KR101507151B1 - Method and system for united investing based on acquaintance - Google Patents

Abstract

Disclosed are a method and a system for united investment based on acquaintances capable of activating investment in funds for general people. The system for united investment based on acquaintances comprises: an independent account generating unit; an investment object obtaining unit; an investor status classifying unit; an investor status transfer unit; a loan processing unit; an investment executing unit; and an investment distributing unit. The independent account generating unit generates an independent account to which a dependent account of each member is connected. The investment object obtaining unit obtains a particular investment object after providing a forum on recommended investment objects. The investor status classifying unit classifies members into an investment developer, an investment supporter, an investment dissenter, and an investment neutral party in response to the particular investment object, and provides the information to member terminals. When an investor status transfer is requested through at least one member terminal, the investment status transfer unit re-classifies the members into an investment developer, an investment supporter, an investment dissenter, and an investment neutral party in response to the transfer, and provides the investor status information on the relevant investment. When a loan process is completed, or an investment from each dependent account is transferred to the independent account, the investment executing unit invests the investments transferred to the independent account in the obtained investment object. The investment distributing unit divides return on investment according to the investor status information, and transfers the divided return on investment to the dependent counts.

Description

METHOD AND SYSTEM FOR UNIT INVESTING BASED ON ACQUAINTANCE

The present invention relates to an acquaintance-based integrated investment method and system thereof, and more particularly, to an acquaintance-based integrated investment method and system that can activate funding investment for a general public.

Since cyber trading using the Internet has been introduced in Korea, the majority of the total stock investing population has invested in stocks through cyber trading. In order to collect information for investing in stocks, until the Internet became popular, securities brokers used media, media, or acquaintances of related industries. In recent years, however, Therefore, the importance of these sites is on the rise.

Currently, the service methods of sites providing information related to stock investment using the Internet are as follows.

How to submit mutual information to investors by posting their opinions on the free bulletin board (usually common sense or expert opinion they know), providing information on securities by mobilizing institutional fund managers or securities analysts How to make a reference to a member's investment by disclosing an investment portfolio of a securities professional, and suggesting a recommendation item or an investment model so that the member can refer to the investment.

However, in the case of the method of mutual information exchange among member members of the site, since information exchange is performed among the unspecified majority, the information providing side does not provide the advanced information and the information acquiring side has low reliability of the information There is a problem.

In addition, the information provided by institutional fund managers and securities analysts, as well as the information through the disclosure of investment portfolios, are also distorted and irrelevant to the original intention, causing social problems.

Korean Patent Laid-Open Publication No. 2013-0082853 (titled: device and method for providing stock community service) Korean Patent No. 10-0810166 (titled: Method and system for operating a joint account and recording medium therefor) Korean Patent Publication No. 2000-0054632 (entitled " Internet Investment Service Method " Korean Registered Patent No. 10-0401447 (titled "online stock trading system with automatic order function linked to reader investor) Korean Unexamined Patent Publication No. 2006-0097499 (titled: Account-linked stock integration and sale system using data communication network and method thereof)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and an object of the present invention is to provide a method and apparatus for managing funding investment, And to provide an integrated investment method based on acquaintance that can increase the investment efficiency of the general public by allowing investment or funding through the independent account.

Another object of the present invention is to provide an acquaintance-based integrated investment system for performing the above-mentioned acquaintance-based integrated investment method.

In order to realize the object of the present invention described above, an acquaintance-based integrated investment method according to an embodiment includes: defining accounts of respective members recruited in acquaintance-based unified investment as dependent accounts, and creating independent accounts linked to the dependent accounts do. Then, members are recommended to invest through the member terminal and provide a forum for discussion of recommended investment targets, and then select specific investment targets. Then, in response to a specific investment object, the members are classified into an investor, an investor, an investor, and an investor, thereby providing investor status information on the investment to the member terminal. Then, when the transfer of the investor status is requested through at least one member terminal, the member is divided into the investor, the investor, the investor, and the investor in response to the transfer to provide investor status information about the investment . Then, as the investment execution is requested, it is checked whether or not the investment deposit has been completed in the independent account at each of the dependent accounts. If it is checked that the investment has not been paid in a specific subordinated account, the loan is processed in response to the subordinated account that has not been paid. When the lending process is completed or the deposit of money in the independent account is completed in each of the dependent accounts, the money invested in the independent account is invested in the selected investment object. When the investment return condition is satisfied and the investment return is collected, the investment return is distributed according to the investor status information and transferred to the dependent accounts.

In one embodiment, the loan processing step may include borrowing between members or lending through a bank. Here, borrowing between the members may include a fixed interest rate or a floating interest rate.

In one embodiment, the step of processing the loan includes the steps of: requesting a member of the non-performing account to deposit money; Checking whether borrowing between members is requested; Requesting borrowing permission to borrowable members when borrowing is requested between members; And transferring the borrowed amount from the subsidiary account of the borrowing authorized member to the independent account when the borrowing permission message is received.

In one embodiment, the investment return may be deposited into the independent account.

In one embodiment, the step of transferring money to the dependent accounts includes checking if there is borrowing between members if the profit for the investment is checked to be generated; Distributing the investment profit based on the investor status information if it is determined that the borrowing does not exist; If it is determined that the borrowing exists, distributing the investment profit according to borrowing according to the investor status information; And transferring the initial investment and the distributed investment profit to each of the dependent accounts corresponding to the investor status information.

In one embodiment, if it is determined that a benefit to an investment has been generated, it may further include subtracting the joint reserve from the investment profit.

In one embodiment, the step of transferring money to the dependent accounts comprises: checking if there is borrowing between members if the loss of investment is checked; If it is determined that the borrowing does not exist, distributing the investment loss according to the investor status information; If it is determined that the borrowing exists, distributing the investment loss due to borrowing according to the investor status information; And transferring the amount of the investment loss deducted from the initial investment to the respective dependent accounts corresponding to the investor status information.

According to another aspect of the present invention, there is provided an acquaintance-based integrated investment system including an independent account generation unit, an investment target acquisition unit, an investor status division unit, an investor status transfer unit, an account verification unit, Investment Executive; And an investment share portion. The independent account creator defines the account of each of the members recruited in the acquaintance-based integrated investment as a dependent account, and creates an independent account to which the dependent accounts are linked. The investment object acquiring unit obtains a specific investment object after providing a discussion place for the recommended investment objects by recommending the objects to be invested through the member terminal from the members. The investor status division divides the members into investment prospectors, an affirmative investor, an investor, and an investment neutral in response to a specific investment object, and provides investor status information on the investment to the member terminal. If the transfer of the investor status is requested through at least one member terminal, the investor status transfer unit may re-classify the members as an investor, an investor, an investor, and an investor in response to the transfer, Lt; / RTI > The account checking unit checks whether the investment deposit is completed in the independent account at each of the dependent accounts as the investment execution is requested. The loan money processing unit, if it is checked that the investment money has not been paid in the specific subsidiary account, performs loan processing in response to the dependent account that has not been paid. When the lending process is completed or the deposit of the investment money into the independent account is completed in each of the dependent accounts, the investment executor executes the investment to the acquired investment object. When the investment recovery condition is satisfied and the investment recovery amount is recovered, the investment share distribution unit distributes the investment recovery amount according to the investor status information and transfers it to the dependent accounts.

In one embodiment, the loan processing unit may include an inter-member borrowing processing module. The inter-member borrowing processing module requests the borrowing member to borrow the borrowing member when a borrowing request is made from a member of the borrowing account, and when the borrowing permission message is received, transfers the borrowing amount from the dependent account of the borrowing authorized member to the independent account You can transfer.

In one embodiment, the loan processing unit may include a bank loan processing module. The bank loan processing module may request a loan to a bank system set by the member when a bank loan is requested from a member of a non-banking account, deposit the loan amount corresponding to the loan, and transfer the money to the independent bank account.

According to this affiliate-based investment method and system, it is possible to activate funding investment for the general public, to join the closed-investment meeting, to join the independent account operated by the closed investment group, Investment and funding can be made so that the investment efficiency of the general public can be increased.

1 is a block diagram illustrating an acquaintance-based integrated investment system according to an exemplary embodiment of the present invention.
FIG. 2 is a block diagram for explaining an acquaintance-based integrated investment system shown in FIG. 1. FIG.
3 is a block diagram for explaining the message push server shown in FIG.
FIG. 4 is a block diagram illustrating the investment management server shown in FIG. 2. FIG.
5A and 5B are flowcharts for explaining an acquaintance-based integrated investment method according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining the loan processing step of FIG. 5B.
FIG. 7 is a flow chart for explaining the steps of collecting and distributing the investment payout of FIG. 5B.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. Also, the terms "part," " module, "and the like, which are described in the specification, refer to a unit for processing at least one function or operation, and may be implemented by hardware or software or a combination of hardware and software.

1 is a block diagram illustrating an acquaintance-based integrated investment system according to an exemplary embodiment of the present invention.

1, an acquaintance-based integrated investment system 100 according to an exemplary embodiment of the present invention is connected to one or more banking systems 10 and one or more securities company systems 20, The members control the investment or funding through an independent account corresponding to the closed investment group to which they belong. In the present embodiment, the member terminals 210 may be a smart phone, a personal digital assistant (PDA), a smart pad, a personal computer, a workstation, a notebook, etc., have. In this embodiment, the closed investment meeting is conducted on-line, for example, on an Internet café operated by various Internet portal sites, or may be carried out on the Naver bands, Naver lines, Facebook, etc. of the mobile environment.

The members explore the investment targets to invest or fund in a single independent account and conduct an investment discussion on the investors who are expected to have the greatest return among the discovered investment targets.

Through the above-mentioned investment discussion, the members are classified as investors, investors, investors, investors and investors, and are given the opportunity to transfer their positions to investors. You can change your investment status as an investor or an investor.

After the investor status transfer procedure is completed, the invested money is transferred from the dependent account of each member and the investment return is collected. When the investment return is collected, the investment profit or investment loss is distributed according to the investment status and the dependent account corresponding to each member . Here, if the investment money is not paid in at least one dependent account among the dependent accounts of the respective members, the acquaintance-based integrated investment system 100 controls the borrowing operation between the members so that the corresponding investment money can be deposited, Thereby controlling the lending operation to be performed.

As described above, according to the present invention, an ordinary person joins a closed-end investment group and also joins an independent account operated in a closed-end investment group, and makes investment or funding through the independent account, . In other words, it can activate funding investment for the general public.

For example, an ordinary person joins a closed investment group such as an alumni association or a family gathering related to himself / herself, and registers a member as a member while depositing a certain amount of shares in an independent account in real time or a predetermined period. When an investment is made in an independent account, a certain amount of equity is acquired according to the contribution of the investment. For example, it recommends venture companies before the KOSPI or KOSDAQ listing, conducts verification from various angles to the company, invests in the company that has passed the verification, periodically reviews the time after the investment , And when a certain number of conditions are satisfied, the profit or loss is distributed through the investment return.

FIG. 2 is a block diagram for explaining an acquaintance-based integrated investment system shown in FIG. 1. FIG.

Referring to FIGS. 1 and 2, the acquaintance based integrated investment system 100 includes a message push server 110 and an investment management server 120.

The message push server 110 is connected to a member terminal 210 such as a member's computer or a smartphone of a member, and transmits a message to the member terminal 210 or receives a message.

The investment management server 120 is connected to the brokerage system 10 and the banking system 20 to induce the general public to join the closed investment meeting and induce the independent account operated in the closed investment meeting to join the independent account, Based investment service operation so that the investment or funding can be performed through the Internet.

Specifically, the investment management server 120 defines an account of each of the members recruited in the acquaintance-based integrated investment service as a dependent account, and creates an independent account linked with the dependent accounts.

In addition, the investment management server 120 performs an operation of acquiring a specific investment object after providing a discussion place for recommended investment objects by recommending the investment objects through the member terminal from the members.

In addition, the investment management server 120 divides the members into an investment excavator, an investor, an investor, and an investor in response to a specific investment object, and provides the investor status information on the investment to the member terminal do.

In addition, when the investment transfer server 120 requests the transfer of investment through at least one member terminal, the investment management server 120 classifies the members as an investment excavator, an investor, an investor, and an investor in response to the transfer, And performs an operation of providing investor status information.

In addition, the investment management server 120 performs an operation to check whether or not the investment deposit has been completed in the independent account in each of the dependent accounts as the investment execution is requested. Here, if it is checked that the investment has not been paid in the specific subsidiary account, the investment management server 120 performs an operation of lending processing corresponding to the subordinated account that has not been paid.

In addition, when the lending process is completed or the investment deposit is completed in the independent account in each of the dependent accounts, the investment management server 120 performs an operation of investing the investment deposited in the independent account to the obtained investment object .

In addition, when the investment recovery condition is satisfied and the investment recovery amount is recovered, the investment management server 120 distributes the investment recovery amount according to the investor status information, and performs an operation of transferring money to the dependent accounts.

3 is a block diagram for explaining the message push server shown in FIG.

1 to 3, the message push server 110 includes an external agent 1100, a push handler 1200, a key manager 1300, a push manager 1400, and a remote manager 1500 . In the present embodiment, the message push server 110 may be equipped with a solution capable of delivering a large amount of messages in real time to a large number of member terminals in various environments.

The connection method between the message push server 110 and the member terminal 210 may be connected in a normal mode or an encryption mode. In normal mode, all messages are sent as plain plain text, and in encryption mode, the sender can selectively transmit plain text or encryption. The message delivery method registers a key of a message to be received by the member terminal 210 in the message push server 110 and the message push server 110 delivers the message to the member terminal 210 using the registered key. However, the information required for all the member terminals 210 may be unilaterally transmitted from the message push server 110 without key registration.

The external agent 1100 performs the connection management operation of the member terminal 210 through the push interface 1110. [ The member terminal 210 is connected to the push handler 1200 via the push interface 1110 after the connection is completed.

The push handler 1200 keeps connection after connection authentication of the member terminal 210, and is responsible for message transmission / reception.

The key manager 1300 performs a process of registering or deleting a corresponding key in the key table 1310 when a request for deletion or registration of the key is received from the member terminal 210. [

The push manager 1400 forwards the message to each push handler 1200 to send a message to the registered member terminal 210. Here, the message may be classified into a general message, an important message, a reception response message, and the like, and may be transmitted to a specific member terminal, a specific group, or all member terminals. The general message may be a message that can be filtered by a frequently generated informative message. The important message may be a message that must be received and processed by the member terminal 210, such as an individual's transaction details, investment account withdrawal account balance information, loan related information for finishing the investment, and withdrawal deposit information. The reception response message may be a message that the member terminal 210 should transmit a reception response to the server upon reception.

The remote manager 1500 registers or deletes a key with a remote push server disposed at a remote location. In addition, the remote manager 1500 is responsible for sending and receiving messages to and from the remote push server.

In this embodiment, the message push server 110 may further include a monitoring module 1600. The monitoring module 1600 can monitor process information, system resource information, data transmission / reception information, and the like in real time. The monitoring module 1600 transmits the monitoring information to the member terminal 210 at a predetermined period requested by the member terminal 210 connected through the monitoring interface 1610. The monitoring module 1600 may request the necessary information from the member terminal 210 as needed from time to time. Monitoring may include monitoring of system resources such as CPU and memory, monitoring of message transmission / reception information capable of monitoring the message processing status of the message push server 110, and monitoring of system failure such as process information.

In this embodiment, the message push server 110 performs the function of delivering the message. For example, the message push server 110 delivers a message to a specific member terminal, transmits a message to each member terminal group, or delivers a message to the entire member terminal.

In addition, the message push server 110 may perform a function of filtering a message. For example, when a large amount of data is generated, all data may be filtered at a predetermined time interval without being transmitted to the member terminal 210, so that the data can be adjusted according to the processing capability of the network unit or the member terminal 210.

In addition, the message push server 110 may perform a function of typing a message. For example, the message transmission type can be classified into a general message, a mandatory message, a response request message, and the like.

Also, it is possible to expand the push server in the message push server 110 in parallel. That is, it is possible to add a push server in parallel to appropriately distribute system resources according to the number of connected member terminals 210.

Also, the message push server 110 can be configured to separate the message server and the push server. In other words, it is possible to connect with various servers that generate messages in a parallel manner, and the push server can be separated.

In addition, the message push server 110 may perform the connection restriction function. That is, the IP of the specific member terminal 210 is registered to restrict the connection.

In addition, the message push server 110 may support encryption. That is, a public key / secret key encryption method for encrypting an important message is basically provided.

In addition, the message push server 110 may perform statistical functions. That is, information such as the number of daily message transmission / reception and the number of transmission failure can be provided. In addition, information such as the number of ACK requests, the number of ACK responses received, and the like can be provided. In addition, in the case of an essential message and an ACK request message, a transmission failure message inquiry function can be provided.

FIG. 4 is a block diagram illustrating the investment management server 120 shown in FIG. 2. Referring to FIG.

2 and 4, the investment management server 120 includes an independent account generating unit 2110, an investment object selecting unit 2120, an investor status classifying unit 2130, an investor status transferring unit 2140, A loan money processing unit 2160, an investment management unit 2170, and an investment fund distribution unit 2180. In this embodiment, the acquaintance-based integrated investment system 2100 includes an independent account generation unit 2110, an investment object selection unit 2120, an investor status classifier 2130, an investor status transfer unit 2140, an account confirmation unit 2150, a loan processing unit 2160, an investment management unit 2170, and an investment distribution unit 2180. However, this is logically divided for convenience of explanation, but is not classified by hardware.

The independent account creation unit 2110 defines the accounts of the members who are recruited in the acquaintance based integrated investment as the dependent account 212 and creates the independent account 2102 to which the dependent accounts 212 are connected.

The investment object selection unit 2120 selects a specific investment object after providing a discussion place for the recommended investment objects by recommending the objects to be invested through the member terminal 210 from the members.

The investor status classifier 2130 classifies the members into investment promoters, investment pros, investors, and investment neutrals in response to a specific investment target, and provides investor status information on the investment to the member terminal 210.

If the investor status transfer unit 2140 requests the transfer of the investor status through the member terminal 210 possessed by at least one member, the investor status transfer unit 2140 transmits the members to the investment explorer, the investor, the investor and the investment neutralizer And provide information on the status of investors in relation to the investment so that members can confirm the status of investors.

For example, it assumes that 20 members invest 10 million won per person and make a total investment of 200 million won.

Member 1 is an investment explorer and members 2, 3, 4 and 5 are pros and cons, and 6 members, 7 members, 8 members, 9 members, 10 members, 11 members, It is assumed that members 12, 13 and 14 are opponents of investment and 15, 16, 17, 18, 19, and 20 are investment neutral.

Assuming that the total proceeds of 200 million won is 100 million won per day, the profits distributed to each member can be summarized as shown in Table 1 below.

As shown in the above table 1, the member 1 having the status of investment excavator is distributed with a profit of 10,000,000 KRW per day, and the member 2 to 5 members having the status of the prosperous investor are allocated a profit of 12,500,000 KRW per day, Profits of KRW 1,111,111 are distributed to members 6 to 14 who have opposition status, and KRW 5,000,000 is distributed to members 15 to 20 who have investment neutral status. The information on the profit distributed to each member when the profit before the investment transfer is generated can be confirmed by the members through the member terminal 210.

On the other hand, assuming that the total loss on the total investment is KRW 15 million, the losses distributed to each member can be summarized as shown in Table 2 below.

As shown in the above table 2, a loss of 1,500,000 won is distributed to the member 1 who is in the position of an investment explorer, and a loss of 1,875,000 won is distributed to each of the members 2 to 5 who are in favor of the investment, Losses of 166,667 won are distributed to each of members 6 to 14 who have opposition status, and a profit of 750,000 won is distributed to each of members 15 to 20 who have investment neutral status. Information on the loss amount distributed to each member when the loss before the investment transfer is generated can be confirmed by members through the member terminal.

Through the above Tables 1 and 2, a specific member can transfer his / her own investment status for various reasons such as a purpose of raising a profit or a loss amount, or a change of investment hearing after a certain time. For example, members 6 through 9 may transfer from an investment opponent to an investment proponent, and members 15 and 16 may transfer from an investment neutral to an investment opponent. If such transfers are made, the total proceeds of the total investment will be summarized as shown in Table 3 below, assuming that the daily profits distributed to each member are 100 million won.

As shown in the above table 3, the member 1 having the status of investment excavator is distributed with a profit of 10,000,000 KRW per day, the members 2 to 9 having the status of the prosperous investor are allocated a profit of 6,250,000 KRW per day, For each of the members 10 to 16 having opposition status, the proceeds of 1,428,571 won will be distributed to the members 17 to 20 who have the investment neutral status. The information on the proceeds distributed to each member at the time of the revenue transfer after the investment transfer can be confirmed by the member through the member terminal.

In addition, assuming that the total loss on the total investment is KRW 15 million, the losses distributed to each member can be summarized as shown in Table 4 below.

As shown in the above table 4, the member 1 having the status of the investment explorer is distributed with a profit of 1,500,000 won per day, the members 2 to 9 having the status of the prosperous investor are allocated a profit of 937,500 won per day, For each of the members 10 to 16 having opposition status, a total of KRW 214,286 will be distributed, and KRW 1,125,000 will be distributed to members 17 to 20 who have investment neutral status. Information on the loss amount to be distributed to each member when the loss occurs after the transfer of the investment can be confirmed by members through the member terminal.

2, the account checking unit 2150 checks whether or not the investment deposit has been completed in the independent account 2102 in each of the dependent accounts 212 as the investment execution is requested.

The loan processing unit 2160 performs the loan processing in response to the non-deposited dependent account 212 when it is checked that the investment money has not been paid in the specific dependent account 212. [ Member borrowing processing module 2162 and a bank loan processing module 2164 in this embodiment.

The inter-member borrowing processing module 2162 requests the borrowing member to permit borrowing when a borrowing request is made from a member of a non-banking account, and when the borrowing permission message is received, the borrowing amount is transferred from the dependent account 212 of the borrowing- To the independent account (2102).

The bank loan processing module 2164 requests a loan to a bank system set by the member when a bank loan is requested from a member of a non-depositing account, deposits a loan amount corresponding to the loan, and transfers the money to an independent account. Here, it is obvious that the loan is set considering the credit or guarantee of the member.

When the lending process is completed or the deposit of investment money is completed in the independent account 2102 in each of the dependent accounts 212, the investment management unit 2170 may deposit the investment money in the independent account 2102 in the selected investment target I will execute. The investment target may be securities, bonds, stocks, real estate, and the like. The securities may be debt securities, equity securities, beneficiary certificates, investment contract securities, derivatives-linked securities, securities depository securities, etc. The debt securities may be government bonds, municipal bonds, corporate bonds, corporate bonds, and the like. The equity securities are referred to as ordinary shares.

When the investment recovery condition is satisfied and the investment recovery amount is recovered, the investment amount distribution unit 2180 distributes the investment recovery amount according to the investor status information and transfers it to the dependent accounts 212.

5A and 5B are flowcharts for explaining an acquaintance-based integrated investment method according to an embodiment of the present invention.

Referring to FIGS. 5A and 5B, members of an acquaintance-based closed-end investment group are recruited online (step S1010). Here, the member recruited to the acquaintance-based closed-end investment meeting may be registered as a member if the consent of the other members is given. For example, a founder of an acquaintance-based closed-end investment group is first converted into a member, and the founder recruits at least one member as a member of a specific meeting. For example, an acquaintance-based closed-end investment meeting may be a family-based family-based meeting, an alumni-level meeting that has graduated from a certain school, or a regional meeting through a specific region.

A registered member invites other members who are not registered as members to join through a procedure such as inducing a subscription. When a person who is invited to register requests to register, he or she is asked whether he or she is already registered as a member. If all other people agree to the membership of the person wishing to become a member, they are registered as members. The founder may limit the number of members of the closed-end investment group (for example, may be limited to 50), limit the timing of membership recruitment (for example, may be limited to one month) . In the present embodiment, if all the members agree, the person who wants to join is registered as a member. However, for example, if there is 90% of the members, the person who wants to join may be controlled to be registered as a member.

Then, after a member of the closed investment group is collected, an independent account to which the dependent accounts of the members are linked is created (step S1020). The independent account can be created by the independent account creation unit 2110 (shown in FIG. 4). The above-mentioned members' subordinate accounts are their own specific accounts established by the member when the member joins the affiliated fund-based investment meeting.

In the present embodiment, the independent account to which the dependent accounts are connected means that the investment money set by the member is automatically transferred from the dependent account to the independent account and automatically transferred from the independent account to the dependent account. In addition, the meaning of the independent account linked to the dependent accounts means that if the investment set by the member is insufficient in the dependent account and the loan is necessary, the mutual account is settled by the borrowing process between the members based on the standard deposit interest rate, If it is not possible, it means that the loan has been settled in a bank or the like and the loan is automatically transferred to an independent account.

Subsequently, the recommended investment objects recommended by members of the closed-end investment group through the corresponding member terminal are obtained (step S1030). The acquisition of the above-mentioned recommended investment targets may be performed by the investment target selection unit 2120 (shown in FIG. 4). For example, if a member recommends a specific stock that can be traded in the market, such as a KOSPI or a KOSDAQ, the stock may be acquired for investment. As another example, if a member recommends a specific off-the-shelf stock, the off-the-shelf stock may be acquired for investment.

As another example, if a member recommends a specific auction item for investment, the auction item can be acquired for investment. In this way, members can invest in specific investment targets that can maximize profits based on their own information or knowledge through closed investment meetings, and specific investment targets that can share the fruits of profit with the members of the closed investment group to which they belong. Recommended. Here, the number of recommended investment targets may be limited, and the recommended investment target period may be limited.

Next, an online discussion room for the investment objects recommended by the members is provided to each of the member terminals (step S1040). The member terminal may be a mobile terminal such as a smart phone or a computer capable of accessing the Internet. In the discussion room, various articles can be written in the article including the reason for recommendation for each recommended investment target, and various comments or comments can be entered in the article written. In the title of various articles, comments and comments, simple icons Can be added. The members of the acquaintance-based closed-end investment group according to the present embodiment will analyze the object of the recommended investment by using the advanced information or expert knowledge that they know, and write the article. This is because, if members who are more profitable are selected from among the recommended investment targets recommended by members, the profitability of each member can be increased.

Then, it is checked whether or not the investment discussion is ended in the online discussion field (step S1050). The termination of the investment discussion may be set by the founder of the acquaintance-based closed-investment meeting. On the other hand, when the number of articles for a specific recommended investment target reaches a certain number, the above-mentioned investment discussion may be terminated.

In step S1050, a specific investment object is selected (step S1060). The selection of the above-mentioned specific investment object can be selected as the investment object with the most recommendation.

Then, the investors are classified into the investors, the investors, the investors and the investors (Step S1070). The division may be made by the investor status classifier 2130 (shown in FIG. 4). The investment explorer refers to a person who has discovered the investment object, and the above-mentioned investor means a person who has expressed a favorable opinion on the investment on the investment object, and the objection of the investment is the objection to the investment object , And the investment neutral means a person who has expressed a neutral opinion on the investment in the investment object. For example, if a particular member chooses to vote for an investment, the particular member is classified as an affirmative, and if a member chooses to invest, that particular member is classified as an investor, .

Next, the investor classification information on the investment is provided to the member terminals (step S1080). The investors classification information includes information on investors, information on investors, information on investors of investors, information on investment neutrality, and the like. The investor classification information may be provided to each member terminal through the message push server 110 described in FIGS.

In this embodiment, the investment profit and the investment loss distributed to each of the investor, the investor, the investor, and the investment neutral may be set at the same ratio or at different ratios.

When the investment profit and the investment loss are set at the same ratio, the share allocated to the investor, the investor, the investor and the investment neutral is 10%, 50%, 10% and 30%, respectively.

That is, 10% of the investment profit is allocated to the investor, 50% of the investment profit is allocated to the affirmative, 10% of the investment profit is allocated to the opponent, and 30% of the investment profit is allocated to the neutral person. In the case of a plurality of affirmative investors, non-investors and neutral investors, the investment profit allocated at a certain rate is distributed according to the number of investment profits.

In addition, 10% of the investment loss is allocated to the investor, 50% of the investment loss is allocated to the affirmative, 10% of the investment loss is allocated to the investor, and 30% of the investment loss is allocated to the investment neutral . In the case of a plurality of affirmative investors, non-investors and neutral investors, the investment losses allocated at a certain rate are distributed according to the number of investors.

Accordingly, before the investment is confirmed, information on the allocation of the investment profit to the investment object or the allocation of the investment loss, that is, the information of the prosumer, the opponent and the neutral person, to provide. The member who receives the information will be given an opportunity to transfer the status of the investor who can convert to the investor or the investor after confirming the information of the above investors even if they belong to the pros. This gives investors the opportunity to transfer their positions, which gives them the opportunity to maximize their own investment profits or to minimize investment losses.

Then, it is checked whether the investor status transfer is requested (step S1090). The investor status transfer request may be checked by the investor status transfer unit 2140 (shown in FIG. 4).

If it is determined in step S1090 that there is a request for transfer of the investor status, the investor, the investor, the investor, and the investor of the investor are separately classified based on the investor interest transfer information (step S1100). The distinction between the investors, the investors, the investors and the investors can be done by the investor status classifier 2130.

Subsequently, the re-classification information on investors for the investment is provided (step S1110), and the flow returns to step S1090.

If it is determined in step S1090 that there is no investor status transfer request, it is checked whether or not there is an investment execution request (step S1120). The check for the investment execution request may be made by the investment executor 2170 (shown in FIG. 4).

If it is checked in step S1120 that the investment execution is requested, it is checked whether or not the deposit is completed in the independent account (step S1130). The check for the completion of the deposit may be made by the account checking unit 2150 (shown in FIG. 4).

If it is checked in step S1130 that the deposit is not completed in the independent account, the loan is processed (step S1140). The loan processing described above may be performed by the loan processing unit 2160 (shown in FIG. 4).

After the loan is processed in step S1140 or when it is checked in step S1130 that the deposit is completed in the independent account, the investment is executed (step S1150). The investment execution may be performed by the investment management unit 2170.

Then, it is checked whether or not the investment recovery condition is satisfied (step S1160). In this embodiment, the recovery condition may be satisfied when the commitment date has elapsed, may be satisfied at the request of the members, and may be satisfied if the agreed profit rate is met or the agreed loss rate is reached. The investment management unit 2170 may check whether the investment return condition is satisfied.

If it is determined in step S1160 that the investment recovery condition is satisfied, the investment recovery amount is recovered and the recovered investment recovery amount is distributed (step S1170). The distribution of the above-mentioned investment return can be made by the investment share portion 2180 (shown in FIG. 4).

FIG. 6 is a flowchart for explaining the loan processing step of FIG. 5B.

Referring to FIG. 6, the loan processing unit 2160 (shown in FIG. 4) requests the member of the non-depositing account to deposit money (step S402).

The loan processing unit 2160 checks whether borrowing between members is requested (step S404).

If it is determined in step S404 that the inter-member borrowing is requested, the inter-member borrowing processing module 2162 (shown in FIG. 4) of the loan processing unit 2160 requests the borrowing member to permit borrowing (step S406).

Next, the inter-member borrowing processing module 2162 checks whether a borrowing permission message is received (step S408).

If it is determined in step S408 that the borrowing permission message has not been received, the process returns to step S406, and the inter-member borrowing processing module 2162 requests the other borrowing member to permit borrowing.

If it is checked in step S408 that the borrowing permission message is received, the inter-member borrowing processing module 2162 fetches the borrowing amount from the dependent account of the borrowing permitted member, transfers it to the independent account, and then feeds back to the independent account (step S410) .

On the other hand, if it is determined in step S404 that the inter-member borrowing is not requested, the bank loan processing module 2164 (shown in FIG. 4) of the loan processing unit 2160 requests the bank set by the member for loan (step S412 ).

The bank loan processing module 2164 transfers the investment amount from the subsidiary account of the member to the independent account, and then feeds back the money to the step S1150 (step S414).

FIG. 7 is a flow chart for explaining the steps of collecting and distributing the investment payout of FIG. 5B.

Referring to FIG. 7, the investment return is recovered (step S712). The investment return may be made by an investment divider 2180 (shown in FIG. 4) or may be provided by a corresponding collection module including a separate collection module (not shown).

It is checked whether profit due to the investment has occurred (step S724). A check for whether profit is generated by the investment may be made by the investment fund distribution unit 2180.

If it is determined in step S724 that a profit due to the investment has been generated, the investment dividing section 2180 subtracts the common reserve from the investment profit (step S726).

Then, it is checked whether borrowing between members exists (step S728). For example, the investment dividing section 2180 may inquire whether inter-member borrowing exists in the inter-member borrowing processing module 2162 of the loan processing section 2160.

If it is determined in step S728 that there is no inter-member borrowing, the investment profit is distributed (step S730). The distribution of the investment profit may be performed by the investment amount distribution unit 2180.

Then, the initial investment and the distributed investment profit are transferred to the dependent accounts (step S732). The account transfer of the initial investment and the distributed investment profit may be performed by the investment amount distribution unit 2180.

If it is checked in step S728 that there is an inter-member borrowing, the borrowing amount and the calculated interest are transferred to the borrowing account (step S734). The borrowing amount and the account transfer of the calculated interest may be performed by the investment amount distribution unit 2180.

Then, the balance is transferred to the dependent account after the settlement (step S736). The account transfer of the balance after the settlement can be made by the investment fund distribution unit 2180.

If it is checked in step S724 that a loss due to the investment has occurred, it is checked whether there is borrowing between members (step S738). For example, the investment dividing section 2180 may inquire whether inter-member borrowing exists in the inter-member borrowing processing module 2162 of the loan processing section 2160.

If it is determined in step S738 that there is no inter-member borrowing, the investment loss is distributed (step S740). The distribution of the investment loss may be performed by the investment amount distribution unit 2180.

Subsequently, the amount of the initial investment minus the investment loss is transferred to the dependent accounts (step S742). The account transfer of the amount obtained by subtracting the investment loss from the initial investment may be performed by the investment share portion 2180.

If it is checked in step S738 that there is an inter-member borrowing, the borrowing amount and the calculated interest are transferred to the borrowing account (step S744). The borrowing amount and the account transfer of the calculated interest may be performed by the investment amount distribution unit 2180.

After the settlement, the balance is transferred to the dependent account (step S746). The account transfer of the balance after the settlement can be made by the investment fund distribution unit 2180.

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 as defined in the appended claims. You will understand.

As described above, according to the present invention, an ordinary person joins a closed-end investment group and also joins an independent account operated in a closed-end investment group, and makes investment or funding through the independent account, .

In addition, it can stimulate funding investment for the general public.

In addition, the members of the closed-end investment group can instill a sense of joint investment to promote a sustained and organic relationship among the members.

In addition, a number of closed-end investment groups are formed at a closed-end investment company, and as the number of independent accounts increases and the number of dependent accounts increases as a large number of members are recruited at each meeting, The collection rate can be increased.

10: Bank System 20: Securities Company System
100: acquaintance-based integrated investment system 210: member terminal
110: message push server 1100: external agent
1200: Push Handler 1300: Key Manager
1400: Push Manager 1500: Remote Manager
1110: push interface 1310: key table
1600: Monitoring module 120: investment management server
102: Independent account 212: Dependent account
2110: Independent account creation unit 2120: Investment object selection unit
2130: Investor status division Division 2140: Investor status transfer section
2150: Account checking unit 2160: Loan processing unit
2170: Investment Management Department 2180: Distribution of investment amount

Claims (10)

Based integrated investment service system using an acquaintance-based integrated investment service system including an independent account creation unit, an investment object acquisition unit, an investor division unit, an investor transfer unit, an account verification unit, a loan processing unit, an investment management unit,
Defining an account of each of the members recruited to the independent integrated investment service as a dependent account and generating an independent account to which the dependent accounts are connected; If you are recruited as a member and you have other members' consent, be a member;
Acquiring a specific investment object after the investment object acquiring unit receives a recommendation place for a recommended investment object by recommending the investment object through the member terminal from the members;
Providing investor status information on a corresponding investment to the member terminal by dividing the members into investment prospectors, an investment proprietor, an investment opponent, and an investment neutralist corresponding to a specific investment object;
When an investment transfer is requested through at least one member terminal, the investor transfer section divides the members into investment exploiters, an affirmative investor, an investor and an investor in response to the transfer, and provides investor status information about the investment ;
Checking whether the investment deposit has been completed in the independent account at each of the dependent accounts as the account confirmation unit is requested to execute the investment;
If it is determined that the investment money has not been paid in the specific dependent account, the loan processing unit performs the loan processing in correspondence with the dependent account to which the loan has not been paid;
Executing the investment to the obtained investment object by the investment manager when the loan processing is completed or when the investment deposit is completed in the independent account at each of the dependent accounts; And
Distributing the investment recovery amount according to the investor status information and transferring it to the dependent accounts when the investment recovery condition is satisfied and the investment return is deposited and recovered in the independent account,
When the investor status information is provided to the member terminal, the investment profit and the investment loss distributed to each of the investor, the prosperous investor, the investor and the investment neutral are displayed, and each investment explorer, , Investment opponents, and investment neutrals are distributed and displayed according to the number of investment profits and investment losses,
Wherein the loan processing step comprises:
(i) requesting the loan money processing unit to deposit money in a member terminal corresponding to a member of a non-performing account;
(ii) checking whether the inter-member borrowing is requested from the member terminal corresponding to the member of the non-depositing account;
(iii) when borrowing is requested between members in step (ii), the loan processing unit requests borrowing permission from the member terminal corresponding to the borrowable member; And
and (iv) when the borrowing permission message is received from the member terminal corresponding to the borrowable member, transferring the borrowing amount from the dependent account of the member authorized for borrowing to the independent account by the loan money processing unit,
The step of transferring money to the dependent accounts comprises:
(a) checking whether there is a borrowing among the members of the investment trust distribution unit if it is determined that a loss on the investment has occurred;
(b) if it is determined that the borrowing does not exist in the step (a), distributing the investment loss according to the investor status information;
(c) if it is determined in step (a) that the borrowing exists, distributing the investment loss due to the borrowing by the investor distribution unit according to the investor status information;
(d) transferring the amount of the investment loss divided by the initial investment amount distributed in the step (c) to each of the dependent accounts corresponding to the investor status information of the investment distribution unit;
(e) if it is determined that a profit for an investment has been generated, checking whether there is borrowing among the members of the money distribution unit;
(f) distributing the investment profit based on the investor status information if the borrowing does not exist in the step (e);
(g) distributing the investment profit according to the borrowing status according to the investor status information if the borrowing is checked in step (e); And
(h) transferring the investment profit distributed in step (g) and the initial investment to the respective dependent accounts corresponding to the investor status information. delete The method of claim 1, wherein the borrowing between the members includes a fixed interest rate or a floating interest rate. delete delete delete The method as claimed in claim 1, further comprising the step of subtracting the joint reserve from the investment profit if it is determined that profit for the investment has been generated. delete An independent account creating unit for defining accounts of members recruited in the acquaintance-based integrated investment service as dependent accounts and generating independent accounts linked to the dependent accounts; and members recruited for the acquaintance-based integrated investment services are recruited online Be joined as a member if other members agree;
An investment object acquiring unit for acquiring a specific investment object after providing members with a forum for recommending investment objects through recommendation of investment objects through a member terminal;
An investor classifying unit for classifying the members as an investor, an investor, an investor, and an investor in response to a specific investment object and providing investor status information about the investment to the member terminal;
An investor transfer unit for providing the investor status information for the investment by re-classifying the members as an investor, an investor, an investor, and an investor in response to the transfer request when the investment transfer is requested through at least one member terminal ;
An account checking unit for checking whether the investment deposit is completed in the independent account in each of the dependent accounts as the investment execution is requested;
A loan processing unit for performing loan processing in correspondence with a subordinated account that has not been paid if the investment money is found to have not been paid in the specific dependent account;
An investment executor that executes an investment in the obtained investment object when the loan process is completed or the deposit of the investment in the independent account is completed in each of the dependent accounts; And
And an investor distribution unit for distributing the investment return in accordance with the investor status information and transferring the funds to the dependent accounts when the investment return condition is satisfied and the investment return is deposited and collected in the independent account,
When the investor status information is provided to the member terminal, the investment profit and the investment loss distributed to each of the investor, the prosperous investor, the investor and the investment neutral are displayed, and each investment explorer, , Investment opponents, and investment neutrals are distributed and displayed according to the number of investment profits and investment losses,
The loan money processing unit,
When a borrower requests a borrower to borrow money from a member of a non-deposit account, the borrower requests the borrower to borrow the borrower, and when the borrower has received the borrowing permission message, transfers the borrowed amount to the independent account from the dependent account of the borrower. / RTI >
The inter-member borrowing processing module
Request a deposit to the member terminal corresponding to the member of the non-depositing account,
It is checked whether or not borrowing between members is requested from a member terminal corresponding to the member of the non-depositing account,
When borrowing is requested between members, the borrower requests permission to borrow the member terminal corresponding to the borrowable member,
When the borrowing permission message is received from the member terminal corresponding to the borrowable member, performing an operation of transferring the borrowing amount from the dependent account of the borrowing permitted member to the independent account,
The investment-
If it is determined that there is a loss on the investment, it is checked whether there is borrowing among the members. If it is checked that the borrowing does not exist, the investment loss is distributed according to the investor status information. Performing an operation of transferring an amount obtained by subtracting the amount of investment loss from the initial investment amount to the dependent account corresponding to the investor status information,
If it is determined that profit for the investment has been generated, it is checked whether there is a borrowing among the members. If it is checked that the borrowing does not exist, the investment profit is distributed based on the investor status information. If it is checked that the borrowing exists Distributing the investment profit according to borrowing according to the investor status information, and transferring the divided investment profit and the initial investment to each dependent account corresponding to the investor status information. Investment service system. 10. The information processing apparatus according to claim 9,
And a bank loan processing module for requesting a loan to the bank system set by the member when the bank loan is requested from the member of the non-deposit account, depositing the loan amount corresponding to the loan, and transferring the money to the independent account Based integrated investment service system.

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