KR20010082885A - Multi-item direct investment decision by using internet - Google Patents

Abstract

PURPOSE: A system for deciding a real time direct investment of a multiple system using Internet is provided for an investor to select a business item and to decide an invest thereof directly on a virtual space being formed through the Internet. CONSTITUTION: A service server system(10) has a web server(12) for providing a service according to investing methods. A homepage is constructed in the web server(12) by installing a web page(14). The web server(12) controls a database(18) by driving a necessary program through a CGI script(16). A user database comprises files according to members and stores information of members. A business item database comprises files according to business items and stores detail contents of a business item and investing related data. A detail investment list database according to members includes fields as a member's ID, the total investing money, and an identification code of an investing business item. The web server(12) is connected to a switching hub(22) being connected to a securing server(20). The switching hub(22) is connected to the Internet(24). A web browser(26) being installed in a client computer may connect to an Internet service provider server(32) through a modem(28) or an excusive line(30).

Description

Real-time direct investment decision system of multiple items using internet {MULTI-ITEM DIRECT INVESTMENT DECISION BY USING INTERNET}

The present invention relates to a method and apparatus for investing using the Internet, which can be implemented by real-time direct investment decisions for a small investor's desired business through the Internet. The present invention relates to a method and apparatus for investment using the Internet that can be easily funded.

There are many ways a small investor can manage funds. First, the bank may use deposit banks to receive deposit interest. In this method, a small investor deposits in a bank and receives interest income at a rate set by the bank. The deposited money is loaned by the bank clerk, or a third party, by the bank to the prospective lender, and the bank receives the loan interest. After all, even a small investor invests (loans) to a person who needs money (hereafter referred to as a 'fund capitalist'), but he or she cannot directly select a fund consumer or select a fund consumer's business. The third party selects and operates it. Funds that operate stocks or bonds are also indirect investments in which the fund manager manages a small amount of investor funds, and it is not possible for a small investor to directly select the stock or business.

Micro-investors can invest directly in the stock market by trading stocks or bonds. In this case, however, you are investing in an entire company and not in that particular business. In 1999, the composite stock index rose more than 70%, but 99% of individual investors gained less than that, especially 60% of them, which is not easy for small investors to make profits on the stock market.

On the other hand, there are times when the demand for money is needed for certain business items, not for the entire company. However, when a company issues bonds, it is often difficult to attract funds even for good business items because it reflects various circumstances such as credits from other fields. On the other hand, if a large amount of investment is required for a unit business item, if a large amount of investors are met, it is possible to invest the necessary funds for the business, but its probability is rare. In addition, in the real space, it is impossible to draw a large number of micro-investors at the same time and collect the opinions to derive investment, and even if the investment proceeds, there are many difficulties in its business process.

As a result, a small investor may have a huge difficulty in the method so far and a small investor may directly invest in a fund consumer in a field that has not been able to invest as a small investor so far. There is a need to provide a way to make a selection decision.

SUMMARY OF THE INVENTION An object of the present invention in consideration of the problems of the prior art is to provide a method and apparatus for an investor to select a business item and directly make investment decisions in a virtual space formed through the Internet.

It is still another object of the present invention to provide a method and apparatus for accepting a real-time investment application by linking a computer with the Internet and easily determining a plurality of investors as investors.

1 is a block diagram of an investment system using the Internet in an embodiment of the present invention

2a and 2b is a flow chart of the investment process using the Internet according to an embodiment of the present invention

* Explanation of symbols for the main parts of the drawings

10: service server system 12: web server

14: Webpage 18: Database

24: Internet 26: Web Browser

In order to achieve the above object, the present invention is to allow a plurality of micro-investors to invest in at least one business item of a plurality of business items by using a server system connected to the investor's computer and the Internet, the required amount of investment attraction is set Transmitting at least one web page having a list of a plurality of sectorized database-based business items and an area for selecting whether to make an investment decision to at least one particular investor's computer; and Accepting a selection of an investment decision from a particular investor, receiving an estimated investment amount determined and input by the particular investor for the particular business item, and investing a plurality of investors for the particular business item Recalling that the total amount of money is preset If it exceeds the bid amount, and provides a method investments using the Internet comprising the steps of: determining an investor for the project item.

According to another aspect of the present invention, a plurality of micro-investors to invest in at least one business item of a plurality of business items more quickly and simply by using a computer, at least among the plurality of business items for which the investment amount is set Displaying one specific business item, receiving an estimated investment amount for an investor to invest in the specific business item, and receiving an estimated amount of investment received by a plurality of investors for any one specific business item. A computer-based investment method is provided, comprising determining an investor for the particular business item if the total amount exceeds the predetermined required investment attraction amount.

According to another aspect of the present invention, a processor for causing a plurality of micro-investors to invest in at least one business item of the plurality of business items,

A storage device connected to the processor, the database storing information on the investor and the business item, and a storage device storing a program for operating the processor, wherein the program is selected from among a plurality of business items for which a required amount of investment is set; Displaying at least one specific business item, receiving an estimated investment amount for an investor to invest in the specific business item, and a total amount of the estimated investment amount received from a plurality of investors for the specific business item in advance If the set amount exceeds the required set amount, an investment device is provided, comprising determining an investor for the business item.

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

1 is a block diagram of a system for performing an investment method using the Internet according to an embodiment of the present invention. In order to provide a service according to the investment method, the service server system 10 includes a web server 12. The web server 12 is provided with a web page 14 to constitute a homepage. The web server 12 controls the database 18 by driving a necessary program via the CGI script 16. The database 18 includes a user database, a business item database, and a detailed investment list database for each member.

The user database is composed of member-specific files to store information on members and active members. In this database, each member (or active member) has fields for contact information such as name, ID, password, address and telephone number and e-mail address, social security number, occupation, membership level, and profit transfer account.

On the other hand, the business item database is composed of files for each business item, and the details of the business item and data related to the investment are stored. Specifically, a business item identification code, a business item name, a business entity, a business content, a business period, an investment size (ie, an amount required for investment), an investment offer period, an investor (preferably to store the investor's ID), Investment amount by investor, progress information, information on related projects that have already been completed (for example, the profit rate of similar projects), investment application information (the person who applied for investment and the estimated amount of investment requested by the person who applied for investment) The data field of is prepared.

In the detailed investment list database for each member, fields such as a member's ID, total investment amount, and an identification code of an investment business item are provided. You can find out how much a member invested in a business item as follows. That is, the database control program can obtain the information on the business item identification code from the detailed investment list database of a specific member, and find the amount of investment corresponding to the member in the investment item database corresponding to the identification code.

Although the database structure used in the present invention has been described with an example, the present invention is not limited to the above type of database only.

The web server 12 is connected to a switching hub 22 to which the security server 20 is connected. The switching hub 22 is connected to the internet 24. The customer's computer is provided with a web browser 26. The web browser 26 can connect to the Internet service provider server 32 through the modem 28 or the private line 30 of the general telephone line. The server 32 is connected to the Internet 24 via a router 34.

2A and 2B, a customer first connects to the service server system for performing the investment method of the present invention through the Internet (102). Then, in the web browser of the client computer, the web pages forming the initial screen of the home page are displayed 104. Check the member 106 in the initial screen. This can be done by checking the username and password.

Members are divided into regular members and regular members (as will be appreciated by those skilled in the art that this name is for convenience and may be called a different name). General members can only view certain parts of the homepage.

If not a member, the member registration area is clicked to register the member 108. Be sure to read the terms and conditions of operation of the system operator regarding the investment method, and then agree to the "I agree" area (this refers to the request area specified by the address to which the hypertext link protocol connects). Will be readily understood by those skilled in the art). Enter the relevant details (basic personal information that constitutes the user database, including personal information, ID, password, contact information, etc.) on the application form and click on the "Confirmation" area. After that, the administrator of the service system (the service system refers to a system connected to the Internet for performing the investment method of the present invention) reviews the subscription application and stores it as a general member in the user management database (110). At this time, the administrator sends a membership acceptance message to the e-mail address described in the application form.

In the case of a member, a service is provided by inputting a password and a password. The user's ID is transmitted to the CGI script (112) to allow access to only a predetermined web page. To continue, make sure you are a full member (114). A full member is a member who can invest and has no restrictions on access to all web pages (however, an investment project in progress can only be viewed by a participating member of the investment). If you are not a full member, you will become a full member through the following process. The customer deposits 116 a certain amount of money once required. The deposited amount shall be kept as a deposit at the designated bank and interest income may be automatically transferred to the account of the information provider and used by the service company. (Of course, the qualification requirements for becoming a regular member may be different. In the embodiment of the present invention, the reason for making a regular deposit of a certain amount as a regular membership condition is to prevent indiscriminate leakage of business information and to express a minimum investment intention. Interest in deposits is used for business feasibility studies). The investor opens a regular deposit account for profit sharing, accesses the service system (web server) again, clicks on the "member information correction" area (linked to the webpage for membership registration), and enters the deposit account number. Then click "OK". (In contrast, you may not be able to correct the information you registered at the time of initial membership registration online. Instead, if you send e-mail information to the service provider to correct it, the service provider will provide you with the information to be stored in the server's database. The service system stores 118 information of active members in a user management database. At this time, the administrator sends a membership acceptance message to the e-mail address described in the application form.

When it is confirmed that the user is a full member, the ID of the user is transmitted to the CGI script 120 to display a preset investment menu web page 122. The menu has an area linked with a web page for determining the investment field, investment amount, and the like.

First, an investment sector (ie, a business item) is selected 124. The investment field receives a request from a fund consumer, analyzes a business at a service company (a service company refers to a company or a business entity operating an investment method according to the present invention), and then a service manager (a subject who operates and manages a service system). Post an investment field into the investment database. In other words, the project feasibility study is conducted by the expert group of the investment deliberation committee of the service company for each project received after receiving the project requesting the investment of the fund consumer. The selected business item is announced on the web page representing the list of investment products in the service company's web page, along with a detailed description of the amount and timing of the investment offer. It is also desirable to send this to each member by e-mail. The selected business items are displayed on a menu in which the user (customer) selects an investment field (124).

Business items are not based on any company or individual, but rather on business items. Examples of business items suitable for the Internet investment method of the present invention include the following examples. ① Business items in the field of entertainment business that invests in cultural goods such as records, films, books, etc. (eg, record planning, film production, publishing business), ② Business items in the field of real estate development that invests in the real estate or construction industry (For example, construction projects such as development projects and redevelopment reconstruction). Such business items are usually operated by a corporation, but it is easy to receive investment by dividing only this business into unit business items.

When the user selects one of the investment business item list areas, a detailed description thereof is presented 126. The explanations include the project's content, total investment size, and projected profits. The investor (user, customer) reviews the description and decides whether to invest (128). If you decide not to invest, you will be presented with a list of investment items. If it is determined to invest, the investment amount is determined (130).

The period in which the investor (customer) can decide whether to invest and the amount of investment can be determined is preset for each business item. When the period has elapsed, it is determined whether the amount invested by the investor for the corresponding business item is achieved in the investment target amount (investment amount) (132). If the investment attracted amount is not achieved even after the investment target period has elapsed, the period is extended (134) to allow the investor to select again. In some cases, it may be possible to stop attracting investment in a business and discard the business item from the service according to the method of the present invention 136.

The investment shall be made when the total amount of investment intentions of the active members who have indicated their intention to participate in the investment reaches the amount of investment recruitment. If the total amount of the investment intention exceeds the investment offer amount, the participating members of the investment project are determined on a first-come, first-served basis, and the decision is also notified 140 by a bulletin board or an e-mail which only the investor can read. In this case, the designated account to be deposited by the member who has decided to participate in each investment project, and the date of deposit (due date) shall be designated. The member deposits the investment amount by a specified date (142).

In the bulletin board or e-mail notifying the decision, it is desirable to provide an area containing a URL for connecting to the remittance service of the Internet bank of the bank in which the investor has opened a savings account in which the investment amount is invested. These banks can be entered by the investor in advance. In this case, the investor may have the remittance web page using internet banking automatically enter the account designated by the service company as the remittance account. Alternatively, in another embodiment, the bulletin board or e-mail may have an area including a URL of a web page that connects to the bank's server and automatically transfers from the investor's personal account to the service company's account. Enter the investor's identifying code on the web page and click on the "Execute Direct Debit" area (icon) to start the direct debit.

Check whether the investment amount has been remitted by the specified date. Such confirmation is preferably such that the details of the designated account can be automatically confirmed. If the remittance is not received within the specified time period, the investment is dropped (144), and the subordinate is determined to participate in the investment (146). This decision is then informed 140 via a bulletin board or e-mail to the investor. If the deposit amount is less than the investment already entered by the investor, the deposit amount is used as the investment amount. In case of insufficient investment, the subordinate is decided as an investor. If the deposit amount exceeds the promised amount, only the promised amount shall be invested.

When all the investment attraction is completed, the information of the investor is stored in the database for each business item, such as forming a mail group as the e-mail address of the investment member (regular member) for each business. Thereafter, an investment contract is signed with the fund consumer for the investment item (144). The investment contract is concluded in the name of all members who participated in the investment project, and the service company is commissioned by the contract act. Delegation of contract acts is preferably made when an investor determines an investment business item (128) and an investment amount (132). For example, a power of attorney can be created in the form of a web page that forms a mandate agreement and includes an identifier that identifies the investor to the investor to complete the electronic document. Alternatively, a specific act, for example a deposit of the amount to be invested, may be designated as a mandate to delegate.

When the investment contract is completed, the investment is transferred to the fund consumer and the investment business begins. The service company manages the business 148 with the commission of the members. If necessary, if there is a wish among the investment participants, the investor shall elect a business auditor and co-operate with the service company. The progress of the investment project is posted on the business progress web page, and is also sent by e-mail 150. On the other hand, my investment list bulletin board (152) is provided so that you can check the investment status of each investor on their own web page. When the investment business is completed (154), the profit is distributed (156) in proportion to each principal invested in the total profits deposited in the ordinary deposit account of each member.

Although the present invention has been described with reference to the above embodiments, the present invention is not limited thereto. Those skilled in the art will appreciate that modifications, changes, and the like may be made without departing from the spirit and scope of the present invention, and such modifications and changes also belong to the present invention.

According to the above configuration of the present invention, even a small investor can easily find a fund consumer and directly invest. At this time, even if a small investor does not have all of the funds required for the promotion of the business item of the fund consumer, even if the small item of investors in the cyber space is bundled up, it is necessary for the business item that requires a large amount of money that is difficult to invest in a small amount so far. You can invest. This is possible because at least one business item can be connected to multiple investors in the virtual space using the Internet system. In addition, according to the investment method of the present invention using the Internet, even if the demand for funds for each business item can be contacted online at any time to a large number of investors can easily attract investment.

Investors' decision to invest by business item makes it easier to review the profitability of a single item without examining other external factors. This is advantageous in that it is not necessary to investigate the status of all the businesses of a company in order to invest money in a company that does a lot of business.

Claims (4)

It is intended to allow a large number of micro-investors to invest in at least one business item of a plurality of business items by using a server system connected by the investor's computer and the Internet. Transmitting at least one web page having a list and an area for selecting whether to make an investment decision to at least one particular investor's computer, and receiving online a selection of an investment decision from the particular investor for a particular business item; And receiving online an estimated investment amount determined and inputted by the specific investor for the specific business item, and a total amount of the expected investment amount received by a plurality of investors for the specific business item is preset. If exceeded, the business item How to invest using the Internet comprising the steps of: determining the investor. The method of claim 1, Providing the determined investor with information about a deposit deadline; checking whether each investor has deposited his or her investment amount after the deposit deadline; and if there is an amount not deposited within the deposit deadline, Investing method using the Internet, characterized in that further comprising the step of determining the investor among the investors who chose the investment decision. Displaying at least one specific business item of the plurality of business items for which the plurality of microinvestors are to invest in at least one business item of the plurality of business items using a computer, wherein the investment attraction amount is set; Receiving an investment estimated amount determined by the investor for the specific business item, and a total amount of the expected investment amount received by a plurality of investors for any one specific business item exceeds the predetermined required investment attraction amount; If so, comprising the step of determining the investor for the particular business item. In order to allow a plurality of micro-investors to invest in at least one business item of the plurality of business items in real time, Processor, A storage device connected to the processor and having a database storing information about the investor and the business item and a program for operating the processor; The program includes displaying at least one specific business item among a plurality of business items for which a required investment attraction amount is set, receiving an estimated investment amount for the investor to invest in the specific business item, and And determining an investor for the business item when the total amount of the expected investment received from the plurality of investors for the item exceeds the preset investment attraction amount.