KR102645745B1 - Method, apparatus and recording medium for fund investment - Google Patents

Abstract

A method, apparatus, and recording medium for online funds are provided. Embodiments may provide methods, devices, and recording media for selling, contracting, and reporting for online funds. The fund provision system may include a first terminal of an investor who wants to invest in a fund, a server that provides services related to the fund, and a seller terminal of a seller who wants to sell the fund. Information about the fund can be provided through the fund provision system, and a contract for the fund can be concluded. Additionally, reports on fund operation can be made through the fund provision system.

Description

METHOD, APPARATUS AND RECORDING MEDIUM FOR FUND INVESTMENT}

The present invention relates to a method, apparatus and recording medium for online funds. Specifically, a method, apparatus and recording medium for selling, contracting and reporting on online funds are disclosed.

The importance of online channels in the fund sales market continues to increase, and the proportion of online-only funds is also increasing. Additionally, online direct sales channels for private equity funds are emerging.

The pain points of these online channels are 1) problems with market development or sluggish sales, and 2) problems with insufficient consumer protection.

Regarding these pain points, problems of impediment in investor decision-making for one-way channels and problems of continuing realistic and familiar work can be pointed out. In other words, there is a problem that it is difficult for investors to make decisions in terms of expertise and psychological aspects in one-way channels, and in the field, the growth potential of online channels brought about by the pandemic and the growth of the MZ generation is overlooked, and realistic offline-oriented businesses are not possible right now. There is a problem with preference.

In particular, in online channels, there is a problem that even if fund consumers need help from experts, it is difficult to receive face-to-face explanations through a window, etc., and even if a lot of comparable information is provided online, there is a problem that consumers must review and judge it themselves.

Additionally, if the obligation to explain is considered to be satisfied simply by providing information online, consumer convenience may be reduced and concerns regarding consumer protection may arise.

In this respect, the conventional fund sales online channel can be seen as a lopsided playing field that is advantageous to the selling financial companies.

One embodiment may provide an apparatus, method, and recording medium for providing funds and information about the funds.

On one side, the step of registering a seller and a fund sold by the seller, performed by a server; performing matching between investors and funds; Providing fund information about the fund to the investor's terminal; A method of providing fund information including is provided.

The fund information providing method includes: concluding a contract between the investor and the seller for the fund; And it may further include transmitting a report on the operation of the fund to the terminal.

The report may include a report card for the fund.

The method of providing fund information includes receiving a request for explanation of the fund from the terminal; And it may further include transmitting explanation information for the explanation request to the terminal.

The request for explanation may be a request for recommendation of a fund among funds registered on the server.

The explanatory information may include an explanatory video for the fund.

The explanation video may include items to be explained to the investor when selling the fund.

Upon receiving the explanation request, the server may confirm the investment type of the investor and select the fund that matches the investment type of the investor among funds registered on the server according to the result of confirmation of the investment type. there is.

The server may recognize the play and end of the explanation video as it receives information indicating the play of the explanation video and information indicating the end of the play from the terminal.

The server may transmit a fund information question to the first terminal.

The server may receive a response to the fund information question from the first terminal.

The server can check whether the response is correct.

The explanation video, the fund information question, and the response may be stored on the server.

If the fund is a private fund, the server may check whether the investor has the qualifications of a private fund investor, and match the investor to the private fund if the investor has the qualifications of a private fund investor.

If it is confirmed that the investor has no intention to invest in the fund, the server may set the information about the fund not to be provided again to the investor who is a user of the terminal.

On the other hand, a computer-readable recording medium containing a program for performing the above method of providing fund information is provided.

In another aspect, the step of transmitting an explanation request to a server, performed by the investor's terminal; Receiving explanation information for the explanation request from a server; Comprising the step of outputting the explanation information to the terminal, wherein the explanation request is a request for recommendation of a fund among funds registered in the server, and the explanation information provides fund information including an explanation video for the fund. A method is provided.

A contract between the investor and the seller of the fund may be concluded by the server.

The terminal may receive a report on the operation of the fund from the server.

The report may include a report card for the fund.

The explanation video may include items to be explained to the investor when selling the fund.

As the server receives the explanation request, the investment type of the investor is confirmed by the server, and according to the result of confirmation of the investment type, the fund registered in the server matches the investment type of the investor. A fund may be selected.

The terminal may transmit information indicating the play of the explanation video and information indicating the end of the play to the server.

The terminal may receive a fund information query from the server.

The terminal may transmit a response to the fund information question to the server.

In another aspect, a computer-readable recording medium containing a program for performing the above method of providing fund information is provided.

In another aspect, the step of registering the seller and the fund sold by the seller on a server, performed by the seller's terminal; A method for providing fund information is provided, including receiving confirmation of matching between an investor and the seller from the server: and transmitting a response to the confirmation to the server.

When registering the fund on the server, information related to the fund may be required.

Information related to the fund may include a product description for the fund and an explanation video for the fund.

The explanation video may include items to be explained to the investor when selling the fund.

In another aspect, a computer-readable recording medium containing a program for performing the fund information providing method described above is provided.

Devices, methods, and recording media for providing funds and information about the funds are provided.

Figure 1 shows a fund provision system according to one embodiment.
Figure 2 is a structural diagram of a first terminal according to an embodiment.
Figure 3 is a structural diagram of a server according to one embodiment.
Figure 4 is a structural diagram of a second terminal according to one embodiment.
Figure 5 is a flowchart of a fund provision method according to one embodiment.
Figure 6 is a flowchart of fund seller and fund registration steps according to one embodiment.
Figure 7 is a flowchart of the matching step between investors and funds according to one embodiment.
Figure 8 is a flowchart of the product information provision step according to one embodiment.
Figure 9 is a flowchart of a re-confirmation step for an investor according to an example.
10 is another flowchart of a fund provision method according to an example.
Figure 11 shows questions and responses to questions by another Chatbot, as an example.
Figure 12 shows a report on fund management according to an example.

Since the invention can make various changes and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all changes, equivalents, and substitutes included in the spirit and technical scope of the present invention.

For a detailed description of the exemplary embodiments described below, refer to the accompanying drawings, which illustrate specific embodiments by way of example. These embodiments are described in sufficient detail to enable those skilled in the art to practice the embodiments. It should be understood that the various embodiments are different from one another but are not necessarily mutually exclusive. For example, specific shapes, structures and characteristics described herein with respect to one embodiment may be implemented in other embodiments without departing from the spirit and scope of the invention. Additionally, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the embodiment. Accordingly, the detailed description that follows is not to be taken in a limiting sense, and the scope of the exemplary embodiments is limited only by the appended claims, together with all equivalents to what those claims assert if properly described.

Similar reference numbers in the drawings refer to identical or similar functions across various aspects. The shapes and sizes of elements in the drawings may be exaggerated for clearer explanation.

In the present invention, terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, a first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component without departing from the scope of the present invention. The term “and/or” may include any of a plurality of related stated items or a combination of a plurality of related stated items.

When a component is said to be “connected” or “connected” to another component, the two components may be directly connected or connected to each other, but It should be understood that other components may exist in the middle of the components. On the other hand, when a component is said to be “directly connected” or “directly connected” to another component, it should be understood that no other component exists in between the two components. something to do.

Components appearing in the embodiments are shown independently to represent different characteristic functions, and do not mean that each component consists of separate hardware or a single software component. In other words, each component is listed and included as a separate component for convenience of explanation, and at least two of each component are combined to form one component, or one component is divided into multiple components to function. It can be performed, and integrated embodiments and separate embodiments of each of these components are included in the scope of the present invention as long as they do not deviate from the essence of the present invention.

The terms used in the examples are only used to describe specific examples and are not intended to limit the invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In embodiments, terms such as “comprise” or “have” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are intended to indicate the presence of one or more other features, numbers, steps, operations, components, parts, or combinations thereof. It should be understood that this does not exclude in advance the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof. In other words, the description of “including” a specific configuration in the embodiments does not exclude configurations other than the configuration, and means that additional configurations may also be included in the practice of the present invention or the scope of the technical idea of the present invention. .

In embodiments, the term “at least one” may mean one of one or more numbers, such as 1, 2, 3, and 4. In embodiments, the term “a plurality of” may mean one of two or more numbers, such as 2, 3, and 4.

Some of the components of the embodiments may not be essential components that perform essential functions in the present invention, but may simply be optional components to improve performance. Embodiments may be implemented by including only components essential for implementing the essence of the embodiments, excluding components used only to improve performance. Structures that include only essential components excluding optional components used to improve performance are also included in the scope of the embodiments.

Hereinafter, embodiments will be described in detail with reference to the attached drawings so that those skilled in the art can easily implement the embodiments. In describing the embodiments, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present specification, the detailed description will be omitted. In addition, the same reference numerals are used for the same components in the drawings, and duplicate descriptions of the same components are omitted.

In the examples below, a new method compared to conventional online fund sales is presented.

In embodiments, a process of confidence build-up between sellers and investors is provided, and two-way communication such as that provided at online sales outlets can be implemented, reflecting the trendy mobile culture. there is.

Through this confidence build-up and two-way communication, the needs of investors, sellers, and financial authorities can all be met, and a seamless process through technology and ideas can be implemented.

System configuration

Figure 1 shows a fund provision system according to one embodiment.

The fund provision system may include at least a portion of the first terminal 110, the server 120, and the second terminal 130.

The first terminal 110 may be an investor terminal of an investor who wants to invest in a fund. Additionally, the first terminal 110 may be a first user terminal that invests in a fund using a fund provision system.

Investors may be consumers of the fund. In embodiments, the term “investor” may be used interchangeably with the term “consumer.”

The server 120 may be a fund providing server or a fund information providing server that provides fund-related services or fund-related information.

The second terminal 130 may be a seller terminal of a seller wishing to sell funds. Additionally, the second terminal 130 may be a second user terminal that provides funds using a fund provision system.

Services related to the fund provided by the seller may be provided to investors through the server 120.

In embodiments, seller may mean a seller terminal. Investor may also mean an investor terminal.

The seller may be the manager of the fund. In embodiments, the term “seller” may be used interchangeably with the term “operator.” The operator of the server 120 and the operator of the second terminal 130 may be different people or the same person.

Each terminal (eg, the first terminal 110 and the second terminal 130) in the embodiments may be an electronic device or a portable electronic device. For example, the terminal may be a smart phone. Alternatively, the device 100 may be a Personal Digital Assistant (PDA), Portable Multimedia Player (PMP), feature phone, navigation, tablet, laptop, or personal computer ( It may be a Personal Computer, Set-top Box, wearable device, digital signage, Internet of Things (IoT) device, or computer system. Each terminal in embodiments may be, for example, a wearable device such as a head mounted display (HMD), a smart watch, and smart glass, and may include a wearable device. You can.

Through the fund provision system, the effects described below can be obtained, as will be explained in the embodiments below.

- Investors can listen to face-to-face explanations by experts online or offline through the first terminal 110.

- Incomplete sales of the seller’s funds can be prevented. In other words, the six principles of fund sales can be observed through the service design of the embodiments.

- Irresponsible investment by investors can be prevented. In other words, responsible investment in the fund can be enforced through the service design of the embodiments.

- Confirmation of the investment performance of the investor's fund can be easily performed.

Structure of each device in the system

Figure 2 is a structural diagram of a first terminal according to an embodiment.

The first terminal 110 may include a processing unit 111, a communication unit 112, a display 113, and a sensor 114.

The processing unit 111 may perform operations of the first terminal 110 described in the embodiments. In embodiments, a description that the first terminal 110 performs a specific operation may be considered to mean that the processing unit 111 performs the specific operation.

The communication unit 112 may transmit information transmitted from the first terminal 110 and receive information received from the first terminal 110 as described in the embodiments. In embodiments, a description that the first terminal 110 transmits specific information may be considered to mean that the communication unit 112 transmits the specific information. The description that the first terminal 110 receives specific information may be considered to mean that the communication unit 112 receives the specific information.

The display 113 may output information about the first terminal 110 described in the embodiments. In embodiments, a description that the first terminal 110 outputs specific information may be considered to mean that the display 113 outputs the specific information.

The sensor 114 may perform recognition of information on the first terminal 110 described in the embodiments. In embodiments, a description that the first terminal 110 recognizes specific information may be considered to mean that the sensor 114 recognizes the specific information.

Figure 3 is a structural diagram of a server according to one embodiment.

The server 120 may include a processing unit 121 and a communication unit 122.

The processing unit 121 may perform the operations of the server 120 described in the embodiments. In embodiments, a description that the server 120 performs a specific operation may be considered to mean that the processing unit 121 performs the specific operation.

The communication unit 122 may transmit information transmitted from the server 120 and receive information received from the server 120 as described in the embodiments. In embodiments, a description that the server 120 transmits specific information may be considered to mean that the communication unit 122 transmits the specific information. The description that the server 120 receives specific information may be considered to mean that the communication unit 122 receives the specific information.

Figure 4 is a structural diagram of a second terminal according to one embodiment.

The second terminal 130 may include a processing unit 131 and a communication unit 132.

The processing unit 131 may perform operations of the second terminal 130 described in the embodiments. In embodiments, a description that the second terminal 130 performs a specific operation may be considered to mean that the processing unit 131 performs the specific operation.

The communication unit 132 may transmit information transmitted from the second terminal 130 and receive information received from the second terminal 130 as described in the embodiments. In embodiments, a description that the second terminal 130 transmits specific information may be considered to mean that the communication unit 132 transmits the specific information. The description that the second terminal 130 receives specific information may be considered to mean that the communication unit 132 receives the specific information.

How to provide funds through the system

Figure 5 is a flowchart of a fund provision method according to one embodiment. The fund provision method can also be considered a fund information provision method.

The fund provision method may include a fund seller and fund registration step (510), a matching step between investors and funds (520), a product information provision step (530), a contract conclusion step (540), and a fund operation reporting step (450). there is.

In step 510, the second terminal 130 may register the seller and the fund sold by the seller on the server 120.

The server 120 may register the seller and the funds sold by the seller at the request of the second terminal 130.

At step 520, server 120 may perform matching between investors and registered funds. Investors may be a pool of investors registered on the server 120.

In step 530, the server 120 may provide product information to the first terminal 110. In embodiments, the product may refer to a fund provided by a seller, and the product information may refer to fund information about the fund. The first terminal 110 may be a terminal of an investor matched to the fund in step 520 among investors.

In step 540, the server 120 may conclude a contract between the investor of the first terminal 110 and the seller of the second terminal 130 for the registered fund.

Through the process up to step 540, the investor's intention to invest in the fund can be confirmed, and as the investor's intention to invest in the fund is confirmed, the contract can be processed. The contract may be an electronic contract between an investor and a seller, or an electronic contract between two or more of an investor, an operator of the server 120, and a seller.

An electronic contract may be a contract pursuant to Article 2 of the Electronic Signature Act.

Documents or information related to a contract, such as a contract, can be stored by each contracting party and stored in the server 120. For example, documents or information related to the contract may be stored in the investor's first terminal 110, the server 120, and the seller's second terminal 130, respectively.

Documents or information related to a contract may be stored for a certain period of time. The specific period may be a predefined period such as 1 year or 10 years, or may be a period required by related laws, etc.

On the other hand, if it is confirmed that the investor has no intention to invest in the fund, the server 120 may set the fund not to be re-suggested to the investor who is the user of the first terminal 110.

Here, re-recommending the fund to the investor may mean that the above-described product information provision step 530, etc. to the investor and the fund is performed again. In other words, if it is confirmed that the investor has no intention to invest in the fund, the server 120 can be set so that information about the fund is not provided again to the investor who is the user of the first terminal 110. Therefore, in subsequent matching for the fund, the investor may be excluded from matching.

For example, if the product description invitation is rejected by the investor in the product description invitation step 810, which will be described later, the server 120 can confirm that the investor has no intention to invest in the fund, and the procedure ends according to this confirmation. It may be possible, and the server 120 may be set to prevent the fund from being re-recommended to investors. Through this setting, the product information provision step 530, etc. may not be performed for the same fund to the same investor in the future.

As the contract is concluded, the investor's investment in the fund and the issuance of securities can occur.

For example, the issuance of securities may take the form of an electronic securities depository or issuance of a Security Token Offering (STO) on a blockchain. Securities issuance may be made in accordance with Article 309 of the Capital Markets Act. A regulatory sandbox may apply to STO issuance.

In step 550, the server 120 may transmit a report on the operation of the fund to the first terminal 110. Reports on the operation of a fund may include information related to the operation of the fund for which a contract has been concluded. The report may include an asset management report from a seller or operator who is a user of the second terminal 130.

Such reporting may be made in accordance with Article 249-4⑤ of the Capital Markets Act.

The server 120 may provide management of the fund after the sale of the fund, and reporting on fund operation may be one of such management. Additionally, inspection details on the seller's operation can be shared through reporting.

Investors can be protected through management by the server 120, and management services for investments can be automated.

The fund offering method of the embodiment can be applied to online sales for private equity funds, and can also be applied to public funds with relatively low regulatory intensity.

Figure 6 is a flowchart of fund seller and fund registration steps according to one embodiment.

The fund seller and fund registration step 410 may include a seller registration step 610 and a fund registration step 620.

In step 610, the second terminal 130 may register the seller of the second terminal 130 on the server 120. Here, registration may mean signing up as a seller member for a service such as an APP service provided by the server 120.

When registering as a seller, proof of qualification to sell funds and proof of employment may be required. The second terminal 130 can transmit the seller's sales qualification and employment certificate to the server 120, and the server 120 verifies and uses the sales qualification and employment certificate to identify the seller of the second terminal 130. It can be registered on the server 120.

Here, fund sales qualifications may mean qualifications as a fund investment recommendation agent or fund investment recommendation advisor recognized by the Financial Investment Association. Fund sales qualifications can be proven with documents issued by the Financial Investment Association. Qualifications as a fund investment recommendation agent can be proven through a certificate of passing the relevant exam, and qualifications as a fund investment recommendation advisor can be proven through a certificate of professional registration. For example, when a scan file of a certificate of acceptance or confirmation is uploaded to the server 120, the fund sales qualification can be proven by the server 120 confirming the uploaded scan file.

The employment certificate may refer to the employment certificate of the organization to which the seller belongs (for example, a company, bank, securities company, insurance company, etc.) or a scanned file of the employment certificate.

The second terminal 130 can perform the seller's login to the server 120, and when logging in, identity authentication for the seller can be processed.

In step 620, the second terminal 130 may register the seller's fund in the server 120.

When registering a fund on the server 120, information related to the fund may be required. The second terminal 130 can transmit fund-related information to the server 120, and the server 120 verifies and uses the fund-related information to register the seller of the second terminal 130 with the server 120. can do.

Information related to the fund may include: 1) a product prospectus (or prospectus) for the fund, 2) an explanatory video for the fund, 3) information on key aspects of the fund, and 4) information on eligible investor conditions. there is.

In embodiments, “product” may mean “fund”.

Information related to the fund may include key details about the fund. Key details may include base price, remuneration and rate of return.

The server 120 may register suitable investor conditions for the fund using information on suitable investor conditions.

Regarding funds, when a seller and a fund are registered in the server 120, settings for an individual fund can be made through interaction between the second terminal 130 and the server 120. For example, when a seller and a fund are registered, the server 120 can create a fund room or fund site for the fund. The seller can set up the fund in the fund room or fund site created for the fund provided through the second terminal 130.

Establishment of a fund may include registration of eligible investor conditions for the fund.

Suitable investor conditions may be registered in the server 120 through information on suitable investor conditions.

Suitable investor conditions may consist of key details describing the fund in the fund's product description as conditions. Alternatively, the conditions of eligible investors for a fund described in the product prospectus for the fund may be expressed as eligible investor conditions.

Suitable investor conditions may indicate conditions of investors suitable for the fund selected by the seller.

According to these suitable investor terms, the suitable investor terms may include information indicating which investors are suitable to invest in the fund. Suitable investor conditions may be consistent with the characteristics of the fund described in the product prospectus or the characteristics of investors suitable for the fund described in the product prospectus.

Suitable investor conditions may indicate the investment purpose, financial status, and investment experience of an investor suitable for the fund.

Suitable investor conditions may include the investment propensity of investors suitable for the fund. An investor's investment propensity may refer to the investor type.

The investment propensity of an investor suitable for a fund can indicate the level of profitability and risk of the fund, and can indicate the investor's risk taking level identified through a survey of investors.

The level of risk can be determined based on the fund's management philosophy, strategy, and investment targets.

For example, the investment propensity of an investor suitable for a fund can be classified as stable type, stability-seeking type, risk-neutral type, active investment type, and aggressive investment type, and the investment propensity of an investor suitable for a fund can be classified as stable type, stability-seeking type, It can be one of the following: risk-neutral, active, and aggressive.

Suitable investor conditions may include the investment size of the investor suitable for the fund.

Suitable investor conditions may include investment targets for investors suitable for the fund.

For example, the investment object may be one or more of stocks, bonds, and collective investment securities.

Suitable investor conditions may include industries in which the fund is investing, as required/preferred by investors suitable for the fund.

Suitable investor conditions may include investment themes required/preferred by suitable investors for the fund. For example, investment themes may include semiconductors, ESG (Environmental, Social, and Governance), autonomous driving, and raw materials.

Suitable investor conditions may include investment locations required/preferred by investors suitable for the fund. For example, an investment location can represent a specific country or region, such as Korea, the United States, Europe, and South America.

Suitable investor conditions may include the type of fund required by a suitable investor for the fund.

For example, the type of fund may be one of a public fund and a private fund. Alternatively, the type of fund can be classified as either a public fund or a private fund.

For example, through a survey of investors, the server 120 selects investors who are aggressive investment type and registered as being interested in the investment theme of autonomous driving to funds that are aggressive investment type and have the investment theme of autonomous driving. It can be matched.

The explanatory video may need to include items that need to be explained to consumers (i.e. investors) when selling a fund as described in the standard sales manual for collective investment securities. In embodiments, “items to be explained” may be understood as “items to be mandatorily explained.” In embodiments, “standard manual” and “standard sales manual” may be “collective investment securities standard sales manual”.

The server 120 may determine whether the transmitted explanation video includes items that need to be explained to the consumer. If the explanation video does not include items that need to be explained to consumers, the server 120 may refuse uploading (or registration) of the explanation video or registration of the fund.

The uploaded explanation video can be stored for a long time by the server 120, and can be used as data to confirm whether there was a problem in the sale of the fund if a problem or dispute occurs between investors and sellers in the future.

One of the key features of the present invention may be the provision of the above-described explanation video. Conventional fund explanations are mainly done through face-to-face consultations at branch offices, but because the product (investment) descriptions or fund investment contracts used for explanations are large, the seller has to repeat the same content orally for a long time every time he or she makes a sale. It is inconvenient and has the disadvantage of making it difficult for investors (i.e. fund buyers) to immediately understand the content during face-to-face consultation with the seller. In other words, relying solely on text to list information about the fund, as provided by conventional online fund sites, and leaving the understanding and decision-making about the fund to the investor, does not satisfy the investor's desire to find a good fund. It may not be possible.

To solve this problem, in an embodiment, an explanatory video explaining the fund may be mandatory uploaded at the same time as the core product description for the fund is uploaded. In other words, compared to the conventional method of having to visually read the description of the fund expressed in text and understand the contents on one's own, the method of providing funds in the embodiment makes it easier for investors to understand by converting the description on the online fund site into a video. You can.

Through these restrictions, the sales effort required by the seller to repeatedly explain the fund can be significantly reduced, and investors can be provided with repeated viewings of parts that are difficult to understand, which can help investors understand the fund. You can take time to think about it. Furthermore, a two-way communication method can be provided in which investors can ask questions directly to sellers, etc. through messengers, etc., which will be described later.

The explanatory video may be written by the seller, or produced by the company or fund management company to which the seller belongs.

The explanatory video is stored in the server 120 and can be used as confirmation material in disputes over incomplete sales and illegal sales that frequently occur in fund sales. In other words, if a legal dispute arises after the sale of a fund, the explanatory video can serve as a basis for clearly investigating and determining whether the sale of the fund by the seller complies with relevant laws. Through these explanatory videos, both sellers and investors can conduct fund-related transactions with confidence, and the fund market, which has been contracted due to incomplete sales, can be revitalized.

In the past, after selling a fund, the sales company would usually check via phone whether the investor had been notified of the risk of principal loss, and record this confirmation, putting the investor at a disadvantage in subsequent legal disputes. In addition, according to the current financial investment business regulations (for example, Schedule 12 of the Financial Investment Business Regulations, page 38 of the Standard Sales Manual), sellers are required to keep the documents provided to investors, and if there are no defects in the kept documents, the fund cannot be sold. You may be in a position to avoid liability. However, this data storage method may have the disadvantage of not being able to check what nuances and metaphors influenced the investor's judgment during the seller's face-to-face verbal explanation of the fund. Meanwhile, existing online fund sales sites are structured to provide only one-sided, documented data that minimizes the seller's liability, and as explained in the examples, explain the fund in compliance with relevant laws and regulations by producing an explanatory video. No upload method is provided.

In some cases, even though the fund seller objectively provided an appropriate explanation, it may be possible for investors to misunderstand or misunderstand and raise issues later. In this case, the explanation video of the embodiment can be used as a means to protect the seller. Therefore, the trust of both sellers and investors in the fund sales market can be improved by uploading and storing an objective explanation video and later confirming it by the investor, the operator of the server 120, or the seller when necessary.

Figure 7 is a flowchart of the matching step between investors and funds according to one embodiment.

The matching step 520 between investors and funds may include a matching request step 710, an investor survey result acquisition step 720, and a matching step 730.

In step 710, the first terminal 110 may transmit a matching request to the server 120.

The matching request may be an investor who is a user of the first terminal 110 requesting a recommendation of a fund suitable for the investor among funds available on the server 120.

At step 720, server 120 may obtain investor survey results for the investor.

Step 720 may be performed after step 710. Additionally, step 720 may be performed when the first terminal 110 registers an investor of the first terminal 110 in the server 120, and the first terminal 110 registers the first terminal 110 in the server 120. It may also be performed after registering the investor of the terminal 110. Here, registration may mean signing up as an investor member for a service such as an app service provided by the server 120.

As the server 120 registers the investor of the first terminal 110, the investor of the first terminal 110 may be added to the pool of investors.

Upon registration, the server 120 may obtain the investor's consent to provide investor information through the first terminal 110.

The server 120 may transmit the investor survey to the first terminal 110. The investor of the first terminal 110 may write a response to the investor survey through the first terminal 110. The first terminal 110 may transmit the results of the investor survey to the server 120. Investor survey results may include investor responses to investor surveys.

The investor survey may include questions to determine whether the investor meets the qualifying investor criteria. For example, an investor survey may include questions to determine the investor's investment purpose, financial status, investment experience, investment inclination, investment size, investment target, theme, investment area, and type of fund.

An investor's responses to an investor survey may include information used to determine whether the investor meets the qualifying investor criteria. For example, the investor's response may include information indicating the investor's investment purpose, financial status, investment experience, investment propensity, investment size, investment target, theme, investment area, and fund type.

In step 730, the server 120 may perform matching between investors and funds registered on the server.

As a result of performing matching, potential investors may be selected from among investors registered on the server for the fund.

According to the embodiment, compared to the conventional process of selecting a fund judged to be suitable for a specific investor based on the judgment of the seller and recommending the selected fund to the specific investor, the investor and the fund are provided through matching by the server 120. Matching by a system that uses comprehensive conditions for

The server 120 may perform curation of investors suitable for the fund through matching between investors and funds registered on the server. As a result of this curation, potential investors for the fund may be identified.

Server 120 may select matched potential investors for the fund using the investor's investor survey and eligible investor criteria for the fund.

Here, if the fund is a private equity fund, after verifying the qualifications of the investors, matching may be performed on the investors whose qualifications have been confirmed. For example, the server may check whether the investor qualifies as a private equity fund investor and, if the investor qualifies as a private equity fund investor, match the investor to a private equity fund.

Because private equity funds have a high-risk-high-reward nature, the qualifications of investors in private equity funds may be regulated by relevant laws such as the Capital Markets Act. If the seller registers a fund on the server 120 to sell private equity funds, the server 120 can first confirm that the investor is qualified as a private equity fund investor under the law, and only transfer the investor to the private equity fund if it is determined to be eligible. It can be matched to .

Specifically, investors in private equity funds may be either 1) or 3) below.

1) An individual who, as a general investor, can invest at least KRW 300 million (at least KRW 500 million if the fund is leveraged (borrowed) in excess of 200%)

2) Individuals designated as professional investors by financial investment companies

3) Institutional investors

Accordingly, the server 120 can match the investor to a private equity fund after checking whether the investor meets the above qualifications.

For this confirmation, if the investor is an individual, the investor's first terminal 110 may submit a scan file of the bank account balance proof or professional investor confirmation certificate to the server 120. If the investor is an institution, the investor's first terminal 110 may submit a scanned file of the business registration certificate to the server 120.

The server 120 may register that an investor eligible for private equity fund matching satisfies the conditions based on the information submitted by the investor.

Private equity funds may have restrictions on the number of people who can recommend investments. For example, under current law, general investors in private equity funds may be limited to 49 people, and even if professional investors and institutional investors are added to general investors, the total number of investors may be limited to 100 people. Subject to these restrictions, sales and investment activities for private equity funds may be more private and opaque than those for public funds.

Non-disclosure due to the limitation on the number of people recommended to invest in such private equity funds can lead to problems in which it is difficult for sellers to find investors and it is difficult for investors to find private equity funds in which they want to invest.

Embodiments may provide more opportunities for both sellers and investors by implementing automatic matching between investors and sellers of private equity funds through the server 120. Additionally, the limit on the number of investors described above can be implemented on the system through processing restrictions on funds, which will be described later.

The investor of the first terminal 110 may be one of potential investors. That is, in the embodiment, the selection of potential investors may be understood as replacing the selection of the investor of the first terminal 110. Below, a case where the investor of the first terminal 110 is selected as a potential investor will be described.

In another embodiment, matching by the server in step 730 may also be performed by the first terminal 110. An investor who is a user of the first terminal 110 can check the sellers and registered funds registered on the server 120 through the first terminal 110, and select a specific seller and registered funds from the registered sellers and registered funds. You can choose a specific fund.

When selecting a specific seller and a specific fund, an investor can review sellers registered on the server 120 and select a specific seller based on the seller's image and experience, fund sales history, etc.

The first terminal 110 may transmit a request for matching to the selected fund to the server 120. When matching for a fund is requested, the server 120 may transmit a confirmation of the matching to the second terminal 130. The seller, who is the user of the second terminal 130, can select a response to the confirmation. The second terminal may transmit a response to the confirmation to the server 120. The response to the confirmation may indicate either acceptance or rejection of the match. If matching is accepted by the seller, the product information provision step 530 may continue to be performed. If the match is rejected by the seller, the process may end.

Figure 8 is a flowchart of the product information provision step according to one embodiment.

The product information provision step 530 may include a product explanation invitation step 810, an investor re-confirmation step 820, and an investment information provision step 830.

In step 810, the server 120 may transmit a product description invitation to the first terminal 110. The product description invitation may include an online product (or investment) invitation message for the matched fund.

Here, the investor of the first terminal 110 may be one of the potential investors selected in the matching in step 520.

The first terminal 110 may output an online product (or investment) invitation message for the matched fund. For example, the online product invitation message suggests an explanation of the fund to the investor who is the user of the first terminal 110, such as “There is a fund that matches the interest conditions you registered. Would you like to hear the explanation?” It can be.

Transmission of product invitation descriptions, including online product (or investment) invitation messages, may constitute advertising transmission under Article 249-5 of the Capital Markets Act.

An investor who is a user of the first terminal 110 may select a response to the product description invitation. The response to the product description invitation may indicate either acceptance or rejection of the product description invitation. If the product description invitation is accepted by the investor, the investor re-confirmation step 820 may continue to be performed. If the invitation to explain the product is rejected by the investor, the procedure may be terminated.

In step 820, the server 120 may re-confirm the investor of the first terminal 110.

Re-confirmation of the investor may include re-confirming whether the investor of the first terminal 110 who accepted the product description invitation is a qualified investor for the fund.

Reconfirmation of investors may include confirmation of eligible investor conditions. Re-confirmation of eligible investor conditions can be implemented through a qualified investor verification questionnaire or a re-confirmation chatbot (chat-bot).

Reconfirmation to investors may include confirmation regarding restrictions on the fund. Restrictions on the fund may include limits on the number of people soliciting the fund. Limiting the number of solicitors may mean limiting the maximum number of investors on which the investment information provision step 830, which will be described later, can be performed.

Reconfirmation to investors may include confirmation regarding restrictions on the fund. Restrictions on the fund may include limits on the number of people soliciting the fund. Limiting the number of solicitors may mean limiting the maximum number of investors on which the investment information provision step 830, which will be described later, can be performed.

The server 120 may determine whether the investor, who is a user of the first terminal 110, is a qualified investor for the fund and whether the investor is subject to restrictions on the fund through re-confirmation of the investor. If it is determined that the investor is an eligible investor for the fund and does not subject to the restrictions for the fund, step 830 may continue to be performed. The process may be terminated if the investor is not determined to be an eligible investor for the fund or if the investor is subject to restrictions on the fund.

In step 830, the server 120 may provide investment information to the first terminal 110 of the investor determined to be a qualified investor. The server 120 may transmit investment information to the first terminal 110.

As the investment information is transmitted, the investor can check the investment information transmitted from the fund room or fund site created for the fund through the first terminal 110.

Investment information may include 1) an explanation video about the fund and 2) a core product description.

The video explaining the fund may include items that must be explained to consumers (i.e. investors) when selling the fund as described in the standard sales manual for collective investment securities. Items to be explained may include 1) to 14) below.

1) Name and type of fund

2) Fund management concept and method

3) Matters related to investment risk, such as the fact that the investment principal is not guaranteed

4) Structure and nature of the fund’s investment potential

5) Matters related to investment risk depending on the structure and nature of the fund in question

6) If there is an early repayment condition, its details

7) Matters regarding cancellation/termination of contract

8) Matters related to fund asset management method, management restrictions, and management strategy

9) Matters regarding fund redemption methods, redemption restrictions, redemption fees, and redemption postponement

10) Matters related to various remuneration, fees, expenses, and taxation of investment income borne by the investor or fund

11) Matters related to disclosure due to changes in major contents of the trust terms and conditions or the investment company’s articles of incorporation

12) Matters related to the general meeting of beneficiaries or general shareholders’ meeting

13) Investor's self-responsibility principle - Explains that investment in the fund is made at the investor's own judgment and responsibility.

14) Other laws and regulations or matters determined by the company

As the above items are provided in videos rather than documents, the explanation of the fund can be more easily understood by investors.

In one embodiment, an explanatory video about a fund may be mandatory viewing. Through interworking between the server 120 and the first terminal 110, the server 120 can determine whether an investor who is a user of the first terminal 110 has watched the explanation video through the first terminal 110. there is.

If the investor has not watched the explanation video, the contract conclusion step 540 may not be performed. That is, the contract conclusion step 540 may be performed only after the investor watches the explanation video.

In one embodiment, the explanatory video may be divided into essential parts (i.e., parts that must be explained mandatory) and optional parts.

An essential part may be a specific portion of an explainer video that is mandatory viewing.

The optional part may be the remaining part of the explanation video excluding essential parts. For example, the optional part may include a greeting, etc.

A specific part may mean a part that must be explained to investors and should not be skipped. For example, mandatory viewing may include items that must be explained to consumers (i.e. investors) when selling funds as explained in the standard sales manual for collective investment securities during an explanation video.

For example, when outputting an explanation video, the first terminal 110 may output a progress bar for the explanation video. The progress bar may indicate where the point of the currently playing explanation video corresponds to the overall content of the explanation video. At this time, the progress bar can be divided into essential parts and optional parts. For example, in a progress bar, different colors, shapes or forms may be used for essential and optional parts. Therefore, investors watching the explanation video can check which parts of the explanation video content are essential and which parts are optional, and can focus on watching the essential parts and watching the optional parts. You can skip the play.

Through interworking between the server 120 and the first terminal 110, the server 120 determines whether an investor who is a user of the first terminal 110 has watched a specific part of the explanation video through the first terminal 110. You can judge. If the investor has not watched certain portions of the explanation video, the contract conclusion step 540 may not be performed. That is, the contract conclusion step 540 may be performed only after the investor has viewed a specific portion of the explanatory video.

For example, the first terminal 110 may transmit to the server 120 a confirmation that the investor has viewed a specific part of the explanation. The server 120 may proceed to the next step after receiving confirmation that the investor has viewed a specific portion of the explanation.

Alternatively, the explainer video may be a specific portion of the overall video. In this case, the entire explanatory video may be considered an integral part described above. The rest of the entire video, excluding the explanation video, may be considered the aforementioned optional parts.

Explanatory videos can be produced using the audio and visuals of a computer program, or they can be produced using the voice and visuals of real people, such as employees.

For example, an explainer video may include subtitles for essential parts or items that must be explained to consumers (i.e. investors) when selling a fund.

For example, when an explanation video is played and items that need to be explained to consumers (i.e. investors) when selling a fund are explained, the part of the electronic contract document related to the above items may be output as subtitles or separate text. .

For example, a studio for video production such as YouTube may be provided by the operator of the server 120, and recording may be performed by the seller's employees.

Explanatory videos can also be provided in the form of live online briefing sessions, such as video meetings.

In one embodiment, core product descriptions may be subject to mandatory download. Through interworking between the server 120 and the first terminal 110, the server 120 determines whether the investor, who is a user of the first terminal 110, has downloaded the core product description through the first terminal 110. You can.

This mandatory download of core product descriptions may reflect the content of relevant laws that seek to correct cases where private equity funds were explained verbally by sellers without providing descriptions to investors.

Provision of investment information may include provision of messaging through messenger. Through the messenger window, a conversation including questions and responses related to the fund may be held between the seller, who is a user of the second terminal 130, and the investor, who is a user of the first terminal 110.

A message from a seller may be written by the seller, an employee of the seller, an operator of the server 120, or a chatbot operating on the server 120. Questions related to the fund may be generated by the seller, the seller's employees, or a chatbot. When the server 120 transmits a question related to the fund to the first terminal 110, the first terminal 110 can output the question related to the fund within the messenger. The first terminal 110 may transmit a response to the question entered by the investor to the server 120.

The server 120 can check whether the transmitted response is correct.

If the transmitted response is correct, the server 120 may consider that investment information about the fund has been explained to the investor. Other steps may proceed as the investment information is explained.

If the transmitted response is not correct, the server 120 may consider that investment information about the fund has not been explained to the investor. As investment information is not explained, step 830 may be repeated and the process may end.

Provision of investment information may include provision of video meetings. Through a video meeting, a conversation including questions and answers related to the fund can be held between the seller, who is a user of the second terminal 130, and the investor, who is a user of the first terminal 130.

Data on investment information, such as the aforementioned explanatory videos, key product descriptions, conversations in messenger windows, conversations and videos in video meetings, may be stored for a certain period of time. The specific period may be a predefined period such as 1 year or 10 years, or may be a period required by related laws, etc.

Figure 9 is a flowchart of a re-confirmation step for an investor according to an example.

The investor re-confirmation step (820) may include a confirmation step (910) for eligible investors and a confirmation step (920) for limiting the number of solicitors.

In step 910, the server 120 may determine whether the investor in the first terminal 110 is a qualified investor for the fund using a qualified investor confirmation screen or a chatbot.

The determination of whether an investor is a qualified investor may be based on checking the individual investor's eligibility information. Once the investor's individual eligibility information is confirmed, the investor may be determined to be a qualified investor. If an investor's individual eligibility information is not confirmed, the investor may be judged not to be a qualified investor.

In one embodiment, the server 120 may generate a qualified investor confirmation questionnaire to determine whether the investor meets the qualified investor conditions, and transmit the qualified investor confirmation questionnaire to the first terminal 110. An investor who is a user of the first terminal 110 may fill out a response to the qualified investor confirmation questionnaire through the first terminal 110. The first terminal 110 may transmit a response to the qualified investor confirmation questionnaire to the server 120.

In one embodiment, server 120 may create a chatbot and produce the content of the chatbot's conversation. The server 120 may transmit a question from the chatbot to the first terminal 110 to determine whether the investor meets the conditions for being a qualified investor. An investor who is a user of the first terminal 110 can write a response to the chatbot's question through the first terminal 110. The first terminal 110 may transmit a response to the chatbot's question to the server 120.

The questions of the qualified investor confirmation survey and chatbot may be to individually confirm the details of the eligible investor conditions pursuant to Article 249-4① of the Capital Markets Act for investors to whom a product description invitation has been sent and who have accepted the product description invitation.

Eligible investor conditions may correspond to the above-described eligible investor conditions. In one embodiment, the qualified investor terms may be the same as the qualified investor terms described above, and the descriptions of the qualified investor terms described above in an embodiment may also apply to the qualified investor terms.

For example, the qualified investor verification survey and chatbot's questions may be to re-conduct the investor survey described above to the matched investors.

In one embodiment, the description of the investor survey described above may also apply to each of the qualified investor verification survey and the chatbot's questions. That is, the contents of the investor survey and the contents of the qualified investor verification survey (or chatbot questions) may be the same or similar to each other, and one may include the other. In this respect, the investor survey in step 720 may be named a first survey, primary survey, or questionnaire, and the questions of the qualified investor confirmation survey or chatbot in step 820 may be called a second survey, secondary survey, or It can also be called a re-survey.

The server 120 may use the response to the qualified investor confirmation questionnaire and the response to the chatbot's question to determine whether the investor who is the user of the first terminal 110 is a qualified investor for the fund.

If the investor is determined to be an eligible investor for the fund, step 920 may continue. The process may be terminated if the investor is not determined to be an eligible investor for the fund.

In step 920, the server 120 may perform a check on the limit on the number of solicitors to the fund.

Confirmation of the limit on the number of solicitors may mean confirmation of the limit on the number of product descriptions for the fund.

The check on the limit on the number of solicitors in step 920 is optionally performed depending on whether the fund has a limit on the number of solicitors (i.e., a limit on the number of times investment information for the fund is provided) depending on the type of fund. It can be.

Step 920 may optionally be performed if the fund has limitations on the number of solicitors. Step 920 may not be performed if the fund does not have a limit on the number of solicitors.

In one embodiment, if the fund is a private equity fund, the number of investors in the fund may be limited pursuant to the Enforcement Decree of the Capital Markets Act. For example, general investors with a high need for investor protection may be limited to 49 or fewer. The total number of investors may be limited to 100 or less. Here, general investors may refer to investors included in the calculation of those subject to subscription recommendations. The person to whom subscription is recommended may refer to a potential investor to whom the product description invitation described in the embodiment has been sent. Total investors may include the above general investors and professional investors who are not institutional investors. Professional investors who are not institutional investors may be excluded from the calculation of those eligible for subscription recommendations.

That is, if the fund is a private equity fund, even if the investors who accepted the product description invitation in step 810 are reconfirmed as eligible investors for the fund, the number of solicitors through which the next investment information provision step 830 can proceed is limited. Accordingly, it may be necessary to determine whether step 830 will continue for the investor who is the user of the first terminal 110.

If the number of potential investors who accepted the invitation to explain the product is more than the already limited number of people (i.e., if the number of recommendation people to proceed with step 830 is more than the already limited number of recommendation people), the first terminal 110 Even though the investor, who is a user, has accepted the invitation to explain the product, step 830 may not be performed for the investor due to the limit on the number of invitations.

If the number of potential investors who accepted the product description invitation is less than the limited number (i.e., the number of solicitors for whom step 830 will proceed is less than the limited number of solicitors), the number of potential investors who accepted the product description invitation Step 830 may be performed for an investor who is a user of terminal 110.

10 is another flowchart of a fund provision method according to an example.

The fund provision method can be considered a fund information provision method.

The matching step 520 between investors and funds and the product information providing step 530 described above include an explanation request step 1010, an investment type confirmation step 1020, a suitable/recommended fund filtering step 1030, which will be explained in the embodiment. Explanation information provision step (1040), explanation information output step (1050), explanation information output recognition step (1060), fund information question step (1070), response step to fund information question (1080), and response confirmation step (1090). can be replaced with

In one embodiment, the matching step 520 between investors and funds described above may include an explanation request step 1010, an investment type confirmation step 1020, and a suitable/recommended fund filtering step 1030.

In one embodiment, the above-described product information providing step 530 includes a description information providing step 1040, a description information output step 1050, a description information output recognition step 1060, a fund information query step 1070, and a fund information step. It may include a question response step (1080) and a response confirmation step (1090). At this time, the product description invitation step 810 and the investor re-confirmation step 820 of the product information provision step 530 may be omitted. In this respect, the investment information provision step 830 includes the explanation information provision step 1040, the explanation information output step 1050, the explanation information output recognition step 1060, the fund information question step 1070, and the fund information question step 1040. It may be understood as including a response step 1080 and a response confirmation step 1090.

In step 1010, an investor who is a user of the first terminal 110 may transmit an explanation request to the server 120. Here, the request for explanation may be a request for recommendation of a suitable (or recommended) fund for the investor among funds registered in the server 120.

Additionally, in step 1010, the investor can consult with an expert through the first terminal 110. Consultation with experts may be provided to investors through the first terminal 110. At this time, in consultation, connection with the fund seller, who is the user of the second terminal 130, may be essential.

In step 1020, the server 120 may confirm the investor's investment type upon receiving an explanation request from the investor.

The server 120 may transmit a request for investment type information indicating the investor's investment type to the first terminal 110 and receive a response from the first terminal 110 to the request for investment type information.

Here, the investment type information may be the suitable investor conditions described above. A request for investment type information may be the investor survey described above. The response to the investment type information may be a response to the investor survey described above. Redundant explanations are omitted.

Furthermore, the description of step 720 can also be applied to step 1020. However, step 1020 can be distinguished from step 720 in that a request for explanation from the investor is essentially required.

In step 1030, the server 120 may perform filtering of suitable (or recommended) funds according to the results of confirmation of the investment type.

Here, suitable fund filtering may be selecting a suitable fund that matches the investor's investment type among funds registered in the server 120.

The fund of the seller of the second terminal 130 may be selected as a suitable fund for the investor.

The description of step 730 can also be applied to step 1030. The server 120 can check the sellers and registered funds registered on the server 120, and select a suitable fund that matches the investor's investment type from among the registered funds of the registered sellers.

In step 1040, the server 120 may transmit explanation information for the explanation request to the first terminal 110. The description information may be investment information described with reference to step 830.

In step 1050, the first terminal 110 may output description information.

As described above with respect to investment information, the explanatory information may include an explanatory video about the fund. The explanation video can be played and ended in the first terminal 110.

As the contents of the explanation video are played, the fund may be explained to the investor who is the user of the first terminal 110.

When the explanation video is played, a conversation such as question and answer between the investor and the seller (or the operator of the server 120) may be provided through a chatbot.

In one embodiment, when the explanation video is played, the first terminal 110 may transmit the investor's question to the server 120. The server 120 may transmit a response to the investor's question, a response schedule, and/or a response method, etc. to the first terminal 110.

Alternatively, the server 120 may provide a phone or video call between the investor and the seller while watching the explanation video in conjunction with the seller's calendar, and may schedule the phone or video call.

In step 1060, the server 120 may recognize the play and end of the explanation video as it receives information indicating play of the explanation video and information indicating the end of play from the first terminal 110.

When the server 120 recognizes the play and termination of the explanation video in the first terminal 110, in step 1070, the server 120 may generate a fund information question for the chatbot.

The chatbot's fund information question may be a question related to the fund generated by the chatbot described in step 830.

The server 120 may transmit the chatbot's fund information question to the first terminal 110.

In step 1080, the first terminal 110 may transmit a response to the fund information question entered by the investor to the server 120.

The response to the fund information question may be a response to the question described in step 830.

In step 1090, the server 120 may check whether the response to the fund information question is correct.

If the transmitted response is correct, the server 120 may consider that investment information about the fund has been explained to the investor or that the investor has understood the investment information about the fund. Other steps may proceed as the investment information is explained.

If the transmitted response is not correct, the server 120 may consider that the investment information about the fund was not explained to the investor or that the investor did not understand the investment information about the fund. As investment information is not described, at least a portion of steps 1040, 1050, 1060, 1070, 1080, and 1090 or steps 1070, 1080, and 1090 may be repeated, and the procedure may be terminated.

Through the above-mentioned steps (1010 to 1090), the sale of the fund can be systematically made impossible to investors with investment propensities that do not suit the risk level of the fund, and an explanation of the items that must be necessarily explained in relation to the fund. Cases where this is omitted can be prevented in advance.

Depending on the embodiment, at least part of steps 1020 to 1090 may be replaced with consultation with an expert. Consultations with experts can be done through a combination of one or more of the following: apps, messengers, video calls, and landline calls. Steps 1020 to 1090 and consultation with experts may be procedures for satisfying the obligation to explain under the Financial Consumer Protection Act.

The entire communication record, such as explanation videos, information, surveys, questions, responses, confirmations, and messages described in the embodiments, may be stored in the server 120. The communication record may include all information transmitted between the first terminal 110, the server 120, and the second terminal 130. Additionally, the communication record may include confirmation of specific processing that occurred in the first terminal 110, the server 120, and the second terminal 130.

Since the server 120 can be neutral with respect to investors and sellers, storing the entire communication record in the server 120 can prevent the storage of evidence favorable to investors or sellers.

These communication records can be stored in the server 120 as a library, and if necessary, this library can be viewed by the user of the first terminal 110, the operator of the server 120, and the user of the second terminal 130. You can.

Figure 11 shows questions and responses to questions by another chatbot in an example.

In FIG. 11 , a first terminal 110 is shown, and a video 1110, a question 1120, and a response 1130 output on the display 113 of the first terminal 120 are shown.

Video 1110 may indicate that play of the explanation video has ended.

Question 1120 may represent a fund information question generated by the chatbot. Fund information questions may include guidance messages. The information message may include 1) a message indicating that viewing of the fund explanation video has ended and 2) a message requesting a response to a fund information question.

Response 1130 may represent a response to a fund information question selected by the user of the first terminal 110.

Figure 12 shows a report on fund management according to an example.

In reporting on fund operation, the server 120 may provide a report card for the fund using public information of the Financial Investment Association to both the investor's first terminal 110 and the seller's second terminal 130. there is. The server 120 can utilize the information disclosed by the Financial Investment Association using Open API provided by the Financial Investment Association.

The report card for a fund may indicate the fund's performance performance. A fund's return performance may be a relative performance compared to other funds.

For example, the other funds may be of the same type as the investor and seller's fund. The type of fund may be domestic stock.

In reporting on the management of the funds described above, the different funds compared may be selected based on other characteristics of the funds described above in addition to the type of fund.

For example, as illustrated in FIG. 12, other funds may be funds with the same risk level as the fund's risk level (i.e., risk-taking level). In other words, the report card for the fund can compare the returns among funds with the same risk, including the investor's fund. Here, the risk of the fund can be classified like the items of the investor's investment propensity described above. In Figure 12, a comparison of returns between funds with a “stability-seeking” list taking level is illustrated.

Investment is based on the principle of high risk and high return, so comparing returns within the same level of risk can be meaningful information.

The server 120 can collect data on the risk of each fund from public information about the fund using Open API, etc. The server 120 can use this data to generate information comparing the returns of funds at the same risk level, and can use this information to generate a report card for the fund.

2-step fund consultation

As described above in the embodiments, the investor may consult with an expert through the first terminal 110.

Here, the consultation may be divided into two sessions and performed.

Counseling may include primary counseling and secondary counseling.

The first consultation may include consultation on 1) to 5) below.

1) Identify consumer (i.e. investor) needs

2) Classification of consumer (i.e. investor) investment types

3) Description of considerations when selecting a fund

4) Description of fund market trends

5) Description of product recommendation logic and strategy

If an investor's request for explanation is performed after the first consultation, a second consultation may be performed.

In one embodiment, the secondary consultation may include providing investment information in step 830 or providing explanatory information in step 1040. The investor's request for explanation may refer to the request for explanation in step 1010.

The second consultation includes specific product descriptions for the funds and may include explanations of items that must be explained to consumers in the standard manual of each fund.

Through these consultations, 1) a system is implemented in which consumers (investors) are better known and appropriate products are recommended, and 2) the problem of requiring a long time to explain a product while satisfying the explanation obligation under the Financial Consumer Protection Act can be resolved (achieving consumer understanding and product explanation at the same time may be inefficient), and 3) if the consumer is satisfied with the consultation after receiving the first consultation, he or she can request a product explanation, thus complying with the regulations prohibiting uninvited solicitation. The quality of service can be improved.

The following exemplary effects can be obtained according to the fund provision method described in the embodiments:

- A balance can be maintained between the input that the seller must input (i.e., workload) and the output (i.e., performance) through which the investor's investment decision is made.

- The seller's workload can be reduced through matching between investors and sellers, advertising, chatbots, automatic post-contract management and folder management, etc.

- A new investor pool can be secured in addition to investors on the existing network. For example, the growing MZ generation of general eligible investors can be secured as new investors.

- Easy-to-understand and reliable investment opportunities can be provided through the Two Way Market (TWM) process, which automatically ensures consumer protection while following laws and regulations such as capital market laws.

In the above-described embodiments, the methods are described based on flowcharts as a series of steps or units, but the present invention is not limited to the order of steps, and some steps may occur in a different order or simultaneously with other steps as described above. You can. Additionally, a person of ordinary skill in the art will recognize that the steps shown in the flowchart are not exclusive and that other steps may be included or one or more steps in the flowchart may be deleted without affecting the scope of the present invention. You will understand.

The above-described embodiments include examples of various aspects. Although not all possible combinations for representing the various aspects can be described, those skilled in the art will recognize that other combinations are possible in addition to those explicitly described. Accordingly, the present invention is intended to include all other substitutions, modifications and changes falling within the scope of the following claims.

Embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable by those skilled in the computer software field.

A computer-readable recording medium may contain information used in embodiments according to the present invention. For example, a computer-readable recording medium may include a bitstream, and the bitstream may include information described in embodiments according to the present invention.

Computer-readable recording media may include non-transitory computer-readable medium.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specifically configured to store and perform program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include not only machine language code such as that created by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The above hardware devices may be configured to operate as one or more software modules to perform processing according to the invention and vice versa.

In the above, the present invention has been described with specific details such as specific components and limited embodiments and drawings, but this is only provided to facilitate a more general understanding of the present invention, and the present invention is not limited to the above embodiments. No, those skilled in the art can make various modifications and changes based on this description.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and the scope of the patent claims described later as well as all modifications equivalent to or equivalent to the scope of the claims shall fall within the scope of the spirit of the present invention. It will be said that it belongs.

110: first terminal
120: server
130: second terminal

Claims (20)

delete delete delete delete delete delete delete delete delete delete delete delete delete delete performed by the investor's terminal,
sending a description request to a server;
Receiving explanation information for the explanation request from the server; and
Outputting the description information to the terminal
Including,
The request for explanation is a request for recommendation of a fund among funds registered on the server,
The explanatory information includes an explanatory video for the fund,
The explanatory video includes items that must be explained to the investor when selling the fund,
The terminal transmits information indicating the play of the explanation video and information indicating the end of the play to the server,
The terminal receives a fund information question from the server,
The terminal transmits a response to the fund information question to the server,
The explanation video includes essential and optional parts,
The essential part is a specific part of the explanation video that cannot be skipped,
When the explanation video is played on the terminal, a progress bar for the explanation video is output on the terminal,
The progress bar indicates where the point of the explanation video currently being played corresponds to the overall content of the explanation video,
A method of providing fund information where the progress bar is divided into the essential part and the optional part. A computer-readable recording medium containing a program that performs the fund information provision method of paragraph 15. delete delete delete delete

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