KR20010106812A - Cyber financial technology system and method thereof - Google Patents

Abstract

The present invention is for users of the re-tech, for example, provide a quality securities consulting services for free for the users of cyber securities trading, and the members who used them to open a cyber trading account to the securities company with the cyber re-tech device If the securities company is a securities company with an agreement with the cyber re-tech device, even if a user who has already opened a securities trading account joins the cyber re-tech device and makes a securities transaction, Refund part of the fee, and directly trade the venture company's stock through the cyber re-tech device, and buy the stock using cyber money, point score or cash when buying the stock. Insurance products can also be purchased similarly to the purchase of securities. The present invention relates to a cyber re-tech device and a method thereof, by which members of a cyber re-tech device can buy stocks or cash back by using points and cyber money obtained from the device and the agreed place. It can provide advantages that can be utilized as a technology, recruit real estate mutual funds, etc. to make reliable investments for members, and also reward prizes for prize winners through profitable games, and make fund managers for the winners. It has the advantage of providing information managers with the opportunity to run a fund manager at will.

Description

Cyber financial technology system and method

The present invention provides a securities consulting service of higher quality than the securities related information by a real-time securities-related content provider (CP), which is currently being paid for on-line for users of cyber securities transactions, and used for free. When members open a new cyber trading account to a securities company that has contracted with Cyberjaetech Devices, a part of the securities fee can be distributed to a member at the rate established by the member who opened the account. Even if the securities company is a securities company contracted with the cyber retech device, the securities company can be refunded a part of the securities fee, and can directly trade the venture company's stock through the cyber retech device. In case of purchase of such shares, It allows you to buy stocks using cyber money and point scores or cash obtained from places, and also provides insurance and real estate mutual fund information, rewards prize winners through profitable games, and gives fund managers the prize winners. The present invention relates to a cyber financial device and a method of providing a manager for information on a job and providing an opportunity for a fund manager according to a winner's intention.

In general, there are many sites that provide cumulative points and cyber money by using sites currently provided on the Internet.

However, the point scores and cyber money schemes provided by these sites are carried out in such a way that the accumulated point score or the cyber money must be a specific score, but the corresponding actual cash or prize is given.

This is the method that all sites use, and it is tedious because you have to wait for the point score and the cyber money to reach a certain score.

Accordingly, there is a demand for other methods of applying point scores and cyber money.

The present invention allows the members subscribed to the cyber re-tech site proposed by the present invention to search for the information provided by the companies providing the re-tech information for a fee free of charge in view of the conventional requirements as described above. Of course, the information searched by this member grants the benefit of searching for higher-quality information than general paid information, and when you open an account with a specific securities company using the above information, you receive a transaction fee from the securities company on this site. Its purpose is to distribute the benefits to the members so that the benefits can be provided to the members, and register the venture companies, individuals and credible real estate mutual funds that have been evaluated for business feasibility through the professional appraisal company on this cyber financial site. Pray that the members of the venture company buy the shares of the venture company directly. In addition, the cyber money and point scores can be immediately used as a means of re-technologies by purchasing the stocks, so that the cyber money or point scores acquired on the site can be bought or returned immediately in cash. It is an object of the present invention to provide a cyber re-tech device and a method thereof. At this time, you can buy not only stocks but also cash.

1 is an overall configuration diagram showing a cyber re-tech device according to the present invention and means linked thereto.

FIG. 2 is a detailed configuration diagram of the cyber financial unit of FIG. 1.

3 is a block diagram illustrating a case in which a member subscribed to a cyber retech device according to the present invention can receive cyber money.

4 is a diagram illustrating an example in which members subscribed to a cyber re-tech device according to the present invention can accumulate points and cyber money in a site.

5 is a view showing a case in which a member who has subscribed to a cyber retech device according to the present invention can use the accumulated point score or cyber money in a cyber retech site.

6 is a view showing a case in which a member who has subscribed to a cyber retech device according to the present invention can use the accumulated point score or cyber money in another company which is concluded with the cyber retech device.

FIG. 7 is a flowchart illustrating a process of searching for securities information among information provided by a member subscribed to a cyber retech device according to the present invention by accessing the retech information providing means. FIG.

FIG. 8 is a flowchart illustrating a process in which members who have searched for securities information conduct securities transactions through securities companies concluded with a cyber financial device.

FIG. 9 is a flowchart illustrating a processing process according to a transaction history confirmation request of a member of FIG. 7.

10 is a diagram illustrating a registration process when a venture company wants to register to a cyber re-tech device according to the present invention.

Figure 11 is a block diagram showing a configuration for providing a yield game as another example provided by the cyber re-tech device according to the present invention.

FIG. 12 is a flowchart illustrating a process of proceeding a profit game in the cyber re-tech device of FIG. 11.

Figure 13 is a block diagram showing a configuration for providing a temporary trade in another example provided by the cyber re-tech device according to the present invention.

FIG. 14 is a flow chart illustrating a process of random trade in the cyber retech device of FIG. 13.

Fig. 15 is a block diagram showing a cyber re-tech device as described above and a device to which the method is actually applied.

<Description of Symbols for Major Parts of Drawings>

1: Cyber finance department 2: Means of providing financial information

3: securities firm 4: venture companies and individuals

5: Member 6: Advertiser

7: card company 8: shopping mall

9: Member 23: Real Estate Mutual Fund

24: Insurer 25: Data Server

26: service server 27: switch

28: Router 29: Internet Network

30: User 31: Game Participant

32: Real-time trading advisory advisor 33: Yield game winners

211: financial information request unit

212: financial information receiver 241: insurance reception desk

242: transaction fee collection unit 243: fee distribution unit

311: account opening confirmation unit 312: transaction fee collection unit

313: fee distribution unit 411: business plan reception unit

412: primary evaluation unit 413: evaluation request unit

414: Contractor Agreement for Shareholders 415: Membership Application Division

416: venture investment department 511: member connection

Cyber retack device of the present invention for achieving the above object, in the re-tech device,

In the re-tech device,

Providing cyber financial sites,

Receive the free information to the members of the cyber re-tech site from the re-tech information providing means, and provides the information free of charge,

When the member opens a securities trading account at a securities company with the cyber finance department, he collects transaction fees from the securities company and distributes them to the members.

Recruiting venture companies and individuals to request business and investment valuation through professional evaluation means, and allowing venture companies and individuals who have been certified by the professional evaluation means to subscribe members to stocks,

It is characterized by including a cyber financial unit.

In addition, in addition to the above object, it is characterized in that it is further provided with a service server that can provide a certain compensation in the cyber re-tech site so that members can access the service server to obtain a cyber money.

Further, in addition to the above object, the cyber re-tech unit receives an insurance request of the member and the insurance receiving unit for requesting the insurance to the insurance company requested by the member;

A transaction fee collection unit that collects a transaction fee to an insurer in return for completing the insurance as required by the insurance reception desk;

And a fee distribution unit for transmitting a predetermined partial amount of the transaction fee collected by the transaction fee collection unit to a member who has subscribed to the insurance.

In addition to the above objectives, real estate mutual funds may be recruited to request the fund manager's capability evaluation through professional evaluation means, and members of the real estate mutual funds certified by the professional evaluation means may invest members. It is characterized by further comprising a cyber re-tech unit to be able to.

In addition, in addition to the above object, if the recruitment of the members to participate in the stock investment rate game hosted by the cyber financial department, and the recruited participants through the securities company contracted with the cyber financial device In addition, after collecting the investment history information of the game participants and then ranked in the order of the highest rate of return is characterized in that it further comprises a cyber re-technical unit providing a stock investment return game that provides a prize or prize for it.

In addition, in addition to the above-mentioned objectives, the prizewinners who have won the stock investment return game hosted by the cyber re-tech department will be arranged to carry out the fund manager's position through the unrestricted investment advisory firm contracted with the cyber re-tech department, It is characterized in that it further comprises a cyber re-tech department receives a fee for this.

In addition, the cyber re-tech method of the present invention for achieving the above object, in the re-tech method,

Establish a cyber re-tech site;

A first process of providing the free information to the members subscribed to the cyber re-tech site from the re-tech information providing means;

A second process of collecting a transaction fee from the securities company and distributing it to the member when the member opens a securities transaction account at a securities company contracted with a cyber financial site;

Third, recruiting venture companies and individuals to request business and investment valuation through professional evaluation means, and for venture companies and individuals certified by the professional evaluation means to allow members to subscribe for stocks. With a process;

It is characterized by performing a cyber re-tech.

In addition to the above-mentioned purpose, a fourth process for providing a service for providing a certain reward within the cyber re-tech site to allow a member to receive the service and acquire a cyber money is further provided. It features.

In addition to the above-mentioned purposes, the first step of receiving a member's request for insurance from a plurality of insurance companies designated at the cyber re-tech site and applying for the subscription to an insurance company that the member requests to join, and receiving the insurance subscription A second step of collecting transaction fees to the insurer in return for insurance upon request completion; and distributing a predetermined amount of the transaction fee to the insured member when the transaction fee is refunded. It further comprises a fifth process having three steps.

In addition to the above objectives, real estate mutual funds may be recruited to request fund managers' ability evaluation through professional evaluation means, and members may invest only in real estate mutual funds certified by the professional evaluation means. It is characterized by further comprising a sixth process.

In addition to the above-mentioned purposes, the first step is to select a securities company to participate in the proceedings of the profit game hosted by the cyber finance department, enter into a contract, and recruit participants to participate in the profit game when the securities company contract is completed; When a participant is recruited, a second step of opening a securities account in connection with a securities company is requested if a participant confirms whether or not to open a securities account. A third step of collecting the stock investment status information, ranking them in the order of highest return, and providing prizes or prizes therefor;

And a seventh process of providing a stock return game.

In addition, in addition to the above objectives, a fund manager position is selected through a random trading investment consultant contracted with the Cyber Finance Technology Department to winners who have been selected in a stock trading yield game hosted by the cyber financial site. A first step of announcing that it can be performed, and a second step of connecting the nominee with a temporary trading advisory firm to enter into a fund manager contract if the winners accept the fund manager position through the announcement. When the fund manager contract with the trading investment advisory is completed, a third step is provided for refunding the fee, and inviting cyberjaetech members to introduce the investment trading advisors and the winners to the investment.

And further comprising an eighth process for providing temporary trade investment.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. The transaction fee (refundable fee) described below may be compensated in cash from a securities company or a temporary trading investment advisory company and other third parties mentioned in the present invention, or an advertisement fee, or It means a comprehensive form of compensation such as information service fee.

1 is a block diagram illustrating a cyber retechnical device and a means of interworking with the present invention. The members of the cyber re-tech site are provided with the re-technical information through the re-technical information providing means 2 and the members 5. A cyber finance department (1) which induces cyber securities investment, venture investment, real estate mutual fund investment and insurance and direct investment;

A re-tech information providing means (2) which provides the re-tech information in association with the cyber re-tech part (1), and provides information to the member (5) subscribed to the cyber re-tech part (1) free of charge;

A securities company that refunds a transaction fee to the cyber financial department 1 in return for a member account 5, which is affiliated with the cyber financial department 1, when the member 5 joined the cyber financial department 1 opens a securities account (3). )Wow;

A venture company and an individual (4) that registers with the cyber finance department (1) and collects capital by conspiring members (5) as shareholders;

A real estate mutual fund unit 23 registered with the cyber financial unit 1 to allow members to invest in real estate mutual funds;

Insurers 24 who, in conjunction with the cyber finance department 1, return the transaction fee to the cyber finance department 1 in return for the member 5 subscribed to the insurance in the cyber finance department 1 Equipped.

As shown in FIG. 2, the cyber finance unit 1 includes a member connection unit 511 which is in charge of accessing / transmitting / receiving information of the member 5;

A re-tech information request unit 211 for requesting the re-tech information to the re-tech information providing means 2 in response to the request of the re-tech information search of the member 5;

A re-tech information receiver 212 which receives the re-tech information in response to the re-tech information request unit 211 and transmits it to the corresponding member 5;

An insurance receiving portion 241 which receives an insurance request of the member 5 and requests insurance from the insurance company 24 required by the member 5;

A transaction fee collection unit 242 which collects a transaction fee to the insurer 24 in return for the insurance when the insurance is completed as required by the insurance reception desk unit 241;

A fee distribution unit 243 for transmitting a predetermined partial amount of the transaction fee collected by the transaction fee collection unit 242 to the member 5 who has subscribed to the insurance;

An account opening confirming unit 311 for confirming the opening of the account when the member 5 opens the securities trading account with the securities company 3;

A transaction fee collection unit 312 which collects a transaction fee to the securities company 3 in exchange for the stock transaction to the opened account;

A fee distribution unit 313 for transmitting a predetermined partial amount of the transaction fee collected by the transaction fee collection unit 312 to the member 5 who made the transaction;

A business plan reception unit 411 for receiving a business plan from venture companies and individuals 4;

A first evaluation unit 412 for evaluating the feasibility and investment potential of the business plan of the venture company received through the business plan receiving unit 412;

An evaluation requesting unit (413) for requesting a professional evaluation institution for the feasibility and investment potential of the business plan approved by the primary evaluation unit (412);

A public offering contract 414 for concluding a public offering contract with the cyber trading stock market only for the venture company 4 approved by the evaluation requesting unit 413;

A member subscription request receiving unit 415 to notify the members (5) of the completion of the shareholder competition contract and to apply for subscription thereto;

Only the venture company 4 approved by the evaluation requesting unit 413 is provided with a venture investment unit 416 that invests itself in the cyber finance unit 1.

At this time, the real estate mutual fund 23 is recruited similarly to the recruitment of venture companies 4 to be invested, and the reliable real estate mutual fund 23 among the recruited real estate mutual fund units 23 is analyzed and cybered. After enrolling in a JaeTech device, members can make an investment and invest in the Cyberjaetech device itself.

The operation process of recruiting members, attracting registered members, and providing a specific service to the members will be described in the cyber finance department of the present invention configured as described above.

First, the cyber finance department (1) registers promising venture companies and individuals (4) so that members (5) who have joined the cyber finance department (1) can participate in the shareholders so that they can become shareholders. In the case of registering a venture company and an individual (4) in the cyber financial department (1), the business and growth potential of the venture company and the individual (4) are evaluated by a professional evaluation company to register a reliable company. In detail, first, the business plan of venture companies and individuals (4) is received.

Then, the evaluations of the venture companies and individuals 4 are reviewed by the cyber finance department 1 themselves, and then the evaluation is requested by a professional evaluation company by e-mail. If the evaluation of the professional evaluation company is concluded positively, the cyber finance department (1) enters into a contract with the venture companies and individuals (4) for the shareholders' competition.

After the conclusion of the shareholders 'competition, the reviewer of the professional evaluation company received the general information on the evaluation of the venture companies and individuals (4) and the conclusion of the shareholders' contract on-line to the members (5). By e-mailing the full text at the request of members (5), members (5) will be able to apply for a public offering on-line within a predetermined number of subscription weeks.

When the application for stock offering is entered, the allocation is made in consideration of the cumulative points and cyber money of the member (5). The more cumulative points and cyber money of the member (5), the higher the frequency of actual use of the cyber re-tech site. The allocation is guaranteed, but the application limit may be applied according to all methods that can be planned by the Ministry of Cyber Finance (1), such as the stock subscription rate, the nature of the contributors, and the case of restricting the members to a certain class from the beginning.

Therefore, after receiving the participation request from the member (1), the cyber finance department (1) checks the cumulative points and cyber money that the member (5) wants to use and deducts the points and cyber money within the range of use. The payment is made through the transaction, and the transaction is made by informing the participating member 5 of the accumulated point score of the deducted member 5 and the cyber money and the number of weeks allocated so that the member 5 can check it on-line.

In addition, the stock investment as described above involves not only members (5) but also investment in venture companies and individuals (4) who are interested in the cyber finance department (1) itself, thereby increasing the reliability of the members (5).

In addition, depending on the stock subscription rate or the nature of the competition event of the cyber finance department (1), the member (5) can acquire the shares by depositing actual cash, not point scores and cyber money, into the bank account designated by the cyber finance department (1). In some cases, the stock raising process may be performed in parallel with two methods, cumulative point and cash deposit.

At this time, the cyber finance department (1) allows the user who applied for a public offering to buy shares by giving priority to the user who applied for cash when applying for the points using the points and cyber money.

In addition, similar to the venture companies and individuals (4), it is possible to invest through the real estate mutual fund unit 23, which is also registered when the real estate mutual fund unit 23 in the cyber financial unit (1) After evaluating the ability of the fund managers, they register and ensure that members (5) can invest with confidence.

Second, referring to the operation process of the re-tech information providing means 2, the target of the re-tech information providing means 2 may be a company that provides information to netizens at a current fee or may be a newly established company.

In this way, when a company or information provider that provides information is recruited to join the cyber finance department 1, a member 5 who is joined to the cyber finance department 1 later receives the information through the finance technology providing means 2. If you search, you can search for free information. In other words, the subscribed information providing means or information providers may store their information periodically in an information database (not shown in the figure) in the cyber financial unit 1.

Instead, the cyber retech department 1 provides the information fee to the retech information providing means 2 providing the information for free. However, the information provided instead of providing the information fee requires more differentiated information than the information currently provided for a fee, and the information providing means 2 which is not used much according to the use result of the member 5 will be replaced later. It may be.

In addition, the venture company and the individual person 4 may provide a corporate trend and information on the subsidiary company to the financial information providing means 2 to conduct public offering through the technical information providing means 2.

Third, referring to the operation process with the securities company (3), the cyber financial unit (1), as mentioned above, if a member (5) joins one of the securities companies (3) specified in the cyber financial unit 1 is predetermined To pay the member's transaction fee to the member (5), which is contracted with the securities company (2), instead of attracting customers to the securities company (3). If a customer opens a securities account, the transaction fee will be refunded.

In addition, an initial public offering (IPO) may be organized for venture companies and individuals (4), which are venture companies and individuals (4) registered with the cyber financial department (1) after certification by professional evaluation agencies. This is true if they want to list stocks.

In other words, when a venture company or an individual (4) requests listing of a stock in the cyber finance department (1), the securities company (3) designates a securities company (3) belonging to the client so that the company can manage the disclosure. It is to manage the public disclosure of the individual (4).

In addition, similar to the securities company (3), a contract with an insurance company (24), if a member of the cyber re-tech device is insured through the insurance company 24 contracted with the device a predetermined fee for that Is returned to the member (5).

While the securities companies (3) and insurance companies 24 as described above can be replaced according to the number of members (5) for each securities company (3) and insurance companies 24 while providing the service.

With reference to the drawings, the use points and flows of the point score or cyber money generated between the cyber financial unit 1 and the member 5 through the above operation process will be described.

3 is a block diagram showing a case where a member subscribed to the cyber financial unit according to the present invention can receive the cyber money. After requesting an advertisement to the cyber financial unit 1, the cyber financial unit 1 receives a certain fee. Advertiser 6 to pay with;

A card company 7 for issuing an affiliate card with a card company, and paying a part of the income to the cyber finance department 1 when the card is used by the site member;

A securities company (3) that pays a predetermined transaction fee when a member (5) joined to the cyber financial department (1) opens a securities trading account;

A shopping mall (8) that pays a certain fee to a member of the cyber finance department (1) when purchasing a product at a shopping mall provided by this site or when purchasing a product at another shopping mall. and;

If a member who is a member of the cyber finance department (1) makes a purchase at a member company (9) that has signed up for the purpose of preferential membership (discount of goods and other service services, etc.) on this site, he / she shall pay a certain fee for it. A member company 9 which pays to the department 1;

It is provided with a cyber finance department (1) for converting the fees deposited from the respective companies into cyber money and then distributing them to the members (5) subscribed to this site.

4 is a diagram illustrating an example in which members who have subscribed to the cyber financial unit 1 according to the present invention can accumulate points and accumulate cyber money in the site. If used (10), a portion of the advertising fee (11) while viewing the content in the cyber financial unit (1), if the individual to acquire a quiz in the cyber financial unit 11 (12), in the quiz Some of the advertising charges of 13, the portion of the securities company commission income of the cyber stock investment members (14) is accumulated to the point score and cyber money (15).

FIG. 5 is a diagram illustrating a case in which a member subscribed to a cyber retech department according to the present invention can use a accumulated point score or cyber money in a cyber retech site, and refunds the accumulated score or cyber money in real cash. (16), when purchasing stocks of venture companies and individuals (17), when paying at the cost of using paid content (18), when paying at the cost of purchasing goods by event auctions (19) In the case of donating to a volunteer organization or a social welfare organization sponsored by the cyber finance department (1), etc., the point score or cyber money used in this way is reduced from the accumulated score and the cyber money amount (21). .

FIG. 6 is a view illustrating a case in which a member subscribed to the cyber re-technical unit according to the present invention can use the accumulated point score or cyber money in another company concluded with the cyber re-technical unit. 1) in the case of using the card of the card company 7 engaged with; When the member 5 purchases from a member company 9 separately contracted with the cyber finance department 1; When the member 5 purchases the goods at the shopping mall 8 which is concluded with the cyber finance department 1; The amount of points and cyber money used in each of the above cases, such as when a member (5) contributed a donation to a donation event 22 (eg, helping disaster victims, helping fire victims, etc.) performed nationwide, is applied to cyber finance. In Part 1, each pays in cash.

A series of processing performed by the cyber retechnization unit 1 of the present invention as described above will be described in detail with reference to each flowchart.

FIG. 7 is a flowchart illustrating a process of retrieving information corresponding to securities information among examples in which a member subscribed to the cyber retechnization unit according to the present invention accesses the retechnical information providing unit and retrieves information. When connecting to 1), the cyber financial unit 1 checks whether the currently connected user is a member (A1).

As a result of the confirmation, if the user does not become a member, he / she checks the membership and if the user wants to join the membership, the member registration process is performed. If not, the securities information for non-members is provided. General information such as bulletin boards is applicable (A2).

On the other hand, if the member check result is a member, the member of the securities company (3) checks whether the member is also subscribed to the securities company (3) provides information on the securities information provided by limiting the information provided and collect the information fee (A3)

As a result of the verification, if a member is subscribed to the securities company (3), all securities information can be searched and provided free of charge. Information provided at this time includes information on long-term analysis, information on recommended stock analysis, information on long-term breaking news and countermeasures, and information on the state of profit and loss of stocks held (A4).

For reference, the above information can be searched only if the member who is a member of the cyber re-tech site can search only the information that is provided in common. Members can also search for information related to the company free of charge. Also, cyber finance itself can assign a level for each member or a level for each other company that has been signed, and then the scope of searching for information varies according to the level given above. It may be limited.

That is, for example, a member of a securities company can apply a method such as allowing all information to be searched or limiting to searching only securities information and insurance information.

Members who searched for securities information through the above process are to trade securities through the securities companies (3) signed with the cyber financial department (1), the process is as shown in the flow chart of Figure 8, through the Internet When the securities firm 3 is connected, the securities firm 3 checks whether the user is a member, and if the member is a member, checks whether the member is a member of the cyber financial department 1. As a result of the verification, if the member is not a member of the cyber finance department (1) but is a member of the securities company (3), the securities transaction process is performed (B1).

As a result of the checking, if the member (5) joins the securities company (3) and the cyber financial department (1), the securities company (3) retrieves the member transaction history through the transaction history checking means, and the transaction details of the member generated afterwards are displayed. 5) Record until the end of use (B2).

Subsequently, when the member 5 stops using the service, the member transaction history thus far notified is notified to the transaction confirmation means (B3), and the cyber finance department 1 pays the fee corresponding to the member transaction history and transaction history ( B4).

The cyber finance department 1 notified of the transaction details notifies the member 5 of the cyber money amount generated according to the transaction details and the transaction details, and waits for the approval of the member 5 whether the details are correct ( B5).

The member (5) who has been notified of the details confirms the transaction details and the amount of cyber money. If an error occurs in the details, a request for confirmation of the transaction details is made using the transaction history confirmation means. If there is no error, the cyber money is sent to the cyber finance department (1). The payment request is made, and according to the request, the cyber financial unit 1 pays the cyber money (B6).

FIG. 9 is a flowchart illustrating a process according to a member's transaction confirmation request in FIG. 8, and when a transaction confirmation request is input, the transaction details confirming means stores the member transactions stored in the cyber financial unit 1 and the securities company 3, respectively. The data is read and compared for equality (C1).

If the comparison result is the same, the confirmed transaction details are notified to the member 5, and the member 5 is requested for approval (C2).

If the member's approval is confirmed in response to the request, the process jumps to ⓐ part of FIG. 8 and repeats from step B4 (C3).

If an error response is input in response to the request, the transaction details of the error occurrence portion are input from the member 5, the transaction details stored in the securities company 3 and the error are corrected after confirmation, and then the transaction is sent to the member. After the notification of the details and the request for approval, steps C3 are repeated (C4).

On the other hand, if it is not the same in step C1, step C2 for correcting the wrong part by comparing each member transaction details data stored in the cyber financial department 1 and the securities company 3, and then requesting reconfirmation of the modified details and fees. Repeat from (C5).

FIG. 10 is a diagram illustrating a registration process when a venture company wants to register with the Cyber Finance Department according to the present invention. First, a business plan of a venture company and an individual 4 requesting registration to the Cyber Finance Department 1 is received. Then, the received business plan is first reviewed by the cyber finance department (1). In this review, the business performance of the venture company (4), growth potential and investment value are evaluated (D1).

If a positive evaluation is determined as a result of the evaluation, the business plan for the venture company and the individual (4) is evaluated by a professional evaluation agency (D2). Enter into a shareholders' agreement with (4) (D3).

If negative conclusions are determined in each of the steps D2 and D3, the registration decision is not made and the business plan is returned to the venture company and the individual (D4).

Subsequently, when the public offering of the shareholders is contracted, the evaluations of the venture company and the individual (4) are disclosed to the members (5), and the members (5) apply for subscription (D5).

For reference, the subscription of the real estate mutual fund unit 23 is also registered after going through the evaluation as described above.

FIG. 11 is a block diagram illustrating a structure for providing a yield game as another example provided by the cyber retech device according to the present invention, and recruits participants 31 to participate in a stock return game, and the recruited participants are connected to the cyber retech device. A cyber finance department (1) for collecting investment history information of the game participants when making a stock through an agreement with a securities company;

When the investment history information of the participants 31 participating in the profit rate game in cooperation with the cyber technology section 1 is received through the cyber technology section 1, the technology information providing for determining the ranking by checking the rate of return of the participants 31 is provided. Means (2);

When a member joined to the cyber retact unit 1 in conjunction with the cyber retact unit 1 opens a securities account through a game of profit, the transaction fee is refunded to the cyber retact unit 1 in return for this. It is provided with the securities company (3) which provides the investment history information of the game participant (31).

A process of proceeding the profit rate game in the cyber re-tech device configured as described above will be described in detail with reference to FIG. 12.

The cyber finance department (1) first selects a securities firm (3) to participate in the proceedings of the profit game, enters into a contract, and recruits participants to participate in the profit game when the securities firm (3) contract is completed (E1).

When the participants are recruited, they confirm whether or not they want to open a securities account, and if they ask to open a securities account, they open a securities account in connection with the securities company (E2).

When the securities account is opened, stock investment status information carried out by the participants 31 is collected and transmitted to the re-technical information providing means 2, and the received re-technical information providing means 2 receives the information. Aggregate and rank them in order of highest return (E3).

Subsequently, the prize winners or prizes are given to the participants who have won the ranking (E4).

In this case, the re-technical information providing means 2 performs investment pattern analysis and investment advice in order to facilitate stock investment of the participants 31.

FIG. 13 is a block diagram illustrating a configuration for providing temporary trade as another example provided in the cyber re-tech device according to the present invention, similarly to those of the winners who have won in the profit rate game through FIG. 11 and FIG. It is a function that allows people who disclose their investment information (all of them referred to as winners) to become fund managers and sell their jobs.

The Cyber Finance Department (1) selects a temporary trading advisory advisor (32), invites members (5) to invest in the investor advisor (32), and advises the top prize winners (33) to conduct fund managers. )Wow;

Signing a fund manager agreement with the winners 33 who want to perform a fund manager through the cyber finance department 1, and paying a commission (for example, advertising costs) to the cyber finance department 1 An investment advisor 32 is provided.

Referring to Figure 14 will be described in detail the process of temporary trading in the cyber re-tech device configured as described above.

First, the cyber finance department (1) selects a temporary trading advisory advisor 32 who presides over the temporary trading (F1), and then a temporary trading advisory advisor 32 to the winners 33 who have won the profit game provided in FIG. To arrange for a fund manager position (F2).

When the prizewinners 33 accept the fund manager position through the mediation, the prizewinner 33 connects with the temporary trade advisory firm 32 to enter into a fund manager contract (F3).

Upon completion of the fund manager agreement between the prizewinner 33 and the temporary trade investment advisory firm 32, the cyberjaetech members 5 introduce the temporary trade investment advisory firm 32 and the winners 33 and recommend investment (F4). .

Accordingly, the members (5) are contracted with the temporary trading that the fund manager selected among the temporary trading investment advisory 32 and the winners 33 will manage the investment.

In this case, the contract is provided in an open fund form so that the members (5) can add or recoup their investment at any time.

Fig. 15 is a block diagram showing a cyber re-technical unit and an apparatus to which the method is applied. The plurality of data servers 25 store all data generated in the cyber re-technical unit 1 according to the present invention;

Service servers 26 for providing various services provided by the cyber financial site;

A switch 27 for connecting the user 30 with each of the service servers 26;

A plurality of users 30 through the Internet network 29 have corresponding service servers 26 requesting access and routers 28 for routing.

At this time, the switch 27 and the router 28 are configured as active and passive to provide an uninterrupted service, and when the switch 27 and the router 28 in the active state have an error, the switch and the router in the passive state are It can be replaced with, the switch 27 is mainly used as a hub.

The firewall for security is arranged between the router 28 and the switch 27 (b area) and between the switch 27 and various service servers 26 (c area) as necessary, and the switch 27 ) Uses a switch of L4 or L5 for load balance and has a load balance server (not shown).

In addition, since a large amount of traffic is generated in each of the service servers 26, it is preferable to replace a Gigabit line rather than a 100 Mbps network line used in a general network, and the router 28 also considers a gigabit square ratio. desirable.

For reference, the name of the cyber finance device described above will be referred to as Cyber Finance Added Network (C-FAN).

As described in detail above, the present invention directly purchases stocks of venture companies and individuals or buys stocks through securities companies to members of the cyber finance department by using points or cyber money acquired in the site. It provides benefits that can be used as a financial technology, such as investing in mutual funds, and when you open a securities account through a securities company and an insurance company with a cyber financial device, or receive insurance, you will receive a transaction fee in return. Provide an advantage.

In addition, the game provides rewards for the prize winners through the profit game, and provides the prize winners with the opportunity to manage the fund, giving them the opportunity to manage the fund at will.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the following claims You will have to look.

Claims (52)

In the re-tech device, Providing cyber financial sites, Receive the free information to the members of the cyber re-tech site from the re-tech information providing means, and provides the information free of charge, When the member opens a securities trading account at a securities company with the cyber finance department, he collects transaction fees from the securities company and distributes them to the members. Recruiting venture companies and individuals to request business and investment valuation through professional evaluation means, and allowing venture companies and individuals who have been certified by the professional evaluation means to subscribe members to stocks, And a cyber retech unit. The method of claim 1, When the cyber re-tech unit receives the re-tech information from the re-tech information providing means, the cyber re-tech device characterized in that the service is provided to the member receives a different information than the information currently provided by the information providing means. The method of claim 1, In collecting transaction fees from the securities companies and distributing them to members, if a user who has a securities trading account joins a cyber retech device later, and purchases securities, the securities company that makes a purchase transaction contracts with the cyber retech device. If included in the securities company, the cyber re-tech device characterized in that a portion of the transaction fee is distributed to the member who purchased the securities. The method of claim 1, The cyber re-tech unit is a cyber re-tech device, characterized in that can directly subscribe to the recruited venture companies. The method of claim 1, Cyber re-tech device characterized in that the amount of money used for the stock purchase or the stock purchase of a venture company carried out by the member at the cyber finance department allows the member to share the accumulated cyber money and cash . The method of claim 5, The cyber re-tech device, when a member applies for a subscription to a venture company or buys a stock through a securities company, gives a subscription or priority to purchase a member using the cyber money. The method of claim 1, And a service server capable of providing a certain reward in the cyber re-tech site to allow a member to access the service server to obtain cyber money. The method of claim 7, wherein The service server includes a cyber server, a game server, a shopping mall server, an advertisement server. The method of claim 1, The Cyber Finance Department cooperates with other companies to allow the members of Cyber Finance to pay the transaction amount to the member's cyber money when they make a transaction with the third party, and the third party corresponds to the member's cyber money amount in the Cyber Finance Department. Cyber financial device characterized in that to pay cash. The method of claim 9, The third party is a card company, a third party shopping mall, a donation target group, etc., cyber cyber technology device. The method of claim 1, The cyber re-tech unit and the member connection unit that is responsible for access, such as sending and receiving information of the member; A re-tech information request unit for requesting re-tech information as a re-tech information providing means according to the member's request for re-tech information search; A re-tech information receiver which receives the re-tech information in response to the re-tech information request unit and transmits it to the corresponding member; An account opening confirmation unit for confirming account opening when a member opens a securities transaction account with a securities company; A transaction fee collection unit for collecting a transaction fee to a securities company in exchange for a stock transaction to the opened account; A fee distribution unit for transmitting a predetermined partial amount of the transaction fee collected by the transaction fee collection unit to a member who made the transaction; A business plan reception unit for receiving business plans from venture companies and individuals; A first evaluation unit for evaluating the feasibility and investment potential of the business plan of the venture company received through the business plan reception unit; An evaluation requesting unit for requesting a professional evaluation agency for the feasibility and investment potential of the business plan approved by the primary evaluation unit; A public offering contract unit for concluding a public offering contract with the cyber trading stock market only for venture companies approved by the evaluation requesting unit; A member subscription request reception unit which notifies the members of the shareholders' contract and completes the subscription; And a venture investment unit that invests itself in the cyber finance department only for a venture company approved by the evaluation requesting unit. The method of claim 1, The securities company is a cyber re-tech device, characterized in that the investment itself in a venture company registered on the cyber re-tech site. The method of claim 1, The securities company is a cyber re-tech device, characterized in that for administering the IPO of the venture companies and individuals registered in the cyber financial department according to the designation of the cyber financial department. The method of claim 1, The cyber finance department receives an insurance request of the member and the insurance receiving portion for requesting the insurance to the insurance company requested by the member; A transaction fee collection unit that collects a transaction fee to an insurer in return for completing the insurance as required by the insurance reception desk; And a fee distribution unit for transmitting a predetermined partial amount of the transaction fee collected by the transaction fee collection unit to a member who has subscribed to the insurance. The method of claim 1, Recruitment of real estate mutual funds to request fund managers' capability evaluation through specialized evaluation means, and additionally equipped with cyber finance department that allows members to invest only in real estate mutual funds certified by the professional evaluation means. Featuring a cyber retech device. The method of claim 1, Recruiting members who will participate in the stock investment return game hosted by the cyber finance department, and collecting the investment history information of the game participants when the recruited participants make a stock through the securities company contracted with the cyber finance device And further comprising a cyber re-technical unit that provides a stock investment-return game that gives a prize or a prize for the prize by ranking them in the order of highest yield. The method of claim 16, The ranking may be given by the cyber re-technical unit, or the cyber re-tech unit may transmit the investment history information of the participants to the re-tech information providing unit and check and provide the received re-tech information providing unit. Device. The method of claim 1, Arrange for the prize winners winning the stock investment return game hosted by the Cyber Finance Department to carry out the fund manager's position through the free trade investment advisory contract with the Cyber Finance Technology Department, and add the Cyber Finance Department that is refunded the fee. Cyber re-tech device characterized in that provided with. The method of claim 18, The prize winner is a cyber re-tech device, characterized in that it comprises the stock operators to disclose their stock investment status information to a third party. The method of claim 18, The members of the cyber re-tech are designated as a fund manager to manage their investments from a random trade investment advisor and the winners, but the contract is open, the cyber re-tech device characterized in that the open fund contract. The method according to any one of claims 1, 14 or 18, The cyber refund technology fee is refunded in cash from the contracted third party. The method according to any one of claims 1, 14 or 18, The fee refunded by the cyber re-tech department is a cyber re-tech device, characterized in that the reimbursement of advertising charges from the third party. The method according to any one of claims 1, 14 or 18, Refund fee from the cyber re-tech department is a cyber re-tech device, characterized in that the reimbursement as an information service fee from a contracted third party. In the technical method, Establish a cyber re-tech site; A first process of providing the free information to the members subscribed to the cyber re-tech site from the re-tech information providing means; A second process of collecting a transaction fee from the securities company and distributing it to the member when the member opens a securities transaction account at a securities company contracted with a cyber financial site; Third, recruiting venture companies and individuals to request business and investment valuation through professional evaluation means, and for venture companies and individuals certified by the professional evaluation means to allow members to subscribe for stocks. With a process; A cyber re-technique, characterized in that performing cyber re-tech. The method of claim 24, The step of receiving the information in the first process may include a first step of accessing the re-technical information providing means at the cyber re-tech site according to a user's request; A second step of recognizing that the member is a cyber re-tech site according to a member verification request requested by the connected re-tech information providing means; And a third step of transmitting the information provided by the Jaetec information providing means to the member according to the confirmation. The method of claim 25, In the second step, the information fee is free of charge when searching for information provided when the member is identified as a cyber re-tech site, and the information is provided to the member by receiving differentiated information from the information currently provided by the information providing means. Cyber ret how. The method of claim 24, In collecting transaction fees from the securities companies and distributing them to members, if a user who has a securities trading account joins a cyber retech device later, and purchases securities, the securities company that makes a purchase transaction contracts with the cyber retech device. If included in the securities firms, cyber re-tech method characterized in that a portion of the transaction fee is distributed to the member who purchased the securities. The method of claim 24, In the second process, the transaction step with the securities company may include a first step of accessing the securities company from the cyber re-tech site for the confirmation when the user opens an account with the securities company; A second step of recognizing that the member is a cyber re-tech site according to a member verification request requested by the connected securities company; A third step of retrieving the member transaction history up to the present through the transaction history checking means when the transaction with the securities company is confirmed that the membership is completed; A fourth step of receiving a transaction fee, which is the searched transaction details and a transaction fee, from a securities company and notifying the member; And a fifth step of paying the cyber money to the member if the member approves the contents of the notification, and requesting correction of the transaction history by the transaction history checking means if the member does not approve the notification. The method of claim 28, The amount of money performed by the transaction between the securities company and the member in the third step is a cyber re-technique, characterized in that the member can share the accumulated cyber money and cash. The method of claim 29, When the cyber money and cash share the cyber re-tech method characterized in that the purchase priority is given to the member using the cyber money. The method of claim 28, The transaction history correction of the fifth step may include a first step of reading member transaction history data stored in the cyber finance department and a securities company according to a transaction history confirmation request inputted from a cyber finance site, and comparing the same; A second step of modifying the member transaction details if not the same as the result of the comparison, reconfirming the fee accordingly, and notifying the member to request approval, and if the comparison result is the same, notifying the member to request the approval; A third step of terminating the transaction history correction process when the member's approval is confirmed in response to the request; A fourth step of, when a request for correction of a member is input in response to the request, receives a transaction history of a portion where an error has occurred from the member and requests correction of an error portion after confirmation and transaction details stored in a securities company; If the correction request is completed, receiving the corrected details to request the member to confirm and if not approved, repeating the fourth step, and if approved, the fifth step of terminating the transaction history correction process Cyber ret how. The method of claim 24, The securities company cyber investment technology, characterized in that the investment itself in a venture company registered on the cyber technology site. The method of claim 24, The securities company is a cyber re-tech method, characterized in that for administering the IPO of the venture companies and individuals registered in the cyber financial department according to the designation of the cyber financial department. The method of claim 24, In the third step, the recruitment of venture companies and the application for the subscription may include receiving business plans of venture companies and individuals requiring registration from the cyber finance department and reviewing the received business plans by the cyber finance department. A first step of doing; A second step of requesting a professional evaluation agency to evaluate a business plan for the venture company and the individual when a positive evaluation is determined as a result of the evaluation; A third step of concluding a shareholders' agreement with venture companies and individuals when the evaluation result of the expert evaluation agency determines a positive evaluation; And a fourth step of opening the evaluation form of the venture company and the individual to the members when the shareholder competition is contracted and receiving the subscription application of the members. The method of claim 34, wherein In the first step and the second step, the cyber re-technology method of reviewing the business performance, growth potential and investment value of the venture company. The method of claim 34, wherein If a positive evaluation is determined as a result of the evaluation of the specialized institution, the cyber financial technology department can directly subscribe to the recruited venture companies, cyber financial technology method. The method of claim 34, wherein In the fourth step, when the members apply for venture company stock subscription, the cyber re-tech method, characterized in that the member can use the accumulated cyber money and cash in common. The method of claim 37, When the cyber money and cash share the cyber re-tech method characterized in that to give priority to the subscription application to the member using the cyber money. The method of claim 24, And a fourth step of having a service providing function for providing a certain reward in the cyber re-tech site to allow a member to receive the service and acquire a cyber money. The method of claim 39, The provided service function includes a game, a shopping mall, an advertisement quiz, and the like. The method of claim 24, The cyber re-tech site is affiliated with other companies, so that when the member of the cyber re-tech site makes a transaction with the third party, the cyber money can be paid by the member's cyber money. A cyber financial method, characterized in that for paying cash corresponding to. 42. The method of claim 41 wherein The third party is a cyber re-tech method comprising a card company, a third party shopping mall, a donation target group. The method of claim 24, The first step of receiving a member's insurance request from a number of insurers designated by the cyber financial site and applying for the insurer to the insurer requesting the member's insurance. And a fifth step of collecting a transaction fee to the insurer in return, and a third step of distributing a predetermined portion of the transaction fee to the insured member when the transaction fee is refunded. The cyber re-technique method further comprising. The method of claim 24, Recruitment of real estate mutual funds to request fund managers' ability evaluation through professional evaluation means, and additionally, a sixth process for members to invest in real estate mutual funds certified by the professional evaluation means. The cyber financial method characterized in that. The method of claim 24, Among the members, the first step is to select a securities company to participate in the proceedings of the profit game hosted by the Cyber Finance Department, enter into a contract when the securities company contract is completed, and, if the participants are recruited, securities account from the participants. If you are asked to open a securities account by checking whether or not to open a securities account, the second step of opening a securities account in connection with a securities company; A third step of ranking in this high order and then offering a prize or prize for it, And a seventh process of providing a stock return game. The method of claim 45, In the third step, the ranking may be given by the cyber re-technical unit or the cyber re-technical unit may transmit the investment history information of the participants to the re-technological information providing unit, and check and provide the received re-technical information providing unit. Cyber technology method. The method of claim 24, The first step is to select a temporary trading advisory advisor and announce that the prize winners who have won the stock investment return game hosted by the cyber financial site can perform the fund manager position through the commercial trading advisory contract with the cyber financial department. And, in the announcement, a second step for the winners to accept the fund manager's position and to connect the winners to the one-time trading advisory firm to enter into a fund manager contract. If a third step is provided, the commission is refunded and the cyberjaetech members are invited to introduce investment advisors and winners. And further comprising an eighth process for providing a temporary trade investment. The method of claim 47, And the winners include stock operators who disclose their stock investment status information to third parties. The method of claim 47, The cyber re-tech method is a cyber re-tech method characterized in that the contract to designate a fund manager to operate their own investment among the advisors and the temporary trading investment advisory, open contract. The method of any one of claims 24, 43 or 47, The fee refunded at the cyber re-tech site is a cyber re-tech method, characterized in that the cash back from the contracted third party. The method of any one of claims 24, 43 or 47, Refund fee from the cyber re-tech site is a cyber re-tech method, characterized in that the reimbursement from the third party to the advertising fee. The method of any one of claims 24, 43 or 47, The fee refunded from the cyber re-tech site is a cyber re-tech method, characterized in that the refund is provided as an information service fee from a contracted third party.