KR102694316B1 - Method and apparatus for matching investment using demand deposit through online - Google Patents

Abstract

A method and device for performing an investment matching method using demand deposits are disclosed. The device for performing the investment matching method using demand deposits may include an investor registration unit that registers a plurality of investors in advance by linking with investor terminals; an investment demand company management unit that manages investment conditions according to investment requests from investment demand companies; an investor selection unit that determines investors for the investment demand companies among the registered investors; a remittance processing unit that transmits a remittance request message requesting remittance of investment funds from a demand deposit account of the determined investor to a financial server; and a profit settlement unit that receives profit details from the financial server and transmits a remittance request message requesting remittance of profits to the investor's demand deposit account according to the received profit details to the financial server.

Description

METHOD AND APPARATUS FOR MATCHING INVESTMENT USING DEMAND DEPOSIT THROUGH ONLINE

The present invention relates to a method and device for matching investment funds, and more specifically, to a method and device for matching investment funds using demand deposits online.

As information and communication technology (ICT) is rapidly spreading, so-called fintech services that incorporate ICT are being actively used in the financial sector. For example, traditional financial institutions such as banks are using mobile applications to support real-time balance management and easy remittance of all accounts.

Recently, with the influx of fintech companies such as Kakao and Toss into the financial market, which was previously limited to banks, they are providing integrated services such as credit card usage history management, discount coupon management, and point accumulation using advanced fintech technologies, allowing many users to conveniently use financial services.

In particular, some fintech companies offer various investment products online and support users to directly invest a portion of their remaining funds in the offered investment products.

However, in this case, since each individual investor must bear the investment risk of each investment product, it is difficult to easily decide to invest and there is a problem that it is not easy to recover the investment amount.

In addition, financial institutions that provide funds usually use corporate bonds, accounts receivable, etc. to raise investment funds, but since the investment funds raised in this way do not necessarily match the borrowing company's demand for funds, there are inefficiencies in interest rate risk and idle fund management.

Meanwhile, a demand deposit is a deposit that can be paid out at any time upon the depositor's request, has liquidity similar to cash, and can also be referred to as a currency deposit, regular deposit, free deposit, separate deposit, or current deposit.

These demand deposits are widely used by users who want to minimize investment risk by managing their cash assets stably. However, there is a problem that users have difficulty putting large amounts of money in demand deposits and using them due to the low deposit returns. In addition, since financial institutions must pay users the funds according to the demand deposit at any time, it is difficult to easily convert the funds stored in demand deposits into investment funds.

The purpose of the present invention to solve the above problems is to provide a new type of investment matching method and device that can provide users with high returns through investment while maintaining the advantage of demand deposits, which is the ability to deposit and withdraw funds at any time, by utilizing fintech.

In addition, as a demand company receiving investment funds, it can secure funds in real time and reduce investment fund raising costs, thereby reducing fund management risks.

In addition, since it is possible to raise large amounts of funds by utilizing demand deposits and multiple investors, avoiding the burden of high interest rates that usually arise when raising large amounts of funds, there is an advantage for demand companies to be able to raise investment funds at relatively lower interest rates than with conventional methods.

In addition, since fintech technology enables new investment fund raising businesses utilizing demand deposits, it can provide a new revenue model for companies that mediate investment fund matching according to investment fund requests.

One aspect of the present invention to achieve the above object provides a device for performing an investment matching method using demand deposits.

A device for performing the investment matching method using the above demand deposit may include an investor registration unit that registers a number of investors in advance by linking with investor terminals; an investment demand company management unit that manages investment conditions according to investment demand company investment demand requests; an investor selection unit that determines an investor for the investment demand company among the registered investors; a remittance processing unit that transmits a remittance request message requesting remittance of investment funds from a demand deposit account of the determined investor to a financial server; and a profit settlement unit that receives profit details from the financial server and transmits a remittance request message requesting remittance of profits to the investor's demand deposit account according to the received profit details to the financial server.

The above investor registration unit can receive investor information corresponding to each investor from the investor terminals and verify the received investor information.

The above investor information may include at least one of the account number and deposit amount for each demand deposit account of the above investors, the investor's name, the investor's resident registration number, the desired rate of return (or interest), the desired investment period, and whether early withdrawal is permitted.

The above investment conditions may indicate at least one of the total amount of investment, the rate of return available, and the investment repayment period.

The above investor selection unit may include an investment offer unit that selects at least one candidate investor from among registered investors using the investor information and the investment conditions, and transmits an offer message to the investor terminal of the selected candidate investor.

The above investor selection unit may further include a subsequent investor selection unit that receives a withdrawal request for a demand deposit account from at least one investor terminal among the investors who provided funds, and selects a subsequent investor to replace the investor according to the withdrawal request from among the registered investors.

When utilizing the investment matching method and device according to the present invention as described above, by utilizing fintech, it is possible to provide users with high returns through investment while maintaining the advantage of demand deposits, which is the ability to deposit and withdraw funds at any time.

Figure 1 is a schematic diagram showing an environment in which an investment matching method using demand deposits online is performed according to one embodiment of the present invention.
Figure 2 is a block diagram showing the functional components of the investment matching server according to Figure 1.
Figure 3 is a drawing exemplifying an offer message provided by the investment offer section according to Figure 2.
Figure 4 is an exemplary drawing specifically explaining the operation of the follow-up investor selection unit according to Figure 2.
Figure 5 is an exemplary diagram for explaining the operation of the remittance processing unit according to Figure 2.
FIG. 6 is a diagram exemplarily illustrating a hardware configuration of an investment matching server according to one embodiment.

The present invention can have various modifications and various embodiments, and specific embodiments are 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, but should be understood to include all modifications, equivalents, or substitutes included in the spirit and technical scope of the present invention. In describing each drawing, similar reference numerals are used for similar components.

The terms first, second, A, B, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are only used to distinguish one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and similarly, the second component may also be referred to as the first component. The term and/or includes any combination of a plurality of related described items or any item among a plurality of related described items.

When it is said that a component is "connected" or "connected" to another component, it should be understood that it may be directly connected or connected to that other component, but that there may be other components in between. On the other hand, when it is said that a component is "directly connected" or "directly connected" to another component, it should be understood that there are no other components in between.

The terminology used in this application is only used to describe specific embodiments and is not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly indicates otherwise. In this application, it should be understood that the terms "comprises" or "has" and the like are intended to specify the presence of a feature, number, step, operation, component, part or combination thereof described in the specification, but do not exclude in advance the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms defined in commonly used dictionaries, such as those defined in common dictionaries, should be interpreted as having a meaning consistent with the meaning they have in the context of the relevant art, and shall not be interpreted in an idealized or overly formal sense, unless expressly defined in this application.

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

Figure 1 is a schematic diagram showing an environment in which an investment matching method using demand deposits online is performed according to one embodiment of the present invention.

Referring to FIG. 1, the investment matching method using demand deposits can be performed by a device (100) for performing the investment matching method using demand deposits, and the device (100) for performing the investment matching method using demand deposits may be abbreviated as an investment matching server (100) for the convenience of explanation below.

The investment matching server (100) can operate in conjunction with the operation server (400) of the investment demand company, the investor terminal (200), and the financial server (300) using a wired or wireless network.

The operation server (400) of the investment fund demand company is a server operated by a demand company that has a demand for investment funds, and can request investment funds from the investment fund matching server (100) and receive investment funds from a financial server (300) of a financial institution linked to the investment fund matching server (100).

The financial server (300) may be a server that manages the deposit and withdrawal details of demand deposit accounts owned and opened by each investor at various banks and performs remittance (or transfer) or deposit and withdrawal. In other words, the financial server (300) may be an operating server of a financial institution such as a bank. The financial server (300) may perform remittance (or transfer) of a free deposit and withdrawal account opened by an investor at an investor terminal (200) in advance by linking with the investment matching server (100).

The investor terminal (200) is a wireless communication terminal owned or actually used by each individual investor, and an application implemented to be able to link with the investment matching server (100) may be pre-installed. Hereinafter, the operation of the investor terminal (200) may be understood as the operation of the application pre-installed in this way.

Examples of investor terminals (200) may include a desktop computer, a laptop computer, a notebook, a smart phone, a tablet PC, a mobile phone, a smart watch, a smart glass, an e-book reader, a portable multimedia player (PMP), a portable game console, a navigation device, a digital camera, a digital multimedia broadcasting (DMB) player, a digital audio recorder, a digital audio player, a digital video recorder, a digital video player, a PDA (Personal Digital Assistant), etc.

The investment matching server (100) receives and manages in real time the deposit and withdrawal details of demand deposit accounts owned by each investor from the financial server (300) by affiliating with the operator (i.e., bank) of the financial server (300) in advance, and requests remittance or deposit/withdrawal to the financial server (300) so that remittance or deposit/withdrawal of demand deposit accounts owned by each investor can be performed through the financial server (300).

For example, the investment matching server (100) may be an operating server of Kakao, Toss, Banksalad, or various credit card companies that perform various fintech businesses in conjunction with banks.

The investment matching server (100) can register investors in advance by linking with investor terminals (200). For example, each investor can access the investment matching server (100) using his or her own investor terminal (200) to complete membership registration and investor registration procedures, and the investment matching server (100) can register each investor by creating investor information for each investor who has completed the approval procedure for membership registration and investor registration procedures and storing it in a database.

In the investor registration procedure, the investor terminal (200) provides investor information to the investment matching server (100), and the investment matching server (100) can perform verification on the provided investor information to register the investor of the investor terminal (200).

For example, investor information may include the account number and deposit amount of the investor's demand deposit account, the investor's name, the investor's resident registration number, the desired rate of return (or interest), the desired investment period, whether or not to allow early withdrawal, etc. Here, whether or not to allow early withdrawal may indicate whether or not the investor is allowed to withdraw at least a portion of the amount deposited in his or her demand deposit account after the investment has been made. In the case of an investor who has checked whether or not early withdrawal is allowed in the early withdrawal allowance, withdrawal may be made from the demand deposit in which the investment has been made, and in the case of an investor who has checked whether or not early withdrawal is allowed, withdrawal may not be made from the demand deposit in which the investment has been made. However, whether or not to allow early withdrawal is not necessarily determined by receiving it as one of the investor information from the investor, and may be set in advance by the investment matching server (100) for each individual investor to allow or disallow withdrawal after the investment has been made, as needed.

The investment matching server (100) can receive a request message requesting investment funds from the operation server (400). Here, the request message can include the number of investment cases and investment conditions corresponding to each investment case, and the investment conditions can indicate at least one of the total amount of investment funds, the available rate of return (or interest), and the investment repayment period. That is, the operation server (400) can individually present investment conditions for multiple investment cases and match investors for each investment case to procure investment funds. In the case of matching investors for each investment case, there is less concern about idle funds and less risk of loss due to interest rate differences compared to the case where investment funds are procured by recruiting investors for the total investment amount. In particular, it can be useful when the demand company is a card company that operates a loan product for each case on its own.

The investment matching server (100) may select at least one of the pre-registered investors as a candidate investor using investor information and investment conditions for each investment case, and may transmit an offer message presenting investment conditions to the investor terminal (200) of the selected candidate investor.

That is, in one embodiment of the present invention, unlike the current investment method in which the investor selects the demand company in which he or she will invest, the investment matching server (100) selects, on behalf of the demand company, an investor who is advantageous in receiving investment funds as a candidate investor by considering the investor information and investment conditions and transmits the investor as a push message. That is, since the candidate investor is selected in a kind of reverse auction method in which the demand company selects the investor who best matches its investment fund usage and investment return rate, it is advantageous in receiving investment funds from investors who match the needs and conditions of the investment demander.

The investor terminal (200) of a candidate investor who has received a push message can transmit an approval message allowing investment conditions and remittance of investment funds to the investment matching server (100) based on input from the candidate investor.

The investment matching server (100) can determine a candidate investor of the investor terminal (200) that transmitted the approval message as an investor and transmit a remittance request message requesting remittance of the investment from the demand deposit account of the determined investor to the financial server (300).

The financial server (300) may perform a procedure of withdrawing the investment amount from the investor's demand deposit account and depositing it into the account of the investment demand company according to the remittance request message. For example, the financial server (300) may withdraw the investment amount from the investor's demand deposit account, transfer it to an account designated by the investment matching server (100), and then deposit the investment amount from the transferred account into the account of the investment demand company. Here, the account designated by the investment matching server (100) may be an account managed by the same bank as the account of the investment demand company (i.e., an account that can be transferred without a transfer fee and managed by the operating company of the investment matching server (100).

Meanwhile, a company requesting investment funds can deposit profits (or interest) according to the investment funds into an account designated by the investment matching server (100), and the financial server (300) can provide details of the deposited profits to the investment matching server (100).

The investment matching server (100) transmits a remittance request message requesting remittance of profits to the investor's demand deposit account by referring to the profit details to the financial server (300), and the financial server (300) can process the remittance of profits to the investor's demand deposit account.

In this way, the investment matching server (100) according to one embodiment of the present invention mediates between companies in demand for investment funds and investors so that investors who have opened demand deposit accounts can invest in the amount deposited in the demand deposit accounts, thereby providing investors with high investment returns through demand deposit accounts and also enabling companies in demand for investment funds to attract investment funds at a relatively lower interest rate than before.

Below, the operation of the investment matching server (100) is described in detail with reference to each drawing.

Fig. 2 is a block diagram showing the functional configuration of the investment matching server according to Fig. 1. Fig. 3 is a diagram showing an example of an offer message provided by the investment offer section according to Fig. 2.

Referring to FIG. 2, the investment matching server (100) may include an investor registration department (101), an investment demand company management department (102), an investor selection department (103), a remittance processing department (104), and a profit settlement department (105).

The investor registration unit (101) can register a number of investors in advance by linking with investor terminals (200). Specifically, the investor registration unit (101) can verify investor information provided from each investor terminal (200) and register investors of the investor terminal (200) that provided verified investor information.

The investment demand company management unit (102) can manage investment conditions according to investment requests from investment demand companies. In one embodiment, the investment demand company management unit (102) can receive a request message requesting investment from the operation server (400) of the investment demand company, and determine whether to invest in the investment demand company by using the number of investment cases included in the received request message and the investment conditions corresponding to each investment case.

For example, the investment demand company management department (102) can decide whether to invest by sending a condition change message requesting a change in at least a portion of the total amount of investment funds, the available rate of return (or interest), and the investment repayment period indicated in the investment conditions to the operation server (400) and receiving an approval message for the condition change message from the operation server (400).

That is, the investment demand company management department (102) can communicate with the operation server (400) to transmit a condition change message so that it can negotiate with the investment demand company to lower the total amount of investment or increase the rate of return.

The investor selection department (103) can determine investors for investment fund demand companies among registered investors in which the investment fund demand company management department (102) has decided to invest.

More specifically, the investor selection unit (103) may include an investment offer unit (103a) that selects at least one candidate investor from among registered investors using investor information and investment conditions for each investment case and transmits an offer message to the investor terminal (200) of the selected candidate investor.

The investment offer section (103a) can select a candidate investor by comparing at least one of the total investment amount, the available rate of return, and the investment repayment period indicated in the investment conditions with at least one of the average balance, desired rate of return, and desired investment period for each demand deposit account of registered investors. Here, the average balance can be obtained by collecting the deposit amount included in the investor information in real time and calculating it, or by receiving it from the financial server (300).

For example, the investment offer section (103a) may select as a candidate investor an investor whose available rate of return exceeds the desired rate of return and whose investment repayment period is shorter than the desired investment period.

In addition, the investment offer unit (103A) may select investors with an average balance exceeding a critical average balance as candidate investors. For example, the critical average balance may be determined as a larger value (or a value proportional to the total amount of investment) as the total amount of investment is larger, and the higher the average balance, the higher the ranking of the candidate investor may be set.

Meanwhile, the average balance may be the average of the deposit amount from the present time to a past time that is proportional to either the investment repayment period or the desired investment period, and more specifically, may be the average of the deposit amount up to a past time that is set equal to the investment repayment period or the desired investment period.

Optionally, the process of selecting candidate investors by considering the above average balance may be performed when the available rate of return exceeds the desired rate of return and the number of investors whose investment repayment period is shorter than the desired investment period is greater than a preset threshold number of investors.

At this time, the number of critical investors can be determined as the number of investors when the sum of the deposits in demand deposit accounts of investors whose available rate of return exceeds the desired rate of return and whose investment repayment period is shorter than the desired investment period exceeds the total amount of investment and the preset buffer investment amount. The buffer investment amount is a buffer amount set in case a candidate investor rejects approval for investment, and can be determined based on a statistically calculated rejection rate for candidate investors.

In addition, the investment offer section (103A) may select investors whose available rate of return exceeds the desired rate of return and whose investment repayment period is longer than the desired investment period as candidate investors. In other words, since existing investors can be replaced by subsequent investors even if the investment repayment period is longer than the desired investment period, it may be possible to configure it so that investors are selected as candidate investors if only the desired rate of return is exceeded.

Referring to FIG. 3, the investor terminal (200) that has received the offer message can display to the candidate investor at least a portion of the total amount of investment indicated in the investment conditions, the available rate of return (or interest), and the investment repayment period (i.e., the expected investment rate of return, investment period = investment repayment period) and investor information (account number, account balance, etc.).

At this time, when a candidate investor provides an input indicating approval for the investment conditions (for example, an input selecting a 'yes' answer to the reservation remittance as in FIG. 3) to the investor terminal (200), the investor terminal (200) can transmit an approval message permitting the investment conditions and remittance of the investment funds to the investment offer unit (103a).

The investment offer unit (103a) can determine a candidate investor based on the investor terminal (200) that transmitted the approval message as an investor for the company requesting investment funds.

Meanwhile, the investor selection unit (103) may further include a subsequent investor selection unit (103b) that receives a withdrawal request for its demand deposit from at least one investor terminal (200) among the investors who provided investment funds, and selects a subsequent investor to replace the investor who requested the withdrawal from among the registered investors.

That is, in order to maintain the regular withdrawal function according to the demand deposit, if at least one of the investors who provided investment funds wishes to withdraw at least a portion of his/her deposit, the subsequent investor selection unit (103b) can select the 1st to nth (n is a natural number greater than or equal to 2) subsequent investors who will provide investment funds corresponding to the withdrawal amount to the investor who wishes to withdraw.

For example, the subsequent investor selection unit (103b) may receive a withdrawal request for its demand deposit from at least one investor terminal (200) among the investors who provided investment funds, and select a first subsequent investor to replace the investor who requested the withdrawal from among the registered investors.

In the same manner, the subsequent investor selection unit (103b) may receive a withdrawal request for its demand deposit from at least one investor terminal (200) among the i-th subsequent investors who provided investment funds, and select an i+1 (i+1 is a natural number such as n) subsequent investor to replace the i-th subsequent investor according to the withdrawal request from among the registered investors.

In this way, the subsequent investor selection unit (103b) can continuously select subsequent investors of the investors or subsequent investors until the investment period expires so as to provide a permanent withdrawal function not only to the initial investor but also to some of the investors or subsequent investors who can replace the initial investor.

At this time, the subsequent investor selection unit (103b) may or may not operate by referring to the investor information of the investor of the investor terminal (200) that received the withdrawal request. For example, the subsequent investor selection unit (103b) may operate only when the permission for intermediate withdrawal is checked as 'allowed' by referring to the investor information of the investor of the investor terminal (200) that received the withdrawal request.

In addition, the subsequent investor selection unit (103b) may select an affiliated bank as a subsequent investor to replace the investor according to the withdrawal request, instead of the registered investors. In this case, the subsequent investor selection unit (103b) may link with the financial server (300) to check whether the affiliated bank will pay the investment amount on behalf of the subsequent investor, and if the affiliated bank is determined to pay the investment amount on behalf of the subsequent investor (or if the administrator has set the affiliated bank to be selected as the subsequent investor in advance), the affiliated bank may be selected as the subsequent investor.

In addition, the subsequent investor selection unit (103b) may select an investor designated by an affiliated bank instead of a registered investor as a subsequent investor to replace the investor according to the withdrawal request. In this case, the subsequent investor selection unit (103b) may request information on the investor designated by the affiliated bank in conjunction with the financial server (300), receive information on the designated investor, and select the subsequent investor based on the received information.

In addition, the follow-up investor selection unit (103b) may select an investment demand company as a follow-up investor to replace the investor who has requested a withdrawal, instead of the registered investors. In this case, the follow-up investor selection unit (103b) may link with the operation server (400) to check whether the investment demand company will pay the investment money as a follow-up investor, and if the investment demand company is determined to pay the investment money on behalf of the investor (or if the administrator has set an affiliated bank to be selected as a follow-up investor in advance), the investment demand company may be selected as a follow-up investor. Here, the meaning that the investment demand company is selected as a follow-up investor may also be interpreted to mean that the investment demand company gives up an amount of investment money equivalent to the withdrawal amount and directly returns the investment money equivalent to the withdrawal amount to the investor who requested the withdrawal.

In addition, the follow-up investor selection unit (103b) may select the operator of the investment matching server (100) as a follow-up investor to replace the investor in response to the withdrawal request, instead of the registered investors. In other words, when a withdrawal request occurs, the operator may return the investment in an amount equivalent to the withdrawal amount.

The remittance processing unit (104) can transmit a remittance request message requesting remittance of investment funds from the demand deposit of the determined investor to the financial server (300). Accordingly, the financial server (300) can deposit the investment funds from the investor's demand deposit account to the company requesting the investment funds and proceed with actual execution of the investment funds.

At this time, if a subsequent investor is selected to replace the determined investor, the remittance processing unit (104) may transmit a remittance request message to the financial server (300) requesting that an investment amount equivalent to the investor's withdrawal amount be remitted from the subsequent investor's demand deposit to the investor's demand deposit account.

In other words, since the demand deposit account of the subsequent investor is processed to deposit the withdrawal amount of the existing investor to be replaced into the demand deposit account of the existing investor, the investment of the subsequent investor can be processed as executed simply by processing a remittance between the investor's demand deposit account and the demand deposit account of the subsequent investor who will replace the investor without having to retrieve the investment money from the demanding company.

The proceeds settlement unit (105) may receive proceeds details from the financial server (300) and, based on the received proceeds details, transmit a remittance request message to the financial server (300) requesting that proceeds be remitted to the demand deposit account of the investor or subsequent investor. Here, the proceeds details may include deposit details deposited into a designated account of the financial server (300) (an account owned by the operator of the investor matching server (100)).

At this time, if a subsequent investor (2nd to nth subsequent investor) replacing an existing investor is selected by the subsequent investor selection unit (103b), the profit settlement unit (105) may request the financial server (300) to settle the profits up to the withdrawal time of the existing investor and transfer them to the demand deposit account of the existing investor, and may set a starting point for profit settlement of the subsequent investor.

Figure 4 is an exemplary drawing specifically explaining the operation of the follow-up investor selection unit according to Figure 2.

Referring to FIG. 4, the subsequent investor selection unit (103b) may, when receiving a withdrawal request from the investor terminal (210) of the first investor among the investors who provided investment funds, select a first subsequent investor among the registered investors to replace the first investor who responded to the withdrawal request so that the permanent withdrawal function according to the demand deposit can be maintained.

Specifically, the follow-up investor selection unit (103b) may determine, among the registered investors, an investor whose available rate of return exceeds the desired rate of return and whose investment repayment period is shorter than the desired investment period as the first candidate follow-up investor to replace the first investor.

In addition, the subsequent investor selection department (103b) may, among the registered investors, determine an investor whose available rate of return exceeds the desired rate of return as the first candidate subsequent investor to replace the first investor, even if the investment repayment period is longer than the desired investment period.

In addition, the follow-up investor selection unit (103b) can determine an investor with an average balance exceeding the threshold average balance as a first candidate follow-up investor.

In addition, when the subsequent investor selection unit (103b) receives a withdrawal request from the investor terminal (210) of the first investor among the investors who provided the investment funds, it can determine an investor who has the same bank account as the first investor among the registered investors as the first candidate subsequent investor. In this way, when selecting the subsequent investor as an investor who has the same bank account as the first investor, it has the advantage of being able to return the investment funds from the subsequent investor's demand deposit account to the first investor's demand deposit account without a fee burden by way of a remittance. At this time, whether or not the subsequent investor has the same bank account as the first investor can be applied with the highest priority as a criterion for selecting the subsequent investor.

That is, the criteria for selecting a follow-up investor may be applied in the same manner as the aforementioned investor selection criteria, but the investor in the next rank after the first investor may be determined as the first candidate follow-up investor based on the rank of investors selected in the previous investment offer section (103a). In addition, the investor with the most similar investor information (e.g., desired rate of return, desired investment period, average balance) to the investor who requested withdrawal may be determined as the first candidate follow-up investor.

When the first candidate follow-up investor is decided, the follow-up investor selection unit (103b) can send an offer message to the investor terminal (220) of the selected first candidate follow-up investor and receive an approval message for the investment conditions included in the offer message from the investor terminal (220) of the first candidate follow-up investor.

The follow-up investor selection unit (103b) can determine the first candidate follow-up investor based on the investor terminal (220) of the first candidate follow-up investor who sent the approval message as the first follow-up investor to replace the existing first investor.

The remittance processing unit (104) can transmit a remittance request message to the financial server (300) requesting that the investment amount corresponding to the withdrawal amount of the first investor be remitted from the demand deposit of the first follow-up investor to the demand deposit account of the first investor.

For example, if the financial server (310) of the first investor and the financial server (320) of the first follow-up investor are managed by different banks (i.e., the first investor and the first follow-up investor use demand accounts of different banks), the remittance processing unit (104) can transmit a remittance request message to the financial server (310) of the first investor.

In addition, when the subsequent investor selection unit (103b) receives a withdrawal request for the demand deposit from the investor terminal (220) of the first subsequent investor who provided the investment funds, it can select a second subsequent investor from among the registered investors to replace the first subsequent investor who responded to the withdrawal request.

In the same way, when the subsequent investor selection unit (103b) receives a withdrawal request for its demand deposit from the investor terminal (220) of the i-th subsequent investor who provided the investment funds, it can select an i+1 subsequent investor from among the registered investors to replace the i-th subsequent investor according to the withdrawal request.

In this way, the subsequent investor selection unit (103b) can continuously select subsequent investors of the investors or subsequent investors until the investment period expires so as to provide a permanent withdrawal function not only to the initial investor but also to some of the investors or subsequent investors who can replace the initial investor.

Therefore, the subsequent investor selection unit (103b) according to one embodiment of the present invention has a very great advantage in that it can secure the stability of investment operation by attracting subsequent investors by paying the withdrawal amount from the demand deposit of an investor who has requested withdrawal from the demand deposit of another investor without recovering the investment amount while maintaining the regular withdrawal function according to the demand deposit.

Figure 5 is an exemplary diagram for explaining the operation of the remittance processing unit according to Figure 2.

In one embodiment of the present invention, when attracting investment funds using demand deposits, since the deposit amounts deposited in the demand deposits of each of a number of investors are pooled to secure a large amount of investment funds, a remittance procedure must be carried out from the demand deposit accounts of each of the number of investors.

At this time, if each investor's demand deposit account is processed to directly deposit money into the account of the company requesting the investment, there is a problem that interbank remittances are made very frequently, resulting in high remittance fees.

As a measure to prevent such problems, a remittance processing unit (104) according to one embodiment of the present invention uses a method of processing remittances in bulk, focusing on self-bank remittances, so as to minimize remittances to other banks.

To this end, the operator of the investment matching server (100) can form partnerships with banks of each of the multiple financial servers and open and use individual first accounts for each bank.

Specifically, referring to FIG. 5, the investor selection unit (103) selects the first investor and the second investor by linking with the investor terminal (210) of the first investor and the investor terminal (220) of the second investor, and the case is illustrated where the demand deposit account of the first investor is opened through the first financial server (310) of the first bank and the demand deposit account of the second investor is opened through the second financial server (320) of the second bank.

In the case of Fig. 5, the remittance processing unit (104) may request the first financial server (310) to remit the investment amount from the demand deposit account of the first investor to the first account opened through the first financial server (310). Accordingly, the first financial server (310) may complete the remittance processing.

In the same manner, the remittance processing unit (104) can request the second financial server (320) to automatically remit the investment amount from the second investor's demand deposit account to the second account opened through the second financial server (320). Accordingly, the second financial server (320) can complete the automatic remittance processing.

Although not shown in the drawing, the remittance processing unit (104) can request the k financial server to remit the investment funds from the demand deposit account of the k investor (k is a natural number greater than or equal to 3) to the k account opened through the k financial server. Accordingly, the k financial server can complete the remittance processing.

Here, the first to kth accounts may be accounts (or virtual accounts) opened by each bank by the operator of the investment matching server (100).

At this time, the remittance processing unit (104) may request the first financial server (310) to remit the investment money of the first investor, which has been remitted to the first account, to a second account corresponding to the financial server of the same bank as the account of the company requesting the investment money.

In the same way, the remittance processing unit (104) can request the K financial server to remit the investment funds remitted to the K account to a second account corresponding to the financial server of the same bank as the account of the investment fund demand company.

Accordingly, all investment funds that were remitted to the first or k account of each bank are deposited into the second account.

Thereafter, the remittance processing unit (104) can request the second financial server (320) to remit all investment funds deposited in the second account to the account of the investment fund demand company using remittance. Here, it is assumed that the second financial server (320) is a financial server operated by the bank of the investment fund demand company, but it will be understood that this is an example.

That is, the remittance processing unit (104) according to one embodiment of the present invention interworks with the financial server (300) to process remittance of each investor's investment funds to the same bank accounts as each investor's demand deposit account, and then interworks with the financial server (300) to process remittance of the investment funds deposited in the remaining bank accounts, excluding the account corresponding to the same bank account as the account of the company requesting the investment funds, among the bank accounts to which remittances have been made.

Lastly, the remittance processing unit (104) can process, in conjunction with the financial server (300), all of the investment funds deposited in an account corresponding to the same bank account as the account of the investment fund demand company to be automatically remitted to the account of the investment fund demand company.

FIG. 6 is a diagram exemplarily illustrating a hardware configuration of an investment matching server according to one embodiment.

Referring to FIG. 6, the investment matching server (100) may include at least one processor (110); and a memory that stores instructions that instruct the at least one processor (110) to perform at least one operation.

The above at least one operation may include at least some of the functions or operations of the investment matching server (100) described with reference to FIGS. 1 to 5, and a detailed description is omitted to avoid redundant description.

Here, at least one processor (110) may mean a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor on which methods according to embodiments of the present invention are performed. Each of the memory (120) and the storage device (160) may be configured with at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory (120) may be one of a read only memory (ROM) and a random access memory (RAM), and the storage device (160) may be a flash memory, a hard disk drive (HDD), a solid state drive (SSD), or various memory cards (e.g., a micro SD card).

In addition, the investment matching server (100) may include a transceiver (130) that performs communication via a wireless network. In addition, the investment matching server (100) may further include an input interface device (140), an output interface device (150), a storage device (160), etc. Each component included in the investment matching server (100) may be connected by a bus (170) and communicate with each other.

The methods according to the present invention may be implemented in the form of program commands that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program commands, data files, data structures, etc., either singly or in combination. The program commands recorded on the computer-readable medium may be those specially designed and configured for the present invention or may be those known and available to those skilled in the art of computer software.

Examples of computer-readable media may include hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, and the like. The above-described hardware devices may be configured to operate with at least one software module to perform the operations of the present invention, and vice versa.

In addition, the above-described method or device may be implemented by combining all or part of its configuration or function, or may be implemented separately.

Although the present invention has been described above with reference to preferred embodiments thereof, it will be understood by those skilled in the art that various modifications and changes may be made to the present invention without departing from the spirit and scope of the present invention as set forth in the claims below.

100: Investment Matching Server
200: Investor Terminal
300: Financial Server
400: Operation server of a company that requires investment funds

Claims (10)

As a device for performing an investment matching method using demand deposits,
An investor registry that pre-registers multiple investors by linking with investor terminals;
Investment demand company management department that manages investment conditions according to investment request from investment demand company;
An investor selection department that determines investors for the companies seeking investment funds from among the above registered investors;
A remittance processing unit that transmits a remittance request message requesting remittance of investment funds from the demand deposit account of the determined investor to a financial server; and
Including a revenue settlement unit that receives revenue details from the financial server and transmits a remittance request message to the financial server requesting that the revenue be remitted to the investor's demand deposit account according to the received revenue details,
The above investor registry is,
Receive investor information corresponding to each of the above investors from the above investor terminals, and verify the received investor information.
The above investor information is:
Include at least one of the following for each of the above investors' demand deposit accounts: account number, deposit amount, investor name, investor resident registration number, desired rate of return or interest, desired investment period, and whether early withdrawal is permitted;
The above investment conditions are:
Indicate at least one of the total amount of investment, the rate of return available, and the period for which the investment is repaid;
The above investor selection department,
A subsequent investor selection unit is included, which receives a withdrawal request for a demand deposit account from at least one investor terminal among the investors who provided funds, and selects a subsequent investor to replace the investor according to the withdrawal request from among the registered investors;
The above-mentioned follow-up investor selection unit selects as follow-up investors investors with an average balance exceeding a preset threshold average balance or investors who have the same bank account as the investor according to the withdrawal request.
The above remittance processing department,
A device that transmits a remittance request message to the financial server, requesting that an investment amount equivalent to the withdrawal amount according to the withdrawal request be remitted from the demand deposit of the subsequent investor to the demand deposit account of the investor according to the withdrawal request. delete delete In claim 1,
The above investor selection department,
A device including an investment offer unit that selects at least one candidate investor from among registered investors using the above investor information and the above investment conditions, and transmits an offer message to the investor terminal of the selected candidate investor. delete delete delete In claim 1,
The above investor selection department,
A device for selecting a pre-affiliated affiliated bank as the subsequent investor to replace the investor according to the withdrawal request instead of the above registered investors. In claim 1,
The above investor selection department,
A device for selecting an investor designated by a pre-affiliated affiliated bank as a subsequent investor to replace the investor in response to the withdrawal request, instead of the above registered investors. In claim 1,
The above investment request is a message requesting investment funds for each of multiple investment cases.
The above investor selection unit is a device that determines the investor corresponding to each of the above investment cases.