KR20010093513A - Gathering fund method and system of the competitive bid type on network - Google Patents

Abstract

PURPOSE: A method and a system for collecting a competitive bidding-typed fund through a network is provided to collect a fund safely and easily. CONSTITUTION: In the method through the network, the predetermined number of members, the number of a regular bidding operations being operated corresponding to the number of members at the interval of a periodical time, and a reference paying amount in each regular bidding operation are decided. An initial operating date of the regular bidding operation is fixed, and the members connect to a server through the network in the corresponding date and suggest an interest amount to the reference paying amount and perform a bidding(511). A member suggesting the maximum interest amount is selected as a successful bidder. An actual assigned amount of members besides the successful bidder is decided and the members transmits the assigned amount to a predetermined account, respectively(514). Continuously, another bid is performed by members besides the successful bidder, and a successful bidder is selected, and an actual assigned amount of members besides the successful bidder is decided and the members transmits the assigned amount to a predetermined account, respectively(517).

Description

GETHERING FUND METHOD AND SYSTEM OF THE COMPETITIVE BID TYPE ON NETWORK}

The present invention relates to a method for forming funds through a network, and more particularly, to a method and system for forming funds in a competitive bidding manner.

In general, in order to raise or loan an individual's money, it is financed using a financial institution such as a bank. However, the procedure is complicated, difficult conditions, and considerable time is required. It is often funded.

In general, the accountant decides the amount to be made through the account, recruits members who want to raise this amount, forms the account, and divides the amount that the members want to form by dividing the number of members by the number of the members on the date of regular appointment. It is paid in the form of payment to one of the members.

However, the account is limited in its composition to those who are connected to the relay or participant, and is limited in its widespread funding and usefulness, and must be moved to the place promised at the appointed time with the members in order to raise funds. There is also the inconvenience of being constrained by space and space. In addition, since such private financial organizations are not financial institutions, such as banks, they cannot be guaranteed for the people who make financial transactions, so they cannot guarantee the payment of money paid in the event of a financial accident or the amount of money they traded. There is a high risk of losing money.

Accordingly, it is an object of the present invention to provide a competitive bidding method and a funding system that can securely and easily raise funds without complicated procedures or time and space constraints.

1 is a block diagram of a network configuration including a competitive bidding system according to the present invention,

2 is a schematic diagram of a fund forming server according to the present invention;

3 is a flowchart illustrating a competitive bidding method fund formation method according to the present invention;

4 is a schematic diagram of a user terminal screen of a subscriber in which a list of fund-forming groups for each reference payment amount is displayed.

* Explanation of symbols for the main parts of the drawings

1: Fund formation server 2: Holding financial institution

3: assurance agency 4: network

5: User terminal 11: subscriber election

12: Bidding control unit 13: Basic information database

The above object is, according to the present invention, in a method for forming funds through a network, a predetermined number of subscribers, the number of periodic biddings and the regular biddings that are executed at predetermined periodic time intervals corresponding to the number of subscribers Determining the base payment amount of the city; Setting an initial execution date of the periodic bid and causing the subscribers to bid by accessing a server through the network and presenting an interest amount for the base payment amount; Selecting a successful bidder among the interests presented by each subscriber as a successful bidder; Determining the actual contribution amount of each subscriber except the successful bidder so that each subscriber remits the actual contribution amount to a predetermined account; And repeating the selection of the successful bidder and the determination of the actual contribution amount of each subscriber by allowing only the subscribers except the previous successful bidder to bid in the regular bidding after the first time, thereby achieving the competitive bidding method. do.

Here, the actual contribution amount of each subscriber is determined as the remaining amount excluding the interest amount presented by the successful bidder from the standard contribution amount divided by the number of subscribers, or the standard share divided by the number of subscribers The amount determined by subtracting the amount of interest paid by the subscriber from the amount may induce interest to the bidder because the amount of the winning bid or the amount to be paid is determined by competitively presenting interest as the subscriber plays the game.

In addition, the actual contribution amount of the previous successful bidder may be an invariant amount divided by the base payment amount by the number of subscribers.

Presenting and selecting at least one assurance agency to the subscribers who are connected through the network in the decision step of the subscriber, and acknowledging as a subscriber only to subscribers who have received the guarantee by the selected assurance agency. If a financial accident occurs, the amount of the transaction or the amount of the payment can be returned, allowing subscribers to make financial transactions with confidence.

When the guaranteed subscribers bid and the winning bidders are decided, the actual contribution amount to be paid is determined, and the actual contributions of the subscribers are gathered to form a large amount of funds. Therefore, there is a need for a holding financial institution that can securely and securely deposit the formed funds. The holding financial institution shall be designated, and the designated holding financial institution shall collect the actual contribution amount remitted to the holding financial institution and remit the actual payment amount collected to the successful bidder to pay the subscriber or the actual payment amount. Allow the winning bidder to trade with confidence. On the other hand, in order to solve the inconvenience that the subscriber must remit the actual contribution amount each time, the subscriber designates the payment financial institution and the holding financial institution withdraws the actual contribution amount of the subscriber from each payment financial institution and gathers them. The payment can be sent to the successful bidder.

According to another aspect of the present invention, in the fund-forming system through the network, the number of subscribers, the number of regular bidding trials having a period set at regular time intervals corresponding to the number of subscribers and every regular A basic information database that stores information on the base payment amount at the time of bidding, the basic information is presented to the subscribers who are connected through the network, and the subscribers who select predetermined subscribers from among the applicants who apply As the successful bidder, the charity government and the subscribers who presented the highest interest amount by allowing the subscribers, except the previous successful bidders, to access the server through the network on the date of the regular bidding, present the interest amount for the base payment amount Select the actual contribution amount of each subscriber except for the successful bidder. Appointed is achieved by the competitive bidding funds forming system comprising: a bid controller for the notification to each subscriber.

Wherein the subscriber further includes at least one guarantee institution for guaranteeing payment of each of the subscribers, and the subscriber election government approves as a subscriber only the subscribers who have received the guarantee by the guarantee institution, so that the actual contribution amount of the subscriber in the financial transaction between the subscribers is approved. An accident that does not result in a payment can be prevented so that other subscribers can't receive the refund.

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

1 is a block diagram of a network configuration including a competitive bidding system according to the present invention, Figure 2 is a schematic diagram of a fund-forming server according to the present invention.

Competitive bidding system for fund-raising is a fund-forming server 1, which is a subscriber line that selects subscribers who satisfy predetermined conditions among subscribers who are connected to the fund-forming server 1 through the network 4 as subscribers. The government (11), a basic information database that stores the funding group of the selected subscribers and information provided to each group, and subscribers who provide the basic information to the subscribers and select the subscribers who have presented the highest interest as the successful bidders. The bidding control unit 12 to determine the actual share amount of the notification to each subscriber. This fund-forming server 1 has a user terminal 5 of subscribers via a network 4, a holding financial institution 2 and each subscriber in which actual contributions paid by each subscriber are collected at the fund-forming server 1; The guarantee institution 3 which acquires these guarantees is connected.

The fund formation server 1 includes a subscriber selection unit 11 for selecting a subscriber, a basic information database 13 storing information necessary for bidding, subscribers to bid and determine a successful bidder, and each subscriber should pay the successful bidder. The bid control unit 12 to determine the actual share amount to notify the subscriber.

Subscriber election 11 presents to the prospective subscribers accessing the fund-forming server 1 through the network 4, the assurance agency 3 associated with the fund-forming server 1, ), Enter your personal information such as name, resident registration number, company, rank department, insurance amount, etc., and only the prospective subscribers who have obtained the guarantee in accordance with the conditions presented by the guarantee institution (3). Select a subscriber who can participate in the

The basic information database 13 obtains a guarantee, information on the number of subscribers approved by the subscriber election government 11 as a subscriber, information on the base payment amount that the subscribers can participate in, and a certain number of subscribers for various base payment amounts. Information on the fund-forming groups formed by the company, the number of periodic biddings for which the participants in each fund-forming group should gather and conduct bids on a regular basis, and the standard payment amount divided by the number of subscribers Information on the amount of contribution is stored. In addition, the basic information database 13 may store information on the successful bidders who have been bid in the fund-forming group after the bidding is completed for each fund-forming group.

The bidding control unit 12, in a fund-forming group in which a subscriber approved as a subscriber in the subscriber electoral 11, allows the subscribers, except the successful subscribers, to present interest on the standard payment amount, and the subscriber who presents the highest interest amount. The amount of the subscriber's actual contribution is determined by subtracting the interest presented by the successful bidder from the standard contribution amount and notified to each subscriber.

The Assurance Body (3) obtains the guarantee to allow the prospective subscribers to receive the approval for joining the fund-forming group and guarantees the actual contribution amount to be paid by the subscriber, and when the subscriber does not pay the actual contribution amount on behalf of the subscriber, Pay and exercise reimbursement rights to the subscriber.

The holding financial institution 2 collects the actual contribution amount remitted by the subscribers except the successful bidder and remits it to the successful bidder.

The insurer (3) and the holding financial institution (2) may vary from a credit card company, a bank or a guarantee insurance company, etc. The guarantee institution (3) and the holding financial institution (2) are the same, so that the guarantee institution (3) guarantees the subscriber. The actual payment amount, which collects the actual contribution amount paid by the subscribers, can be remitted to the successful bidder, and the holding financial institution 2 can obtain the guarantee to the subscriber and remit the actual payment amount.

3 is a flowchart illustrating a competitive bidding method funding method according to the present invention.

When accessing the fund-forming server 1 through the network (4) (501), the initial screen of the fund-forming server 1 is displayed on the user terminal (5) screen of the prospective subscribers, and the fund-forming group and fund-forming by the standard payment amount A list of basic information stored in the basic information database 13 is presented (502), such as the number of subscribers who can participate in the group and the number of periodic bids for successful bidding of the corresponding base payment amount of the fund-forming group (502). Although the fund-forming group by the base payment amount is displayed in the list, the fund-forming group by the base contribution amount divided by the base payment amount may be displayed. In addition, the bidding starts only when the number of regular biddings and the number of subscribers is the same, but the regular bidding can be made more than twice the number of subscribers, and one person can participate in the fund-forming group by acquiring the rights of two subscribers. Meanwhile, the fund-forming group may be formed by directly presenting the base payment amount that the subscriber has selected, but directly presenting the base payment amount to be prepared or by directly presenting the base contribution amount that is to be paid in order to prepare the base payment amount.

The prospective subscriber selects the base payment amount funding group desired by the prospective subscriber from the list of base payment amount funding groups (503), and only the prospective subscribers who have received a guarantee from the guarantee institution (3) are approved. (504) Candidates for participation will participate in the fund-raising group. If the prospective subscriber who has not obtained the guarantee from the guarantee institution (3) clicks the guarantee agency (3) menu (505), the assurance agencies (3) associated with the fund-forming server (1) are presented and presented. If the prospective subscriber selects from among them and enters his / her personal information, for example, name, social security number, company, rank department, insurance amount, etc. The charity 11 will approve the subscription (508).

If the prospective subscriber has a defect in obtaining the guarantee from the guarantee institution (3) and fails to obtain the guarantee, the subscriber cannot be approved as a subscriber and cannot participate in the fund-forming group (507). The guarantee is selected and acquired by the fundraising group, but before the fundraising server 1 operator obtains the guarantee from the assurance institution 3 or accesses the funding server 1 for the subscribers who participated in the funding group. Only those who have a guarantee can participate in a fund-raising group. In addition, the guarantee institution 3 may be various, such as a card company, a bank, a guarantee insurance company, a holding bank in which the actual payment amount remitted by the subscriber is deposited.

If the number of subscribers entering the fund-forming group matches the capacity of the fund-raising group, the bidding control unit 12 notifies the subscriber by specifying a date for bidding on the reference payment amount (510) and the subscribers receive the corresponding date. Will respond. If the number of subscribers does not match the capacity of the funding group, the bidding is not executed and the process is repeated from step 501. Subscribers participating in the fund-raising group can exchange opinions through chat rooms or bulletin boards provided by the fund-raising server (1) and start bidding as soon as the capacity is met, or set a date by consultation between the subscribers. In addition, it is possible to exchange mutual information on interest presentation between the subscribers before the bid through the chat room or the bulletin board.

If the subscribers who participated in the fund-forming group select from the successful bid interest price menu that presents the interest for the standard payment amount (511), the bidding control unit 12 determines the subscriber who presents the highest interest as the successful bidder (512). The amount of money excluding the interest presented by the successful bidder divided by the number of subscribers excluding the successful bidder is determined, and the holding bank is notified (513). In the interest menu, the amount of interest may be stated directly as the amount of interest, in the amount of the actual contribution, or at the interest rate. In addition, although the fund-forming server 1 arbitrarily presented the interest menu, subscribers may present interest directly. On the other hand, the actual contribution amount may be the amount remaining by subtracting the interest selected by the subscribers for the bidding from the base contribution amount divided by the base payment amount by the number of subscribers. The remaining amount may be except.

The subscribers, except the successful bidder, remit the determined actual contribution amount to the holding bank (514), and the holding bank remits the actual payment amount formed by collecting the remitted money to the successful bidder (517). If the subscriber does not remit the actual contribution amount, the holding bank notifies the insurer (3), who has obtained the guarantee to the subscriber (515), and the guarantee institution (3) actually transfers to the holding bank on behalf of the subscriber. The contribution amount is remitted (516). In this regard, the assurance agency 3 may exercise the right to reimburse the subscriber who has not paid the actual share. The subscribers except the successful bidder remit the actual contribution amount to the holding bank, and the holding bank collects the remitted money and pays it to the successful bidder. The amount of the contribution can be withdrawn, and the actual amount of payment collected by the subscribers can be remitted to the successful bidder. In addition, the holding bank may be a card company, and the guarantee institution 3 and the settlement financial institution may be the same.

Once the bidding is over and the actual payment amount is sent to the successful bidder, the subscribers who participated in the fund-raising group will access the fund-forming server 1 again on the designated date and the subscribers repeat the steps from 510 to 517 except for the previous successful bidder. Select winners and raise funds. The previous bidder shall pay the base contribution amount until the last bid of the number of periodic bids, regardless of the interest offered by the next bidder. The number of periodic bids and the bidding period are arbitrarily designated by the operator of the fundraising server (1) for each of the base payment amount funding groups, but can be specified by the subscribers who participated in the funding group. Or 10 days.

In the following, the bidding will be processed only when a specific subscriber is selected as A, and A is provided with a list of funding groups classified by the base payment amount, and the number of participating members of the group and the capacity of the funding group match. The number of regular bids is determined according to the capacity. In addition, guarantee insurance companies are presented among the insurers for approval of A's subscription, and the winning interest menu for the standard payment amount is designated and presented, and the actual progress example of the actual contribution amount excluding the winning interest amount from the standard contribution amount will be explained. .

When A connects to the fundraising server 1, the corresponding standard payment amount of the fund-raising group is awarded in response to the number of the fund-forming group and the number of subscribers who can participate in the fund-raising group by the base payment amount on the user terminal 5 screen of A. A list of regular bids to be displayed is displayed.

4 is a schematic diagram of a user terminal screen of a subscriber in which a list of fund-forming groups for each reference payment amount is displayed.

A selects a fund-raising group whose standard payment amount is 3,600,000 won and 12 seats from the fund-raising group shown in the list, and clicks the guarantee institution (3) menu where A can check the eligibility for the fund-raising group. The agencies (3) are presented, and among them, a guarantee insurance company is selected to record personal information such as name, resident registration number, company, rank department, insurance amount, etc. Once you have obtained a license, you will be approved to enter the fund-forming group.

A who was approved to join A was the highest interest among participants in the fund-raising group by entering the fund-raising group and selecting 40,000 won, for example, 30,000 won, 33,000 won, 35,000 won, 37,000 won, 40,000 won from the winning interest rate menu. 11 participants were excluded from the actual contribution amount of 260,000 won, except for the interest of 40,000 won presented by the winner A, from the standard contribution amount of 300,000 divided by the number of participants. The actual payment of KRW 2,860,000 collected at the holding bank and paid at KRW 260,000 shall be paid to A. If the interest presented by A was not the highest interest, the other participant who gave the highest interest was determined to be a successful bidder, and if the interest presented by the successful bidder was 40,000 won, he would transfer 260,000 won to the holding bank.

On the other hand, the holding bank pays the successful bidder the remaining amount after deducting the fees of the operator of the fund forming server 1 and the guarantee institution 3 from the actual payment amount of 2,860,000 won. For example, if the commission is 5% (3% guarantee institution + 2% funding server), the company deducts 5% or 143,000 won for 2860000 and remits 2,717,000 won to the successful bidder. Fee payment may vary from actual payment amount or actual contribution amount after each payment, batch payment depending on the total number of bids in proportion to the standard payment amount, and fees may vary. The operator pays the fee paid by the subscriber, and the operator of the fund forming server 1 may attract an advertisement and cover the fee.

The successful bidder will pay the full amount of KRW 300,000 for the remaining number of periodic bids, regardless of the interest paid on the next regular bid, in which the participants of the fund-raising group meet again on a fixed date and time.

As described above, according to the present invention, it is possible to raise funds easily and safely in a short time without having to take complicated procedures, difficult conditions or long time to use the funds in a bank or other financial institution, and is made on the Internet. Funds can be raised without time and space constraints.

Moreover, since interest is competitively presented in order to win bids among subscribers, interest of subscribers can be induced.

Claims (14)

In the method of forming funds through the network, Determining a predetermined number of subscribers, the number of periodic biddings executed at predetermined periodic time intervals corresponding to the number of subscribers, and the reference payment amount at each periodic bidding execution; Setting an initial execution date of the periodic bid and causing the subscribers to bid by accessing a server through the network and presenting an interest amount for the base payment amount; Selecting a successful bidder among the interests presented by each subscriber as a successful bidder; Determining the actual contribution amount of each subscriber except the successful bidder so that each subscriber remits the actual contribution amount to a predetermined account; And selecting only the subscribers who presented the highest interest among the subscribers as the successful bidder by allowing only the subscribers except the previous successful bidder to bid in the regular bidding after the first time, and determining the actual contribution amount of each subscriber except the successful bidder. And repeating the steps of allowing each subscriber to remit the actual contribution amount to a predetermined account. The method of claim 1, And said actual contribution amount of each subscriber is an equally divided amount consisting of the remaining amount excluding the interest amount of the successful bidder from the reference contribution amount divided by the reference payment amount by the number of subscribers. The method of claim 1, The actual share amount of each subscriber is an unevenly divided amount determined by the amount of money excluding the interest amount bid by the subscriber from the standard share divided by the number of subscribers. . The method according to any one of claims 1 to 3, The actual bidding amount of the previous successful bidder is a competitive bidding method, characterized in that the constant amount of money divided by the number of subscribers. The method of claim 1, The determining step of the subscriber, Presenting and selecting at least one assurance agency to the prospective subscribers connected through the network; Approving the competitive bidding method, characterized in that it comprises the step of approving as a subscriber only to the prospective subscribers obtained the guarantee by the selected assurance agency. The method of claim 1, Designating a holding financial institution; And each of the subscribers remitting the actual share amount to the holding financial institution, respectively, and remitting, by the holding financial institution, to the successful bidder the actual payment amount that is collected from each subscriber. Competitive bidding method of funding. The method of claim 1, Designating a holding financial institution; Designating a payment financial institution by each subscriber; Comprising a method of forming a competitive bidding method, characterized in that the holding financial institution further comprises the step of withdrawing the actual contribution amount of the subscriber from each of the payment financial institutions to collect the actual payment amount to the successful bidder. In the fund-forming system through the network, A basic information database for storing information about the number of subscribers, the number of periodic biddings having a period set at periodic time intervals corresponding to the number of subscribers, and the reference payment amount at each periodic bidding execution; A subscriber selection unit for presenting the basic information to a subscriber who is connected through the network and selecting a subscriber who meets a predetermined condition from the subscribers who have applied; On the date of the regular bidding execution, among the subscribers accessing the server through the network, the subscribers except the previous successful bidder are presented with the interest amount for the reference payment amount, so that the subscriber who has presented the highest interest amount is selected as the successful bidder. Comprising a bidding control unit for determining the actual contribution amount of each subscriber excluding the successful bidder to notify each subscriber. The method of claim 8, And said actual contribution amount of each subscriber is an equally divided amount made up of the remaining amount excluding the interest amount of the successful bidder from the reference contribution amount divided by the reference payment amount by the number of subscribers. The method of claim 9, The actual share amount of each subscriber is an unequally divided amount of money determined by a non-divided amount determined by subtracting the interest amount bid by the subscriber from the standard share divided by the number of subscribers. . The method according to any one of claims 8 to 10, The actual bidding amount of the previous successful bidder is a competitive bidding system, characterized in that the constant amount of money divided by the number of subscribers. The method of claim 8, And at least one insurer for guaranteeing payment of each of the subscribers, wherein the subscriber electoral government approves as a subscriber only a subscriber who has received a guarantee by the insurer. The method of claim 8, It further includes holding financial institutions, And each of the subscribers remits the actual share amount to the holding financial institution, and the holding financial institution collects the remittance amount from each subscriber and remits it to the successful bidder. The method of claim 8, And a holding financial institution and a payment financial institution designated by each subscriber, wherein the holding financial institution withdraws the actual contribution amount of the subscriber from each of the payment financial institutions and remits it to the successful bidder. Bidding Funding System.