KR102591165B1 - System for providing investment portal platform service - Google Patents

Abstract

An investment portal platform service provision system is provided, and at least one certificate business terminal is used to register as a certificate business operator by holding at least one certificate and having certified experience, opening at least one certificate lecture, and then setting the conditions for obtaining the certificate. If you print out the certification lecture and meet the conditions for obtaining the certification, you can obtain the certification and receive training by applying for a mentoring terminal, mentoring, or at least one certification lecture, and receive training in at least one investment product. After investing the investment money and verifying at least one certificate and experience of the user terminal and the certificate business terminal, which registers as a certificate business owner, and the mentoring terminal, it is confirmed whether the conditions for obtaining the certificate have been met, and then the mentor's certificate is verified. A mentor register that grants qualifications, a matching unit that matches a mentoring terminal when applying for mentoring from a user terminal, and a matching section that matches the certification lectures of a certification business terminal when applying for at least one certification lecture, and at least one investment product from a user terminal. When investing, it includes a platform service providing server that includes a guide receiving unit that receives guide data from a previously matched mentoring terminal or licensed business terminal, and a distribution unit that allocates profits when profits for at least one investment product are generated.

Description

Investment portal platform service provision system {SYSTEM FOR PROVIDING INVESTMENT PORTAL PLATFORM SERVICE}

The present invention relates to an investment portal platform service provision system, which allows users to receive investment advice from mentors and certified experts in one stop, from selecting an investment product to voting, recovering investment funds, and profit distribution on the premise of basic education when investing. Provides a method.

Quasi-investment advisory business (Article 101 (1) of the Capital Markets Act) refers to financial investment products issued or transmitted to an unspecified number of people through publications, publications, communications or broadcasts that can be purchased or received by an unspecified number of people at any time. It is investment advice provided by a person other than an investment advisor for a certain fee regarding investment judgment or the value of a financial investment product. On the other hand, the investment advisory business (Article 6, Paragraph 7 of the Capital Markets Act) refers to the value of financial investment products and other investment assets prescribed by Presidential Decree, or investment judgment on financial investment products (type, item, acquisition/disposal, acquisition/disposal). It is defined as business to respond to advice on (judgment on method, quantity, price, timing, etc.). The investment advisory business passively responds to investors' requests for investment advice and, in principle, requires a one-on-one individual contract, that is, it is not permitted to actively present investment opinions to unspecified or multiple people like in the similar investment advisory business.

At this time, methods of recommending investment advisors or evaluating and publishing investment advisors' profits have been researched and developed. In relation to this, Korea Registered Patent No. 10-2203171 (announced on January 13, 2021) and Korea Public Patent, which are prior art, have been researched and developed. In No. 2021-0058178 (published on May 24, 2021), when investment target information for at least one investment product is input from an investment advisor account that has been certified as an investment advisor, and investors who invest in the investment product are recruited, It allows the purchase of investment products corresponding to the investment target information, calculates the rate of return of the investment product by comparing at least one of the purchase price, real-time quote price, and sell price of the investment product, and discloses the calculated rate of return so that investors can When evaluating and disclosing the return rate and expertise of the investment advisor, a stability index is calculated by considering the rate of return volatility, and a stability index representing the level of expertise is taken into consideration by considering the performance index and stability index. A structure that allows each investor to view the evaluation index by calculating the evaluation index to determine and announce the rating of the investment advisor is disclosed.

However, in both the former and latter cases, it is only a predictive factor that determines whether to make a current investment based on the investment expert's past data. It recruits investors in real time and presents solutions or alternatives when there is an agenda for an investment product. It is not a composition that gives advice in a way that presents . In Korea, education on the economy and investment is poor, and people who actually want to invest do not know where to find information or who to learn from, and do not have basic knowledge about investment, so they do not know who to get advice from or who to choose as an expert. There are many cases where it is unclear whether or not it should be done, and numerous damage cases are being reported and reported mainly in many reading rooms. Accordingly, we verify and register mentors and certified experts for understanding investment products, allow users to match mentors or select certified experts for each user's education, and subscribe to investment products created by mentors or certified experts. In this case, research and development of a platform that provides solutions or guidance for investment products in real time is required.

One embodiment of the present invention verifies and registers mentors and certification experts for understanding investment products, and just as a manager teaches work to an assistant manager at work, the user is matched with a mentor or certified experts for training of each user. When signing up for an investment product created by a mentor or certified expert, a solution or guidance for the investment product is presented in real time. When the investment is completed, the investment and profits can be recovered and distributed, and blockchain and Using smart contracts, we can provide an investment portal platform service provision system that can automatically control each step according to the investment process and reduce investment damage to zero by reducing integrity and the possibility of forgery. However, the technical challenge that this embodiment aims to achieve is not limited to the technical challenges described above, and other technical challenges may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention provides for registering as a certificate business operator by holding at least one certificate and having certified career, opening at least one certificate lecture, and then meeting the conditions for obtaining the certificate. A certification business terminal that sets up, prints out at least one certification lecture and meets the conditions for obtaining the certification, a mentoring terminal that acquires the certification and is qualified as a mentor to perform mentoring, by applying for mentoring or at least one certification lecture. After receiving training, investing money in at least one investment product, and then verifying at least one certificate and experience of the user terminal and the certificate business terminal that receive dividends, the certificate business register registers as a certificate business operator, and the certification is registered in the mentoring terminal. A mentor register that grants mentor qualifications after checking whether the acquisition conditions have been met. A matching unit that matches the mentoring terminal when applying for mentoring from a user terminal and matches the certification lectures on the certification business terminal when applying for at least one certification lecture. , When investing in at least one investment product at the user terminal, it includes a guide receiving unit that receives guide data from a previously matched mentoring terminal or a licensed business terminal, and a distribution unit that allocates profits when profits are generated for at least one investment product. Includes a platform service providing server.

According to one of the above-described means of solving the problem of the present invention, mentors and certification experts for understanding investment products are verified and registered, and the user is provided for training of each user, just as a manager teaches work to an assistant manager at work. You will be matched with a mentor or select a certified expert, and if you sign up for an investment product created by a mentor or certified expert, you will be presented with a solution or guidance for the investment product in real time, and at the end of the investment, you will be able to recover and receive dividends from your investment and profits. By using blockchain and smart contracts, each step can be automatically controlled according to the investment process, while reducing integrity and the possibility of forgery, thereby reducing investment damage to zero.

Figure 1 is a diagram for explaining an investment portal platform service provision system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a platform service providing server included in the system of FIG. 1.
Figures 3 and 4 are diagrams for explaining an embodiment in which the investment portal platform service according to an embodiment of the present invention is implemented.
Figure 5 is an operation flowchart illustrating a method of providing an investment portal platform service according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected," but also the case where it is "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, this does not mean excluding other components unless specifically stated to the contrary, but may further include other components, and one or more other features. It should be understood that it does not exclude in advance the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

The terms "about", "substantially", etc. used throughout the specification are used to mean at or close to that value when manufacturing and material tolerances inherent in the stated meaning are presented, and are used to enhance the understanding of the present invention. Precise or absolute figures are used to assist in preventing unscrupulous infringers from taking unfair advantage of stated disclosures. The term “step of” or “step of” as used throughout the specification of the present invention does not mean “step for.”

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware. Meanwhile, '~ part' is not limited to software or hardware, and '~ part' may be configured to reside in an addressable storage medium or may be configured to reproduce one or more processors. Therefore, as an example, '~ part' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functions provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or may be further separated into additional components and 'parts'. Additionally, components and 'parts' may be implemented to regenerate one or more CPUs within a device or a secure multimedia card.

In this specification, some of the operations or functions described as being performed by a terminal, apparatus, or device may instead be performed on a server connected to the terminal, apparatus, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal mean mapping or matching the terminal's unique number or personal identification information, which is identifying data of the terminal. It can be interpreted as

One embodiment of the present invention collects and searches investment information existing on multiple platforms such as portal sites, allows investment after receiving basic training before investing, and trains mentors capable of training. and grant private certifications to those who are qualified, and members receive guidance from mentors so they can make successful investments.

Hereinafter, the present invention will be described in detail with reference to the attached drawings.

Figure 1 is a diagram for explaining an investment portal platform service provision system according to an embodiment of the present invention. Referring to Figure 1, the investment portal platform service providing system 1 includes at least one user terminal 100, a platform service providing server 300, at least one mentoring terminal 400, and at least one licensed business operator terminal ( 500). However, since the investment portal platform service providing system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limited to the interpretation of FIG. 1.

At this time, each component of FIG. 1 is generally connected through a network (Network, 200). For example, as shown in FIG. 1, at least one user terminal 100 may be connected to the platform service providing server 300 through the network 200. In addition, the platform service providing server 300 may be connected to at least one user terminal 100, at least one mentoring terminal 400, and at least one certification business operator terminal 500 through the network 200. Additionally, at least one mentoring terminal 400 may be connected to the platform service providing server 300 through the network 200. In addition, at least one certificate provider terminal 500 may be connected to at least one user terminal 100, a platform service providing server 300, and at least one mentoring terminal 400 through the network 200.

Here, the network refers to a connection structure that allows information exchange between each node, such as a plurality of terminals and servers. Examples of such networks include a local area network (LAN) and a wide area network (WAN). Wide Area Network, Internet (WWW: World Wide Web), wired and wireless data communication network, telephone network, wired and wireless television communication network, etc. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), 5th Generation Partnership Project (5GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), and Wi-Fi. , Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth network, NFC ( It includes, but is not limited to, Near-Field Communication (Near-Field Communication) network, satellite broadcasting network, analog broadcasting network, and DMB (Digital Multimedia Broadcasting) network.

In the following, the term at least one is defined as a term including singular and plural, and even if the term at least one does not exist, each component may exist in singular or plural, and may mean singular or plural. This should be self-explanatory. In addition, whether each component is provided in singular or plural form may be changed depending on the embodiment.

At least one user terminal 100 is configured to apply for and take a certification lecture using a web page, app page, program, or application related to the investment portal platform service, apply for mentoring matching or request a mentor, and use the mentoring terminal 400. Or, a general user's terminal that invests in the investment product created by the certificate business terminal 500, votes according to the solution of the mentoring terminal 400 or the certificate business terminal 500, recovers the investment, and receives dividends. It can be.

Here, at least one user terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc. At this time, at least one user terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one user terminal 100 is, for example, a wireless communication device that guarantees portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) ) It may include all types of handheld-based wireless communication devices such as terminals, smartphones, smartpads, and tablet PCs.

The platform service providing server 300 may be a server that provides an investment portal platform service web page, app page, program, or application. And, when registering at least one mentoring terminal 400 and the certification business terminal 500, the platform service providing server 300 verifies whether preset conditions are satisfied and then registers the mentoring terminal 400 and the certification operator terminal 500. It may be a server that builds a pool of operator terminals 500. Additionally, the platform service providing server 300 may be a server that provides a platform through which the user terminal 100 can take certification lectures or be assigned or matched with a mentor. In addition, the platform service providing server 300 posts the investment product when it is created in at least one mentoring terminal 400 and the certification business terminal 500, and when an investment is made as an investor in the user terminal 100, It may be a server that provides guidance to at least one mentoring terminal 400 and a certification business terminal 500. In addition, when proceeding based on blockchain and smart contract, the platform service providing server 300 designates the investment process as a smart contract and proceeds with a process that meets the conditions if the conditions are satisfied even without human action (IF-THEN) ) It may be a server that does this.

Here, the platform service providing server 300 may be implemented as a computer that can connect to a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc.

At least one mentoring terminal 400 may be a mentor's terminal that uses a web page, app page, program, or application related to the investment portal platform service. At this time, if the qualifications of the mentoring terminal 400 are verified, the terminal may be registered as a mentor on the platform service providing server 300.

Here, at least one mentoring terminal 400 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc. At this time, at least one mentoring terminal 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one mentoring terminal 400 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) ) It may include all types of handheld-based wireless communication devices such as terminals, smartphones, smartpads, and tablet PCs.

At least one certificate business operator terminal 500 may be a terminal of a certificate business operator that conducts a certificate business using a web page, app page, program, or application related to the investment portal platform service. At this time, the certificate business operator terminal 500 may be a terminal that submits related documents, etc. to the platform service providing server 300 to verify the conditions of the certificate business owner, and may be a terminal that provides certificate lectures and can take a certificate test. there is.

Here, at least one certificate provider terminal 500 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc. At this time, at least one certificate provider terminal 500 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one certified business operator terminal 500 is, for example, a wireless communication device that guarantees portability and mobility, and is configured for navigation, personal communication system (PCS), global system for mobile communications (GSM), and personal digital cellular (PDC). , PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband) It may include all types of handheld-based wireless communication devices such as Internet) terminals, smartphones, smartpads, and tablet PCs.

Figure 2 is a block diagram for explaining the platform service providing server included in the system of Figure 1, and Figures 3 and 4 illustrate an embodiment in which the investment portal platform service according to an embodiment of the present invention is implemented. This is a drawing for

Referring to Figure 2, the platform service providing server 300 includes a certificate business register 310, a mentor register 320, a matching unit 330, a guide reception unit 340, an allocation unit 350, and a voting process unit 360. ), an investment product posting department (370), an investor recruitment department (380), an investment transfer department (390), a process control department (391), and a blockchain department (393).

The platform service providing server 300 or another server (not shown) operating in conjunction with an embodiment of the present invention includes at least one user terminal 100, at least one mentoring terminal 400, and at least one certification business operator. When transmitting an investment portal platform service application, program, app page, web page, etc. to the terminal 500, at least one user terminal 100, at least one mentoring terminal 400, and at least one licensed business terminal 500 ) can install or open investment portal platform service applications, programs, app pages, web pages, etc. Additionally, a service program may be run on at least one user terminal 100, at least one mentoring terminal 400, and at least one certification business terminal 500 using a script executed in a web browser. Here, a web browser is a program that allows the use of web (WWW: World Wide Web) services and refers to a program that receives and displays hypertext written in HTML (Hyper Text Mark-up Language), for example, Netscape. , Explorer, Chrome, etc. Additionally, an application refers to an application on a terminal and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, the certificated business registration unit 310 can verify at least one certificate and experience of the certified business terminal 500 and then register it as a certified business operator. The certificate business operator terminal 500 is registered as a certificate business owner by holding at least one certificate and having his or her career verified, and can set conditions for obtaining the certificate after opening at least one certificate lecture. Anyone can register a private qualification in accordance with the provisions of the Framework Act on Private Qualifications. However, even if you apply for registration, you cannot register a private qualification that already has a national qualification or has a title or job that is prohibited by the relevant department. In the Framework Act on Qualifications, qualifications are defined separately according to the issuing entity, and are divided into national qualifications issued by the state and private qualifications issued by persons other than the state, such as individuals, organizations, and corporations. Private qualifications are operated by dividing them into accredited qualifications and registered qualifications. The accredited system refers to a system in which the government recognizes private qualifications with the same or similar level of qualifications as national qualifications according to the procedures set forth in the Framework Act on Qualifications, and the registration system refers to a private qualification system. This is a system where qualification managers must register in advance if they wish to establish, manage and operate a new private qualification.

Registration of private qualifications means recording certain legal facts or legal relations under the Administrative Act in a ledger kept at a specific registration agency such as an administrative office. Registration of private qualifications refers to the establishment and management and operation of private qualifications by the Minister of State (Registration Management). It is a series of administrative procedures recorded in the registration ledger managed by the organization. The purpose is to prevent damage to the public and collect and provide correct information on private qualifications by limiting the establishment, management and operation of private qualifications prohibited by law through private qualification registration management. For private qualifications, only registered qualifications can be tested, and if other requirements (test performance, type of institution, etc.) are met, an application for recognition is possible. However, registration does not acknowledge the quality of the qualification or grant exclusive operating rights. For example, if there is an existing registered private qualification, anyone can create a new private qualification in the same field and manage and operate it, unless there are special reasons. It is based on Article 17 of the Framework Act on Qualifications (Establishment and registration of private qualifications, etc.) and Article 23 of the Enforcement Decree of the Framework Act on Qualifications (New establishment and registration of private qualifications, etc.).

The mentor register 320 can grant qualifications as a mentor after confirming whether the qualification acquisition conditions are satisfied in the mentoring terminal 400. If the mentoring terminal 400 outputs at least one certification lecture and satisfies the certification acquisition conditions, it can obtain a certification and be qualified as a mentor to perform mentoring. At this time, the mentor of the mentoring terminal 400 may be a person who has acquired the certification of the certification business terminal 500. Whether or not a certificate has been acquired can be confirmed from the certificate business terminal (500), or in the case of a public private certificate rather than a registered private certificate, confirmation can be obtained from a government agency. At this time, the mentor and the licensed business operator may be quasi-investment advisors, but this does not exclude them from being investment advisors. At this time, comparing the regulations of investment advisory businesses and similar investment advisory businesses is shown in Table 1 below.

division investment advisor Quasi-investment advisory business Entry requirements Registration with Financial Services Commission
* Required to meet requirements for equity capital, major shareholders, and operational expertise - Report to Financial Services Commission (Financial Supervisory Service)
* No qualification requirements
(Available after simple reporting) Sales method One-on-one (1:1) investment advice
* Providing differentiated advisory services for each individual investor - Investment advisory for an unspecified number of people
* Providing homogeneous advisory services to an unspecified number of people Supervisor*Inspector Subject to inspection by the Financial Supervisory Service
(Financial investment business under the Capital Markets Act) Not subject to inspection by the Financial Supervisory Service prohibited act - Prohibition of unfair solicitation, regulation of investment advertising
etc apply
* Applicable to both investment advisory business regulations and common business practice regulations for financial investment companies Partial application of investment advisory business conduct regulations
* Prohibition of storage and deposit of money*securities, etc., prohibition of lending of money*securities, etc., prohibition of advance trading, etc. Disclosure and
report Obligation to disclose major management matters and submit business reports, etc. Abolition of business, name, location, representative
Reporting obligation when changing person’s name Registration (Report)
Whether
checking way Financial Supervisory Service website ‘Fine’ →
Can be checked through ‘Institutional Financial Company Inquiry’ Financial Supervisory Service website ‘Fine’ → ‘Gold’
It can be checked at ‘Financial Consumer Protection Agency’ → ‘Financial Company Guide’ → ‘Financial Consumer Precautions’ → ‘Quasi Investment Advisory Business Reporting Status’

The matching unit 330 may match the mentoring terminal 400 when applying for mentoring from the user terminal 100 and match the certification lecture of the certification business operator terminal 500 when applying for at least one certification lecture. The user terminal 100 can apply for mentoring or at least one certification lecture to receive training, invest money in at least one investment product, and then receive dividends. Investment fields can be diverse, and include not only real estate. It can be diverse, including stocks, crowdfunding, and NFT investments. Accordingly, the matching unit 330 can match the user with a mentor who has acquired a certificate in the desired field. To this end, the user terminal 100 selects or enters a search word or keyword in the desired field, and the matching unit 330 searches for a mentoring terminal 400 holding a certificate to which the search word or keyword matching the search word or keyword is mapped. You can match after filtering. Certification lectures can also be matched through the same process. However, since the satisfaction of the mentor and the user cannot be the same just because the keywords match, the Gale-Shapley algorithm can be used further.

For example, when N applicants want to enter N universities, or when X men and Y women meet (or propose marriage) and match each other, it is used for one-to-one stable matching. . Here, instability, which is the opposite of stability, means that when {m1,w1} and {m2,w2} are paired, w1 prefers m2 over m1, and at the same time, m2 also prefers w1 over w1. Then, {m1,-},{w1,m2}, {-,w2} become {m1,-},{-,w2}, where m1 and w2 refer to the phenomenon of the breakdown of the marriage relationship. In other words, instability only occurs when both men and women prefer something to their partner. Therefore, in order to prevent instability, either men or women should prefer their partner more than others. This is called the Stable Marriage Problem (STA).

For STA, Gale and Shapley proposed an algorithm, which states that if a male applicant proposes to the woman he most prefers, the woman will unconditionally accept the proposal if only one man proposed to her, and if there are two men, she will unconditionally accept the proposal. It is assumed that you reject a marriage proposal from someone you dislike. A man whose marriage proposal is rejected proposes again to the next woman he prefers. In this way, the algorithm is run on all men and the algorithm ends when a one-to-one match is determined. This is called MP (Man Proposed). MP always obtains stable matching results. This is because, when a man chooses the woman he prefers the most and a man who has been rejected by a woman chooses the next best option and instability arises, the woman chooses the man she prefers more, resulting in blocking the unstable situation. This has been proven in the mathematical world and is indisputable.

SMP has three performance evaluation standards for matching: Regret Cost, Single Person Regret Cost, Egalitarian Cost, and Sex-Equalness Cost. As MP adopts the Favorite-First, Optimal method, a woman has no choice but to accept a marriage proposal if only one man proposes to her, even if she dislikes it the most. Therefore, women can be the worst choice (pessimal). If a more stable result can be obtained if the woman selects the man she prefers the most and the man decides whether to accept or reject it (this is Woman Proposed, WP), or if there is a case where more stable results are obtained compared to MP or WP. If a case occurs where stable optimal stability is obtained, MP cannot be said to be a perfect algorithm.

Regarding the counter example, which assumes that the user is male and the mentor is female, given that most users are the ones who request and select mentoring services, an optimal stable solution cannot be obtained with either MP or WP methods. We decide to use an algorithm that obtains the optimal and stable solution. Although the K-Opt algorithm (K-Optimization Algorithm, OA) can be applied, any one-to-one matching algorithm that achieves satisfactory matching results for both parties, the mentor and the user, is possible. At this time, unless the mentor mentors only one user, one-to-many matching is possible, so it is also possible to apply a one-to-many matching algorithm to obtain optimal matching results.

When investing in at least one investment product at the user terminal 100, the guide receiver 340 may receive guide data from the previously matched mentoring terminal 400 or the licensed business terminal 500. After making an investment, when an unexpected situation arises or an agenda needs to be decided, you need someone to give you advice. In this case, in the case of a quasi-investment advisory business, one-on-one advice is not possible, so advice is given to all investors recruited by a mentor or licensed business operator. I can do it. This is because, no matter how much the investor invests in the same investment product, he or she is experiencing the same crisis. Accordingly, in order to minimize risks arising from investment, guide data from the previously matched mentoring terminal 400 or the certification business terminal 500 can be received at the user terminal 100.

The dividend unit 350 may distribute profits when profits are generated for at least one investment product. Also, if the distribution is made through a smart contract, the distribution can proceed according to a preset process if the conditions are met without human intervention. At this time, the smart contract can be verified by the Alternating-time Temporal Logic (ATL) model checking technique, which will be explained in the blockchain unit 393.

When guide data is uploaded from the mentoring terminal 400 or the certificate business terminal 500, the voting process unit 360 allows voting to be conducted on a plurality of user terminals 100 invested in the investment product and shares the results. You can. For example, when investment product A faces a crisis B or a problem C that needs to be solved arises, a mentor or certified business operator can suggest solutions such as D, E, F, etc. Not all of these solutions can be applied to the business, so assuming that one of these solutions is chosen, each investor (user) must choose which solution to choose. To this end, you can vote and share the results. When the platform of the present invention conducts blockchain-based voting, it can proceed as follows.

A blockchain-based mobile voting system may be composed of a user terminal 100, a platform service providing server 300, a blockchain, and a database. The user terminal 100 has a [public key-private key] pair to use in the blockchain and authenticates itself with DID. Voting creation, processing, and result management are performed, and voting methods are divided into voting within a specific group and public voting for all service users. In blockchain, information about DID (DID Contract), group and mutual authentication (Group Contract), and voting (Ballot Contract) is managed and processed through Ethereum Smart Contract. The platform service providing server 300 authenticates the user terminal 100 and stores user information (DID, name, password, email, phone number, affiliation, etc.) and voting information in the database.

<DID>

DID (Decentralized Id) is a decentralized digital identity verification technology. The platform of the present invention can use DID to guarantee the user's identity without exposing personal information and to allow only one vote per person. Of course, a method of giving voting rights in proportion to the investment amount or number of accounts held can also be used. It is issued when a user first registers with the system. First, the user's identity is confirmed through email authentication, and then it is determined by the DID issuance time and the cryptographic hash value of the user's email string. Therefore, the user's personal information cannot be known using the DID alone, but it can identify the user as a service user.

<Mutual authentication with group>

Voting provided by the platform of the present invention can be divided into (1) public voting targeting all users and (2) group voting targeting specific groups. Users can belong to various groups (investment clubs) and can create votes for the groups they belong to at any time. Additionally, you can view and manage voting history by group. To prevent the creation of malicious groups, a method is needed to determine the legitimacy of the group and its members. If you create a C group of B mentor for A investment product, it is necessary to verify whether the group was actually created by B mentor or C group, and whether the group members are investors (users) who bought B mentor's A investment product. .

Therefore, the platform of the present invention provides group reliability through mutual authentication between users in the Group Contract. Mutual authentication is a method of authenticating oneself by receiving approval from a trusted partner. Through this, the authority of administrators such as the platform service providing server 300 or group leader is reduced. Authentication of a group or group member requires approval from two different people belonging to the group. Only when mutual authentication is completed is the group recognized as legitimate and the user joins the group. Authentication details are stored in the blockchain to determine incorrect authentication, and the more users are approved, the more trustworthy the approver becomes.

<Anonymous voting>

In order to increase the efficiency of signature generation, the platform of the present invention uses Blind Signature based on ECDLP (Elliptic Curve Discrete Logarithm Problem), which has a relatively small key size and is fast to calculate, so that voter status can be verified without exposing the actual identity.

<Voting process>

When a new vote is created through an application, the vote creator becomes the polling place, and the corresponding voting information and voter list are transmitted to the platform service providing server 300 and the blockchain to create a new vote. Voting begins and ends according to the voting time set by the polling place. The anonymous voting process is as follows. When a voter selects a vote value and votes, the voter's terminal generates a random Pseudo ID and receives two signatures for the voter's vote value (V) from the polling place and the server using Blind Signature technology. The signature on the platform service providing server 300 proves that the voter is a registered user on the platform service providing server 300, and the signature on the polling place proves that the voter is the voter for the corresponding vote. Since only users who receive both signatures can participate in the vote, users cannot arbitrarily vote in other polls for which they do not have the right to vote. However, since it is impractical for the polling place to generate signatures in real time for all voters, in the platform of the present invention, the temporary private key generated by the polling place for signatures is encrypted with the public key of the platform service providing server 300 to the platform service providing server 300. It is transmitted to (300), and the platform service providing server (300) provides a polling place signature on behalf of the polling place.

The signature creation process using Blind Signature is as follows. Voter's vote value V, blind function Blind(), unblind function UBlind(), Blind Signature signature generation function BSig(), electronic signature function Sig(), cryptographic hash function H(), platform service Let's assume that the private key of the provision server 300 is Ks and the private key of the polling place is Ko. Since the platform service providing server 300 must not know the voter's vote value, the voter's terminal requests V Request = “DID || Send “Blind(H(V))” and Sig(Request) to the server. The platform service providing server 300 verifies the Sig (Request), and if the signature is valid, verifies the voter through DID, and then sends the signature of the platform service providing server 300 SeverSig = BSig(Ks, Blind(H(V))) ) and the voting book's signature, OwnerSig = BSig(Ko, Blind(H(V))), are generated and transmitted. The voter's terminal uses UBlind() to obtain the signature value of the platform service providing server 300 for H(V) and the polling place. UBlind(ServerSig) = Sig(Ks, H(V)) and UBlind(OwnerSig) = Sig(Ko, H(V)).

Next, the voter's terminal transmits V and two signatures with the Pseudo ID to the blockchain server, and the Vote Transaction is performed in the Ethereum Smart Contract (Ballot). The blockchain server verifies both signatures and records the voting result if the signatures are valid. The user information posted on the blockchain is a random ID randomly generated by the user, so the user's actual identity is unknown. If a voter reuses a signature they have already used and sends it to the blockchain, double voting is prevented because that signature is already posted on the blockchain. At the end of voting, the validity of the vote can be verified by checking whether the number of signatures generated by the platform service providing server 300 and the number of votes reflected in the blockchain are the same, and forgery and falsification of the voting results can be prevented.

When at least one investment product is created in the mentoring terminal 400 or the licensed business operator terminal 500, the investment product posting unit 370 may post information about at least one investment product or investment club.

When at least one investment product is created, the investor recruitment unit 380 uploads the description of the investment product, investment conditions, investment schedule, and investment recovery plan from the mentoring terminal 400 or the licensed business terminal 500, At least one user terminal (100) that transmits information about at least one investment product to at least one user terminal (100) matching the investment conditions, or receives training from the mentoring terminal (400) or the licensed business terminal (500) You can transmit information about at least one investment product. In financial markets, herding tends to occur when investors make decisions based on incomplete information. Herding behavior is defined as the behavior of investors making the same decision by following other investors without relying on their own private information.

For example, in P2P lending platforms, there is a high probability that investor herd behavior will occur due to the following characteristics. First, in the P2P lending market, each loan is completed only when the cumulative investment amount during the recruitment period reaches the loan amount. When many investors participate in an investment, participating investors are given the benefit of successfully completing an investment in the desired investment product, which can act as a factor promoting herd behavior. In other words, if investor participation increases during the recruitment period and the probability of reaching the loan amount increases, even investors who make rational decisions may invest by following the decisions of other investors rather than their own.

Second, observational learning of investors is possible in P2P lending platforms where the number of investors participating in an investment can be observed, which can lead to herding behavior of investors. In other words, if investors make investment decisions by intentionally following the decisions of other preceding investors, this can be viewed as herding behavior. Third, in the P2P lending market, where individual investors account for a significant portion of investors, individual investors may not make rational investment decisions based on credit risk assessment. If you are an individual investment expert, your decisions will have little influence from other investors, but if you are a non-expert, the decisions of prior investors may affect your investment decisions. Because of this, individual investors may make irrational investment decisions that follow the investment decisions of other investors based on mood or trends.

Investor herding behavior refers to investors intentionally following the actions of other investors. Therefore, if investors do not have the intention to follow the actions of other investors, it cannot be called herding behavior, and in this case, it is called spurious herding. Caustic herding behavior does not impede market efficiency, but (intentional) herding behavior results in impairing market efficiency. Accordingly, it is expected that the caustic herding behavior of investors who have properly assessed the borrower's credit risk will not affect the default risk of P2P lending. On the other hand, (intentional) herding behavior that impedes the proper assessment of borrowers' credit risk can act as a factor that increases the default risk of P2P lending. Accordingly, one embodiment of the present invention uses the following blockchain-based smart contract to prevent certification operators or mentors from inducing intentional group behavior for their own benefit, thereby providing automated IF-THEN form rather than human intervention. It allows the investment process to proceed through process.

The investment transfer unit 390 may receive investment money from at least one user terminal 100 to a pre-designated escrow account when the recruitment of investors for at least one investment product is completed. The investment transfer unit 390 inputs a comment on the investment progress for at least one investment product, and when the user terminal 100 presents an opinion on the investment progress, the investment transfer unit 390 reflects the opinion according to a preset voting procedure and then , the description of the investment product, investment conditions, investment schedule, and investment recovery plan can be updated according to the above opinions, and the updated data can be notified to at least one stakeholder terminal.

When the process control unit 391 uploads the electronic payment step by step according to the investment schedule at the mentoring terminal 400 or the licensed business terminal 500, the investment funds are paid for each preset area within the electronic payment, and the investment funds are paid after the investment is completed. When recovering, the recovered investment funds can be controlled to be distributed to the mentoring terminal 400 or the licensed business terminal 500 and at least one user terminal 100 according to a preset ratio.

The blockchain unit 393 can set the processes of creating at least one investment product, recruiting investors, paying investment funds, and recovering and distributing investment funds based on blockchain and smart contract. In the blockchain department (393), when an investment in an investment product is confirmed and the investment money is entrusted or trusted, the investment product information is automatically notified to the institution that entrusted or trusted the investment money, and executes and recovers the investment according to the smart contract. and dividends may be paid.

A blockchain is a list of encrypted data blocks that function as a public distributed ledger. Each block stores the encrypted hash value, timestamp, and transactions of the previous block. In particular, since each block contains the encrypted hash value of the previous block, data cannot be modified without modifying all subsequent blocks. It is fundamentally impossible. A smart contract refers to a program that allows legal actions specified in the contract to be automatically executed when the conditions described in the contract are met. Recent blockchains such as Ethereum provide a Turing-Complete programming language for implementing smart contracts, allowing blockchain systems and smart contracts to be applied in various financial fields.

Although the blockchain system is being used successfully in many fields, cases where minor errors in smart contracts have caused enormous financial losses are often reported. Examples include DAO (Digital decentralized Autonomous Organization) error, Parity Multi-Signature error, and Integer Underflow/Overflow error. In particular, in the case of the DAO error, $50 million worth of Ether was stolen, leading to the division of Ethereum into Ethereum and Ethereum Classic. Various studies have been conducted to detect errors in such smart contracts, such as methods to check the safety of arithmetic operations of Ethereum smart contracts using Static Program Analysis methods or the Dependency graph of contracts. Although a method of analyzing and finding sufficient conditions to prove the property to be inspected was applied, the static program analysis method has the disadvantage of only detecting errors in predefined patterns. In addition, by using theorem proving techniques, the Ethereum Virtual Machine (EVM) can be expanded to Isabelle/HOL, which is capable of theorem proofing, to prove the correctness of smart contracts, and theorem proofing functional languages using metaprogramming. You can try to verify a smart contract by converting it to the Coq language, but this theorem proof technique has the disadvantage that it cannot be fully automated, so an expert must participate in the verification process.

To overcome these shortcomings, in one embodiment of the present invention, the Alternating-time Temporal Logic (ATL) model checking technique can be used to verify the accuracy of the smart contract. ATL model checking is a technique that automatically verifies whether the model of the system satisfies the given ATL Property in all cases, given the model of the system being verified and the ATL Property to be verified. ATL model checker returns True if the given model satisfies the property, and if it does not, it notifies the user of Counter-Example. This Counter-Example allows developers to know which part of the smart contract an error occurred, which is very helpful in correcting smart contract errors. In order to verify a given smart contract with the ATL model checker, a method can be used to accurately translate the Solidity language, which is mainly used in Ethereum smart contracts, into the language of the ATL model checker MCMAS.

Additionally, artificial intelligence can be used to recommend investment products.

<Short-term investment>

In the case of ultra-short-term investments, much of it can already be replaced by artificial intelligence. The reasons why artificial intelligence is replacing humans in ultra-short-term investments are as follows. First, there is enough data. Data has a critical impact on artificial intelligence performance. The amount of micro transaction data, commonly called tick data or intraday data, is enormous. Second, artificial intelligence can conclude transactions at a faster rate than humans. In the case of high-frequency trading (HFT), trading takes place at the millisecond level. And the faster and more closely you trade, the greater your trading profits. Here, humans are not competitors with artificial intelligence. Third, there is a difference in ultra-short-term information processing capabilities. Let’s say new information is created in news, websites, SNS, etc. In order to profit from this, the process of acquiring information, interpreting it, creating related trading algorithms, and then putting them into practice must be processed very quickly. In the case of artificial intelligence, information is acquired through scraping, the information is interpreted through natural language processing, and transactions are completed in real time using already programmed transaction algorithms. It is difficult for humans to systematically perform this series of procedures and reap profits over machines. Fourth, in the case of an algorithm that changes on its own, it can identify errors at a rapid rate and update itself at a rapid rate.

The most important technology in ultra-short-term investment and trading such as HFT is the Market Impact Model. The market impact model is part of the business model for HFT. Market shock refers to the degree to which prices move when market participants buy or sell assets. In other words, it indicates the degree to which the price rises when buying and the degree to which the price falls when selling. Market shocks are closely related to liquidity. Even if the same information and the same rate of return prediction model are used, the rate of return varies depending on transaction costs arising from market shocks.

Investors who trade large quantities of stocks must use market impact models to predict trading costs and evaluate trading efficiency to optimize trading costs to maximize returns. It is very difficult to increase alpha through the management of fund managers. In fact, 90% of active fund managers do not outperform the market index. This is because every year, 0.67% of the total market value is spent looking for alpha. On the other hand, reducing transaction costs using market impact models is much easier and closer to a science than improving alpha. From an investor's perspective, reducing transaction costs has the same effect as increasing alpha. Nevertheless, it can be said that receiving, operating, and trading funds from the government or individuals without scientifically considering market shocks is not fulfilling one's faithful fiduciary duty.

<Short-term investment and tactical asset allocation>

Short-term investment or TAA (Tactical Asset Allocation) is investment or trading based on daily information. At least in Korea, short-term investment and tactical asset allocation are the areas where artificial intelligence is most misused. This is the exact opposite of the ultra-short-term investment/trading field where there is a lot of data and information. The reason why artificial intelligence is being misused in tactical asset allocation is simple. This is because daily stock price data and accounting data can be easily obtained. Anyone who has learned basic statistics can create a simple investment algorithm. If you learn artificial intelligence at school, you can immediately run the code with stock data. However, it is very difficult to create powerful artificial intelligence such as deep learning using daily data. This is because the length of time series data is short. Even using 20 years of daily data, there are only about 5,000 observations. Of course, cross-sectional data are increasing rapidly.

For example, the amount and type of information that can be used to predict the stock price of a company is very large. However, rather than solving the problem, this may deepen it. This is because of the Curse of Dimensionality. For example, if you toss hundreds of thousands of coins, there will inevitably be coins that keep guessing whether the stock price of Samsung Electronics is rising or falling. These problems cannot be solved without academic theory and intuition about finance. This is why you should be wary of artificial intelligence funds managed by managers who lack established academic theories and financial intuition. This is why domestic robo-advisor companies are all promoting artificial intelligence, but the results are not clear.

If you want to use artificial intelligence in short-term investment or TAA, you have no choice but to use theory. In other words, we must utilize the achievements that have been established academically for decades. This is an effort to overcome the limitations of data with theory and intuition. The representative method is to use the methodology of traditional finance scholars who study investment strategies. In particular, it uses market anomalies, which scholars commonly talk about. It is safe to not consider TAA, hedge funds or robo-advisors that do not mention market anomalies or do not systematically manage at least dozens of market anomalies. Even if market anomalies are mentioned, it is meaningless for a fund to focus on investing in just a few of them. At least for scholars, market anomalies are the basics of implementing TAA.

Market anomalies are called smart betas or factors in the industry. It is easy to understand that it is an investment strategy that has been well-researched academically. There are hundreds of well-known market anomalies. In Korea, there are about 70 meaningful things that can be constructed with roughly daily data. Market anomalies should be investigated domestically/internationally and stocks/bonds, and a list should be constructed and utilized. Looking at this conversely, market anomalies can be used to analyze and evaluate the investment strategies of funds. And it can present a new standard for investors’ fund selection. You can focus on developing new strategies, such as creatively combining market anomalies like Lego, applying them to deep learning, or selecting anomalies according to the situation (Factor Rotation). In other words, experts can combine a list of market anomalies and develop strategies that do not span market phenomena.

<Mid to long-term investment>

When investing, investors show behavioral economics bias, and these behavioral economics errors can be prevented with rule-based strategies generated by artificial intelligence. For example, you can use an automated investment decision-making system based on academically proven theories. First, after analyzing an individual's human capital and identifying its characteristics, future cash inflows and outflows can be predicted. Portfolio optimization can be done by using this as an ALM (Asset-Liability Management) constraint. The optimization problem itself does not require any data. Optimization under constraints can also be performed directly by humans. However, changing the asset composition optimization according to changes in the situation and resolving the optimization problem based on this is quite complicated and cumbersome. Moreover, humans commit many biases in investing, and these errors occur systematically. Humans are overconfident in their abilities when making investment decisions, but their willpower to put their plans into action is weak. At the same time, they underestimate future risk preferences and are overly obsessed with short-term performance, but overlook taxes and transaction costs.

Behavioral finance has intensively studied biases in the investment decision-making process and has accumulated significant results. An important advantage of artificial intelligence is that it allows investments to be made without the involvement of emotions. Emotional judgment in investing is very dangerous. Humans tend to trade in a ruthless manner, looking only at emotions or day-to-day price fluctuations, which has a fatal negative impact on mid- to long-term investments. Artificial intelligence can prevent this by identifying individual characteristics and providing sophisticated services at an individual level. For this purpose, big data about the individual's past behavior or similar groups can be used. In summary, by reflecting the achievements of behavioral economics in artificial intelligence, it can point out human investment mistakes and solve optimization problems instead. Here, information on the latest academic achievements and the launch of financial products (insurance, etc.) is continuously updated. Based on this, artificial intelligence can make better investment decisions. Meanwhile, big data is used to identify investor characteristics, and academically known methodologies are used to make investment decisions. In this process, data use can be maintained at an appropriate level.

Meanwhile, the scientifically proven trick to long-term investment is diversification. However, diversifying investments is not as easy as you think. This is because the characteristics of individual human resources, workplace, real estate, etc. must be comprehensively considered. Artificial intelligence can also be helpful in making diversified investment decisions. The more mid- to long-term investments are made, the more the advantages of diversification are highlighted. Therefore, diversified investment using artificial intelligence helps mid- to long-term investment decisions. AI that combines behavioral economics can be provided, and artificial intelligence services identify investors' risk propensity through behavioral economics algorithms, design portfolios based on traditional portfolio theory (e.g. diversified investment), and provide ETFs, etc. You can use it to build a portfolio.

Hereinafter, the operation process according to the configuration of the platform service providing server of FIG. 2 described above will be described in detail using FIGS. 3 and 4 as an example. However, it will be apparent that the embodiment is only one of various embodiments of the present invention and is not limited thereto.

The platform (RichRoad) of the present invention, as shown in Figure 3a, helps people to acquire private financial qualifications through investment clubs and mentoring in Korea, where there is no education on asset management or investment, as shown in Figure 3b. By allowing you to receive real-time guidance from a mentor or certified business operator after investing in an investment product, we not only recommend investment products, but also enable you to hedge and manage risks, and provide hands-on experience just as a salesperson teaches a second-time investment product at work. By allowing investment experience to become a career, developing the ability to filter information and manage assets, it ultimately improves each individual's ability and prevents investment fraud, reducing social costs such as criminal justice resources. It can provide a platform that can provide hope to individuals and companies in need of investment.

The platform of Figure 3d, which has the same expandability as Figure 3c, has the same system structure as Figure 4a and proceeds through the process shown in Figure 4b. It provides the same functions as in Figure 4d with the same features as Figures 4c and 4d, allows business to proceed in the same steps as Figure 4e, and may enable a profit model as shown in Figure 4f. As shown in FIGS. 4G to 4J, an embodiment of the present invention can be implemented while complying with the regulations and restrictions of other laws, and the process of the present invention can be summarized as shown in Table 2 below.

user Mentor (Expert) Licensed business operator Level 1 Wealthy people seek out information on how to build and grow their wealth, or request and receive information they want. Upload information or videos related to asset formation and growth Upload information or videos related to asset formation and growth or promote certification Step 2 Member requests mentor or training Obtain certification to mentor Open certification lectures and submit exams Step 3 Members receive mentoring or training Mentoring or training after obtaining qualifications Award of certificate Step 4 Find or receive suggestions for investment products or investment clubs that suit you. Create an investment product or open an investment club Create an investment product or open an investment club Step 5 Deciding to invest in an investment product or investment club Steps to run an investment product or investment club Steps to run an investment product or investment club Step 6 Deposit into the system Request payment of business expenses from the system Request payment of business expenses from the system Step 7 in the system
Check your progress Investment work in progress Investment work in progress Step 7 (1) When a problem occurs in a smart contract
auto advance When a problem occurs in a smart contract
automatic progress When a problem occurs in a smart contract
auto advance Step 7 (2) Based on decision after voting Provide solutions when problems occur
and submitted to a vote Provide solutions when problems occur
and submitted to a vote Step 8 Achievement of investment goal & confirmation of completion of work Investment goal achieved & work completed Investment goal achieved & work completed Step 9 Investment return dividends from the system Payment of investment performance fees by the system Payment of investment performance fees by the system Step 10 Notice of investment overview and evaluation, etc.
(investment club continues to operate or closes)

㉠ The investment club opens an investment club as determined by the smart contract for operating the investment club and posts the outline of the investment product, investment schedule to recovery plan, and provides information to investors who meet the investment conditions on the platform of the present invention. Recruit by sending information. ㉡ The creator may directly contact or advertise to mentees, trainees, or followers. ㉢ The platform of the present invention transfers the investment money to an escrow account designated by the system when a designated investor is recruited. ㉣ As work progresses, the investment club operator uploads electronic payments to the system step by step according to the investment schedule, and the required funds are paid to the agreed upon place. Afterwards, when the investment is completed and recovered, the investment recovery amount is deposited into the platform of the present invention and Profit is paid to investors and operators as agreed on the invention platform. ㉤ If there is a problem during the investment process, ⓐ If it is agreed upon in the smart contract, it will proceed automatically. For example, an increase in investment amount within 20% can be executed automatically if it is decided to be executed from the reserve fund. ⓑ In cases where there is no understanding, the investment club can decide by voting whether to proceed with the investment and a solution. For example, if the investment amount is insufficient due to increased costs, an increase can be voted on and additional deposits can be made if passed. ㉥ Information required for investment evaluation, such as investment overview, investment period, rate of return, and investment evaluation, is announced, and ㉦ Investment club members can check all investment progress (including photos or videos) at any time on the application or website. .

Matters not explained regarding the method of providing the investment portal platform service in FIGS. 2 to 4 are the same as or can be easily inferred from the content previously described regarding the method of providing the investment portal platform service through FIG. 1, so they are described below. Please omit the explanation.

Figure 5 is a diagram showing a process in which data is transmitted and received between each component included in the investment portal platform service provision system of Figure 1 according to an embodiment of the present invention. Hereinafter, an example of the process of transmitting and receiving data between each component will be described with reference to FIG. 5, but the present application is not limited to this embodiment, and the process shown in FIG. 5 according to the various embodiments described above It is obvious to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 5, the platform service providing server verifies at least one certificate and experience of the certificate business operator terminal and then registers it as a certificate business owner (S5100), checks whether the qualification acquisition conditions are satisfied at the mentoring terminal, and then provides the mentor's certificate. Qualify (S5200).

In addition, the platform service providing server matches the mentoring terminal when applying for mentoring from the user terminal, matches the certification lecture of the certification business operator terminal when applying for at least one certification lecture (S5300), and matches at least one investment terminal from the user terminal. When investing in a product, guide data from a previously matched mentoring terminal or a licensed business terminal is received (S5400), and if profits are generated for at least one investment product, profits are distributed (S5500).

The sequence between the above-described steps (S5100 to S5500) is only an example and is not limited thereto. That is, the order between the above-described steps (S5100 to S5500) may be changed, and some of the steps may be executed simultaneously or deleted.

Matters that are not explained regarding the method of providing the investment portal platform service of Figure 5 are the same as or can be easily inferred from the content previously described regarding the method of providing the investment portal platform service through Figures 1 to 4, so they are described below. Please omit the explanation.

The method of providing an investment portal platform service according to an embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium containing instructions executable by a computer, such as an application or program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may include all computer storage media. Computer storage media includes both volatile and non-volatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data.

The method of providing an investment portal platform service according to an embodiment of the present invention described above can be executed by an application installed by default on the terminal (this may include programs included in the platform or operating system, etc., installed by default on the terminal), , It may be executed by an application (i.e., a program) installed directly on the master terminal by the user through an application providing server such as an application store server, a web server related to the application or the service. In this sense, the method of providing an investment portal platform service according to an embodiment of the present invention described above is implemented as an application (i.e., a program) installed by default in the terminal or directly installed by the user and readable by a computer such as in the terminal. It can be recorded on a recording medium.

The description of the present invention described above is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential features of the present invention. will be. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims described below rather than the detailed description above, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. do.

Claims (8)

A certificate business terminal that holds at least one certificate, has certified experience, is registered as a certificate business operator, opens at least one certificate lecture, and then sets conditions for obtaining the certificate;
A mentoring terminal that outputs the at least one certification lecture and, when it satisfies the conditions for obtaining the certification, acquires the certification and is qualified as a mentor to perform mentoring;
A user terminal that receives training by applying for mentoring or at least one certification lecture, invests money in at least one investment product, and receives dividends; and
A qualification business register for registering as a certificate business after verifying at least one certificate and experience of the certificate business terminal, and a mentor register for granting qualifications as a mentor after confirming whether the conditions for acquiring the certificate have been satisfied at the mentoring terminal; A matching unit that matches a mentoring terminal when applying for mentoring from the user terminal and matches a certification lecture of the certification business operator terminal when applying for the at least one certification lecture, and a matching unit for investing in at least one investment product at the user terminal. At this time, a guide receiving unit that receives guide data from the previously matched mentoring terminal or certified business operator terminal, a dividend unit that allocates profits when profits for the at least one investment product are generated, and the guide data from the mentoring terminal or certified business operator terminal When uploading, a voting process unit that allows voting on a plurality of user terminals invested in the investment product based on the uploaded guide data and shares the results, and creates the at least one investment product, recruits investors, and invests. The process of fund payment, investment fund recovery and distribution is set to proceed based on blockchain and smart contracts, and when the investment in the investment product is confirmed and the investment money is entrusted or trusted, the investment money is invested in the entrusted or trusted institution. A platform service providing server that automatically notifies product information and includes a blockchain unit that executes funds, returns investment, and distributes dividends according to the smart contract;
Investment portal platform service provision system including.
delete According to claim 1,
The platform service providing server is,
When at least one investment product is created in the mentoring terminal or the licensed business terminal, an investment product posting unit that posts information about the at least one investment product or investment club;
An investment portal platform service provision system further comprising:
According to claim 3,
The platform service providing server is,
When the at least one investment product is created, the description of the investment product, investment conditions, investment schedule, and investment recovery plan are uploaded from the mentoring terminal or the licensed business terminal, and sent to at least one user terminal matching the investment conditions. An investor recruitment unit that transmits information about the at least one investment product or transmits information about the at least one investment product to at least one user terminal that has received training from the mentoring terminal or the licensed business terminal;
An investment portal platform service provision system further comprising:
According to claim 4,
The platform service providing server is,
When the recruitment of investors for the at least one investment product is completed, the investment money is transferred from the at least one user terminal to a pre-designated escrow account, a comment on the investment progress for the at least one investment product is entered, and the user When the terminal presents an opinion on the investment progress, the opinion is reflected according to the pre-set voting procedure, the description of the investment product, investment conditions, investment schedule, and investment recovery plan are updated according to the opinion, and the updated data is updated. Investment transfer department that notifies to at least one stakeholder terminal;
An investment portal platform service provision system further comprising:
According to claim 5,
The platform service providing server is,
When electronic payment is uploaded step by step according to the investment schedule on the mentoring terminal or certified business terminal, investment funds are paid for each pre-set area in the electronic payment, and when the investment funds are recovered after the investment is completed, the recovered investment funds are stored in the pre-set amount. A process control unit that controls distribution to the mentoring terminal or certificate provider terminal and at least one user terminal according to the ratio;
An investment portal platform service provision system further comprising:
delete delete

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