KR20230108516A - P2P loan operation method and system directly connecting investment amount and deposit with loan - Google Patents

Abstract

The present invention relates to an investment brokerage platform system for small amount direct investment, which includes an investor terminal 20 used by a plurality of investor members and an investment attractor terminal 30 used by a plurality of investment attractor members through a network capable of bidirectional data communication. As an investment brokerage platform technology including an accessible investment platform server 10, the server 10 includes: Basic information related to each investment attractor input from the investment attractor terminal 30 and at least one desired by each investment attractor. Processing investment item information to generate investment attraction information, convert it into a database, and store it; Matching the stored information with investment condition information input from the investor terminal 20 and providing it; It may be configured to provide a service of transferring investment money from the investor accounts 71, 72, and 73 designated for the selected investment item to the investment pool account 80 related to the investment item information. Accordingly, companies in need of funds provide investment-related information, process this investment-related information as transparent, objective, and reliable information, and disclose it to general investors who want to make small direct investments, so that companies can easily receive investment and are not experts. It provides effects such as making it easy for ordinary people to invest.

Description

P2P loan operation method and system directly connecting investment amount and deposit with loan}

The present invention relates to a technology for mediating direct investment in companies by small investors online. By storing information processed transparently, objectively and reliably, such as investment grade, and matching and providing it according to the investment conditions desired by small investors, small businesses can easily receive investment, and ordinary people who are not experts can easily invest directly with a small amount. It is about an investment brokerage platform system for new small-scale direct investment that has made it possible.

As a conventional method for attracting investment by a company, a method of issuing securities or bonds is well known. However, since it is difficult for small and medium-sized enterprises or venture companies to use such investment public offering methods, it is common for most of them to receive loans from banks at high interest rates or to attract personal investments by mobilizing personal connections. The reason why it is difficult for small and medium-sized companies to issue securities or bonds is that there are few channels through which information important for investment decisions, such as the company's own financial information, is disclosed to investors, and ordinary investors avoid investing.

Since ordinary investors do not have professional tools to analyze or obtain corporate financial information, they prefer the 'fund' investment form, which entrusts direct investment in stocks and bonds to professional companies. A fund is an investment method in which an asset management company invests and manages funds collected from investors in stocks and bonds, and then returns the results. In other words, investors do not directly select and invest in stocks or bonds, but a professional asset management company selects them, and the investment is based on funds collected from multiple investors, not individual funds. Therefore, investors do not need a large amount of money for investment, and can invest with a small amount, and since an expert (fund manager) does the investment management for them, it provides the advantage of being able to invest more easily than direct management.

Online systems, such as the recently developed Internet web system, have the advantage of being able to quickly and easily raise small amounts of funds from a large number of individuals compared to offline systems. Accordingly, in the past, a fund in the form of cyber money that can directly convert funds derived from a very small amount of transactions such as points and mileage according to payment by credit card to cash is created and invested as an agent A business model is also proposed. For example, in the Republic of Korea Patent Registration No. 10-0358487 "Fund Back System", a technology is proposed that transfers points accumulated for each user to a fund company, and the fund company acts as an agent for investment based on this, and then transfers the profits to the user, Republic of Korea Patent Publication No. 2002-0094402 "Investment agency system using points and its method" proposes a technique of acting as an agent for investment processing using points so that when a subscriber selects an investment type, it corresponds to this.

However, since the investment agency system through these funds is still related to investment methods such as stocks and bonds, it is an investment type that is irrelevant to small and medium-sized businesses and venture companies that cannot issue stocks or bonds but still need funds. there is. This is due to the fundamental problem of unbalanced distribution of investment information, in which the work of analyzing and evaluating corporate investment-related information and such investment-related information is concentrated only in some specialized fields and is not open to general investors.

Therefore, if information on SMEs or venture companies is provided along with reliable evaluations, and ordinary investors can invest with a small amount without burden, it will be advantageous to both companies and general investors because small amounts of direct investment can be activated.

The present invention was invented to improve the problems existing in the above-mentioned conventional online investment system and to provide various additional advantages. If information is disclosed transparently, objective and reliable evaluation information is added to the disclosed information, and based on this, ordinary investors can search conveniently and easily to select the company or investment stock they want, while making it possible to invest with a small amount. In addition, sound companies in need of funds, such as SMEs and venture companies, can easily collude and attract investments from general investors, rather than relying only on personal connections or bank loans, and furthermore, the imbalance of investment information is eliminated. It was invented based on the inventor's insight that it would be possible to provide a sharing channel of useful investment information according to

The above object is achieved by the investment brokerage platform system for small amount direct investment provided according to the present invention.

The investment brokerage platform system for small direct investment provided according to one aspect of the present invention is capable of connecting an investor terminal used by a plurality of investor members and an investment attractor terminal used by a plurality of investment attractor members through a network capable of bidirectional data communication. An investment brokerage platform system for small direct investment comprising an investment platform server, wherein the investment platform server: Basic information related to each investment attractor input from the plurality of investment attractor terminals and at least one desired by each investment attractor Processing investment item information to generate investment attraction information, convert it into a database, and store it; matching the stored investment attraction information with investment condition information input from the investor terminal to provide a list of recommended items and detailed item information to the investor terminal; It may be configured to provide a service of transferring investment money from an investor account designated by the investor terminal to an investment pool account 80 related to the investment item information according to the investment condition information for the investment item selected by the investor terminal.

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

According to the investment brokerage platform system for small direct investment according to the present invention having the above-described configuration, companies in need of funds provide investment-related information and process the investment-related information as transparent, objective and reliable information to make small amount direct investment. By disclosing it to general investors who want to invest, companies can easily receive investments and provide effects such as making it easy for non-experts to invest.

1 is a schematic diagram showing the overall configuration of an investment brokerage platform system for a small amount of direct investment according to an embodiment of the present invention.
Figure 2 is a schematic diagram showing the overall configuration of the investment mediation platform system for small amount direct investment in another way according to an embodiment of the present invention.
Figures 3 and 4 is a schematic flow chart for explaining the process of the investment mediation platform method for a small amount of direct investment according to an embodiment of the present invention.
5 is a schematic diagram for explaining movement of investment funds according to an embodiment of the present invention;

Hereinafter, the present invention will be described as a specific example with reference to the accompanying drawings.

1 and 2 are schematic diagrams showing the overall configuration of an investment brokerage platform system for small amount direct investment according to an embodiment of the present invention, and FIGS. 3 and 4 are for small amount direct investment according to an embodiment of the present invention. It is a schematic flowchart for explaining the process of the investment mediation platform method, and FIG. 5 is a schematic diagram for explaining the movement of investment funds according to an embodiment of the present invention.

The investment brokerage platform system for small direct investment provided according to one aspect of the present invention is a system that discloses transparent, objective, and reliable investment information for direct investment between an investor and an investment inducer (company). Furthermore, this system provides a multi-link micro direct investment system in which multiple investors and multiple investment inviters can be combined.

The system of the present invention illustrated in FIG. 1 basically includes an investment platform server 10, an investor terminal 20, and an investment attractor terminal 30 connected to each other through a communication network, and additionally includes a point provider server 40 and the financial institution server 50 and the investment information sharing server 60 can be connected. The system of the present invention is an investor terminal used by a plurality of investor members through a network capable of wired and wireless two-way data communication, such as the Internet web. 20) and the investment attractor terminal 30 used by a number of investment attractor members can be operated by the accessible investment platform server 10.

The investment platform server 10 may include, for example, a web server that recruits and registers members through a website, inputs and stores member information and investment information, provides a search service, and performs operations such as transferring investment money. can

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

Matters described below as interactions between investors or investment attractor members and the investment platform server 10 are actually investor terminals 20 and investment attractor terminals 30 connected to each other through a two-way data communication network, such as the web of the Internet. ) and the investment platform server 10 based on information exchange, such information exchange technology is obvious to those skilled in the art.

In this way, information is input, searched, provided on a web page, transmitted through an e-mail, transmitted through a short text message (SMS) to a mobile communication terminal, or traded or transferred in cash or cyber money online such as wired and wireless Internet. Since the techniques and the like are well known in the relevant field, detailed descriptions are omitted for simplicity of description unless closely related to the features of the present invention.

Figure 2 schematically illustrates a specific functional configuration of the investment platform server 10 of the system of the present invention. Referring to the illustrated configuration, which is non-limiting and merely illustrative of a possible embodiment, the investment platform server 10 includes an investment attractor module 11 for interaction with investment attractor members, and an interaction with investor members. Investor module (12), investment module (13) to control the investment process, information processing module (14) to collect, evaluate and manage investment information, matching to search and match investment items that meet the conditions desired by investors It may include a process module 15, and an external DB interworking module 16 for information sharing with the outside.

The investment attractor module 11 registers investment attractor members and receives basic information related to each investment attractor and at least one investment item information desired by each investment attractor from the investment attractor member, and processes the information through the information processing module 14. It can be processed and stored in the basic information database (DB) 111 and the investment information DB 112. The basic information DB 111 may include asset information, manpower information, business model information, and the like of an investment attractor, that is, a company. The investment information DB 112 may store information about investment items input by the investment attractor terminal 30 and investment attraction information generated by processing and evaluating them. Afterwards, the operation report submitted while the investment is being executed for a specific investment item can be received and stored in the operation report DB (113), and after the investment is completed, the result report can be received and stored in the result report DB (114). All completed histories in progress can be controlled to be stored in the investment attraction history DB (115).

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

The investment module 13 manages an investment process for a specific investment item by an investor. The investment may be cash or cyber money. In the present invention, this cyber money includes all points, smart money, mileage, etc. that can be generated offline or online and converted into cash. For example, it may be that a credit card company converts a point for paying a certain percentage of a payment amount to a card user according to details of use of a credit card. Information related to cyber money such as points may be stored in the point management DB 131 . Information related to investment conditions and investment items, including the investment amount or investment-related period, can be managed in the investment details DB 132, and the operation of starting, canceling, or completing an investment can be managed in the investment contract management DB 133. . The settlement process at the time of investment cancellation or investment completion can be managed in the investment settlement DB 134, and the management and control of the operation report or result report in the permeation process can be managed by the investment process management DB 135.__ The information processing module 14 evaluates the investment-related information and company-related basic information provided by the investment inviter, evaluates the investment process and history to ensure transparency and objectivity of the investment process, and converts the evaluated results into, for example, A, Evaluation grades expressed as distinct grades such as B and C can be provided (141 to 144). According to the present invention, the information provided by the investment inducer is not directly transmitted to the investor, but the processing information evaluated by the information processing module 14 of the investment platform server 10 is transmitted. This processing information aims at transparency and objectivity of investment information, and thus provides the advantage that ordinary investors can obtain reliable investment information.

On the other hand, the matching process module 15 matches the investment attraction information processed and generated by the information processing module 14 with the investment condition information input by the investor to provide a list of recommended items and detailed item information for each investment item to the investor. It is provided to the terminal (151, 152).

Investors can then select specific investment stocks. When an investment item is selected, the investment module 13 transfers the investment from the investor's investor account 71, 72, 73 (see FIG. 5) to the investment pool account 80 related to the investment item information. A related process may be initiated. Investment execution is performed by transferring the investment money from the investment pool account 80 to the investment attractor account 90 . The investment attractor can freely withdraw and use the amount transferred to the investment attractor account 90 in cash.

In one embodiment of the present invention, the investment money used by the investor may be cash, but need not be cash until the investor initiates the investment directly. Therefore, investment money is all forms of cyber money that can be cashed, such as points generated according to the payment amount of credit cards online or offline, points generated according to the purchase amount of products in offline or online shopping malls, mileage, smart money, cyber money, etc. All may be included, and in this specification, for convenience of description, these forms except for cash are unified and referred to as 'cyber money'. This cyber money is, for example, a point provider server 40 connected to the investment platform server 10 It can be mediated by the financial institution server 50 and then monetized.

The investment money may be cash or cyber money existing in the current investor accounts 71, 72, and 73 in which the investment is initiated. Alternatively, the investment money transferred to the investment pool account 80 at the time of investment start is the current cash or cyber money. It may not be money but what is expected to be acquired in the future, that is, the concept of a gift, that is, it will be transferred to the investor account 71, 72, 73 by the investor terminal 20 in the future designated by the investment platform server 10. Promised futures may be cyber money In this case, a contract related to cyber money futures trading may be concluded between the investment platform server 10 and the investor. A schematic flow chart for explaining the process of the investment brokerage platform method for direct investment is illustrated.In the system of the present invention, those who wish to attract investment, such as small and medium-sized enterprises or venture companies, can sign up as investment attractor members ( 110) When registering as an investment attractor member, basic information about the investment attractor is entered, an investment attractor account is opened, and detailed information on the investment item to be attracted is entered (1101).

The basic and item information of the investment attractor entered in this way is processed in the information processing process 140 and generated as investment attraction information. In the information processing process 140, for example, investment item information is evaluated according to the evaluation criteria of the investment platform system itself (1401), evaluation by external experts is performed (1402), and, if necessary, the company's workplace is actually visited and evaluated. A due diligence visit evaluation 1403 may also be performed. Along with each of these evaluation information, an investment grade that can indicate investment eligibility or investment risk may be set for the investment attractor and the investment item (1404).

Furthermore, it may include a business explanation report (IR data) provided by a member of the investment attraction for the investment item included in this investment attraction information. As such, since the investment attraction information according to the present invention includes the investment briefing report data in which the investor actively explains his or her business, anyone can freely search for and view the investment briefing report data of companies related to the desired item. It provides the advantage of being able to prepare a venue for an appropriate investment briefing session.

In addition, the investment attraction information may include an expert's recommendation opinion or investor member's comment on the included investment item. This allows investment attraction information not only to include subjective explanations by the investor, but also to include the opinions of experts, who are objective third parties, and the comments of ordinary investors who have experience or are interested in investing in the relevant investment item. do. Accordingly, an advantage of being able to generate more three-dimensional and reliable investment attraction information can be provided.

In addition, according to the present invention, a 'ranking system' may be applied to investment items included in each investment attraction information. In other words, for each investment item, experts and investor members can not only express their opinions, but also rank them according to the form of popularity voting, and the popularity ranking can be ranked according to this form of voting. This 'ranking system' does not directly guarantee the rate of return on a specific investment item, but it can provide a holistic view of the overall investment environment and furthermore, it can arouse interest among investor members and investment attractor members. Advantages can be provided. The investment attraction information processed in this way can then be combined with the feedbacked information and used in the information sharing process 160 to be shared with an external investment information sharing DB. Feedback information may consist of all investment history and evaluation information about the current and previous investment process for each investment item and / or for each investor. An external financial institution server 50 connected to the platform server 10 may be used as loan information.

According to the system of the present invention, by generating and storing reliable and transparent investment attraction information, it is easy for an investor to find an investor, and at the same time, an investor can easily find a desired investor. An investment destination seeking investment attraction information may be a general investor member, and may be an external investment information sharing server 60 connected to the investment platform server 10 . The investment information sharing server 60 may be a system of a public institution that supports entrepreneurship. Using the system of the present invention, an investment destination, that is, an investment information sharing server 60 or an investor member looking for a company to invest in, actively invests under the conditions, for example, 'item: education, entrepreneurship: 3 years, number of people: less than 10 people'. You can find the investment attractor you want by searching for attracting information.

In this way, the process of investors finding investors can be more 'automated'. That is, the investor member or the investment information sharing server 60 may set desired keywords (for example, conditions such as 'item: education, entrepreneurship: 3 years, number of people: less than 10 people') in advance.

In this case, the investment platform server 10 may select investment attraction information corresponding to the previously stored or newly generated and stored investment attraction information corresponding to the set keyword. Selected investment attraction information may be transmitted from the investment platform server 10 to the investment information sharing server 60 or transmitted to investor members via e-mail or SMS text message. In the system of the present invention, a general investor, which may be, for example, an individual, may sign up as an investor member (120). When an investor registers as a member, basic information about the investor, that is, member information including personal information is entered, and an investor account is opened (1201). Each investor member is provided with a personal web page (My Page) (1202). Of course, dedicated pages may also be provided to investment attractor members. Investor members may generally be individuals wishing to invest directly. However, the present invention need not be limited to this type of investor membership. For example, companies and organizations that specialize in investment, such as financial institutions or investment companies, can also act as investor members in the system according to the present invention. Therefore, although investor members are assumed as general individuals below, the investor members of this system should be understood as a broad concept encompassing all types of individuals and organizations who want to invest directly with their own capital.

Investor members must select specific investment stocks for investment. For selection, a matching process 150 is performed. In the matching process 150, the investor member may input desired investment conditions (1501) and perform a search (1502). Accordingly, when a matched investment item is searched for, a list of recommended items is listed (1503), and detailed item information on the investment item selected by the investor member can be viewed (1504). Through this process, investor members can decide to invest in specific investment stocks.

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

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

In the present invention, the investment platform server 10 may be provided so that the investment attractor can withdraw the investment of the investment pool account 80 to the investment attractor account 90 at least once. That is, when the investment money from the investment pool account 80 is invested in the investment inducer at once, the investment execution is completed by being transferred once. Furthermore, when the investment money__ from the investment pool account 80 is divided and invested over a certain period of time to the investment inducer, the investment execution 1308 may be performed by dividing and transferring multiple times.

On the other hand, before the investment is executed (1308), the investment platform server 10 monitors the real-time cumulative amount of the investment transferred to the investment pool account 80, and the accumulated amount meets the investment start condition determined according to the investment item information. It is determined whether they are satisfied (1304). Accordingly, if certain conditions, for example, investment start conditions such as whether a certain period of time has elapsed after the investment contract, but the cumulative investment amount has not reached 30% of the total investment amount (YES in 1305), the contract is terminated (1306) and the settlement is made. It operates to transfer the investment money transferred to the investment pool account 80 back to the original investor account 71, 72, 73 (1307).

That is, only when the investment start condition is satisfied, the investment attractor withdraws the investment money transferred to the investment pool account 80 to the investment attractor account 90, that is, the investment is executed (1308).

Here, the investment pool account 80 may be a virtual account that is automatically generated one by one for each investment item. The investment pool account 80, which is a virtual account, is a kind of fund or pool in which investments deposited from accounts of a number of investor members are gathered. Unlike the direct transfer of investment money from investors to investment inviters, by setting up this virtual intermediate investment pool account 80, a device for making investment money more transparent and safe is provided. That is, the process of withdrawing money from the investment pool account 80 may be managed by a third party, such as the investment platform server 10 or other external administrators, other than investors and investment attractors. Such a service providing protection by a third party is commonly known as 'escrow'.

In general, 'escrow' means that a neutral third party or institution, in the capacity of a representative of both parties, keeps the deposit or guarantee related to the sale or all the property and documents corresponding to it until the contract terms are terminated. According to the present invention, the investment pool account 80 may refer to a virtual account between an investor and an investment attractor to keep the investment during the period until the investment is actually executed after the investment contract.

Characteristically, in order to secure the transparency of the investment process, the platform server 10 receives an operation report including operation details of the withdrawn investment from the investment attractor (1309) and provides it to the investor to receive an evaluation of the operation report. (1310). Then, according to this evaluation, permission to withdraw additional investment money from the investment attractor terminal 30 is approved or rejected (1311). If the investment is subsequently rejected (NO), the contract may be terminated (1312) and a settlement procedure (1313) may be performed.

If it is determined (YES) that the investment will continue thereafter in step 1311, it is determined whether the investment completion condition is satisfied (1314). The conditions for investment completion are the same as whether the total amount of investment attracted has been executed or whether the contracted investment period has all elapsed. If there is still investment money that has been attracted but has not been executed, or if the investment period has not yet elapsed (NO), the step 1311 of determining whether to continue the investment from the step of executing the investment 1308 may be repeated. When the investment completion condition is met (YES), the investment attractor evaluates the investment execution result profit or loss (1315), and generates a result report and transmits it to the investment platform server 10 (1316). The investment platform server 10 may end the investment process for the corresponding investment item by allowing the investment attractor to transfer the profits according to the result report and distributing the profits to the investors (1317).

In the system of the present invention, the types of investment items proposed by the investment promoter and selected by the investor do not need to be particularly limited. The investment item may be, for example, in the form of including at least a part of a business project that the investor proposing the investment item is carrying out or is planning to carry out, or the company or individual itself as the investment attractor may be the investment item, and bonds It may be an intellectual property, such as a product or a patent.

In another embodiment of the present invention, members using this system, that is, investment attractor members and investor members, may be divided into a plurality of grades and each have differential authority. Members may be called various names such as, for example, general members, special members, regular members, temporary members, free members, paid members, and the like. In the present invention, the name of the member is irrelevant, but only the characteristic that the authority differs according to the level is important. The authority according to the level will be related to the degree of information access and the scope of investment activities. Membership levels can be determined and assigned based on each member's past career and will and history data using this system.

In particular, according to the present invention, investor members can be classified into general members and 'leader members'. General members have the right to act only as investors, while leader members are investors and have the right to receive support from the investment platform server 10 so that they can actively recruit investor members for their selected investment item. 'Leader members' generally specialize in investment and can be seen as members with special abilities and expertise in the field of investment. These leader members themselves can act as intermediaries between general investors and investment promoters, and in this system, these professional individual investors are specifically utilized as 'leader members'. In this system, the leader member's activities Briefly, it is as follows. The leader member may select promising investment items using the matching process 150 . After that, the leader member does not simply passively observe the investment process (130) for the investment item, but actively engages in investor attraction activities through advertisements or investment encouragement emails to other general investors for the investment item. can These activities of leader members not only relieve ordinary investors from the trouble of discovering promising investment stocks, but also provide the advantage of making it easier for investment attractors to recruit investors.

Therefore, the investment attractor may consider it advantageous to conduct intensive attraction activities, such as providing more detailed investment information or holding business briefings, targeting these leader members. In order to support the special interest of the investment attractor, this system may provide investment attractor members to limit the disclosure of at least some of the information they provide to investor members of the leader membership level. This can be done by providing information so that at least some items such as investment inviter basic information, IR (investmentreport) information, and investment item information can be disclosed or the scope of disclosure can be determined.

In the above, the method of selecting an investment item suitable for the investor member's taste has been explained. Alternatively or additionally, in another embodiment of the present invention, it is possible to select an investor suitable for the taste of the investor. This can be done in such a way that in the matching process 150, the search subject is the investment attractor and the search target is investor member information. Accordingly, the investment attractor, within the matching process 150 provided by the investment platform server 10, presents the conditions of the investor member he or she wants, searches for the investor member using the investor member's condition, and among the searched investor members You can choose which investor member you want. Thereafter, the investment inducer may send an investment invitation official letter via e-mail to the selected investor member, or may conduct investment consultation through, for example, chatting on the web.

In the system of the present invention, each investor member is also supported to advertise widely, eg on the web, for investment stocks in which he or she is investing or is not investing but believes to be promising. To this end, the investment platform server 10 may provide each investor member with a means for posting and advertising at least one piece of investment attraction information selected by the investor member on a website. Such a means may be a system that supports posting on a personal blog site of an investor member, and/or a free bulletin board of a portal site, for example. In addition to this, investor members may be supported to send investment information to acquaintances through e-mail. A personal blog site may be provided by the investment platform server 10 to each member. When investors are attracted according to the advertisements of these members themselves, a predetermined reward, such as cyber money that can be used as investment money in this system, may be given.

Since the information related to investment items or investment attraction advertised by investor members is transmitted through the web or e-mail, it may include a certification mark hyperlinked to a web page containing the investment attraction information provided by the investment platform server 10. can This authentication mark is a kind of icon and can be configured to include text and/or images including simple information related to the fact that investment is made by this system and investment items.

As described above, the investment platform system of the present invention is characterized as a system that helps ordinary investors make direct investments in companies safely with a small amount based on reliable investment information. To this end, this system carefully evaluates investment-related information submitted by companies, presents the evaluation results so that ordinary investors can easily understand, transparently discloses the operating status of the investment process, and ensures appropriate evaluation, thereby reducing the risks associated with investment. It provides the advantage of being able to establish an open market for investment information and an open investment attraction market that can reduce costs and maximize profits.

In addition, by enabling a small amount of investment using cyber money such as points or mileage, it can be used as a process for not only investors seeking profits, but also general investors to gain experience for investment research or study purposes before investing in earnest, The advantage is that a culture can be established in which a small amount of points that are simply thrown away can be donated to small and medium-sized enterprises or venture companies that carry out public projects.

In the above, the present invention has been described through specific embodiments, but those skilled in the art can make various modifications by referring to and combining various features described in this specification. Therefore, it is pointed out that the scope of the present invention should not be limited only to the described embodiments, but should be construed in accordance with the appended claims.

Claims (1)

For small direct investment, including an investment platform server 10 accessible to an investor terminal 20 used by a plurality of investor members and an investment attractor terminal 30 used by a plurality of investment attractor members through a network capable of two-way data communication As an investment brokerage platform system, the investment platform server 10:
Processing basic information related to each investment attractor input from the plurality of investment attractor terminals 30 and at least one investment item information desired by each investment attractor to generate investment attraction information, create a database, and store it;
matching the stored investment attraction information with investment condition information input from the investor terminal 20 to provide a list of recommended items and detailed item information to the investor terminal 20;
An investment pool account associated with the investment item information ( 80), an investment intermediary platform system for small direct investment, characterized in that configured to provide a transfer service.