KR20010088539A - Investment profit management system with a mutual conditional state - Google Patents

Abstract

PURPOSE: An investment profit management system is provided to enable a user to make a contract for receiving cash, property, service or information on an investment amount according to sale achievement by using an auction or a reverse auction technique. CONSTITUTION: The system comprises an investment applicant terminal(2), an interactive web television(6), an investment business terminal(10), an investment management server(14), a mail server(18), a chatting server(20), an image chatting server(22), a bulletin board server(24), a member management database(26), an investment information database(28), a financial process server(36), and a financial information database(38). The investment management server(14) includes a web site(16) offering web informations for enabling an investment applicant to make a contract with an investment service business company. The server(14) receives an investment request from the applicant terminal(2) and the interactive web television with a condition of receiving a property, a service or information as well as a cash, and notices the investment request and the condition. The server(14) enables the investment applicant and to exchange informations with investment business companies by using the mail server(18), the chatting server(20) and the image chatting server(22).

Description

Investment profit management system with a mutual conditional state

The present invention relates to an investment return management system according to an interactive conditional disclosure, and more specifically, through an information and communication network, the disclosure and consultation are carried out in an interactive condition of return on investment between the applicant and the investment service provider. It relates to an investment return management system based on two-way conditional disclosure that manages individual and company investments in the sector and technology sector smoothly.

In recent years, with the explosive growth of companies with advanced technologies such as venture companies for commercializing differentiated ideas and excellent products, investments in such venture companies have been actively made. Such investments include technology investments and start-up investments. It is also diversifying, such as investment in business development fund, facility investment fund investment, import and export trade investment, film production investment, game production investment, record production investment, and television program production fund investment.

On the other hand, companies and individuals who want to receive such investments have advanced technology or excellent programs, but are exploring various investment methods to attract funds to commercialize them.

In addition, the individual investor is seeking various ways to maximize investment profits by making various material investments for companies or individuals with high technology or excellent programs.

However, in the current investment situation, investment funds are urgent because offline applicants and investors go through a series of investment attraction processes such as investment briefing sessions and actual investments are made through various complicated screening processes. There is a problem that it is extremely difficult for inflow of investment funds in the position of the investment applicants who need it.

In addition, at present, the investment market can be mainly formed by the certified corporate investor from the information, and there is an institutional device that allows the unlicensed individual investor to invest legally, and the investment management function that supports it. As it does not exist, there is a problem that not only the efficiency of investment as a whole decreases but also a barrier to the activation of the investment market.

Accordingly, the present invention has been made in view of the above-described conventional circumstances, and an object thereof is to form an amount of payment according to a particular goods, services, information, and sales performance, in addition to cash, for the investment money repaid for the investment service online through the information and communication network. To provide a return on investment management system based on two-way conditional disclosure, which allows a contract to be paid in return.

Another object of the present invention is the auction method and reverse auction method to conclude the investment agreement for repaying the investment of the investment service online through the information communication network in the form of payment amount calculated according to the specific goods, services, information and sales performance in addition to cash. It is to provide a ROI management system based on interactive conditional disclosure.

Still another object of the present invention is to enter into an investment agreement for investing the investment amount calculated according to the sales performance and store information to the card merchant online through the information communication network, and the investment return at a dividend rate determined at the investment agreement, It is to provide investment return management system based on interactive conditional disclosure online through information communication network that can be paid at irregular intervals.

Still another object of the present invention is to sign a loan online through the information network for the loan of the loan calculated on the basis of the sales results for the card merchant, the loan for the loan investment in accordance with the fixed period based on the loan agreement To provide a return on investment management system based on two-way conditional disclosure to repay principal and interest.

Another object of the present invention is to create an investment item of investments generated for a card merchant as a fund, an interactive conditional disclosure that allows a plurality of investment providers to trade and sell investment funds online through an information and communication network. It is to provide a ROI management system.

1 is a view showing the overall information processing flow of the ROI management system according to the interactive conditional disclosure of the present invention,

2 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the first embodiment of the present invention;

3 is a flowchart illustrating an operation of concluding an investment agreement and investment return management by interactive conditional disclosure in an investment return management system according to an interactive conditional disclosure according to a first embodiment of the present invention;

4 is a diagram illustrating a network configuration of a ROI management system according to an interactive conditional disclosure according to a second embodiment of the present invention;

5 is a diagram illustrating a network configuration of a ROI management system according to an interactive conditional disclosure according to a third embodiment of the present invention;

6 is a diagram schematically showing the overall information processing flow of the ROI management system according to the interactive conditional disclosure according to the fourth embodiment of the present invention;

7 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the fourth embodiment of the present invention;

8A and 8B are flowcharts illustrating an example of concluding an investment contract in an auction method and a reverse auction method according to a fourth embodiment of the present invention;

9 is a diagram showing the overall information processing flow of the ROI management system according to the interactive conditional disclosure according to the fifth embodiment of the present invention;

10 is a diagram showing a network configuration for an ROI management system according to an interactive conditional disclosure according to a fifth embodiment of the present invention;

11 is a view showing the overall information processing flow for the ROI management system according to the interactive conditional disclosure according to the sixth embodiment of the present invention;

12 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the sixth embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

2: computer terminal for investment applicants, 6: interactive web television,

10: computer terminal for investment operators, 14: investment management server,

18: mail server, 20: chat server,

22: video chat server, 24: bulletin board server,

26, 28, 38: information database, 30, 32: mobile communication terminal,

34: gateway server, 36: financial processing server.

In order to achieve the above object, according to the present invention, in an investment system for concluding an investment agreement for investment of an investment between a given investment applicant and an investment service provider, in addition to cash, certain goods, services, information and A network terminal for investment applicants which performs an investment application disclosure on the information communication network, subject to paying the investment return calculated according to the sales performance, and performs an investment agreement through online consultation with the investment service provider; An investment provider that performs an investment agreement online to receive payment of the investment in the form of a return on investment according to specific goods, services, information and sales performance through online consultation with the information terminal network of the investment applicant network terminal. Network terminal, online through the information network An investment management server that manages the investment agreement between the network terminal for the applicant and the network terminal for the investment provider, and manages whether or not to pay the return on investment according to the specific goods, services, information and sales of the investment. An information database storing investment agreement information between the applicant's network terminal and the investment operator's network terminal, and details of the payment status of the investment proceeds for goods, services, information and sales on the investment, and the network for the applicant An investment return management system is provided according to an interactive conditional disclosure consisting of a financial management server that manages the settlement of investment proceeds based on the terms of the investment agreement between the terminal and the investment terminal network terminal.

In addition, according to the present invention, in order to achieve the above-described other object, the investment application information for attracting investment of each merchant online through the information communication network, and the investment agreement online through a discussion of investment conditions with a predetermined investment provider In addition to the payment approval process of the sales amount through the card media generated from each affiliate store through a plurality of merchant network terminals to be concluded and a value-added network, a plurality of sales ratios allow a certain percentage of the sales amount to be paid out as investment proceeds. To conclude the investment agreement online through discussion of the investment conditions with the merchant network terminal that applied for investment online through the merchant card inquiry terminal and the information and communication network, and to receive the agreed return on investment according to a certain payment period. A plurality of investor network terminals, the plurality of merchant network terminals and a plurality of Based on the investment agreement with the investor network terminal, the investment management server for managing the investment agreement and the payment processing status of the investment agreement, and the investment agreement information received from the investment management server, the value-added network for the merchants An investment return management system according to an interactive conditional disclosure consisting of a value-added network management server for processing a certain percentage of investment proceeds from a card sales amount by a certain payment period by accessing information for card payment approval processing with a card inquiry terminal. to provide.

Hereinafter, a first embodiment of the present invention configured as described above will be described in detail with reference to the accompanying drawings.

1 is a view showing the overall information processing flow of the ROI management system according to the interactive conditional disclosure of the present invention.

As shown in FIG. 1, according to the present invention, an investment applicant who wants to receive a predetermined amount of money, accesses the investment management system online through an information communication network such as an Internet communication network, and requests the investment, instead of the investment amount. Disclosures are made about specific goods or services held by the Company, specific information, points, stocks or bonds, or conditions of return on investment that the investor wishes to pay for the sale.

Here, the goods that the applicant can pay for the investment amount include household appliances such as televisions and refrigerators, household appliances such as furniture and desks, antiques such as books and ceramics, stocks, bonds, real estate with economic value, It includes all types of goods such as real estate such as forestry, and services include tangible / intangible service services such as event programs of promotional companies, beauty products in beauty salons, educational programs in schools, legal services, architectural and interior services, etc. The information covers all intangible and valuable information such as know-how, high technology information, patent information, etc. that can be converted into economical personal information, public information, goods and cash.

In addition, the investment applicant discloses a business plan informing the future profit value of his business, etc. while performing the disclosure of the conditions of the ROI, and performs the disclosure that the investment applicant wants to pay the investment price. .

If the investment applicant is a small amount of investment, it is desirable to allow the investment amount to be paid online through the information communication network through advertisements, surveys and research participation, purchase of specific products, subscriptions, orders, and the like.

On the other hand, the investment service provider consists of employees who are qualified for investment services in various financial institutions including banks, credit banks, insurance companies, investment companies, etc., or individual investors seeking profit through investment funds. The investment request status of the investment applicant is inquired while being a member of the system, and the investment agreement is carried out online through consultation with the investment applicant through online or offline.

When the investment agreement is made online through the information communication network with the investment applicant, the investment service provider pays the contracted investment amount, and the investment applicant has a specific goods contracted with the investment service provider at the interest rate. The amount calculated based on the service or information or the sales results will be paid.

In this case, the payment of the investment proceeds in the amount calculated according to the sales results may be arranged to set a predetermined percentage (for example, 3% of the total sales results) for the total sales results as the investment proceeds, and the schedule for the sales results is fixed. It is also possible to commit the amount to be decided as the return on investment.

When the investment service provider receives payments from the applicant for investment in particular goods, services or information other than cash, or in accordance with the performance of the investment, the investment service provider reports the status of the investment online to the investment management system. When the investment management system receives a report from the investment service provider, the investment applicant's credit rating is adjusted according to the payment status of the investment.

In addition, the investment request disclosure of the investment applicant is made to be available on-line using the information communication network, but it is also possible to be available through offline, such as newspapers, magazines, flyers, product catalogs, television broadcasting, radio broadcasting, DM sending, It is also possible to use business outlets of various financial institutions.

2 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the first embodiment of the present invention.

As shown in FIG. 2, the ROI management system according to the first embodiment of the present invention includes a computer terminal 2 for an investment applicant, an interactive web television 6, a computer terminal 10 for an investment provider, and investment management. Server 14, mail server 18, chat server 20, video chat server 22, bulletin board server 24, member information database 26, investment information database 28, financial processing server 36 ), And a financial information database 38.

In the figure, the investment applicant computer terminal 2 has a built-in network interface card (NIC) such as a LAN card for performing information exchange by accessing an Internet communication network and is dedicated for inquiry of Internet web information. A web browser program and an e-mail sending / receiving program for sending / receiving e-mail data are installed, and the goods, services or information to be paid in addition to cash for the investment by accessing the investment management server 14 through an internet communication network. B, the investment request disclosure showing the sales performance is performed online, and the information exchange for the investment agreement is performed through the online consultation with the investment operator computer terminal 10 through the investment management server 14. .

In addition, the computer terminal for the investment applicant (2) is not only possible to announce the investment request using the e-mail, instant messaging service, as an off-line announcement form to the automatic voice answering system (ARS) through a wired telephone terminal The loan request disclosure is also available.

Here, the investment applicant computer terminal 2 is connected to the image camera 4 for capturing the image of the investment applicant, the investment agreement through the video chat with the investment service provider under the operation of the video chat server 22 It is possible to carry out a mutual consultation process.

The interactive web television has a set top box connected to an internet communication network through an internet dedicated line such as a cable television network, and through the investment management server 14, a specific goods, services or information, in addition to cash, An investment request is made on the condition that payment is made on behalf of the investment proceeds on the basis of the amount calculated according to the sales performance, and online is connected to the computer terminal 10 for the investment provider and mail exchange, text and voice chat In addition, through the video chat and bulletin board information registration, the consultation process for investment agreement is carried out, and the investment agreement is executed as a result of such consultation process.

In this case, the interactive web television 6 is connected to a separate video camera 8 to perform a consultation process for the investment agreement with the investment service provider through video chat using the video camera 8. have.

In addition, the computer terminal 10 for the investment provider has a built-in network interface card (NIC), such as a LAN card for connecting to the Internet communication network to perform information exchange of the web browser program and e-mail data for the inquiry of Internet web information Mail transmission / reception program for sending / receiving is installed, the investment management server 14, while a member is registered as a membership member, the investment request status of a predetermined investment applicant online through the mail exchange function, Through the chat function, the video chat function and the bulletin board information registration function, a consultation process for forming a reasonable investment condition with the investment applicant is performed, and the investment agreement is concluded online according to the result of the consultation.

Here, the computer terminal 10 for the investment provider is connected to a separate video camera 12, so that the consultation process for the investment agreement with the investment applicant by the video chat function using the video camera 12 can be performed. It is.

In the figure, the investment management server 14 has a website 16 for providing Internet web information for allowing the investment applicant and the investment service provider to make an investment agreement online. Receive an investment request subject to payment of goods, services and information in addition to cash from the computer terminal (2) and the interactive web television (6) and announce it through the web page of the website (16). The investment agreement is processed as a result of consultations on investment agreements with investment service providers and the status of payment to goods, services, information, or revenues will be managed.

Here, when the investment management server 14 receives a request for an investment agreement between the investment applicant computer terminal 2 or the interactive web television 6 and the investment operator computer terminal 10, the mail The e-mail exchange function of the server 18, the chat function of the chat server 20, the image chat function of the image chat server 22, and the bulletin board information registration function of the bulletin board server 24 are activated to operate the website 16. Ensure that information exchanges are made visible and audible through web pages.

In addition, the investment management server 14 allows the investment applicant to make an investment request under the condition that the investment applicant subscribes to the website 16 as a general member, and desires to become a member in order to qualify as a general member. In addition to receiving personal information of the applicant, the applicant also registers the personal credit information of the applicant.

In addition, the investment management server 14 is to be a member of the investment service provider according to the individual who pursues investment profit or investment in financial institutions that can be invested service, as a member of membership membership, Particular personal information and individual of the investment applicant who requested the investment in the process of inquiring predetermined investment request information by the investment service provider registered as the membership member can be managed separately from the general membership system. Make it possible to look up credit information. That is, investment applicants registered as general members are prohibited from inquiring personal information and personal credit information, but it is possible for an investment service provider to view general member information when necessary for an investment agreement.

On the other hand, the investment management server 14 in the investment agreement between the investment applicant computer terminal (2) and the investment operator computer terminal (10) in the investment amount for a portion of the investment fund, survey and research participation, specific products To be made available for purchase, subscription (e.g. newspapers or magazines), pre-orders, etc., to be made available for selection on the applicant's computer terminal (2) through a web page on the website (16). Done.

The member information database 26 includes personally identifiable information entered under the condition of membership by an investment applicant who is registered as a general member, member account information, personal credit information of each investment applicant obtained from a credit rating agency, As a result, personal credit rating information adjusted is stored, and personal information of investment service providers that are registered as membership members, information that proves that they are engaged in financial institutions or investment institutions, or that they are individual investors, and member account information is stored. .

The investment information database 28 includes investment agreement information generated as a result of an investment agreement between the applicant and the investment service provider, and payment status of a price calculated by specific goods, services, information or investment performance paid for the investment. Detailed information about is stored.

In the figure, the investment applicant's mobile communication terminal 30 and the investment operator's mobile communication terminal 32 is made to enable the voice / text call with the other party wirelessly through a mobile communication network, to the investment management server 14 In order to conclude an agreement on the contents of the investment request of the established website 16, consultation between the investment applicant and the investment service provider may be conducted through voice call or text communication.

Here, the investment applicant's mobile communication terminal 30 and the investment operator's mobile communication terminal 32 are each equipped with a dedicated web browser program that can query the web information of the wireless Internet, each through the wireless Internet communication It is possible to proceed with the negotiation for the investment agreement between the mobile communication terminals 30 and 32, and the mobile communication terminal 30 for the investment applicant and the computer terminal 10 for the investment operator or the investment provider through the Internet communication network. It is possible to make an agreement for an investment agreement between the mobile communication terminal 32 and the investment applicant computer terminal 2 by using an e-mail exchange function, a chat function, an image chat function, and a bulletin board information registration function.

The gateway server 34 performs protocol conversion for mobile communication information from the mobile communication network and internet web information from an internet communication network.

In addition, the financial processing server 36 is disposed in a financial institution such as a credit card company or a bank, and through the Internet communication network to set up a direct debit account or a predetermined deposit account set by the investment agreement between the investment applicant and the investment service provider Through the process of depositing investment amount and managing payment amount for payment of investment amount.

In this case, the financial processing server 36 may be settled daily, monthly, and yearly according to the matter concluded by the investment agreement through an account between the investment applicant and the investment service provider. The decision may be made by mutual agreement between the applicant and the investment service provider.

Next, an operation according to the first embodiment of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 3.

First, the user terminal (ID) and password (PW) registered as the member account information in the state of accessing the website 16 of the investment management server 14 through the Internet communication network in the investment applicant computer terminal (2). Enter the general member login (D10), and enter the user number (ID) and password (PW) of the membership member registered as the member account information on the website (16) in the computer terminal 10 for investment operators The membership member login is performed (D11).

In this state, the investment applicant computer terminal (2) enters the investment application disclosure information that presents the amount of goods, services, information, or investment amount in addition to the cash for the purpose of payment of the investment in the member login state. (D12), the investment operator computer terminal 10 inquires online the investment application disclosure information of each investment applicant registered on the website 16 (D13).

On the other hand, the computer terminal for the investment applicant (2) also allows you to consult the investment service providers registered as membership members to negotiate the agreement for investment application (D14).

When the investment applicant and the investment service provider make an online connection for the investment agreement by the above process, the investment applicant computer terminal 2 and the investment operator computer terminal 10 are connected to the investment server by the mail server 18. Proceed specific consultation for investment agreement using e-mail exchange function, chat function by chat server 20, video chat function by video chat server 22 or bulletin board information registration function by bulletin board server 24 Through such consultation, a specific agreement is made on the amount of payment for the amount of goods, services, information or sales to be paid in addition to cash (D15).

Here, the investor may not only discuss online using the investor's computer terminal 2, but also use an interactive web television 6 to exchange e-mail, chat, video chat or bulletin board information on the Internet. It is possible to negotiate through the registration function, and the investment applicant and the investment service provider can negotiate the investment agreement through the mobile communication network through voice / text communication using the mobile communication terminals 30 and 32. In addition, web information using the wireless Internet between the investment applicant mobile communication terminal 30 and the investment operator computer terminal 10 or between the investment applicant mobile communication terminal 2 and the investment operator mobile communication terminal 32 By exchanging agreements, consultations on investment arrangements can be made.

Next, when the investment terminal computer terminal 10 is a contract for investment matters by the consultation process with the investment applicant, the investment agreement on the website 16 of the investment management server 14 When the investment agreement server 14 prepares an investment agreement online in the investment operator computer terminal 10, the investment management server 14 notifies the investment applicant computer terminal 2 of the investment information. (D17).

Therefore, when the investment applicant computer terminal 2 is notified of the investment agreement information from the investment management server 14, the agreement information on the contents of the agreement is written online and inputted (D18), and the investment management In the server 14, when the agreement information of the agreement is prepared by the investment applicant computer terminal 2, the agreement decision report indicating that the investment agreement is finally concluded based on the agreement information, the computer terminal 10 for the investment provider. In addition to the notification, the agreement content information of the agreement is stored in the investment information database 28 (D19).

As described above, in the state in which the investment agreement is concluded, the computer terminal 10 for the investment provider manages the deposit account agreed by the agreement concluded in accordance with the investment agreement with the investment applicant 36. (D20), the financial processing server 36 deposits the investment in the deposit account opened by the investment applicant in accordance with the request for payment of the investment of the computer terminal 10 for the investment provider. (D21).

In this state, when the payment date of the investment amount has elapsed, the investment applicant computer terminal 2 makes a request for payment of the investment proceeds to the financial processing server 36 (D22), and the financial processing server 36 ) Will process the proceeds of investment in accordance with the contents of the mutually agreed agreement between the applicant and the investment service provider (D23).

However, when the computer terminal 2 for the investment applicant pays the investment amount received from the investment service provider in the form of specific goods, services, and information other than cash, the computer does not go through the financial processing server 36. It is also advisable to deliver the goods, services and information to be paid in a contracted period with the investment service provider.

Then, the investment operator computer terminal 10 reports the payment of the investment proceeds to the investment management server 14 when the payment processing of the investment proceeds is performed through the financial processing server 36 ( D24).

Next, a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 4 is a diagram illustrating a network configuration of the ROI management system according to the interactive conditional disclosure according to the second embodiment of the present invention.

As shown in Figure 4, the investment return management system according to a second embodiment of the present invention, the investment agreement for paying the investment between the investment applicant and the investment service provider by a specific goods, services, information or sales performance According to the goods, services, information, and sales performance to be paid in addition to cash on behalf of the investment proceeds, a specific investment service provider announces a certain investment product online through the Internet communication network. By presenting the basic desired conditions for the amount calculated, a large number of applicants will be able to competitively conduct investment bids based on the basic desired conditions of the investment products proposed by the investment service providers online. The investment service company at the closing of the auction. Who will be selected for investment by the applicant meets the desired conditions presented to the winner with a maximum investment agreement and to such conditions as the bid Commitments Investment services providers and investment applicant as the successful bidder will be written online.

In the figure, the ROI management system according to the second embodiment of the present invention includes a computer terminal 40 for a particular investment provider, a computer terminal A1 to An for a plurality of investment applicants, a website 44 and an auction. Investment management server 42, mail server 48, chat server 50, image chat server 52, bulletin board server 54, member information database 56, and investment information database equipped with a processing device 46 ( 58, a financial processing server 60, and a financial information database 62. As shown in FIG.

The specific investment operator computer terminal 40 is connected to the website 44 of the investment management server 42 online through an Internet communication network, investment products operated by a financial institution that the investment service provider is engaged or Disclosure of investment products operated as an individual investor will prepare and present basic requirements for the amount of goods, services, information or sales to be paid in lieu of the amount paid on the investment.

Here, the computer terminal 40 for the investment provider may present the size of the payment amount for the investment return, the goods to be paid, the type of service, the information, the goods to be paid, the service, and the presented price of the information as basic desired conditions. If it is desired to receive payment based on the applicant's sales performance instead of specific goods, services, and information, a predetermined percentage and payment period for the total sales performance can be presented.

On the other hand, in the computer terminal 40 for the investment business operator, if the user wants to receive the investment proceeds in an amount based on the sales results of the investment applicant under the basic desired conditions, the amount determined regularly from the total sales results as the payment amount It is also possible to present it.

In addition, when the successful bidder is selected by the bidding competition of the auction method for a particular investment product, the investment operator computer terminal 40 is an investment agreement written with the information determined according to the auction successful bid as the agreement investment management server Received from (42).

The plurality of investment applicant computer terminals A1 to An access the website 44 of the investment management server 42 online through an internet communication network, and present the investments presented by the investment operator computer terminal 40. Each of the basic desired conditions of the product is viewed, and a bidding competition for applying for investment is performed based on the basic desired conditions.

Here, the bidding item, which is a bidding competition based on the basic desired conditions presented by the investment service provider in the plurality of computer terminals for investment applicants A1 to An, is the size of the investment amount, goods and services to be paid as investment returns. The amount of payment is calculated according to the type of information, the goods to be paid, the service, the price of the information, and the amount of payment calculated according to the sales.

In addition, a computer terminal of a specific investment applicant who has been auctioned out in the bidding competition among the plurality of investment applicant computer terminals (A1 to An) through the investment management server 42, the computer terminal for the investment provider computer (40) You will receive an investment agreement prepared by us and perform the final investment agreement process online.

On the other hand, in the specific investment operator computer terminal 40 and the plurality of investment applicant computer terminals (A1 to An) in the state of competition for bidding on the bidding, the e-mail exchange function, the chat function, Inquiry and consultation about investment matters can be conducted online by using video chat function and bulletin board information registration function, and mutual information exchange on investment matters through voice / text communication or wireless Internet using mobile communication terminal This is made possible.

In the figure, the investment management server 42 receives the basic desired conditions for a specific investment product from the computer terminal 40 for the investor via the website 44 to generate auction disclosure web page, The auction processing device 46 allows the bidding competition of the investment items by the plurality of investment applicant computer terminals A1 to An to be carried out, and when the auction closing time elapses, Investment applicants who bid on the basic conditions of the investment product are selected as the most reasonable conditions, and the bidders are selected and the investment agreements for the successful bidding items are written and the successful bidder's computer terminal and the investor's computer terminal (40). By sending the final investment agreement will be made online on the website (44).

Here, the auction processing device 46 of the investment management server 42 in the investment terminal computer terminal 40, the amount of payment for the investment, the goods to be paid, the type of service, information, other than cash to pay The price of the goods, services, and information presented, and the amount of payments calculated according to sales results can be designated as bidable items as investment auctions, but only one specific bidding item or at least two bidding items can be specified. If the bidding process is specified by selectively designating a plurality of bidding items, and the bidding is applied to each bidding item, the applicants who satisfy the highest bidding item can be selected as successful bidders. .

The investment information database 58 stores information on basic desired conditions of a particular investment product presented by the investment service provider, and information on an investment agreement in which an agreement is made according to a successful bid result.

In addition, the financial processing server 60 and the financial information database 62 is arranged in a financial institution such as a credit card company or a bank, the investment agreement made by the auction method between the investment applicant and the investment service provider through the Internet communication network Through the direct debit account set in advance or a pre-specified deposit account, the deposit processing of the investment amount and the payment management for the payment of the investment amount are performed.

Next, a third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 5 is a diagram illustrating a network configuration of the ROI management system according to the interactive conditional disclosure according to the third embodiment of the present invention.

As shown in Figure 5, the investment return management system according to a third embodiment of the present invention, the amount of payment calculated according to the specific goods, services, information or sales performance other than cash for the investment between the investment applicant and the investment service provider The reverse auction method allows the investment agreement to be paid out to be paid.

In case of the reverse auction investment process, when a particular investor discloses the payment terms of goods, services, information, or sales amount other than cash to pay for the investment online through the Internet communication network, as a basic desired condition, Many investment service providers perform on-line bidding on the basis of the basic conditions of investment proposed by the investor on-line, and the desired condition proposed by the investor when the auction closing for such bidding competition is closed. The final bidder will be selected as the investment service provider that satisfies the agreement. The investment agreement between the successful investment service provider and the investment applicant will be made online.

In the figure, the ROI management system according to the third embodiment of the present invention includes a computer terminal 70 for a specific investment applicant, a plurality of computer terminals B1 to Bn, a website 74 and an auction. Investment management server 72, processing server 76, mail server 78, chat server 80, video chat server 82, bulletin board server 84, member information database 86, investment information database ( 88), a financial processing server 90, and a financial information database 92.

The specific investment applicant computer terminal 70 is connected to the website 74 of the investment management server 72 online through an internet communication network, and the amount to be invested through the website 74 and the investment amount. The basic auction conditions will be disclosed based on the amount of the payment amount, the amount and type of goods, services or information to be paid for the investment, and the payment amount calculated according to the sales performance. When a predetermined investment service provider is successful, a final investment agreement is made with the investment service computer computer terminal through the investment management server 72.

In addition, the plurality of investment operator computer terminals B1 to Bn disclose through the website 74 while being connected to the website 74 of the investment management server 72 online through an internet communication network. Inquiry of the basic desired conditions from the computer terminal 70 for the applicant for the investment, and based on the basic desired conditions to perform a competitive investment bidding according to the reverse auction method, respectively, predetermined investment services according to the passage of the reverse auction deadline When an investment bid is made for a business operator, a final investment agreement is made between the successful investor computer terminal 70 and the investment applicant computer terminal 70 under the management of the investment management server 72.

In this case, the bidding item in which the bidding competition is made based on the basic desired conditions proposed by the investor in the plurality of computer terminals B1 to Bn includes the amount of the payment amount for the investment, the goods and services to be paid. For example, the type of information, the goods to be paid, the service, the suggested price of the information, and the amount of payment calculated according to the sales performance.

In the same figure, the above-mentioned specific investment applicant computer terminal 70 and a plurality of investment operator computer terminals B1 to Bn have an e-mail exchange function or chat with each other in a state of competition for bidding in reverse auction. Inquiry and consultation about investment matters can be carried out online by using the function, video chat function and bulletin board information registration function, and mutual investment in investment matters through voice / text communication or wireless internet using mobile communication terminal. Information exchange is possible.

The investment management server 72 receives the basic desired condition for the investment item from the investment applicant computer terminal 70 through the website 74 to generate a reverse auction disclosure web page, and the auction processing device 76 The bidding competition for the investment items by the plurality of computer terminals B1 to Bn is carried out by the operation of the bank and the basic desired condition of the investment product proposed by the investment applicant after the auction closing time has elapsed. The investment service provider who bids on the most reasonable terms for the bidding is selected, and the successful bidding is made, and the investment agreement for the successful bidding item is prepared and transmitted to the successful investment computer computer terminal and the investment applicant computer terminal 70. The investment agreement will be made online on the website 74.

Here, the auction processing device 76 of the investment management server 72, the amount of the payment amount for the investment announced in the computer terminal 70 for the applicant, and the kind of goods, services, information to be paid, to pay The price of goods, services, and information presented, and the amount of payment calculated according to sales results can be designated as an item that can be bid as an investment auction, but only one specific bidding item can be specified, or at least two bidding items can be specified. If the bidding process is specified by selectively designating and a plurality of bidding items are designated, weighting is applied to each bidding item so that an investment service provider that satisfies the highest bidding item can be selected as a successful bidder. .

In the figure, the investment information database 88 stores information on basic hope conditions for investments presented by the investment applicant, and information on investment agreements in which an agreement is made according to a successful bid result.

In addition, the financial processing server 90 and the financial information database 92 is arranged in a financial institution such as a credit card company or a bank, the investment commitment made by the reverse auction method between the investment applicant and the investment service provider through the Internet communication network Through the direct debit account set in advance or a pre-specified deposit account, the deposit processing of the investment amount and the payment management for the payment of the investment amount are performed.

Next, a fourth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 6 is a diagram schematically showing the overall information processing flow of the ROI management system according to the interactive conditional disclosure according to the fourth embodiment of the present invention.

As shown in FIG. 6, according to the investment return management system according to the present invention, the affiliated store performs an investment application by accessing the investment management system online through an information communication network such as an internet communication network. It will send the investment application information of the amount, dividend rate and payment period of the investment, and request the disclosure of the merchant's sales to the value-added network management system that is responsible for approving the transaction of the merchant's card sales on the value-added network. .

Here, the merchant refers to all various commerce stores that sell tangible or intangible goods or paid services, such as various membership cards, electronic money, etc., which can be paid based on the credit of an individual or a corporation, including a credit card. It is a store that can purchase products using credit media.

In the drawing, the affiliated store performs an investment application for the investment management system online through an information communication network, and transmits the store information, that is, the operating plan and the expected sales size information, for the affiliated store in a data file. The value-added network management system calculates the sales records of various credit cards, membership cards, and electronic money for the sale of goods through the value-added networks in response to the request for disclosure of sales from the affiliated stores, and the merchant sales according to the sales results. Information is prepared and provided online to the investment management system.

The investment management system accepts the investment application of the affiliated store, stores information such as an operation plan and expected sales size information, and affiliated store sales information received from the value added network management system, and the amount of the investment amount according to the investment application, dividend rate, and payment. The information is written in the form of an Internet web page with the information of the period, and published on a website accessible through the information communication network.

Meanwhile, an investment provider holding a certain amount of investment accesses a website established in the investment management system online through an information and communication network and inquires about the investment application status of the affiliated store. The merchants will be contacted online or offline to adjust and negotiate investment conditions.

Herein, the investment provider includes both an investment corporation, an investment corporation such as a bank, a credit card company, and the like, and an individual investor.

When the investment management system requests the conclusion of a mutual investment agreement online as a result of performing the investment condition adjustment and consultation process between the merchant and the investment provider, the investment management system exchanges an electronic document with security information on the Internet web with the corresponding merchant. Ensure that mutual investment agreements are concluded between investment providers, and provide the amount and dividend rate of the investments determined by such investment agreements, information on the terms of payment, and personal information of the investment provider (ie the account number of the investment to be paid). Done.

In this state, when the value-added network management system performs an authorization request for payment of a credit medium such as a credit card, a membership card, or electronic money through a value-added network as a result of sales of goods sold in the affiliated store, In addition to payment approval processing, a payment of the amount of the dividend rate determined according to the investment agreement from the sales amount of the processed product is paid as the investment to the payment account of the investment provider.

Next, FIG. 7 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the fourth embodiment of the present invention.

As shown in FIG. 7, the ROI management system according to the fourth exemplary embodiment of the present invention includes a plurality of affiliated stores C1 to Equipped with affiliated network terminals D1 to Dn and card inquiry terminals E1 to En, respectively. Cn), a plurality of investor network terminals (F1 to Fn) operated by a plurality of investment providers, investment management server 100, investment information database 102, contract information database 104, value added network management server, respectively. 106, a sales information database 108, a credit card management server 110, and a financial settlement server 112.

In the same figure, the plurality of affiliated network terminals D1 to Dn provided in each of the affiliated stores C1 to Cn access the investment management server 100 through an internet communication network, and the investment application information for attracting investments of the affiliated stores. It is to transmit the store information, such as the operating plan and expected sales size information of the merchant, and access the value-added network through the Internet communication network to disclose the sales history of the merchant to the value-added network management server 106 Will be asked.

The plurality of affiliated network terminals D1 to Dn perform a process of adjusting and discussing investment conditions online through an internet communication network with a specific investment provider connected through the investment management server 100. Consultation by voice call, or consultation by voice / video using image chat tool constructed as web content of the investment management server 100, and investment consultation by text input through text chat. Let's proceed. On the other hand, when the plurality of affiliated stores (C1 ~ Cn) is connected to a specific investment provider for the investment announcements through the investment management server 100, the offline consultation with the investment provider directly proceeds, or wired / wireless It is also possible to conduct investment consultations remotely by telephone.

In addition, in the plurality of affiliated network terminals D1 to Dn, when an investment agreement is made by proceeding with investment adjustment and consultation through online or offline with the specific investment provider, the investment management server 100 Receiving an investment agreement document including security information, the agreement with the specific investment provider, that is, the investment agreement for information on the amount of investment, dividend rate, payment period, etc., is concluded online.

Here, when the plurality of affiliated network terminals D1 to Dn disclose the minimum condition for attracting investment through the investment management server 100 online, the plurality of affiliated network terminals F1 to Fn It is possible to apply an auction method in which an investor who presents the optimal condition by competitively presenting the investment condition is successful and the final investment agreement is concluded.

In addition, contrary to the auction method, if a desired condition including an investment amount is disclosed in a specific investor network terminal among the plurality of investor network terminals F1 to Fn online through the investment management server 100, the It is also possible to apply a reverse auctioning scheme in which a plurality of affiliated network terminals C1 to Cn offer competitive investment conditions, bid the franchisees who have suggested the optimal conditions, and finally conclude the investment agreement.

In the card inquiry terminals E1 to En of the affiliated stores C1 to Cn, when a card settlement item for a product sold by each affiliate store C1 to Cn occurs, it is connected to the value added network server 106 through the value added network. A card payment authorization is requested by transmitting card information and payment information such as a credit card, membership card, or electronic money of a consumer who wants to purchase a product. That is, the card sales performance of the card payment approval through the card inquiry terminals E1 to En of each affiliated store C1 to Cn is aggregated by the value added network management server 106 to the specific investor and the dividend rate agreed upon. As a result, investment payments are made.

In the figure, the plurality of investor network terminals F1 to Fn are connected to the investment management server 100 through an internet communication network and are provided from the plurality of merchant network terminals D1 to Dn published on the Internet web. Inquiry on investment application information, store information, and sales information for attracting investment, and the process of adjusting and discussing investment conditions with affiliated network terminals that disclose information appropriate for investment, proceeds online or offline, and manages the investment management server (100). The information on the final investment agreement will be prepared on the internet website established in the).

In addition, the investment management server 100 is to perform investment attraction, investment agreement conclusion and investment information management for the affiliated stores (C1 to Cn), and investment from the plurality of affiliated network terminals (D1 to Dn). When the investment application for attraction is performed, the store information for each affiliate store C1 to Cn is received, and the sales history information for each affiliate store C1 to Cn from the value added network management server 106 through the value added network. Receives and receives the investment application information with the information on the investment desired amount, dividend rate and payment period in a form that can be published on the web page of the website, the specific of the plurality of investors network terminal (F1 ~ Fn) When the investor network terminal requests the conclusion of the investment agreement, the investment agreement webpage information of the Internet website is displayed in each merchant network terminal and the investor network terminal. Transmitted so that the final investment agreement signed.

Here, the investment management server 100 adjusts and negotiates the investment conditions for the investment agreement online between the plurality of merchant network terminals D1 to Dn and the plurality of investor network terminals F1 to Fn. In order to perform, the web page for image chat and text chat is provided on the Internet website so that mutual image information and text information can be exchanged, and a bulletin board web page for public and private use is provided.

In addition, the investment management server 100 is a plurality of merchant network terminals (D1 ~ Dn) when the information on the minimum conditions of the investment in a particular merchant network terminal, through the Internet website, for a number of investors By bidding competitively on the investment conditions such as investment amount and dividend rate based on the minimum condition in the network terminals F1 to Fn, the investor's network terminal which presents the optimal bid information after the specific deadline has passed It is possible to apply an auction method to make it work.

In addition, when the investment management server 100 discloses information on the desired conditions of the investment in a specific investor network terminal among the plurality of investor network terminals F1 to Fn on the Internet website, The reverse auction allows the network terminals D1 to Dn to bid for the desired conditions competitively based on the desired conditions of the investment, so that a certain deadline passes and the network terminal for the affiliated store that has presented the optimal bid information. It is also possible to apply the method.

The investment information database 102 includes investment application information for attracting investment from the plurality of affiliated network terminals C1 to Cn, store information such as an operation plan and expected sales size information, and the value-added network management server 106. Sales information of each affiliated store (C1 to Cn) (that is, the affiliated store that wishes to attract investment) provided from) is stored, and the minimum condition information of the investment from the affiliated network terminal according to the attracted investment of the auction method, The bid information from the investor network terminal is stored, the desired condition information of the investment from the investor network terminal according to the inducement of the reverse auction, and the bid information from the merchant network terminal are stored.

The agreement information database 104 is an investment agreement agreed through the process of adjusting and negotiating the investment conditions through online or offline with the merchant network terminals D1 to Dn and the plurality of investor network terminals F1 to Fn. Information on the investment agreement and data of the investment agreement are stored, and the payment information of the investment amount paid by the investment dividend rate and the payment period is stored.

In the figure, the value-added network management server 106 at each affiliated store (C1 to Cn) according to the sales history disclosure request for investment attraction from the plurality of affiliated network terminals D1 to Dn through the value-added network. The product sales sales history of payments made through a credit card, various membership cards, or electronic money are counted, and the sales history information is transmitted to the investment management server 100.

In addition, the value-added network management server 106 receives from the investment management server 100 the information of the agreements (that is, the amount of investment amount and the dividend rate and the payment period) according to a particular merchant and the investor to enter into an investment agreement. When the payment is made through a credit card, various membership cards, or electronic money at the affiliated store, payment is made to pay the investor to the investor who made an investment agreement as the amount of dividends from the daily sales of goods. Perform the process.

The sales information database 108 stores the information of the amount of merchant sales according to the result of the product purchase settlement through a credit card, various membership cards, or electronic money in each affiliate store (C1 to Cn), and each affiliate store (C1). Information on the amount of investments and dividends calculated by the investment agreement between Cn) and the investors and the size of the payback calculated by the payment period is stored.

In the same figure, the credit card management server 110 approves the payment for the purchase of a credit card through the value-added network management server 106 from the card inquiry terminals E1 to En of the respective merchants C1 to Cn. Upon request, the credit information of the credit card is inquired to perform card payment approval processing through the value added network management server 106.

Here, the credit card management server 110 according to the investment agreement between the merchant and the investor at the request of the value-added network management server 106 for the card payment amount using the credit card of each affiliate store (C1 ~ Cn) A processing is performed to pay the investor's payout of the contracted dividend to the investor in a predetermined period of time (eg daily).

In addition, the financial settlement management server 112 pays the payback of the dividend rate between the affiliated stores C1 to Cn and the investor to the deposit account of the investor under the request for payment of the amount of the value added network management server 106. Carry out a financial settlement process to ensure that the

Next, an operation according to the fourth embodiment of the present invention made as described above will be described in detail with reference to the flowcharts of FIGS. 8A and 8B.

First, the fourth embodiment of the present invention will be described in detail with reference to the flowchart of Figure 8a the process of making an investment agreement and investment payment in the auction method.

First, among a plurality of merchant network terminals C1 to Cn, a specific merchant network terminal accesses an Internet website of the investment management server 100 through an internet communication network and performs an investment application for attracting investment to the affiliated store. (D30), access to the value-added network management server 106 through the value-added network to request the disclosure of the information of the merchant sales made by the merchant using the credit card or various membership cards or electronic money ( D31).

Accordingly, the value added network management server 106 extracts the sales information of the affiliated store from the sales information database 108 and provides it to the investment management server 100 through the value added network (D32).

In that state, the specific merchant network terminal presents the minimum conditions for attracting investment on the website of the investment management server 100, that is, the investment conditions such as the amount of investment and the dividend rate and payment period (D33), The investment management server 100 processes the minimum condition of the investment received from the affiliated store network terminal and the sales information of the affiliated store received from the value added network management server 106 to auction for investment attraction on the Internet website. Disclosure will be made as information.

At this time, a plurality of investor network terminals (F1 ~ Fn) is connected to the website of the investment management server 100 through the Internet communication network to query the investment application published on the web page (D34), the specific Based on the minimum conditions of investment announced by the merchant network terminal, bidding competitions for adjusting investment amount, dividend rate, and payment period are performed respectively (D35).

In this state, the investment management server 100 when the auction is closed as the predetermined investment auction period elapses (D36), the amount of investment and the dividend rate from the minimum condition of the investment announced from the specific merchant network terminal In this case, the investor network terminal that satisfies the conditions such as the payment period is determined as the final successful bidder, and the information indicating whether the successful bidder is transmitted to the investor network terminal is transmitted (D37).

In addition, the investment management server 100 transmits the information of the investor determined as a successful bidder while notifying the successful bidder information to the specific affiliated network terminal (D38).

Accordingly, the investment management server 100 transmits the investment agreement attached with security information so that the investment agreement is concluded between the merchant network terminal and the successful investor network terminal through the website, and the final investment agreement is concluded. (D39), and investment agreement information according to the investment agreement is transmitted to the value-added network management server 106 (D40).

On the other hand, in a merchant that has an investment agreement with a given investor through the auction method, when a predetermined customer purchases a product and wants to pay the purchase price with a credit card, a membership card, or an electronic money, Through the value-added network through the value-added network management server 106 to perform the card payment approval request (D41), the value-added network management server 106 credits if the payment authorization request from the card inquiry terminal of the merchant credit card The payment management request is performed to the card management server 110 to transmit the card payment approval information to the card inquiry terminal (D42).

In this state, the value-added network management server 106, when the investment commitment payment period (for example, daily payment) between the particular merchant and the investor arrives, the investment of the dividend rate committed to the credit card management server 106 The recovery can be deposited into the deposit account opened by the investor (D43), and the information indicating the payment state of the investment recovery is transmitted to the investment management server 100 (D44).

Accordingly, when the investment management server 100 receives the information indicating the payment state of the investment funds from the value-added network management server 106, the investment management server 100 e-mails the information indicating that the investment recovery has been successfully paid to the network terminal of the affiliated store. In the form of a notification, or posted on a private member notification web page of the website (D45).

Next, with reference to the flow chart of Figure 8b will be described in detail the process of making the investment payment by the investment agreement of the reverse auction method.

First, among a plurality of investor network terminals F1 to Fn, a specific investor network terminal accesses an internet website of the investment management server 100 through an internet communication network and requests a merchant to invest in a predetermined merchant. (D50), the conditions for the investment, such as the size of the investment amount, the dividend rate, and the payment period will be presented (D51).

Accordingly, the investment management server 100 processes the information on the desired condition of the investment received from the specific investor network terminal and discloses the reverse auction information on the reverse auction web page of the Internet website.

On the other hand, a plurality of merchant network terminals (C1 ~ Cn) is connected to the website of the investment management server 100 through the Internet communication network to query the investor's desired conditions posted on the reverse auction web page (D52) In addition, access to the value-added network management server 106 through the value-added network to request the disclosure of the information of the merchants made payment using the credit card, various membership cards or electronic money in the merchant (D53).

Thus, the value added network management server 106 extracts the sales information of the affiliated store from the sales information database 108 and provides it to the investment management server 100 through the value added network (D54).

Subsequently, in the plurality of affiliated network terminals C1 to Cn, bidding competitions for adjusting the size, dividend rate, payment period, etc., based on the desired conditions of the investment disclosed by the specific investor network terminal, respectively. (D55).

In this state, the investment management server 100, if a predetermined end of the reverse auction period is completed (D56), the size of the investment from the desired conditions of the investment announced from the specific investor network terminal, Determining the merchant network terminal that optimally satisfies the conditions such as the dividend rate and the payment period as the final successful bidder, and transmitting the information informing the merchant network terminal of the successful bidder (D57), and for the investor who requested the investment The network terminal also provides information on the winning affiliates (D58).

Accordingly, the investment management server 100 transmits the investment agreement attached with security information so that the investment agreement is concluded between the merchant network terminal and the successful investor network terminal through the website, and the final investment agreement is concluded. (D59), and the investment agreement information according to the investment agreement is transmitted to the value-added network management server 106 (D60).

On the other hand, in a merchant that has an investment agreement with a given investor through the auction method, when a predetermined customer purchases a product and wants to pay the purchase price with a credit card, a membership card, or an electronic money, Through the value-added network through the value-added network management server 106 to perform the card payment approval request (D61), the value-added network management server 106 credits if the payment authorization request from the card inquiry terminal of the merchant credit card The payment management request is performed to the card management server 110 to transmit the card payment approval information to the card inquiry terminal (D62).

In this state, when the payment term of the investment agreement between the particular affiliated store and the investor arrives, the payback of the dividend rate committed to the credit card management server 106 is opened by the corresponding investor. It is possible to process the deposit in one deposit account (D63), and transmits the information informing the status of the payment of the investment recovery to the investment management server 100 (D64).

Accordingly, when the investment management server 100 receives the information indicating the payment state of the investment funds from the value-added network management server 106, the investment management server 100 e-mails the information indicating that the investment recovery has been successfully paid to the network terminal of the affiliated store. In the form of a notification, or posted on a private member notice web page of the website (D65).

Next, a fifth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 9 is a diagram illustrating the overall information processing flow of the ROI management system according to the interactive conditional disclosure according to the fifth embodiment of the present invention.

As shown in FIG. 9, according to the present invention, the affiliated store performs a loan application by accessing a loan investment management system online through an information communication network such as an internet communication network, and the amount of loans generated according to the loan application. The loan application information of the interest rate and repayment period will be transmitted, and the member's sales history will be disclosed to the value added network management system that is responsible for approving the transaction of the affiliated card on the value added network.

The merchant refers to all various commerce stores that sell tangible or intangible goods or paid services, and various credit cards such as various membership cards, electronic money, etc., which allow payment services based on the credit of an individual or a corporation, including credit cards. It is a store that can purchase goods using.

On the other hand, the value-added network management system calculates sales records of various credit cards, membership cards, and electronic money for the sale of goods through the value-added network in response to the request for disclosure of sales from the affiliated stores, According to the merchant's sales information is created and provided to the loan investment management system online.

The loan investment management system writes the merchant sales information received from the value-added network management system according to the loan application of the merchant, on the Internet web page together with the amount of the loan, the interest rate, and the repayment period. It will be published on a website that can be accessed through the information network.

Meanwhile, a loan investment provider having a certain amount of financial resources accesses a website established in the loan investment management system online through an information and communication network, and inquires about the loan investment application status of the affiliated store, and the merchant that wants to make a loan investment. If this is designated, the merchant will be contacted online or offline to adjust and negotiate the loan terms.

Herein, the loan investment provider includes both a loan corporation such as a credit loan company, a bank, a credit card company, etc., and an individual loan investor.

When the loan investment management system requests the conclusion of mutual loan agreements online as a result of the process of adjusting and negotiating the investment conditions between the merchant and the loan investment provider, the loan investment management system responds by exchanging electronic documents with security information on the Internet web. The mutual loan agreement between the merchant and the loan investment provider is concluded, and the information on the amount and interest rate of the loan determined by the investment agreement, the terms of the repayment period, and the personal information of the loan investment provider are provided.

In this state, when the value-added network management system performs an authorization request for payment of a credit medium such as a credit card, a membership card, or electronic money through a value-added network as a result of sales of goods sold in the affiliated store, In addition to the settlement approval processing, the processing of repaying the amount of the interest rate and the principal of the loan determined in accordance with the loan agreement from the sales amount of the settlement processed product to the settlement account of the loan investment provider.

10 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the fifth embodiment of the present invention.

As shown in FIG. 10, in the fifth embodiment of the present invention, a plurality of affiliated stores G1 to Gn and a plurality of affiliated network terminals H1 to Hn and card inquiry terminals I1 to In are provided, respectively. A plurality of loan investor network terminals J1 to Jn, loan investment management server 120, loan information database 122, contract information database 124, and value-added network management server 126 respectively operated by a loan investment provider. , A sales information database 128, a credit card management server 130, and a financial settlement server 132.

In the figure, a plurality of merchant network terminals (H1 ~ Hn) provided in each of the affiliated stores (G1 ~ Gn) is connected to the loan investment management server 120 through the Internet communication network loan application information for the loan of the affiliated store It will be transmitted to the value-added network through the Internet communication network request the value-added network management server 126 to disclose the sales history of the affiliated store.

In the plurality of merchant network terminals H1 to Hn, the loan terms are adjusted and negotiated online through an internet communication network with a specific loan investment provider connected through the loan investment management server 120. Consultation by voice call using a telephone, or consultation by voice / picture using a video chat tool constructed as web content of the loan investment management server 120, and by text input through text chat Proceed with the loan agreement. On the other hand, when the plurality of affiliated stores (G1 ~ Gn) is connected to a specific loan investment provider for the loan announcements through the loan investment management server 120, the offline consultation with the loan investment provider directly proceeds, or It is also possible to conduct loan agreements remotely through wired / wireless telephones.

In addition, in the plurality of affiliated network terminals H1 to Hn, when a loan agreement is made by adjusting a loan condition through online or offline with the specific loan investment provider and proceeding with consultation, the loan investment management server ( 120, the loan agreement document containing the security information is received, and the loan agreement for the contents of the agreement with the specific loan investment provider, that is, the amount of the loan amount, interest rate, repayment period, and the like, is entered online.

Here, when the plurality of merchant network terminals H1 to Hn disclose the minimum conditions for the loan through the loan investment management server 120 online, the plurality of loan investor network terminals J1 to Jn. It is possible to apply the auction method in which the lending investment provider who presented the optimal condition by bidding the loan condition competitively bids and the final loan agreement is concluded.

Further, in the fifth embodiment of the present invention, among the plurality of lending investor network terminals J1 to Jn, the lending investment includes a desired condition including information such as the size of the loan amount, interest rate and repayment period, etc. in the lending investor network terminal. When the online disclosure through the management server 120, the plurality of merchant network terminals (H1 ~ Hn) to present a competitive loan desired conditions, bidding the merchants who presented the optimal conditions finally the loan agreement It is also possible to apply a reverse auction method to be fastened.

In the card inquiry terminals I1 to In of each of the affiliated stores G1 to Gn, when a card settlement item for a product sold by each affiliated store G1 to Gn occurs, it is connected to the value added network server 126 through the value added network. The card payment authorization is requested by transmitting card information and payment information such as a credit card, various membership cards, or electronic money of a consumer who wants to purchase a product. That is, the card sales performance of the card payment approval through the card inquiry terminals I1 to In of each affiliate store G1 to Gn is aggregated by the value added network management server 126, and the interest rate agreed with the specific loan investor is loaned. The amount of the loan and the principal will be repaid according to the repayment period.

In the figure, the plurality of loan investor network terminals J1 to Jn access the loan investment management server 120 through an internet communication network and the plurality of merchant network terminals H1 to Hn published on the Internet web. Loan investment management server 120 to query the loan application information and sales history information for the loan from the borrowing process and online and offline loan conditions adjustment and consultation process with the network terminal for the merchant that discloses the appropriate information for the loan On the Internet website established in the company, information is written to conclude the final loan agreement.

In addition, the loan investment management server 120 is to perform the disclosure of the loan application information for the affiliated stores (G1 ~ Gn) and the execution of loan agreements and management of the loan information, the plurality of merchant network terminals (H1 ~) When the loan application for loan induction is performed from Hn), the sales value information of each affiliate store C1 to Cn is received from the value added network management server 106 through the value added network, and the loan desired amount, interest rate, and repayment period are In addition to the loan application information with the information is posted on the web page of the website in a form that can be published, among the loan terminal network terminals (F1 ~ Fn) of the loan terminal network agreement for the conclusion of the loan agreement Upon request, the loan agreement webpage information of the Internet website is transmitted to each merchant network terminal and loan investor network terminal. So that the fastening arrangements.

Here, the loan investment management server 120 adjusts the loan conditions for the loan agreement online between the plurality of merchant network terminals H1 to Hn and the plurality of loan investor network terminals J1 to Jn. In order to be able to carry out the consultation, a web page for image chat and text chat is provided on the Internet website so that image and text information can be exchanged with each other, and a bulletin board web page for public and private use is provided.

In addition, the loan investment management server 120 when the public information on the minimum conditions of the loan in a particular merchant network terminal of the plurality of merchant network terminals (H1 ~ Hn) through the Internet website, a plurality of loans Loan investor who has presented the optimal bid information after a specific deadline by competitively conducting bidding competition in terms of loan size and interest rate based on the minimum conditions in the investor network terminals J1 to Jn. It is possible to apply an auction method for winning the network terminal.

In addition, when the loan investment management server 120 discloses information on a desired condition of a loan on a specific loan investor network terminal among the plurality of loan investor network terminals J1 to Jn on the Internet website, By bidding competitively with the desired condition based on the desired condition of the loan in the merchant network terminal H1 to Hn, the merchant network terminal that presents the optimal bid information after a certain deadline has passed. It is also possible to apply a reverse auction method.

The loan information database 122 includes loan application information for attracting loans from the plurality of affiliated network terminals H1 to Hn, and each of the affiliated stores G1 to Gn provided from the value added network management server 126. The sales history information is stored, the minimum condition information of the loan from the merchant network terminal according to the auction type loan attraction, and the successful bid information from the network terminal for the loan investor are stored. Desired condition information of the loan from the investor network terminal and successful bid information from the merchant network terminal are stored.

The agreement information database 104 is a loan agreement agreed through online or offline loan condition adjustment and consultation process between the merchant network terminals H1 to Hn and the plurality of loan investor network terminals J1 to Jn. The information on the matters and the data of the loan agreement are stored, and the repayment information of the loan repaid by the interest rate and the repayment period for the loan promised loan is stored.

In the figure, the value-added network management server 126 in each affiliate store (G1 ~ Gn) according to the sales history disclosure request for investment attraction from the plurality of merchant network terminals (H1 ~ Hn) through the value-added network The product sales sales history of payments made through a credit card, various membership cards, or electronic money are counted and transmitted to the loan investment management server 120.

In addition, the value-added network management server 126, from the loan investment management server 120, the information of the agreements (ie, the size and interest rate of the loan and the repayment period) of the particular merchant and the loan investor entered into the loan agreement from the loan investment management server 120 Receiving the payment, the merchant receives payment through the credit card, various membership cards or electronic money, and the loan with the loan payment of the partial payment of the loan and the interest rate Perform payment processing to repay the investor.

The sales information database 128 stores the information of the amount of merchant sales according to the result of the product purchase settlement through a credit card, various membership cards, or electronic money at each affiliate store (G1 to Gn), and each affiliate store (G1). Information on the size of loans and loan repayments calculated according to interest rates and repayment periods is stored.

In the same figure, the credit card management server 130 approves payment for the purchase of a credit card through the value-added network management server 126 from the card inquiry terminals I1 to In of each affiliate store G1 to Gn. Upon request, the credit information of the credit card is inquired to perform card payment approval processing through the value added network management server 126.

Here, the credit card management server 130 in accordance with the request of the value-added network management server 126 for the card payment amount using the credit card of each affiliate store (G1 ~ Gn) in the loan agreement between the merchant and the loan investor Accordingly, a process for repaying the contracted loan amount and the interest rate amount to the loan investor in a predetermined period unit (for example, daily unit) is performed.

In addition, the financial settlement management server 132 corresponds to the amount of the partial repayment of the loan and the interest rate of the loan promised between each affiliated store G1 to Gn and the loan investor under the request for payment of the amount of the value added network management server 126. A financial settlement process is performed to ensure repayment to the borrower's deposit account.

Next, a sixth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

That is, FIG. 11 is a diagram illustrating the overall information processing flow of the ROI management system according to the interactive conditional disclosure according to the sixth embodiment of the present invention.

As shown in FIG. 11, in the sixth embodiment of the present invention, investment is attracted to a predetermined investor at a merchant that sells tangible or intangible goods by credit settlement using various credit cards, membership cards, or electronic money. In the case where the investment agreement is executed online through the information and communication network between the merchant and the investor, and a certain amount of investment is paid, the information on the amount, the dividend rate and the payment period of the investment according to the investment agreement made between the merchant and the investor is based. In this way, a certain share of the franchise is formed, and such share is formed in the form of a fund, allowing free online trading between investors under the merchant fund trading system system existing through the information and communication network.

In the figure, the affiliated store accesses the investment management system online through an information communication network such as an internet communication network, determines the amount, dividend rate, and payment period of the investment to attract the affiliated store's investment, and executes an investment application, and establishes a value-added network. Through the access to the value-added network management system through the merchant's credit card, membership card or electronic money to request the disclosure of the sales of the product sales settlement is made.

In this state, the value-added network management system prepares the sales history information of the affiliated store according to the sales history disclosure request of the affiliated store and transmits the sales history information to the investment management system through the value-added network, and the investment management system invests from the affiliated store. The application information and the affiliated store sales information from the value-added network management system are processed and disclosed to be available for inquiry online.

Meanwhile, among a plurality of investment providers, a particular investment provider accesses an investment management system online through an information communication network and inquires about the investment application status of the affiliated store. Through the process of adjusting and negotiating investment conditions,

In the investment management system, when an investment condition adjustment and consultation process is completed online or offline between the merchant and a specific investment provider, the investment agreement is concluded online between the merchant and the investment provider, and the agreement information according to the investment agreement is concluded. That is, information on the size, dividend rate and payment period of the investment is transmitted to the value added network management system.

Thus, the value-added network management system based on the investment agreement information received from the investment management system, a certain dividend rate for a sale using a credit card, various membership cards or electronic money generated at the investment commitment affiliated stores (E.g., daily payments) to the investment provider as investment proceeds.

In this state, an investment provider who has invested a certain investment in the affiliated store requests a registration procedure for operating the stake secured in accordance with the investment of the affiliated store in the investment management system as an investment fund, and in the investment management system, the affiliated store Access to the fund trading system, register the shares of the merchants requested by the investment provider as investment funds, and analyze the development potential and the return rate of the industry for the merchants that attracted the investment provider. Information on the amount and remaining payback period is prepared and provided to the merchant fund trading system as the merchant investment analysis information.

In this case, the investment analysis information generated in the investment management system may be made based on analysis data collected from an external research company or an economic analysis company.

Accordingly, an investment provider who owns a merchant share of an investment fund registered in the merchant fund trading system performs an online selling order of a merchant investment fund through the merchant fund trading system, and the investment provider who owns the merchant share A number of investment providers except for accessing the merchant fund trading system through the information and communication network to query the investment analysis information written for the merchants of the investment fund made the sell order, and perform the purchase order online. In other words, each investment provider can be freely transferred online through mutual selling orders and purchase orders by converting a certain share secured through the merchant's investment through the merchant fund trading system.

In the merchant fund trading system, at the time of selling / buying transactions of merchant investment funds between the investment providers, electronic authentication is performed on transactions of investment funds that are sold and bought. When the operation for the conclusion of the agreement is performed, it is possible to issue an electronic certificate having security information to each investment provider online through the information communication network, and the issuance status of the electronic certificate according to the investment fund's sell / buy contract Notify the management system.

12 is a diagram showing the network configuration of the ROI management system according to the interactive conditional disclosure according to the sixth embodiment of the present invention.

As illustrated in FIG. 12, the ROI management system according to the interactive conditional disclosure according to the sixth embodiment of the present invention includes a network terminal 132 and a card inquiry terminal 132 for a merchant provided in a predetermined affiliate store 130. ), Investment management server 136, investment information database 138, contract information database 140, value-added network management server 142, sales information database 144, credit card management server 146, financial settlement management A server 148, a fund transaction management server 150, a fund information database 152, a fund transaction information database 154, and an investor network terminal K1 to Kn.

In the figure, the merchant network terminal 132 is connected to the investment management server 136 through the Internet communication network to transmit the investment application information for investment attraction of the merchant 130, the operating plan and expectations of the merchant In addition to transmitting the store information such as sales size information, it is requested to disclose the sales history of the affiliate store 130 to the value added network management server 142 by accessing the value added network through the Internet communication network.

The affiliated network terminal 132 performs a process of adjusting and discussing investment conditions online through an internet communication network with a specific investment provider connected through the investment management server 136, or the operator of the affiliated store performs the corresponding investment offline. It is possible to conduct investment consultations with providers.

In addition, the merchant network terminal 132 includes security information from the investment management server 136 when an agreement on the investment is made by proceeding the investment adjustment and consultation through the online or offline with the specific investment provider After receiving the investment agreement document, the agreement with the specific investment provider, that is, the investment agreement on the information such as the amount of investment amount, dividend rate, payment period, etc. is entered into online.

In the card inquiry terminal 134 of the affiliated store 130, when a card settlement item for a product sold by the affiliated store 130 is generated, the customer who wants to purchase a product by accessing the value added network server 142 through the value added network Card payment authorization is requested by transmitting card information and payment information such as credit card, membership card, or electronic money, and the card sales result of the card payment approval being made through the card inquiry terminal 134 of the merchant 130. Is added by the value-added network management server 142 is paid out of the investment proceeds according to the specific investor and the dividend promised investment.

In the same figure, the plurality of investor network terminals K1 to Kn connect to the investment management server 136 through an internet communication network to attract investment from the merchant network terminal 132 published on the Internet web. The investment management server 136 by querying the investment application information, store information and sales history information, and proceeding with the investment conditions adjustment and consultation process with the affiliated network terminal 132, which discloses information appropriate for the investment, online or offline. Information on the final investment agreement will be prepared on the Internet website built in.

Among the plurality of investor network terminals K1 to Kn, the investor network terminal that has entered into an investment agreement with the affiliated store 130 has a stake in the affiliate store generated by the investment of the affiliated store 130 in the investment management server 136. Selling information for selling the investment fund registered in the fund transaction management server 150 by accessing the fund transaction management server 150 through the Internet communication network, and transmits information requesting the registration of the investment fund based on As the order information is transmitted, when an operation for selling / buying a predetermined investor network terminal and an investment fund is made, an electronic certificate for authenticating a transaction state of the investment fund is issued from the fund transaction management server 150. do.

In this case, the investor network terminal having no investment agreement with respect to the affiliated store 130 is connected to the fund transaction management server 150 through an internet communication network and registered with the fund transaction management server 150. The investment transaction information inquiry and purchase order information for the purchase of investment funds owned by the investment provider are performed, and when the agreement for the sale / buy transaction with the investor who owns the investment fund is made, the fund transaction management server ( 150, an electronic certificate is issued which authenticates the transaction status of the investment fund.

In the same figure, the investment management server 136 performs investment attraction, investment agreement conclusion, and management of investment information for the affiliated store 130, and registers an investment fund based on the investment share of the corresponding affiliated store 130. In order to generate processing and investment analysis information, when an investment application for investment attraction is performed from the affiliated network terminal 132, store information for each affiliated store 130 is received and the value added network is added. Receives the sales history information of each merchant 130 from the value-added network management server 142 and posts it on the web page of the website together with the investment application information having the investment desired amount, dividend rate and payment period information. If a request is made to enter into an investment agreement at a specific investor network terminal among the plurality of investor network terminals K1 to Kn, the Internet Transfer to investment commitments web pages on your site, each merchant network terminal and network terminals for investors and to ensure that the final investment agreement signed.

Here, when the investment management server 136 is requested to register the investment fund based on the investment stake from the investor network terminal that the investment share is generated by entering into an investment agreement with the affiliate store 130, the affiliate store By collecting the store information provided from the 130 and the sales history information from the value-added network management server 142 and the recovery status of the investment, the information analyzing the development potential and the return rate of the industry for the merchant 130 and In addition, the investment analysis information including information on the remaining amount of the investment proceeds and the remaining payback period is transmitted to the fund transaction management server 150 online, and then the investment fund for the equity stake of the affiliated store 130 is requested.

The investment management server 136 collects data collected from an external research company or an economic analysis company online through an internet communication network or is provided through offline when the investment analysis information is prepared, so that the investment management server 136 is prepared by referring to the data. It is desirable to.

The investment management server 136 changes the owner of the investment fund of the affiliated store 130 according to the sell / buy order of the investment fund registered in the fund transaction management server 150, the investor's investment in such a fund transaction. The change information is received from the fund transaction management server 150 and provided to the value added network management server 142.

The investment information database 138 provides investment application information for attracting investment from the affiliated network terminal 132, store information such as an operation plan and expected sales size information, and the value added network management server 142. Sales history information of the merchant 130 is stored.

The agreement information database 140 stores information on investment agreements concluded between the merchant network terminal 132 and a plurality of investor network terminals K1 to Kn, and data of the investment agreement. In addition, the payment information of the investment amount paid by the investment dividend rate and the payment period, and the registration information of the investment fund based on the investment interest formed by the investment amount are stored.

In the figure, the value-added network management server 142 according to the sales history disclosure request for attracting investment from the merchant network terminal 132 through the value-added network, the merchant 130 credit card or various membership card or The product sales sales history, which is settled through electronic money, is counted and the sales history information is transmitted to the investment management server 136.

In addition, the value-added network management server 142 receives from the investment management server 136 the information of the agreement as a specific merchant and the investor concludes the investment agreement, the credit card or various membership card in the merchant 130 Alternatively, when the settlement for the sale of goods through electronic money is made, payment processing is performed to pay the investor with an investment yield as the amount of the dividend rate promised in the daily sales of goods for sale.

Here, the value-added network management server 142 is a transaction for the investment fund of the merchant 130 in accordance with the sell / buy processing from the fund transaction management server 150 is made from the fund management from the investment management server 136 Upon receiving the investor's change information, the payment of the investment from the original investment agreement for the card sales generated by the merchant 130 is fixed to the deposit account of the changed investment provider according to a predetermined dividend rate (for example, on a daily basis). ) Will be processed.

The sales information database 144 stores the information of the merchant sales amount according to the result of the product purchase payment through the credit card, various membership cards or electronic money in the merchant 130, and the merchant 130 and Information on the amount of investment, the amount of dividends, and the amount of investment returns calculated by the payment period between investment providers is stored.

In the same figure, the credit card management server 146 according to the payment authorization request for the purchase of the credit card goods through the value-added network management server 142 from the card inquiry terminal 134 of each merchant 130, The credit information of the credit card is inquired to perform card payment approval processing through the value added network management server 142.

Here, the credit card management server 146 divides the payment rate according to the investment agreement between the merchant and the investor at the request of the value-added network management server 142 for the card payment amount using the credit card of the merchant 130 The proceeds of payment to the investor in a predetermined period of time (eg daily) are performed.

In addition, the financial settlement management server 148 may be paid to the deposit account of the investor of the dividend rate of investment promised between the merchant 130 and the investment provider under the request for payment of the value added network management server 142. Perform the financial settlement process.

In the figure, when the fund transaction management server 150 receives the investment fund registration request information of the investment stake held by a given investment provider from the investment management server 136 through the Internet communication network, the investment fund on the Internet communication network Postings are published in the form of a web document that can be published online, and the merchant investment analysis information created and transmitted from the investment management server 136 is disclosed online, and sold orders from the investor network terminal holding the investment fund. As a result, a buy / buy procedure with a network terminal for investors who want to buy the investment fund is performed.

In the fund transaction management server 150, when an agreement for a sell / buy transaction is made online between an investor network terminal having an investment fund and an investor network terminal that wants to buy the investment fund, Issuing an electronic certificate in the form of a security document to authenticate the sell / buy transaction contract of the investment fund to the network terminal, the electronic certificate of the sale / buy transaction of the investment fund to the investment management server 136 You will be notified of the issue status.

The fund information database 152 includes information on investment funds registered with respect to investment shares held by the investment provider and investment analysis information (ie, information on analyzing the possibility of development and return rate of the industry for the merchant 130); Information including data on the remaining amount of investment proceeds and the remaining payback period), and the transaction information database 154 stores transaction information on the results of the sale / purchase of investment funds made between a plurality of investment providers. It is.

In the sixth embodiment of the present invention made as described above, when a predetermined investment provider enters an investment agreement on the investment management server 136 through an internet communication network for an affiliate store that sells a predetermined product, the investment provider makes an investment. Through the management server 136, the fund transaction management server 150 requests the investment fund registration of the investment interest generated by the investment agreement of the merchant.

When the fund trading management server 150 registers an investment fund for an investment stake held by the investment provider, the investment provider executes a sell-order order online through an internet communication network, and a predetermined investment provider provides the fund. When you view the investment analysis information for the merchant of the investment fund that made the sell order on the transaction management server 150 and apply for the sell order, the electronic authentication of the sell / buy transaction contract to each investment provider performing the sell and buy procedures A certificate is issued and changed to an investment provider purchased by the owner of the investment fund.

The fund transaction management server 150 transmits the changed investor information according to the sell / buy process of the investment fund to the value-added network management server 142 through the investment management server 136, and the value-added network management server 142 In the above), the investor's proceeds with a certain dividend rate with respect to the card sales amount of the affiliated store may be paid to the changed investment provider based on the investor change information.

It is a matter of course that the present invention having the above-described embodiments can be variously modified without departing from the technical spirit of the present invention without departing from the embodiments.

As described above, according to the present invention, an investment service provider consisting of an applicant for investment, an individual investor, and an enterprise investor online through an internet communication network according to specific goods, services, information and sales performance of the investment by mutually sufficient consultation process As the investment agreement is made so that the payment amount can be paid, the investment applicant can not only attract the desired investment in a short period of time, but also invest in a company or individual who can generate investment profit from the individual investor's point of view. It is possible to establish as an institutional device to proceed, and to contribute to the efficiency and vitalization of the investment market as a whole.

Claims (25)

In the investment system for entering into investment agreement for investment of investment between a given investment applicant and investment service provider, In place of the investment, an investment application disclosure subject to payment of investment returns calculated according to specific goods, services, information, and sales results is performed online through the information network, and investment is made through online consultation with the investment service provider. Network terminals for investment applicants to carry out commitments; An investment provider that performs an investment agreement online to receive payment of the investment in the form of a return on investment according to specific goods, services, information and sales performance through online consultation with the information terminal network of the investment applicant network terminal. Network terminal, An investment management system that manages the investment agreement between the investment applicant network terminal and the investment operator network terminal online through the information communication network and manages the payment of investment proceeds according to specific goods, services, information and sales performance on the investment. Management server, An information database for storing investment agreement information between the network terminal for the investment applicant and the network terminal for the investment provider, and detailed information on the payment status of the investment proceeds for goods, services, information, and sales, in addition to cash for the investment; An investment condition management system according to the interactive conditional disclosure, characterized in that it comprises a financial management server for managing the settlement of investment based on the investment agreement between the network terminal for the investment applicant and the network terminal for the investment provider. The system of claim 1, wherein the investment applicant network terminal comprises a computer terminal capable of exchanging information for investment agreement by multimedia communication through an information communication network. The investment return management system according to claim 1, wherein the network terminal for the investment applicant is made up of interactive web televisions capable of exchanging information for investment commitments by multimedia communication through an information communication network. The investment return management system according to claim 1, wherein the investment applicant network terminal comprises a mobile communication terminal capable of exchanging information for an investment agreement through multimedia communication through an information communication network. The investment according to the interactive conditional disclosure of claim 1, wherein the investment management server is configured to register the computer terminal for the investment operator as a membership member capable of inquiring personal information and personal credit information of the investment applicant. Revenue management system. The method of claim 1, wherein the investment management server further comprises a mail server, a chat server, a video chat server, a bulletin board server, The network terminal for the investment applicant and the network terminal for the investment provider may perform any one of an e-mail exchange function of the mail server, a chat function of a chat server, a video chat function of a video chat server, and a bulletin board information registration function of a bulletin board server. Investment return management system according to the interactive conditional disclosure, characterized in that it is made to proceed with the consultation for the investment agreement. In the investment system for entering into investment agreement for investment of investment between a given investment applicant and investment service provider, Present the desired conditions for payments according to certain goods, services, information and sales performance other than cash that you want to pay for the investment for a certain investment product online through the information network, and with the most reasonable terms for the above conditions. A network terminal for an investment provider that concludes an investment agreement with the bidding applicant, If the competitive bidding is carried out based on the desired conditions of the investment payment presented from the network terminal for investment operators through the information and communication network, and the successful bid is satisfied with the desired conditions of the investment payment, the network for the investment operators A network terminal for a large number of investment applicants that concludes an investment agreement online based on the successful payment conditions with the terminal, On the basis of the desired conditions of investment payment for investment products presented in the network for investment providers, the investment bidding of the network terminals for multiple investment applicants is managed, and as the deadline of the auction passes, An investment management server that bids the bidding network terminal for the bidder on the condition most suitable to the desired condition, and manages the investment agreement online at the investor network terminal and the investor network terminal based on the bidding information. Information database that stores the investment agreement information between the network terminal for the investment applicant and the network terminal for the investment provider, and detailed information on the payment status of the payment amount calculated according to the goods, services, information and sales performance other than cash for the investment And, Interactive conditional disclosure comprising a financial management server that manages the settlement of investment and investment payments based on the terms of the investment agreement made by the auction between the network terminal for the investment applicant and the network terminal for the investment provider. ROI management system. The method of claim 7, wherein the bidding items forming the most appropriate conditions for the investment payments include the size of the payment amount for the investment, the goods to be paid, the type of service and the information, the goods to be paid, the service and the presentation of the information. Investment return management system according to the interactive conditional disclosure, characterized in that corresponding to the size of the payment amount calculated according to the price, sales performance. [9] The investment according to the interactive conditional disclosure of claim 8, wherein the investment management server is configured to win the network terminal for the investment applicant who presented the highest bidding item by applying weights to the bidding items, respectively. Revenue management system. According to claim 7, wherein the investment management server further comprises a mail server, chat server, video chat server, bulletin board server, The plurality of network terminals for applicants for investment include the e-mail exchange function of the investment provider network terminal and the mail server, the chat function of the chat server, the video chat function of the video chat server, and the bulletin board information of the bulletin board server in the bidding competition. Investment return management system according to the interactive conditional disclosure, characterized in that to proceed with the consultation for investment bidding using any one of the registration function. The investment management server of claim 7, wherein the investment management server presents a point accumulation item in the investment agreement of the network terminal for the investment applicant, The investment applicant network terminal is applied to the point earning items on-line, the investment return management system according to the interactive conditional disclosure, characterized in that for performing the point accumulation to pay a part of the investment amount. 12. The system of claim 11, wherein the point accumulation item corresponds to advertisement viewing, survey response, and membership of a website on an information communication network. The method of claim 7, wherein the investment management server presents the purchase, subscription, pre-order items of a specific product on the investment agreement of the network terminal for the applicant, respectively, The investment applicant network terminal selects the purchase, subscription and pre-order item of a specific product presented online from the investment management server to apply for paying a partial amount of the investment. Revenue management system. A number of network terminals for merchants that transmit investment application information for attracting investments of each affiliate online through the information communication network, and conclude investment agreements online through discussion of investment conditions with a predetermined investment provider; In addition to the payment approval processing of the sales amount through the card medium generated in each affiliate through the value-added network, a number of merchant card inquiry terminals for a certain ratio of the sales amount to be paid out as investment proceeds, Multiple network terminals for investors to conclude investment agreements online through negotiation of investment conditions with merchant network terminals that have applied for investment online through information and telecommunications, and to receive the agreed return on investment according to a certain payment period , An investment management server for negotiating investment conditions between the plurality of merchant network terminals and the plurality of investor network terminals, managing investment agreements, and processing payments of investment returns; On the basis of the investment agreement information received from the investment management server, by a value-added information access for processing the settlement payment card with the merchant card inquiry terminal through the value-added amount of the investment proceeds in a certain ratio in the card sales amount unit Investment return management system according to the interactive conditional disclosure, characterized in that the value-added network management server for payment processing. The method of claim 14, wherein the plurality of merchant network terminals request the disclosure of sales details of the affiliated store to the value added network management server when the investment application to the investment management server, The value-added network management server is a return on investment management system according to the interactive conditional disclosure, characterized in that for generating sales history information of the affiliated store requesting the disclosure to the investment management server. 15. The method of claim 14, wherein the merchant network terminal presents the minimum conditions of investment for attracting investment to the investment management server, The plurality of investor network terminals perform online bidding competition of the investment conditions in consideration of the minimum conditions of the investment from the merchant network terminal published in the investment management server, The investment management server is configured to bid for the investor network terminal bidding the optimal investment conditions based on the minimum condition of the investment presented by the merchant network terminal when a certain investment auction deadline elapses. ROI management system based on disclosures. 15. The method of claim 14, wherein the investor network terminal proposes a desired condition for the investment of the merchant to the investment management server, The plurality of merchant network terminals perform bidding competition of investment conditions to attract investment in consideration of the desired conditions from the investor network terminal published in the investment management server, The investment management server is a two-way conditional disclosure, characterized in that configured to bid for the network terminal for the merchant that presented the optimal bid information based on the desired conditions presented by the investor network terminal, after a certain investment deadline auction deadline ROI management system. 15. The two-way conditional disclosure of claim 14, wherein the investment agreements resulting from the conclusion of the investment agreement between the merchant network terminal and the investor network terminal correspond to the amount of investment, the dividend rate, and the payment period of the investment return. ROI management system. The method of claim 18, wherein the payment period corresponds to a daily unit period, The value-added network management server is an investment return according to the interactive conditional disclosure, characterized in that the payment processing by converting the investment yield of a certain dividend from the card sales amount of the merchant approved payment through the merchant card inquiry terminal on a daily basis Management system. A number of merchant network terminals that transmit loan application information for attracting loans of each merchant online through the information communication network and conclude loan agreements online through discussion of loan conditions with a predetermined loan investment provider; In addition to the payment approval processing of the sales amount through the card medium generated at each affiliate through the value-added network, a number of merchant card inquiry terminals for repayment of the loan from the sales amount, For multiple loan investors to conclude loan agreements online through discussion of loan conditions with merchant network terminals that applied for loans online through information and communication networks, and to repay loan payments at a certain interest rate in units of payment period Network Terminal, A loan investment management server for negotiating loan conditions between the plurality of merchant network terminals and a plurality of loan investor network terminals, managing loan agreements and repayment processing of loans; On the basis of the loan agreement information received from the loan investment management server, a loan repayment period of a certain interest rate from the card sales amount by accessing information for card payment approval processing with the merchant card inquiry terminal through a value added network; Investment return management system according to the interactive conditional disclosure, characterized in that the value-added network management server for processing the repayment in units. The method of claim 20, wherein the plurality of merchant network terminals request the disclosure of sales details of the affiliated store to the value added network management server when a loan is applied to the loan investment management server. The value-added network management server is a return on investment management system according to the interactive conditional disclosure, characterized in that to generate the sales history information of the affiliated store requesting the disclosure to the loan investment management server. The method of claim 20, wherein the repayment period corresponds to a daily unit period, The value-added network management server converts the loan repayment of a certain interest rate from the card sales amount of the merchant that has been approved for payment through the affiliated card inquiry terminal, and repays the transaction on a daily basis. Management system. A network terminal for merchants that transmits investment application information for attracting merchants online through an information communication network and concludes investment agreements online through discussion of investment conditions with predetermined investment providers; Merchant card inquiry terminal for processing payment approval of the amount of sales through the card media generated in the affiliated store through the value-added network, so that a certain ratio of the amount of sales can be processed as investment proceeds; The investment agreement is concluded online through discussion of the investment terms with the merchant network terminal that applied for investment online through the information and communication network, and the investment yield of the contracted ratio is paid according to a certain payment period. Multiple investor network terminals that register their holdings as investment funds, and mutually sell / buy investment funds registered online through the information and communication network, Negotiate the investment conditions between the plurality of merchant network terminals and the plurality of investor network terminals, manage investment agreements and manage the payment and return of investment proceeds, register registrations of merchant investment funds, and Investment management server that manages investor change information of the investment fund changed in accordance with the sell / buy processing, In accordance with the investment fund registration request of the investment management server, the investment fund based on the investment interest of the merchant is registered, and an electronic certificate for authenticating the sale / purchase of the investment fund is issued to each investor network terminal performing the sell / buy transaction. A fund transaction management server; On the basis of the investor change information of the investment fund received from the investment management server, through a value-added network to the investor who changed a certain percentage of the investment proceeds from the card sales amount generated by the card settlement approval processing with the merchant card inquiry terminal Investment return management system according to the interactive conditional disclosure, characterized in that the value-added network management server for payment processing in a predetermined payment period unit. The investment management server of claim 23, wherein the investment management server prepares investment analysis information on the investment interest of the affiliate store registered as an investment fund by the fund transaction management server, and transmits the investment analysis information to the corresponding fund transaction management server. The fund transaction management server is an investment condition management system according to the interactive conditional disclosure, characterized in that the disclosure is made so that the investment analysis information can be viewed for sale / purchase processing between the network terminal for each investor. The method of claim 24, wherein the investment analysis information includes information on an analysis of the possibility of development and the rate of return of the business to the affiliated store, and data on the remaining amount of the investment proceeds and the remaining payment period. ROI management system.