIG. 2 starts with a commodity registration request by a requester to provide a product.

Here, the data flow that differs from that shown in FIG. 2 will be mainly described, and the contents overlapping with FIG. 2 will be briefly described.

First, a specific investor transmits an investment application for receiving a commodity and requests the intermediary apparatus 100 (see (1)). The application for investment includes information about the goods to be offered and the amount of investment in the goods. An investment application may also include the desired return on investment. This investment application represents an intermediary request to invest in a specific product targeting an unspecified product.

An investment application may be received from a single investor, but multiple investors may file an investment application for the same product. Accordingly, a plurality of investors can be divided into a single commodity to be provided and invested. For example, investors can get their point money together from a specific commodity provider.

Upon receipt of the investment application, the intermediary apparatus 100 requests the operator to confirm the investment application. To this end, the intermediary apparatus 100 transmits data for requesting investment confirmation to the operator terminal 200 (see (2)). For example, the intermediary apparatus 100 transmits data indicating an investment confirmation request to the operator terminal 200 through a message, mail, or other data transmission means.

Upon receipt of the investment confirmation request, the operator terminal 200 displays the data of the investment application, and the operator refers to the displayed data to confirm the investment goods and the investment amount, and judges the appropriateness thereof. For example, when the operator terminal 200 displays various kinds of information on the goods and the amount of investment, the operator confirms whether the goods can be registered and the amount of investment is appropriate. If necessary, the operator may request further information from the investor or obtain further information through contact.

Through the confirmation of the application for investment, the operator posts an offer of the investment-requested product in the brokerage system, and inputs an approval indicating whether or not to permit the recruitment of the requester of the commodity, To the operator terminal (200).

The operator terminal 200 generates investment confirmation data upon receipt of an input indicating whether the approval or rejection is made and transmits it to the intermediary apparatus 100 (see (3)).

The intermediary apparatus 100 generates a response to the investment application upon receipt of the investment confirmation data and transmits it to the investor terminal 400 (refer to (4)). This response indicates approval or rejection of the investment application.

If it is approved, the intermediary apparatus 100 registers the goods offer for the approved investment application on the intermediary system (the intermediate apparatus 100) through the reception of the control data by the operator, and outputs the goods offer ( See ⑤).

In more detail, the intermediary apparatus 100 generates a commodity item for specifying a commodity included in the investment application. The item item includes information about the item being sought for investment, investment amount of the product, and the like. The investment amount can represent the investment amount of the investment application.

The intermediate apparatus 100 generates and outputs data indicating the product recruitment for the item. The output product recruitment data is output through a web page or the like and can be accessed through an external requestor terminal 300 or the like. The commodity recruiting data includes various data on the commodity to be the object and includes, for example, the amount of investment.

The investment amount is specified by the investor terminal 400 who made the investment application. The product recruitment data may further include other amounts of return on investment. This amount of return on investment can be determined by the intermediary system as the amount provided to the investor. For example, the intermediary apparatus 100 may provide the investor with a high return on investment in order to induce the product recruitment according to the transaction situation. The return on investment represents the amount that can be gained as a cash investment for a commodity item, which is an additional amount that the investor can acquire separately from the expenditure on the investment amount.

The amount of investment and return on investment can be expressed in absolute terms from the standard amount or converted into a percentage. For example, the investment amount can be expressed as a discount rate from the standard amount, and the investment return amount can be expressed as a return on the investment amount.

The product recruitment data is output through a web page or the like, and one or more requesters that have the product or can provide the product can confirm the product recruitment data.

The intermediate apparatus 100 outputs the goods collection data to the plurality of client terminals 300 and the like via the network 500 and receives data indicating the goods registration application from the client terminal 300 (refer to (6)). The product registration application includes at least the information about the product and the desired amount of investment. Each investment amount may be equal to or less than the investment amount of the product recruitment data. Certain products may be aggregated. Point money, for example, may be aggregated and provided to investors.

The intermediary apparatus 100 determines whether or not the commodity investment matching for the commodity item collected as the commodity item has been completed (refer to (vii)) upon receiving the commodity registration application from one or more client terminals 300.

Completion of product investment matching can take two forms. One type is when a specified period has arrived for the offer. Another type is a case where the sum of the investment amounts of the products of one or more requesters is equal to or exceeds the investment amount of the product offerings according to the application for registration of the product after posting the offer. Thus, the completion of the product investment matching can be determined by comparing the sum of the amounts of the product registration applications and the investment amount of the product item.

As the product investment matching is completed, the investors transfer the amount of the investment amount to the account of the operator or the account specified in the brokerage system through account transfer. Deposits of investors' investments may be made with investment applications.

As the merchandise investment matching is completed, the data flow of FIG. 3 performs the same flow as that after step 8 of FIG. 3 will be replaced by the following description of step (8) in Fig.

3, the brokerage system (for example, by the operator) issues a bond indicating the bond relationship between the investor and the operator. That is, the intermediary apparatus 100 of the intermediary system automatically generates the bond information for one or a plurality of investors according to the input of the operator (refer to (v)) as the matching is completed.

In accordance with the generation of the bond information, the intermediate apparatus 100 transmits (9) data for guiding the completion of the issue of the bonds to the investor terminals 400 investing the commodity item. Further, the intermediary apparatus 100 transmits data requesting the goods transfer to the requester terminal 300. [

Each investor confirms receipt of the commodity and transmits data indicating receipt confirmation to the intermediary apparatus 100 through the investor terminal 400 (10).

Upon receipt of the data indicating the receipt of the commodity, the intermediary apparatus 100 corrects the corresponding investor's bond information. In other words, the intermediary apparatus 100 modifies the creditor to be the requester of the commodity item from the investor (see (11)) in the corresponding receivable information of the investor who has transmitted the data of the commodity receipt confirmation.

The intermediary apparatus 100 transmits data indicating that the transfer of the bonds has been completed to the client terminal 300 (see (12)) according to the modification of the bond information.

The requester of the client terminal 300 confirms the completion of the transfer of the bonds and requests the repayment of the bonds issued according to the provision of the commodities (see ⑬).

Upon receipt of the bond redemption request, the intermediary apparatus 100 subtracts the contracted commission from the investment amount of the commodity item in which the commodity investment matching is completed, and transfers the deducted amount to the account of the requester (14).

Further, the intermediary apparatus 100 transfers the amount based on the amount of the investment return to the investor's account after the request for the repayment of the bonds (see ⑮).

Through this data flow, investors are able to obtain the necessary commodities, and the investment amount of the commodities is transmitted directly through the third party without being directly transmitted between the investor and the client, so that the cash transaction is safely performed.

4 is a diagram illustrating an exemplary block diagram of an intermediary apparatus 100. As shown in FIG.

4, the intermediary apparatus 100 includes a data transmission / reception unit 101, a registration application processing unit 103, a bond collection output unit 105, an investment application collection unit 107, a product investment matching unit 109, Generation unit 111, a bond information correction unit 113, and a transfer processing unit 115. [ The block diagram of Figure 4 preferably represents a functional block diagram. The intermediate apparatus 100 of FIG. 4 is implemented with functional blocks through hardware, and the intermediate apparatus 100 includes hardware for implementing the functional block diagram. Also, the intermediary apparatus 100 may operate as a server that processes requests of a plurality of terminals and outputs a response. The intermediary apparatus 100 operates as an HTTP server or a server that can be operated on TCP / IP, for example.

As an exemplary configuration of the hardware, the intermediate apparatus 100 may include a LAN card for connection to a wired or wireless LAN, a LAN chipset, one or more hard disks for storing programs and various data, one or more processors for executing programs, And a parallel / serial bus for transmitting / receiving various digital data between the hard disk and the LAN card.

Or the intermediary device 100 may be configured as a combination of one or more computers, workstations, data storage servers, etc. so that the particular device or devices are configured to perform communications, storage, and / or specific functions. Thus, the intermediate apparatus 100 may have various types of hardware configurations.

2 and 3, the main function of each functional block of the intermediate apparatus 100 will be described here. In the following description, 2, and 3, respectively.

The data transmitting and receiving unit 101 is connected to the network 500 and transmits various requests and requests from the client terminal 300 and / or the investor terminal 400 to the intermediary apparatus 100 of FIG. And transmits (transmits) a response according to the request or application to the client terminal 300 or the investor terminal 400.

Data such as requests and requests are transferred to internal specific function blocks according to the structure of data, and outputs a response from the corresponding function block or a response from a subsequent function block.

For example, the data transmission / reception unit 101 receives a product registration application from a client terminal 300 of a commodity item, receives an investment application from the investor terminal 400, receives a bond redemption request from the client terminal 300, And can receive the goods receipt confirmation data from the terminal 400 and outputs a response or processing result according to each request.

The registration application processing unit 103 receives the registration application of the commodity item including the investment amount from the requestor terminal 300 through the data transmitting and receiving unit 101 and determines whether the approval or rejection of the registration application is made through the operator terminal 200 do. The registration application processing unit 103 generates a response indicating approval or rejection and transmits a response to the requesting client terminal 300 through the data transmission / reception unit 101.

In the case where the registration item of the registered product item is approved by the registration application processing unit 103, the bond offer output unit 105 generates a bond offer for a commodity item including the investment amount and the determined ROI, and transmits it to the data transmission / ). The output of the bond is output through a connection through an external investor terminal 400 or the like, and the bond purchase includes at least the investment amount of the commodity item and the amount of the investment profitable at the time of investing the commodity item.

The investment application collection unit 107 receives the investment application for the collection of the bonds outputted in response to the output of the bonds through the data transmission / reception unit 101 from each of the one or plurality of the investor terminals 400.

The commodity investment matching unit 109 determines whether or not the commodity investment matching has been completed using one or more of the application for investment for the bond recruitment. For example, the commodity investment matching unit 109 can determine whether the commodity investment matching is completed by comparing the sum of the investment amounts of the investment applications with the investment amount of the commodity item of the bond purchase.

The bond information generation unit 111 generates the bond information for the commodity item for the investor who has requested the investment for the commodity item when the commodity investment matching for the bond recruitment is completed. The generated bond information is created by the operator who manages the broker as the creditor and the investor as the creditor.

The generated bond information can be passed to one or each investor to indicate the completion of bond issuance. Each investor then receives the commodity in cooperation with the requester of the commodity item and receives the commodity receipt confirmation data by the data transmission /

The bond information correction unit 113 receives the goods receipt confirmation data through the data transmission / reception unit 101 and corrects the issued (generated) bond information. That is, the receipt information receiver 113 changes the creditor of the receipt information from the investor to the requester of the commodity item according to the receipt of the commodity, and includes the data indicating the creditor in the receipt information.

The transfer processing unit 115 receives a bond redemption request from the requester (the terminal 300 of the merchandise item) through the data transmission / reception unit 101 and deducts the commission from the investment amount of the commodity item according to the bond redemption request Transfer the deducted difference to the account of the requester. Also, after receiving the bond redemption request, the transfer processing unit 115 transfers the amount deducted from the tax return on the investment return amount of the item to the investor's account.

Through the data flow and functional block diagram of FIG. 2 to FIG. 4, it is possible to secure the investment of the commodity and to acquire the dividend acquisition and the investment profit by the crowned funding technique. In addition, the present invention makes it possible to safely manage the price of a product without cash transaction, which involves investing in a product through issuance and transfer of a bond using a bond.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings.

100: intermediate device
101: Data transmission / reception unit 103: Registration application processing unit
105: Receipt for collecting bond 107: Investment application collecting section
109: commodity investment matching unit 111:
113: Receipt information correction unit 115: Transfer processing unit
200: Operator terminal 300:
400: Investor terminal 500: Network

Claims (9)

Determining whether the commodity investment matching of the commodity item including the amount of investment and the amount of the investment return is completed;
When the goods investment matching is completed, generating bond information for the item item with respect to the investor who has requested the investment for the item item, the bond information includes an operator who takes the investor as a creditor and manages the intermediation of the item item A creditor information generation step generated as a creditor; And
Correcting the bond information upon receipt of the goods receipt confirmation data from the investor's investor terminal, the bond information including data indicating that the requester of the item item becomes the creditor from the investor; / RTI >
Product brokerage method. The method according to claim 1,
If the product investment matching is made by a plurality of investors,
The bond information generating step generates bond information for each investor with the amount invested by each of the plurality of investors, and the bond information of each investor is generated by using the amount invested by each investor as the amount of the bond,
Product brokerage method. The method according to claim 1,
Receiving a bond redemption request according to the modified bond information from the client terminal of the merchandise item;
Subtracting an agreed commission from the investment amount according to the bond redemption request, and transferring the subtracted difference to the account of the requester; And
And transferring the amount deducted from the investment return amount to the account of the investor by tax collection after the bond redemption request,
Product brokerage method. The method according to claim 1,
Receiving an application for registration of a commodity item including an investment amount from a terminal of a requester;
Transmitting a response indicating approval or rejection of the registration request to the terminal of the requester;
Outputting a bond offer for a commodity item including the investment amount and the determined amount of investment return, if the approval is approved, wherein the bond offer includes an investment amount of the commodity item and an amount of investment profitable at the time of investing the commodity item Including a debt consolidation output stage; And
Receiving an investment application for the commodity item from each of a plurality of investor terminals in response to the output of the bond,
The determining step of the product investment matching is a step of determining whether the matching of the product investment is completed by comparing the sum of the investment amounts included in the plurality of investment applications and the investment amount of the bond purchase,
Product brokerage method. The method according to claim 1,
Receiving an investment application for a commodity item including an investment amount from an investor terminal;
Sending a response to the investor's terminal indicating approval or rejection of the investment application;
If approved, outputting a product offer for the item of commodity of the investment application, including the investment amount; And
And receiving an application for registration of the item item from the terminal of the requester in response to the output of the product,
The step of determining the product investment matching is a step of determining whether the matching is completed by comparing the output goods offer and the registration application,
Product brokerage method. A data transmitting and receiving unit transmitting and receiving data through a network;
An item investment matching unit for determining whether the product investment matching on the item item including the amount of investment and the amount of return on investment is completed;
A bond information generating unit for generating bond information on the item to the investor who has requested the investment for the item, when the goods investment matching is completed, wherein the bond information includes the investor as a creditor, A creditor information generating unit, which is generated by an operator who acts as a creditor; And
A receipt information receiver for receiving the receipt confirmation data from the investor's investor terminal through the data transmitting and receiving unit and correcting the receipt information according to receipt of the receipt confirmation data, Including, but not limited to,
Intermediary device for commodity brokerage. The method according to claim 6,
Wherein the data transmitting and receiving unit receives a bond redemption request according to the modified bond information from the client terminal of the commodity item,
The brokerage apparatus may further include a cashier who subtracts the committed commission from the investment amount according to the bond redemption request, transfers the deducted difference to the account of the requester, and after the bond redemption request, And transferring the money to the investor's account,
Intermediary device for commodity brokerage. The method according to claim 6,
A registration application processor for receiving a request for registration of an item of merchandise including an investment amount from the terminal of the requester through the data transmitting and receiving unit, determining approval or rejection of the registration application and transmitting a response indicating approval or rejection through the data transmission and reception unit;
If approved, a bond offer output for outputting a bond offer for a commodity item that includes the investment amount and the determined return on investment, wherein the bond offer includes an investment amount of the commodity item and an investment available for the commodity item Bond offer output, including revenue amount; And
And an investment application collection unit for receiving an investment application for the commodity item from each of a plurality of investor terminals via the data transmission / reception unit in response to the output of the collected bonds,
Wherein the product investment matching unit determines whether the matching of the product investment is completed by comparing the sum of the investment amounts included in the plurality of investment applications and the investment amount of the bond purchase,
Intermediary device for commodity brokerage. As an intermediary system for product brokering,
An intermediate apparatus for commodity broking as set forth in claim 8; And
And an operator terminal connected to the intermediary apparatus via a network,
The operator terminal transmits registration confirmation data indicating approval or rejection of an application for registration of an item of commodity from the intermediate apparatus to the intermediate apparatus,
Wherein the registration application processor of the intermediate apparatus determines whether to approve or reject the registration application according to the registration confirmation data from the operator terminal,
Intermediary system.

KR1020150091006A 2015-06-26 2015-06-26 Method, apparatus and system for trading merchandise KR20170001267A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020150091006A KR20170001267A (en) 2015-06-26 2015-06-26 Method, apparatus and system for trading merchandise

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150091006A KR20170001267A (en) 2015-06-26 2015-06-26 Method, apparatus and system for trading merchandise

Publications (1)

Publication Number Publication Date
KR20170001267A true KR20170001267A (en) 2017-01-04

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150091006A KR20170001267A (en) 2015-06-26 2015-06-26 Method, apparatus and system for trading merchandise

Country Status (1)

Country Link
KR (1) KR20170001267A (en)

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