KR20170110343A - A funding platform and the funding method through the same - Google Patents

Abstract

The present invention relates to a system and method for providing a mileage point created in the process of using a specific service provided by a business entity, such as a credit card company, a communication company, an airline or a department store, The present invention relates to a funding platform for funding an investment target such as a specific project, a product, a service, and a content, and a funding method using the funding platform and a server of a bank or an affiliate and a fund consumer server, So that the security of the platform can be enhanced while reducing the network load of the platform.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a funding platform,

The present invention relates to a funding platform and a funding method using the same. More particularly, the present invention relates to a funding platform and a funding method using the same, and more particularly, The present invention relates to a funding platform in which a user invests in an investment object such as a specific project, a product, a service and contents as an investor, and a funding method through the funding platform.

Recently, so-called funding (such as crowdfunding), in which funders including creative entrepreneurs procure funding from an unspecified number of small investors through a person who mediates fund raising online, such as the Internet, is increasingly spreading.

Such funding is classified as equity investment, loan, sponsorship, and donation. Equity investment is a type of funding in the form of an angel investment for start-up companies and entrepreneurs. The goal is profitable. Loans are also a type of financial support for individuals and individual entrepreneurs who need funds through micro-loans on the Internet and are intended to receive interest on loans. In the case of sponsorship, a large number of sponsors are funding projects funded by the fundraiser and receiving a certain amount of compensation in a form other than monetary compensation. It is mainly used in the fields of performance, music, film, education, and the environment. Donations are similar to sponsorship-style social funding but do not qualify for compensation for sponsors, but rather as a form of pure donation.

Most existing fund public offerings collect investors through the Internet, receive investment from investors, and distribute profits generated by investment. However, it is evaluated that the way of unilaterally opening an internet web page and publicizing it to the media and recruiting investors is very insufficient in the spread of public opinion and its ripple effect. Especially when investors want to invest, there is a burden on actual investment amount, and Pin Tech is not fully integrated into crowdfunding.

Therefore, the present invention can be applied to a case where a user invests in a fund desired by a user by using a mileage point created in the process of using a specific service provided by a business including a financial business or a service business such as a credit card company, a communication company, an airline, And a funding method using the mileage point.

Next, a brief description will be given of the prior arts that exist in the technical field of the present invention, and technical matters which the present invention intends to differentiate from the prior arts will be described.

Korean Patent Laid-Open Publication No. 2015-0096569 (May 25, 2015) relates to a point fund system, and relates to a point fund system for investing an earning point arising from the use of offline or online commerce services in a project. In particular, this prior art is able to integrate a few separate earning points into one developing point, invest in integrated development points to earn profit, participate in the cultural industry and gain various information and fun .

The prior art method includes receiving development project information transmitted from a public offering terminal and providing the information to the investor terminal, accessing the affiliate server according to a point change request transmitted from the investor terminal, And the investment point of the investor is invested in the specific project according to the investment request transmitted from the investor terminal. Therefore, the investing point is changed to the debiting point through the point fund server And investing it in a specific project.

However, the present invention allows a user to invest in a desired fund by using a mileage point as a good, but the funding platform of the present invention does not directly switch the points or intervene in the investment. However, in order to ensure that the user does not have any problems in conducting the fund investment with respect to the project, the affiliate server acts as a platform for the overall funding by cashing the user's mileage to the securities company or the asset management company to transfer the investment money. .

Also, Korean Patent Laid-Open Publication No. 2015-0000894 (May 05, 2015) discloses a system including a memory and one or more processors for storing user account information, the information including a plurality of non-cash, non-credit based funding options, Wherein the one or more processors deliver a plurality of non-cash, non-credit based funding options on the merchant site and provide a selection of the first of the plurality of non-cash, non-credit based funding options made by the user to the merchant site And to process the payment using the selected first option.

The prior art is directed to a system for providing payment using a non-traditional value source in a way that a payment service provider intervenes between a funding source and a merchant to pay a payment for a product to a payment service provider at a funding source.

However, the present invention can be applied to a case where a user invests in a desired fund by using mileage points generated in the process of using a specific service provided by an enterprise including a financial business or a service business such as a credit card company, a communication company, an airline, The present invention provides a funding platform using mileage points and a funding method using the mileage points. The funding platform is not a simple payment system but a platform for performing funding. In the course of making a payment through funding, The security traffic necessary for settlement is offloaded through the virtual platform without being involved in the settlement of the investment.

Accordingly, the prior art is similar to the present invention in that mileage is used to invest in a fund or instead of cash. However, in a method of actually performing the payment, the funding platform of the present invention, unlike the prior art, The funding platform of the present invention allows the affiliate or bank having the relevant mileage or cash to pay the investor who needs the funding directly to the fund purchaser, The security traffic necessary for settlement is offloaded and processed through the virtual platform without participating in settlement.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems, and it is an object of the present invention to provide a mileage point created in the process of using a specific service provided by a business enterprise that operates a financial business or a service business such as a card company, The object of the present invention is to provide a funding platform using mileage that can carry out equity investment, loan, sponsorship or donation in the name of an investment object including a project, product, service or contents, and a funding method using the mileage.

Further, the present invention provides the funding platform and the funding method therefor, it is possible to provide investment information including unique information, analysis information, or a combination thereof about an investment object including a specific project, product, service or contents, And a funding platform for supporting decision-making to make an investment decision on the basis of the investment information, and a funding method therefor.

Further, the present invention provides the funding platform and the funding method thereof, wherein when an investor performs the investment with the mileage, the affiliate company having the mileage directly converts the mileage into investment money, So that only the result can be provided from the affiliate server and the server of the brokerage firm or the asset management company so that the security traffic necessary for settlement is offloaded through the virtual platform without being involved in the settlement of the investment, And a funding method using the same.

In addition, in providing the funding platform and the funding method therefor, the present invention allows the bank to directly pay the difference when the mileage is insufficient, so that the settlement can be made through the virtual platform And to provide a funding platform for off-loading and processing required security traffic, and a funding method therefor. In addition, if the mileage is insufficient, you can immediately make a small loan from a bank (eg Internet Bank) and make a payment for the difference. Also, if the size of the loan is larger than expected, financing including credit card, It is also possible to procure through services.

In addition, the present invention provides the funding platform and the funding method using the same, stores individual mileage information and investment information of each user in an individual cloud storage, analyzes mileage information and investment information of the user, A funding platform for providing statistical information on investment information of other users, and a funding method using the funding platform.

In addition, the present invention provides the funding platform and the funding method thereof, wherein the user's personal mileage information and investment information are stored in a private cloud storage under the management of the user, and instead, the mileage information and investment information of each user are anonymously , Providing fund information and analytical information including analysis information on an investment object including a project, a product, a service, or a content to a corresponding user, and providing a funding platform through the funding platform .

In addition, the present invention provides the funding platform and the funding method therefor. In the case of withdrawing the funds (funds) to be collected and collecting them as mileage points, the funds are re-credited to the mileage points of the affiliated companies, And to provide a funding platform for transferring money to a personal account of a bank using cash and a funding method therefor.

A funding platform system according to an embodiment of the present invention includes a mileage processing unit for searching for and providing information related to mileage of a specific user from an affiliate including a card company, a communication company, an airline or a department store, and an investment And a fund information processing unit for searching for and providing fund information on a target from a fund consumer, and performing a fund investment on the investment target using the mileage.

Further, the funding platform system may further include a settlement processing unit for the affiliate company to settle the investment amount with the fund consumer, and the settlement processing unit may further include a settlement processing unit that, when performing the fund investment on the investment target using the mileage, And the amount of the investment is paid to the fund consumer.

Also, the funding platform system may offload the network security traffic used for the settlement when the affiliate company and the fund consumer settle the investment or the investment return.

Further, the funding platform system may further include a statistical analysis unit for providing investment information including basic information, analysis information, or a combination thereof of the investment object, and the user may make a decision to make investment decisions based on the investment information Thereby activating the investment.

Also, in the funding platform system, the affiliate company directly converts the mileage into investment money to make payment to the fund consumer, and only the result is provided from the affiliate company and the fund consumer, so that the payment of the investment or the investment return is transmitted through the virtual platform And offloading and processing the security traffic necessary for settlement.

In addition, the funding platform system allows the bank to directly pay the deficit amount when the mileage is insufficient as the investment amount, and allows the bank to pay the fund to the fund consumer directly as the investment money, Wherein the settlement of the investment or the investment return is offloaded to the security traffic necessary for the settlement through the virtual platform by being received from the fund consumer. In addition, if the mileage is insufficient, you can immediately make a small loan from a bank (eg Internet Bank) and make a payment for the difference. Also, if the size of the loan is larger than expected, financing including credit card, It is also possible to procure through services.

In addition, the funding platform system stores individual mileage information and investment information of each user in a private cloud storage, analyzes mileage information and investment information of the user, recommends at least one investment destination, The personal mileage information and the investment information of each user are stored in the private cloud storage under the management of the individual user, and instead, the access right for analyzing the mileage information and the investment information of each user is given, And provides analysis information including fund information and analysis information about an investment object including a project, product, service, or content to the user, and provides the information.

In addition, when the funding platform system wishes to collect the investment funds and collects the mileage points, the funding platform system is re-accumulated as mileage points of the affiliated company, and if it is desired to collect the money in cash, To be transferred.

According to another aspect of the present invention, there is provided a funding method comprising: a mileage processing step of searching for and providing information related to mileage of a specific user from an affiliate including a card company, a communication company, an airline or a department store; And a fund information processing step of searching for and providing fund information on an investment object included in the fund from the fund consumer, and performing funding to the investment object using the mileage.

Further, the funding method may further include a settlement processing step in which the affiliate company pays the investor to the fund consumer, and the settlement processing step is a step in which, in the course of performing the fund investing using the mileage, To the fund consumer.

Further, the funding method may further include a statistical analysis step of providing investment information including unique information, analysis information, or a combination thereof to the investment object, and the user may make a decision to make investment decisions based on the investment information Thereby activating the investment.

The present invention relates to a funding platform and a funding method using the same, and more particularly, to a funding platform and a funding method using the funding platform and a funding method using the same. The present invention relates to a funding platform in which a user invests a mileage point as an investor in an investment object such as a specific project, a product, a service and contents, and a funding method through the funding platform. In particular, since the funding platform according to the present invention includes a virtual platform, a server of a bank or an affiliate, and a server of a fund consumer can offload and process security traffic required for settlement through the virtual platform, It is possible to enhance security while reducing the amount of data.

1 is a conceptual diagram for explaining a funding system and a method according to an embodiment of the present invention.
2 is a conceptual diagram illustrating a configuration of a funding platform server in a funding system according to an embodiment of the present invention.
3 is a block diagram of a funding platform server in a funding system according to an embodiment of the present invention.
4 is a flowchart for explaining a procedure of processing funding through a funding system according to an embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements. Furthermore, specific structural and functional descriptions for embodiments of the present invention are presented for the purpose of describing an embodiment of the present invention only, and, unless otherwise defined, all terms used herein, including technical or scientific terms Have the same meaning as commonly understood by those of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as ideal or overly formal in the sense of the art unless explicitly defined herein Do not.

1 is a conceptual diagram for explaining a funding system and a method according to an embodiment of the present invention.

As shown in FIG. 1, an affiliate group 200 consisting of a server of an affiliate providing mileage including a card company, a communication company, an airline, a department store, etc. and a database connected thereto is connected to a network, A bank group 400 composed of a database is connected to the network and a fund consumer group 300 composed of a server such as a securities company, an asset manager, a fund management company, an online relay site management company, And a plurality of user terminals 500, a funding server 100 according to the present invention, and a database 100A are connected to a wired / wireless network 600.

For goods that have cash functions such as mileage, points, coupons, etc. but do not function directly as cash, the affiliate (200) converts them into cash, and then transfers them to securities companies, asset management companies, fund management companies, It is necessary to make a settlement with a fund consumer 300 such as a site management company. In this process, the platform server 100 according to the present invention does not have to be involved in a transaction between the affiliate and the fund consumer, and both sides need to receive information on the results exchanged with each other.

Each affiliate and the fund consumer provide a service for funding through a single integrated interface in the platform server 100 according to the present invention through the wire / wireless network 600, and in fact, the mileage of the affiliate company 200 is provided to the fund consumer 300 To be carried out directly is a feature of the present invention.

Also, when the funding platform server 100 of the present invention makes a payment with mileage in the affiliate company 200, if the amount is insufficient, the funding platform server 100 can settle the remaining amount through the e-bank 400. At this time, since the bank 400 fetches cash directly from the user's account, the funding platform 100 according to the present invention does not need to participate in this process. However, it provides the status information from the bank and the fund consumer about the settlement result and outputs it to the user. Of course, it is also possible to make a payment at the bank first with cash, and then use the mileage to pay the remaining balance.

The funding platform 100 of the present invention provides the user 500 with investment information including basic information of a specific project, analysis information, or a combination thereof, and allows a user to invest in a specific project based on the investment information.

When the mileage is invested, the mileage is directly converted into the investment money by the affiliate server having the mileage, and the payment is made to the server of the securities company or the asset management company. As a result, only the affiliate server, To be provided from the server of the present invention means that the funding platform according to the present invention plays a role of a virtual platform. In other words, in the case of the funding platform according to the present invention, the act of making payment for the investment of the fund is directly performed by the affiliate, the bank, and the fund consumer. That is, Thereby allowing the security traffic to be offloaded and processed.

In addition, if the mileage is insufficient, the balance can be paid directly by the bank (including micro-loans, card settlement, cash settlement, etc.), and the payment or proceeds can be collected through the virtual platform have. In fact, the server of the affiliate or the bank and the server of the fund consumer directly conduct the actual transactions, and the fund investment process between the other affiliate and the fund consumer is performed by the virtual platform. In this way, it is possible to minimize the interdependence between the affiliate and the fund consumer, and by analyzing the information of the affiliate information and the fund consumer (investment company) to the user, the investor can utilize the analysis information to invest in the fund . Therefore, the user supports the decision to make an investment decision based on the investment information.

In this case, the support for the above decision is obtained by collecting information on investment patterns and investment flows of investors for each fund, deriving a function for investment patterns and investment flows based on the information, (Eg, time), then deriving the error function, determining the function in descending order of the error, predicting the future investment pattern or investment flow based on the determined function, and providing the result, It supports the decision.

In addition, personal mileage information and investment information of each user are stored in the private cloud storage to analyze mileage information and investment information of the user, recommend a suitable investment destination, and provide statistical information on investment information of other users. In addition, the user's personal mileage information and investment information are stored in the private cloud storage under the personal management of the user, and instead, an access right for analyzing the mileage information and the investment information of each user is given to the user, Provides feedback on the analysis information including the fund information and the analysis information on the investment object including the service or the content. If you wish to withdraw funds (funds) and wish to withdraw them as mileage points, you will be credited back to the partner's mileage points. If you wish to withdraw by cash, you must transfer the funds to your bank's personal account .

2 is a conceptual diagram illustrating a configuration of a funding platform server in a funding system according to an embodiment of the present invention.

As shown in FIG. 2, the funding platform 100 according to the present invention is configured based on a virtual platform, such as a credit card company, a communication company, an airline, an affiliate company such as a department store, a securities company, and an asset management company. Fund managers, and fund management companies to conduct funding by connecting to wired and wireless networks and interacting with customers, banks and users. However, in the present invention, in the process of trading cash such as the settlement of investment between the customers of the bank, the mileage partners and the fund customers, and the collection of the proceeds, the platform server of the present invention does not directly participate, And the financial transaction through specific settlement is made directly between the affiliate, the bank, and the consumer of the fund. Of course, the affiliate, the fund owner, and the user can pay a predetermined fee to the funding platform according to the present invention.

In this case, when the settlement is performed in the course of fund investment in the funding platform of the present invention, the traffic is offloaded to the corresponding process step so as to directly receive and transmit the corresponding traffic. That is, an actual transaction is made between an affiliate, a bank, and a fund consumer, and the transaction result is notified to the platform server by the server of the affiliate, the bank, and the fund consumer.

The funding platform according to the present invention provides a traffic offload to the payment step so that the servers of the affiliates, the banks, the SNSs, and the fund consumers continue to maintain mutual stable connectivity, thereby improving network processing performance, It enables us to maintain stable connectivity between the customers' servers.

In this method, a network connection is designated as a plurality of paths so that a server of an affiliate, a bank, an SNS, or a fund consumer maintains stable connectivity with each other, and traffic is offloaded for each processing step so that each server is connected. This improves the processing performance of performing funding and enables stable connectivity between servers. In addition, this offloading technology is characterized in that it takes less time to construct a system with software technology, and it is possible to add and expand flexible functions. In addition, because it supports multipath, it maintains connectivity among various types of servers. As a result, it can reduce the burden on a processor mounted on a platform providing a funding service.

The offloading control for the network connection may be performed by a hardware or a network processor, or may be performed purely in software. In the present invention, such an offloading function may be provided, It is more efficient to do it.

3 is a block diagram of a funding platform server in a funding system according to an embodiment of the present invention.

3, the funding platform 100 includes a user interface unit 110 and a network interface unit 180. The funding platform 100 includes a mileage processing unit 120, a fund information processing unit 130, A settlement processing unit 140, an information updating unit 150, a statistical analysis unit 170, and a user authentication unit 160.

The user interface unit 110 may access the funding platform 100 according to the present invention as a wired or wireless network through a user terminal to retrieve information about his or her mileage and funding investment targets. Users can search their mileage through the web, search for projects they want to invest in, and invest in their own projects with their mileage. In this process, a user can download a funding application to a mobile terminal and invest in a desired project.

The network interface unit 180 provides an interface with the funding platform, the bank server, the affiliate server, the SNS server, and the fund consumer server according to the present invention through a wired or wireless network. In particular, in the present invention, a network interface is connected to a bank server, an affiliate server, an SNS server, and a fund consumer server through a funding platform of the present invention, but a substantial transaction for a part of the settlement is off-loaded.

The mileage processing unit 120 provides a function of searching for and processing the mileage information of the user's own mileage information, and when the mileage is found, the mileage processing unit 120 converts the mileage into cash, . When the user determines the investment amount and executes the actual investment, the calculated amount is supplied to the affiliated company information on the situation where the mileage has been deducted from the affiliated company, and the result is stored in the private cloud storage in the local database 100A The information is updated. The update function is performed by the information update unit 150.

The fund information processing unit 130 receives fund information from a fund consumer including a securities company, an asset management company, a fund management company, and an online relay site management company to retrieve information on a project or product in which funding is in progress, Processing and providing. Provide users with investment information, including basic information, analytical information, or a combination of these projects or products.

The user determines the investment based on the investment information provided by the fund information processing unit 130 and the mileage he / she owns, and proceeds with settlement through the settlement processing unit 140 according to the result.

The settlement processing unit 140 sends a message for allowing the affiliate and the fund consumer to proceed with settlement based on the settlement information determined by the user, and the affiliate company and the fund consumer who receive the message directly connect with each other and proceed with settlement. At this time, in the present invention, the funding platform according to the present invention does not intervene in the process of settlement, but the settlement party allows mutual settlement through a separate communication channel.

After the settlement, the mileage information and the fund information are changed, and the changed information is updated and stored in the private cloud storage provided in the database of the crowdfunding platform according to the present invention.

The information updating unit 150 updates the mileage of the user who is subscribed to the funding platform according to the present invention and the fund information of the fund consumer periodically or whenever an event such as investment and collection / distribution occurs. In the present invention, in order to allow individuals to maintain and manage the information of each individual, a path is provided to each user to provide information on his / her own mileage, and the user can use his or her own mileage information From each of the affiliates to provide to the funding platform of the present invention. The funding platform of the present invention provides convenient functions to facilitate such processing.

The statistical analysis unit 170 extracts statistical information on the investments of the respective users while assuring the anonymity of the individual based on the mileage information of the individual provided by each user and the investment information invested by each user, Perform analysis and provide the results to the user. Based on the results of the analysis, each user gets his or her desired investment information and determines whether or not to invest.

In the present invention, a technique for analyzing the investment of each project or product, classifies the tendency and environmental factors of each investor according to each investment item, and vectorizes the investor's tendency and environmental factors to determine the past situation or investment And analyzes the investment information of the project or product by providing the information.

The user authentication unit 160 performs authentication for a user who subscribes to the funding platform according to the present invention. In the present invention, the mileage held by each user is directly provided from each affiliate and stored in a private cloud storage In this process, each user needs to be authenticated.

In addition, the present invention promotes the funding of the project and the product through the SNS server, and also allows a message to be exchanged so that the investment can be actually made. In this case, when the SNS server selects the corresponding project or product, the mileage information and investment information of the user are automatically searched and the user is awaiting investment decision.

The funding platform according to the present invention can operate a database on a cloud or a local database in which the user's personal cloud storage is allocated to the database and each user individually transmits the corresponding private cloud storage to his or her own user terminal It can be used as a local repository.

4 is a flowchart for explaining a procedure of processing funding through a funding system according to an embodiment of the present invention.

As shown in FIG. 4, the flow of a procedure for supporting funding in the funding platform of the present invention is as follows. First, a user must be connected to the funding platform 100 through user authentication.

Next, the user accesses the platform server to search for the fund. In this case, the user requests fund information from a fund consumer including a securities company, an asset management company, a fund management company, and an online relay site management company. And provides fund information in response.

Next, the user connects to the platform server and searches for his / her mileage. In this case, the platform requests mileage information of the user from a server of a partner registered by the user, and receives information on the mileage information.

Through this process, the user can retrieve the mileage information and the fund information held by the user, determine whether to invest the mileage information stored in the own fund information, and proceed with settlement.

When the user makes a payment by mileage, when the user sends an order to the affiliate and the fund consumer, the affiliate converts the mileage into cash, makes the payment to the consumer, and provides the result to the funding platform.

If the mileage is insufficient in this process, provide the bank with account information so that the bank pays the investment amount to the fund consumer. At this time, it is possible to immediately make a small loan from a bank (for example, an Internet bank) to make a payment for the difference, or to pay through a financial service including a credit card and a cash service.

Next, since the mileage, account, and fund information have changed, information on the mileage, account, and fund information is provided to the user. This information is also used to provide analysis information to users after they are stored in private cloud storage.

As described above, the present invention relates to a funding platform and a funding method using the funding platform. The present invention relates to a funding platform and a funding method using the funding platform and a funding method using the funding platform. The present invention relates to a funding platform in which a user invests in an investment object such as a specific project, a product, a service and contents as an investor, and a funding method through the funding platform.

In particular, since the funding platform according to the present invention includes a virtual platform, a server of a bank or an affiliate, and a server of a fund consumer can offload and process security traffic required for settlement through the virtual platform, It is possible to enhance security while reducing the amount of data.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. .

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the present invention.

100: Funding platform server 100A: Personal cloud storage
200: Affiliate group 300: Fund consumer group
400: Bank group 500: User group
600: wired / wireless network 700: SNS server
110: user interface unit 120: mileage processor
130: Fund information processing unit 140:
150: information updating unit 160: user authentication unit
170: statistical analysis unit 180: network interface unit

Claims (18)

A mileage processing unit for searching and providing information related to a mileage of a specific user from an affiliate including a card company, a communication company, an airline or a department store; And
And a fund information processing unit for searching for and providing fund information on an investment object including a project, a commodity, a service or contents from a fund consumer,
And the fund investing unit performs the fund investment in the investment target using the mileage. The method according to claim 1,
The funding platform system comprises:
And a settlement processor for the affiliate company to settle the fund to the fund consumer,
Wherein the affiliate company directly invests the fund in the process of investing in the investment object using the mileage. The method according to claim 1,
The funding platform system comprises:
Wherein when the fund investor or the investment return is paid between the affiliate and the fund consumer, the funding platform off-loads and processes the network security traffic used for the settlement. The method according to claim 1,
The funding platform system comprises:
And a statistical analysis unit for providing investment information including basic information about the investment object, analysis information, or a combination thereof,
Wherein the funding platform system supports a decision to allow the user to make an investment decision based on the investment information, thereby activating the investment. The method according to claim 1,
The funding platform system comprises:
The affiliate company directly converts the mileage into investment money to make payment to the fund consumer, and only the result is received from the affiliate company and the fund consumer, so that the payment of the investment money or the investment reimbursement cancels the security traffic required for the payment through the virtual platform So as to process the same. The method according to claim 1,
The funding platform system comprises:
If the mileage is insufficient for the investment, the bank can directly pay the deficit amount, and the bank makes the payment of the cash directly to the fund consumer, and only the result is provided from the bank and the fund consumer, Wherein the settlement of the investment or the investment return makes offloading of the security traffic necessary for settlement through the virtual platform. The method according to claim 1,
The funding platform system comprises:
If the mileage is insufficient for the amount of investment, immediately making a microcredit loan from the bank and making a settlement for the difference or paying through a financial service including a credit card, a cash service and the like. The method according to claim 1,
The funding platform system comprises:
The personal mileage information and the investment information of each user are stored in the personal cloud storage to analyze mileage information and investment information of the user, recommend at least one investment destination, provide statistical information on investment information of other users,
The personal mileage information and the investment information of each user are stored in the private cloud storage under the personal management of the user, and instead, the access right for analyzing the mileage information and the investment information of each user is given to the user, And provides analysis information including the fund information and the analysis information about the investment object including the service or the content by feedback. The method according to claim 1,
The funding platform system comprises:
If you wish to withdraw the funds you have invested, you will be credited back to the partner's mileage points if you wish to withdraw them as mileage points, and if you wish to withdraw with cash, transfer them to your personal account at cash. Funding platform system. A mileage processing step of searching for and providing information related to a mileage of a specific user from an affiliate including a card company, a communication company, an airline or a department store; And
A fund information processing step of searching for and providing fund information on an investment object including a project, a product, a service or a content from a fund consumer,
And the funding is performed on the investment object using the mileage. The method of claim 10,
In the above-described funding method,
And a settlement processing step in which the affiliate company funds the investment to the fund consumer,
Wherein the affiliate company directly invests the fund in the process of performing the fund investment in the investment target using the mileage. The method of claim 10,
In the above-described funding method,
Wherein the method further comprises the step of offloading and processing the network security traffic used for the settlement when the investment fund or the investment return is paid between the affiliate and the fund consumer. The method of claim 10,
In the above-described funding method,
And a statistical analysis step of providing investment information including unique information, analysis information, or a combination thereof to the investment object,
Wherein the user supports a decision to make an investment decision based on the investment information, thereby activating the investment. The method of claim 10,
In the above-described funding method,
The affiliate company directly converts the mileage into investment money to make payment to the fund consumer, and only the result is received from the affiliate company and the fund consumer, so that the payment of the investment money or the investment reimbursement cancels the security traffic required for the payment through the virtual platform So as to be processed by loading. The method of claim 10,
In the above-described funding method,
If the mileage is insufficient for the investment, the bank can directly pay the deficit amount, and the bank makes the payment of the cash directly to the fund consumer, and only the result is provided from the bank and the fund consumer, Wherein the settlement of the investment amount or the investment recovery fee offloads the security traffic necessary for settlement through the virtual platform. The method of claim 10,
In the above-described funding method,
And if the mileage is insufficient as the investment amount, immediately making a small loan from the bank and making a settlement of the difference, or paying through a financial service including a credit card, a cash service, and the like. The method of claim 10,
In the above-described funding method,
The personal mileage information and the investment information of each user are stored in the personal cloud storage to analyze mileage information and investment information of the user, recommend at least one investment destination, provide statistical information on investment information of other users,
The personal mileage information and the investment information of each user are stored in the private cloud storage under the personal management of the user, and instead, the access right for analyzing the mileage information and the investment information of each user is given to the user, And providing analysis information including the fund information and the analysis information about the investment object including the service or the content, by feedback. The method of claim 10,
In the above-described funding method,
If you wish to withdraw the funds you have invested, you will be credited back to the partner's mileage points if you wish to withdraw them as mileage points, and if you wish to withdraw with cash, transfer them to your personal account at cash. Funding method.

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