KR20030085611A - Trading Apparatus and Method for Personal Bond - Google Patents

Abstract

PURPOSE: A device and a method for trading a personal bond are provided to issue the bonds by predicting the income of a person for a long term, and to trade the bond through the online. CONSTITUTION: A certification server(170) certifies whether a subscriber to issue or trade the bond is registered or not. A bond issuing server(140) controls the bond issuance by receiving the bond issuing information if the certified subscriber wants to issue the bond. A bond trading server(150) makes the members trade the bond issued from the subscriber. An interest giving server(160) gives the fixed interest based on the issued bond information. A subscriber database(110) records the general and additional information of the member. A bond database(120) records the information of the bond issued by the bond issuing server(140) or traded by the bond trading server(150).

Description

Trading Apparatus and Method for Personal Bond

The present invention relates to bond trading, and more specifically, when an individual or a group who wants to raise capital issues a bond or an investor who wants to invest, wants to raise and issue a new bond, The present invention relates to a system for issuing and trading personal bonds that allow the issuance and trading of bonds after calculating the bond issuance based on the salary based on an individual's salary.

In general, bonds are debt instruments issued by the state, local governments, financial institutions, corporations, etc., promising to pay interest and principal at specific points in the future. Looking at the bonds by issuer in detail, they can be classified into government bonds, local bonds, special bonds, and corporate bonds.

The government bond is a bond issued by the central government to achieve public purposes such as fiscal policy, and is issued by the Minister of Finance and Economy with the consent of the National Assembly. The municipal bond is a municipal, provincial, and municipal government. These bonds are issued by local governments to raise funds for special purposes.

Special Laws Bond is a bond issued by an institution established by a special law under a special law, and divided into government-guaranteed bonds and non-guaranteed bonds by issuer credits in accordance with the existence or absence of government guarantees on the payment of principals. Issued under the direction and supervision of policy authorities.

Lastly, corporate bonds are bonds issued by corporations under commercial law, and are classified into guarantee bonds, collateral bonds, and non-guaranteed bonds, depending on the existence of guaranteed collateral.

In this case, the corporate bond is usually issued based on the profit of the company. Since corporate bonds are becoming more dangerous in the age of intellectual capitalism or human capitalism and are perceived as low-yielding markets, financial institutions are trying to increase personal loans.

However, private loans are mostly short-term and require real estate collateral. Moreover, in the case of credit loans, the amount that can be loaned is very small. This happens because an individual's credit loan cannot be distributed because it is not detestable. As a result, individuals generally seek stable long-term funding, but no suitable loan system exists.

An object of the present invention has been proposed to solve the above-mentioned problems, it is to provide a personal bond trading device that can be issued online and traded bonds in the long term to predict the income of the individual.

In addition, an object of the present invention is to evaluate the income structure of the issuer who is willing to issue a bond to issue a bond, to set the number of bonds to ensure the recovery of the bond in the income source of the issuer, the issued bond can be traded It is to provide a method of trading personal bonds.

1 is a block diagram of a personal bond transaction apparatus according to an embodiment of the present invention,

2A to 2J are views showing in detail the configuration of the subscriber database, bond database, recruitment database shown in FIG.

3 is a flow chart showing a subscription issuer of the bond issuer performed by the authentication server shown in FIG.

FIG. 4 is a flowchart illustrating a subscription procedure of a bond acquirer performed by the authentication server shown in FIG. 1;

5 is a flowchart showing in detail a bond issuing procedure by a bond issuer performed by the bond issuing server shown in FIG. 1;

FIG. 6 is a flowchart showing in detail a bond issuance procedure by a bond acquirer performed by the bond issuing server shown in FIG. 1;

7 is a flowchart detailing the evaluation steps shown in FIGS. 5 and 6;

8 is a flowchart showing in detail a bond transaction procedure performed by the bond transaction server shown in FIG. 1;

9 is a flowchart showing in detail the interest payment procedure performed by the interest payment server shown in FIG.

10 is a flowchart showing in detail the steps of opening a payroll setting account performed by the interest payment server shown in FIG. 1;

11 is a flowchart showing in detail the transfer processing step of the pay setting account performed by the interest payment server shown in FIG.

FIG. 12 is a flow chart detailing the steps of transferring the return on investment for an investment made by the interest payment server shown in FIG.

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

110: subscriber database 111: bond buyer database

113: Bond issuer database 115: Bond issuer group database

120: bond database 121: bond basic database

123: bond detail database 125: bond market database

127: account database 130: recruitment database

131: Desired Bond Database 133: Desired Bond Database

135: bond issue evaluation database 140: bond issue server

150: bond transaction server 160: interest payment server

170: authentication server 180: public authentication server

190: Bond Buyer Terminal 200: Bond Issuer Terminal

According to a feature of the present invention proposed to achieve the above object, the personal bond trading device in the device for issuing a bond according to the application from the registered subscriber, and processing so that the issued bond can be traded between registered members An authentication server for authenticating whether a subscriber who wants to issue or trade a bond is registered; A bond issuing server which controls to issue bonds by receiving bond issuing information when a subscriber authenticated from the authentication server intends to issue a bond; A bond transaction server for controlling a bond issued by a subscriber by the bond issuing server to trade between members; An interest payment server that controls the set interest based on the issued bond information; A subscriber database for recording general information and additional information of a member; And a bond database for recording information of the bond issued by the bond issuing server or traded by the bond transaction server.

According to another feature of the invention, the personal bond transaction method comprising the steps of receiving information from the subscriber and the bond to be issued from the subscriber to issue the bond; Evaluating whether the bond satisfies the information on the basis of the inputted issuer information; Generating the bond so that it can be traded if the issuer satisfies the information of the bond in the evaluating step; And trading the bond generated in the generating step between the subscribers.

In addition, according to another feature of the invention, the personal bond transaction method comprising the steps of receiving the information of the bond issuer and the bond issuer to issue from the subscriber to recruit the bond; Publishing the information input in the step of receiving to the subscriber; Receiving an applicant for the information of the disclosed bond; Evaluating whether the information on the bond is satisfied based on the received applicant information; In the evaluating step, if the applicant satisfies the information of the bond, generating the bond so that it can be traded; And trading the bond generated in the generating step between the subscribers.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 11.

1 is a block diagram of a personal bond transaction apparatus according to an embodiment of the present invention. In the drawings, reference numeral 110 is a subscriber database, 111 is a bond holder database, 113 is a bond issuer database, 115 is a bond issuer group database, and 120 is a bond issuer group database. Bond Database, 121 is the Bond Base Information Database, 123 is the Bond Specific Information Database, 125 is the Bond Transaction Database, and 127 is the Account Database. 130, a Floatation Database, 131 a Floatation Request Bond Database, 133 an Issuing Request Bond Database, 135 a Bond Issuing Evaluation Database, 140 is a bond issuing server, 150 is a bond transaction server, and 160 is a bond issuing server. Interest Transaction Server, 170 is Private Authentication Server, 180 is Official Authentication Server, 190 is Bond Holder's Terminal, 200 is Bond Issuer's Terminal Indicates.

As shown in the figure, the database of the embodiment of the present invention can be largely divided into three types. The first is the subscriber database 110 for registering the subscriber's information for issuing or buying the bond, the second is the bond database 120 for registering the information of the issued bond, and the third is the bond to issue or recruit. It is divided into a recruitment database 130 for registering the information.

The subscriber database 110 may be further divided into three databases. That is, the subscriber database 110 registers the subscriber information database 111 for registering basic information and additional information of a subscriber who has acquired or intends to acquire a bond, and registers basic information and additional information of a subscriber who has issued or intends to issue a bond. The bond issuer database 113 for forming a group, and the bond issuer group database 115 for registering information of the bond issuer group that issued the bond.

The bond database 120 registers the bond basic database 121 for registering basic information of the issued bond, the bond detail database 123 for registering detailed information of the issued bond, and registers the transaction details of the traded bond. It consists of a bond market database 125, an account database 127 for registering the account information of the debt buyer or issuer.

Lastly, the recruitment database 130 registers information on a desired bond for the purpose of registering the bond to be recruited by the bond buyer (investor), and registers the information of the bond to be issued by the subscriber who wishes to issue the bond. Issuance desired bond database 133, bond issuance evaluation database 135 for registering the evaluation information that is the basis for the bond issuance.

The database may be configured in multiple database servers or one database server according to the size or performance of the database.

On the other hand, personal bond transaction apparatus according to an embodiment of the present invention, as shown in the figure, bond issuance server 140 and bond transaction server 150, interest payment server 160, certificate server ( 170). The authentication server 170 is connected to the external authorized authentication server 180 to enable reliable authentication.

The bond issuing server 140 receives the bond information from the subscriber who wants to issue the bond, and registers the bond so that the bond can be traded when the bond issuance is permitted. As described above, the bond issued from the bond issuing server 140 may be traded by the bond transaction server 150. On the other hand, the traded bonds should pay interest to the bond buyer (investor) according to the interest rate when issuing the bond, such interest payment processing is performed in the interest payment server 160.

In addition, the interest payment server 160 performs a payment processing on the investment return when the payment for the return on investment generated by investing the capital raised by the issuer of the bond is set to pay the creditor by a certain ratio. Done.

The authentication server 170, the bond issuing server 140, the bond transaction server 150, the interest payment server 160 is configured separately so that the work can be distributed and networked by a local area network (LAN) Or you may comprise in one server. The authentication server 170 is connected to the bond acceptor terminal 190 or the bond issuer terminal 200 through the Internet, for example. The bond acceptor terminal 190 or the bond issuer terminal 200 may be configured as a general personal computer or a PDA that can use the Internet.

2A to 2J are views illustrating in detail the configuration of the subscriber database 110, the bond database 120, and the recruitment database 130 shown in FIG.

Here, FIG. 2A is a bond acquirer database 111, FIG. 2B is a bond issuer database 113, FIG. 2C is a bond issuer group database 115, FIG. 2D is a bond basic database 121, and FIG. 2E is a bond detail database 123. 2F is the bond market database 125, FIG. 2G is the account database 127, FIG. 2H is the recruitment desired bond database 131, FIG. 2I is the issuance bond database 133, and FIG. 2J is the bond issuance evaluation. Represents the database 135.

The bond buyer database 111 is composed of a bond buyer code, bond buyer name, address, telephone number, password, account number, holding bond code, purchase hope bond, offer bond claims field.

And bond issuer database 113 is a bond issuer code, bond issuer group code, bond issuer name, address, telephone number, password, salary set account number, interest payment account number, salary, monthly interest rate, monthly saving rate, monthly savings, savings It consists of account number, date of return on investment, rate of return on investment, securities account number, issued bond code and issued bond code. In addition, the bond issuer group database 115 is composed of a bond issuer group code, bond code, representative bond issuer code fields. The monthly interest rate represents the interest rate for the amount of salary to be paid from the monthly salary. The monthly saving rate represents the savings rate to be saved from the monthly salary, and the monthly savings amount represents the savings to be saved from the monthly salary. In addition, the ROI payment date is the date to be paid when the ROI is generated, the ROI payment rate is the payment rate to be paid when the ROI is generated, and the securities account number is the account number for trading investment capital such as securities. Indicates.

On the other hand, the bond basic database 121 is composed of a bond code, bond issuer group code, bond name, bond amount, bond issuance date, period, issuance interest rate, maturity date field. Bond detail database 123 is composed of bond code, bond issuer group code, bond issuer code, monthly interest rate increase, monthly savings rate increase, monthly savings increase, savings account balance increase, investment return increase and decrease fields. The monthly interest rate increase of the bond detail database 123 is a change in interest rate that increases or decreases according to a change in salary, a change in monthly savings rate changes in a saving rate that increases or decreases according to a change in salary, and a increase or decrease in monthly savings rate increases or decreases according to a change in salary Change, return on investment is to record the change in the return on investment caused by the balance of the set securities account on a monthly basis. Therefore, the investor can use the information as the investment decision information by inquiring the information in the bond detail database 123 of the issuer. The bond market database 125 is composed of bond transaction code, bond code, transaction date, bond acceptor code field. The account database 127 is composed of an account number, account password, account classification, subscriber code, amount field.

Recruitment hope bond database 131 is composed of the recruitment hope bond code, bond acceptor code, recruitment start date, recruitment expiration date, offer bond amount, offer bond due date, bond issuance conditions, offer completion indication, applicant field. In addition, the issuance desired bond database 133 is composed of issuance desired bond code, bond issuer group code, bond name, bond amount, bond issue date, period, issuance interest rate, maturity date, issuance completion display field.

Finally, bond issuance evaluation database 135 is composed of bond issuance evaluation code, occupation group, salary range, issuance period, interest rate, saving rate, number of group members, bond issuance amount field. The bond issuance evaluation database 135 is used as a reference data when evaluating a bond.

FIG. 3 is a flowchart illustrating a subscription process of a bond issuer performed by the authentication server shown in FIG. 1.

First, in order to subscribe to the bond issuance, after connecting to the authentication server 170 through the bond issuer terminal 200, and passes through a predetermined authentication process and enters the basic information of the individual (S11). The basic information includes information such as bond issuer code, name, address, telephone number, and password.

Subsequently, the subscriber inputs salary related information based on the bond issuance (S13). The salary-related information includes salary set account number, salary, monthly interest rate, monthly saving rate, monthly saving amount, and the like. And if the subscriber is requested additional information required for issuing bonds, the subscriber inputs the corresponding additional information (S15).

As described above, when the input of the information is completed, for example, by clicking the "input completed" button to complete the information input (S17). Then, the authentication server 170 registers the input basic information, salary related information and additional information in the bond issuer database 113 (S19). The authentication server 170 generates an interest payment account and a savings account to be traded by the subscriber, and registers it in the account database 127 (S21).

FIG. 4 is a flowchart illustrating a subscription procedure of a bond acquirer (investor) performed by the authentication server shown in FIG. 1.

First, in the case of joining a bond buyer and investing in bonds, the basic information of the individual is input after accessing the certificate server 170 through the bond buyer terminal 190 and undergoing a predetermined authentication procedure (S31). The basic information is composed of information such as a creditor code, name, address, telephone number, password.

Subsequently, the subscriber inputs additional information such as a desired purchase bond and a desired offer bond to be acquired (S33). The information entered in this way is registered in the corresponding fields of the creditors database 111, respectively.

As described above, when the input of the information is completed, for example, by clicking the "input completed" button to complete the information input (S35). Then, the authentication server 170 registers the inputted basic information and additional information of the bond to be acquired in the bond acquirer database 111 (S37). The authentication server 170 generates an account number to be traded by the subscriber and registers it in the account database 127 (S39).

FIG. 5 is a flowchart showing in detail a bond issuing procedure by a bond issuer performed by the bond issuing server 140 shown in FIG. 1.

First, when issuing a bond, it is connected to the authentication server 170, and enters a registered code (for example, bond issuer code) (S41). Then, the authentication server 170 checks the bond issuer database 113 and checks whether the code entered by the subscriber is registered (S43).

When authentication by the subscriber code is made as described above, the bond issuing server 140 receives an input whether or not to create a group from the subscriber (S45). At this time, if it is selected to create a group, the bond issuing server 140 creates a new record in the issuance hope bond database 133 and the bond issuer group database 115, and then the group information and basic information of the bond to be issued. It receives an input (S47). Basic information of the bond entered by the subscriber is composed of information such as bond name, bond amount, bond issuance date, period, issuance interest rate, maturity date. When the input of the basic information of the bond to be issued as described above is completed, the bond issuing server 140 registers the input group information and the basic information in the issuing bond database 133.

Subsequently, the bond issuing server 140 receives additional information of the bond issuer to be included in the group that will issue the bond (S51). The bond issuing server 140 registers the input information of the bond issuer in the record of the bond issuer group database 115. At this time, the bond issuing server 140 registers the issuing desired bond code of the issuing desired bond database 133 in the bond code field of the bond issuer group database 115. In addition, the bond issuer server 140 registers all the bond issuer group codes generated in the bond issuer group database 115 in the bond issuer group code field of the bond issuer database 113.

When the basic information, additional information and group information of the bond to be issued is completed as described above, the preparation of the bond is finished. Accordingly, the subscriber can evaluate whether the bond issuance is appropriate based on the information input as described above. Therefore, when the subscriber selects the evaluation, the bond issuing server 140 evaluates the bond issuance based on the information input to issue as described above (S57), and outputs the result to the bond issuer terminal 200 (S59). ).

Subsequently, the bond issuing server 140 receives confirmation from the subscriber whether to issue the bond evaluated as described above (S61). If the subscriber chooses to issue the bond, the bond issuing server 140 receives a predetermined issuance fee from the bond issuer (S63).

Subsequently, if the issuance fee is normally deposited, the bond issuing server 140 generates the electronic transaction bond so that the bond can be traded (S64). At this time, the bond issuing server 140 registers the corresponding bond information registered in the issuance desired bond database 133 in the bond basic database 121 and generates a new record corresponding to the bond detail database 123. In this way, the new bond can be traded (S65).

FIG. 6 is a flowchart showing in detail a bond issuance procedure by recruitment of bond buyers performed by the bond issuance server 140 shown in FIG. 1.

First, the subscribers who want to issue a bond are recruited and issued, and when the bond is to be acquired, the authentication server 170 is connected and the registered code is input (S71). Then, the authentication server 170 checks the bond buyer database 111 and checks whether the input code is registered (S73).

When the authentication by the code is made as described above, the bond issuing server 140 receives the basic information of the bond to be recruited (S75). Basic information of the input bond is composed of information such as bond name, bond amount, bond issuance date, period, issuance interest rate, maturity date. When the basic information of the bond is input as described above, the bond issuing server 140 registers the input basic information in the recruitment desired bond database 131.

Subsequently, the bond issuing server 140 generates a new record corresponding to the bond detail database 123 so as to register additional information of the bond after the bond is issued (S77). And the bond issuing server 140 receives the condition information of the issuer of the bond to be recruited (S79). When such condition information of the bond issuer is input, the bond issue server 140 registers the condition information in the bond issuance condition field of the recruitment hope bond database 131.

Subsequently, when all of the basic information, additional information, and condition information of the bond are input as described above, the bond issuing server 140 discloses the input information so that subscribers can inquire (S81). Then, the subscriber receives an application for bond recruitment and registers it in the applicant field of the recruitment desired bond database 131 (S83). Such a request for a bond offer may be made, for example, before the issue date of the bond (S85).

Upon receipt of the desired receivable bond, the subscriber who applied for the recruitment of the bond requests an evaluation based on the applicant received in the application. Then, the bond issuing server 140 evaluates whether the applicant information registered in the applicant field of the recruitment request bond database 131 matches the condition information of the bond (S91). At this time, the bond issuing server 140 performs an evaluation on only the applicants who meet the condition information of the bond from the applicant information registered in the applicant field of the recruitment hope bond database 131, and selects only the applicants who meet the bonds. Can be issued. And the bond issuing server 140 displays the evaluation result through the bond acceptor terminal 190 (S93).

Subsequently, the bond issuing server 140 is confirmed whether to issue the bond evaluated as described above (S95). If the subscriber chooses to issue the bond, the bond issuing server 140 receives a predetermined issuance fee from the bond buyer (S97). At this time, the bond issuing server 140 may receive all of the issued amount of the bond from the bond buyer and receive the payment to the bond issuer.

Finally, when the issuance fee is normally deposited, the bond issuing server 140 generates an electronic transaction bond so that the bond can be traded (S99). At this time, the bond issuing server 140 registers the corresponding bond information registered in the recruitment desired bond database 131 in the bond basic database 121. In this way, a new bond can be traded (S101). At this time, when all the issued amount of the bond is deposited from the bond buyer and paid to the bond issuer, the issued bond is processed and registered in the bond market database 125.

FIG. 7 is a flowchart showing in detail the evaluation steps shown in FIGS. 5 and 6. The evaluation is performed in the bond issuance server 140 shown in FIG.

When the evaluation is started, the bond issuing server 140 searches the bond issuer group database 115 and extracts information of the bond issuer belonging to the issuer group of the bond to be issued from the bond issuer database 113 (S121).

Subsequently, the bond issuing server 140 calculates an average salary based on the information of the bond issuer (S123). For example, the group that wants to issue bonds is a software engineer. The bond maturity is five years, the number of employees is 10, the average annual salary of the top five is 50 million won, the annual increase rate is 5% per year, and the bond issue interest is 10% of gross income. Assume

Then, the annual income per capita and the total income of the group for each year can be calculated as shown in Table 1 below (S125, S127).

Table 1 Gross Income

1st year 2nd year 3 years 4th year 5th year Annual income per capita 5,000 5,250 5,512 5,788 6,077 Group gross income 25,000 26,250 27,562 28,940 30,387

When the total income is calculated as described above, the bond issuing server 140 calculates the interest payment amount (10% of the total income) for each year to be paid by the bond issuer as shown in Table 2 below (S129).

[Table 2] Interest Payments (Unit: KRW 10,000)

1st year 2nd year 3 years 4th year 5th year Interest payment 2,500 2,625 2,756 2,894 3,038

When the interest payment amount is calculated as described above, the bond issuing server 140 may calculate the bond face value for each year by applying the actual bank interest rate (S131). This assumes 6% bank interest. Then, the bond par value for each year can be expressed as shown in Table 3 below.

[Table 3] Face Value of Bonds (Unit: Ten Thousand Yuan)

1st year 2nd year 3 years 4th year 5th year Face value of bonds 41,666 43,750 45,937 48,234 50,646

Therefore, the actual bond face value can be set by averaging the bond face value of each year (S133). Therefore, in the above embodiment, the bond face value is 46,047 million won, but may be actually set to 460 million won (S135).

Finally, the bond issuing server 140 distributes the bond face value (460 million won) to the individual bond issuance amount of the bond issuers (10 persons) (S137). The investor can then purchase all of the bonds or their respective shares as an aggregate.

8 is a flowchart showing in detail a bond transaction procedure performed by the bond transaction server 150 shown in FIG.

First, the subscriber who wants to trade the bond is connected to the authentication server 170 and enters the subscriber information (S141). Then, the authentication server 170 inquires the bond buyer database 111 or the bond issuer database 113 to authenticate the subscriber.

The subscriber authenticated by the authentication server 170 as described above is connected to the bond transaction server 150. Then, the bond transaction server 150 receives the bond information to be viewed from the authenticated subscriber (S143). In this case, the bond transaction server 150 may show a list of bond information that can be traded or extract and list information of a bond corresponding to an inquiry condition.

The bond transaction server 150, if the subscriber enters the information of the bond to be inquired as described above or selects one of the listed bond information, and inquires whether the bond is the target of the transaction (S145). If the bond entered here is tradeable, the information of the corresponding bond is extracted from the bond basic database 121 and displayed (S147). The bond transaction server 150 queries the bond issuer database 113 and the bond issuer group database 115 to display basic information of the group that issued the bond (S149).

Meanwhile, the bond transaction server 150 may receive the detailed information for each bond issuer belonging to the bond issuer group according to the subscriber's request (S151) and display it (S153). The detailed information is extracted from the bond detail database 123.

Subsequently, when the subscriber wants to purchase the displayed bond (S155), the bond transaction server 150 inquires the balance of the subscriber account (S157). At this time, the bond transaction server 150 determines whether the balance of the account of the member is the amount to purchase the bond (S159). If the purchase is possible in the above judgment, the bond transaction server 150 collects a transaction fee (S161) and processes the transaction (S163). The result of the transaction processing is registered in the bond market database (125).

9 is a flowchart showing in detail the interest payment procedure performed by the interest payment server 160 shown in FIG.

The interest payment server 160 queries the bond basic database 121 and extracts the information of the bond to be paid when the bond is issued each month (S171). The bond information includes information such as the bond issuer group code and the issued interest rate. At this time, the interest payment server 160 to select only bonds that have not expired in the bond information.

Subsequently, the interest payment server 160 extracts the balance information of the interest issuer account of the bond issuer belonging to the group code from the extracted bond information from the account database 127 to check whether there is a balance (S175). The interest payment account is an account in which bond issuers are set to pay interest, and interest is withdrawn from the account every month. In other words, when the balance remains in the interest issuer account of the bond issuer, the balance is processed to be withdrawn (S177).

Subsequently, the interest payment server 160 inquires the bond market database 125 to extract the information of the current bond buyer (investor), and then extracts the account information of the corresponding bond buyer from the account database 127 (S179). ). At this time, the interest payment server 160 may process to collect the interest payment fee (S181).

Finally, the interest payment server 160 processes the interest drawn from the bond issuer to be transferred to the account of the bond buyer (S183). As a result, the interest on the bond is withdrawn from the issuer and paid to the acquirer.

FIG. 10 is a flowchart showing in detail a step of opening a payroll setting account performed by the interest payment server 160 shown in FIG. 1.

In order to issue personal bonds according to an embodiment of the present invention, the subscriber opens a salary setting account (S191). The salary setting account is operated to be automatically processed according to the salary setting of the personal bond issuer. That is, the monthly interest rate, monthly savings rate, or monthly savings amount may be set for the salary of individual bond issuers. When such a setting is made for the pay setting account, the interest payment server 160 is processed immediately according to the set state when the pay is received.

Subscribers who wish to issue personal bonds are first connected to the interest payment server 160 to open a salary setting account (S191). Then, the interest payment server 160 is to input the setting information for the salary setting account opened as described above is confirmed from the subscriber (S193).

At this time, when the subscriber wants to input the setting information, the interest payment server 160 receives monthly interest rate information to be paid from the salary (S195), and receives an interest payment account number (S197). If the interest payment account of the subscriber is not established, the interest payment server 160 may open an account in the account database 127 and set the opened account as the interest payment account of the member. Subsequently, the interest payment server 160 receives a monthly saving rate or monthly savings amount to be saved from the salary (S199), and receives a savings account number (S201). If the subscriber's savings account is not opened, the interest payment server 160 may open an account in the account database 127 and set the opened account as the savings account of the member.

When all the information to be set for the salary setting account is entered and the subscriber confirms the completion of the input (S203), the interest payment server 160 inputs the monthly interest rate and the interest payment account number and monthly saving rate entered from the subscriber. Alternatively, the setting is completed by registering information about the monthly savings amount and the savings account number in the corresponding record of the bond issuer database 113 (S205 to S211).

FIG. 11 is a flowchart showing in detail a transfer processing step of a payroll setting account performed by the interest payment server 160 shown in FIG. 1. In this case, when a salary is deposited into a salary setting account, the interest or savings are processed according to the setting.

First, the interest payment server 160 checks whether the salary is deposited in the salary setting account (S311). If there is a deposit of salary in the pay setting account, the bond issuer database 113 is searched to extract the monthly interest rate information set in the corresponding account (S313). The interest payment server 160, when the information of the monthly interest rate is extracted as described above, calculates the interest amount as follows for the received salary (S315).

Interest = salary * monthly interest rate

Therefore, in the embodiment of the present invention, the salary is 50 million won, the bond issuance interest is assumed to be 10% of gross income, the salary is about 4 million won. In such a case, the amount of interest would be 400,000 won (4 million won * 10%). When the interest amount is calculated as described above, the interest is transferred to the creditor's set interest payment account (S319).

Subsequently, the interest payment server 160 extracts monthly saving rate or monthly savings information of the bond issuer set in the pay setting account from the bond issuer database 113 (S321). At this time, if the tongue is a monthly savings rate to calculate the monthly savings as follows (S323).

Monthly savings = salary * monthly savings rate

In the embodiment of the present invention, assuming that the bond issuer set the monthly saving rate to 30%, the monthly savings amount is 1.2 million won (4 million won * 30%). When the monthly savings amount is calculated as described above, the interest payment server 160 searches the account database 127 and transfers the monthly savings amount to the savings account of the bond issuer (S329).

In the present invention, the step of registering the interest liquid transfer processing and saving liquid transfer processing details is omitted, but the interest payment server 160 may be configured to register the processing details.

FIG. 12 is a flowchart showing in detail a process of transferring a return on investment for an investment performed by the interest payment server shown in FIG. 1.

According to an exemplary embodiment of the present invention, a bond issuer who issues a bond may generate a profit by investing a certain amount as invested capital on the collected capital. Such investment capital is processed based on the information registered in the ROI date, ROI, and securities account number fields shown in FIG. 2B.

First, when the bond issuer is set to reinvest the capital as described above, the interest payment server 160 determines whether the investment return payment date is reached (S411). At this time, if the payment date, the interest payment server 160 queries the transaction history of the account of the registered account number (S413). The interest payment server 160 calculates an investment return based on the transaction history information (S415).

If there is a profit by calculating the investment return as described above (S417), the interest payment server 160 calculates the investment return payment amount according to the information set to the investment return payment rate (S419). For example, if the ROI of the past one month is 100 million won, if the ROI is set to 10%, the interest payment server 160 calculates the ROI payment amount to 10 million won.

Finally, the interest payment server 160 withdraws the calculated investment return payment from the bond issuer's securities account and processes it to be transferred to the account of the creditor (investor) (S421).

According to the present invention as described above, by issuing bonds based on the future income structure, the individual who needs the funds to be traded so that the issuer can raise stable funds and investors can recover the bonds stably. You can do it.

In addition, subscribers who wish to invest may disclose their investment requirements, recruit bond issuers, issue bonds and buy them first.

Moreover, in the pay setting account of the present invention, the individual who issued the bond makes various settings, so that the investor can stably collect the bond according to the monthly salary. Such a salary setting account is a variety of payment processing is automatically performed according to the set state when the salary is deposited in the account, it can be variously applied to the system for handling the account.

In addition, the interest payment account of the present invention is to transfer all the balance of the account if there is an interest payment request, it can be variously applied to the system to process the payment of interest.

Claims (40)

An apparatus for issuing a bond according to an application from a registered subscriber and processing the issued bond so as to be transacted between registered members, An authentication server for authenticating whether a subscriber who wants to issue or trade a bond is registered; A bond issuing server which controls to issue bonds by receiving bond issuing information when a subscriber authenticated from the authentication server intends to issue a bond; A bond transaction server for controlling a bond issued by a subscriber by the bond issuing server to trade between members; An interest payment server that controls the set interest based on the issued bond information; A subscriber database for recording general information and additional information of a member; And Personal bond transaction apparatus comprising a bond database for recording the information of the bond issued by the bond issuing server or traded by the bond transaction server. The method of claim 1, The subscriber database includes a bond acquirer database for recording personal information, accounts, and holding bond information of a bond acquirer holding a bond; Personal bond transaction apparatus comprising a bond issuer database for recording the personal information of the issuer of the bond, the account, the information of the bond issued. The method of claim 2, The bond issuer database includes a bond issuer group database that records group information of a bond issuer registered in the bond issuer database. The method of claim 1, The bond database includes: a bond basic database that records information of a bond and information of a bond issuer; Personal bond transaction apparatus comprising a bond detail database for recording interest and savings information of the bond issuer registered in the bond basic database. The method of claim 1, The bond database is a personal bond trading device, characterized in that it comprises a bond market database that records the transaction history of the traded bond. The method of claim 1, The bond database comprises an account database for recording a salary set account, interest payment account and savings account information of a member who wants to issue or trade a bond. The method of claim 1, The bond database comprises a personal bond bond database for recording the information of the bond input from the subscriber to issue the bond. The method of claim 1, The bond database is a personal bond trading device, characterized in that it comprises a recruitment hope bond database for recording the information of the bond input from the subscriber to purchase after issuing the bond to recruit the bond issuer. The method of claim 1, The bond database comprises a bond issuance evaluation database that records the reference information for evaluating the information of the bond requested from the bond issuer to issue the bond or the bond buyer to recruit the bond. The method of claim 1, The interest payment server registers a subscriber who intends to issue a bond as a bond issuer; Personal bond transaction apparatus characterized by registering the subscriber to purchase the bond as a bond buyer. The method of claim 1, The bond issuing server receives the information of the member to issue the bond so that the bond is issued by the member to issue the bond, Enter the information of the bond you want to issue, Evaluate whether to issue the bond based on the information of the entered bond, Personal bond trading device, characterized in that for registering the bonds to be generated and traded according to the evaluated results. The method of claim 11, The bond issuing server is a personal bond trading device, characterized in that for receiving the information of a plurality of members to form a group of subscribers to issue a bond. The method of claim 1, The bond issuing server recruits the bond issuer by the member who wants to buy the bond and receives the information of the member who wants to buy the bond so that the bond is issued, Enter the information of the bond you want to recruit, Disclose the information of the bond to be entered, Receive applicants for the information of the disclosed bonds, Evaluate the submitted applicants, And when the evaluation result matches the information of the bond to be recruited, generates a bond and registers it to be traded. The method of claim 13, The bond issuing server is an individual bond trading device, characterized in that to evaluate the received applicants to organize the subscribers satisfying the information of the bond to be recruited into a group. The method of claim 13, The bond issuing server is a personal bond trading device, characterized in that for generating a bond and processing the transaction to the member to buy the bond. The method according to claim 12 or 13, The bond issuing server selects the bond issuer that is the basis of the bond issuance, Calculate the salary of the selected issuer, Calculate income for each issuer of the bond issuer until maturity Calculating the amount of interest payments for each year until the bond maturity based on the income for each year; Calculating the bond par value for each year based on the interest payment amount for each year; Calculate the average bond face value on the basis of the bond face value of each year; The bond issuance amount is calculated based on the calculated average bond face value. Personal bond transaction apparatus characterized by issuing bonds. The method of claim 16, The bond issuing server is a personal bond trading device, characterized in that for calculating the bond issuance based on all the subscribers included in the group to issue the bond. The method of claim 16, The bond issuing server is a personal bond trading device, characterized in that for issuing a bond by distributing the calculated bond issuance to all members included in the group. The method of claim 1, The bond transaction server receives and authenticates information of a member who wants to sell or buy a bond, Receive information about the bond you wish to sell or buy from an authorized subscriber, It is determined whether the bond is tradeable based on the information of the entered bond, If the bond is tradable, display the bond's information, If the subscriber wishes to sell the bond, it shall be disclosed to the seller, Personal subscriber transaction apparatus characterized in that the transaction is processed to purchase if the subscriber wants to buy the bond. The method of claim 19, When the subscriber wants to buy the bond, the bond transaction server displays the rate of change of monthly salary for each bond issuer belonging to the issuer group of the bond. The method of claim 19, When the subscriber wants to purchase the bond, the bond transaction server displays the rate of change of the savings for the monthly salary for each bond issuer belonging to the issuer group of the bond. The method of claim 19, When the subscriber wants to buy the bond, the bond transaction server displays the investment yield for each bond issuer belonging to the issuer group of the bond. The method of claim 1, The interest payment server inquires the bond database to extract the information of the bond to be transferred interest on the day, Extract the account information of the bond issuer set to pay interest based on the extracted bond information; Withdraw interest from the account based on the extracted account information, Extracting the account information of the bond buyer based on the extracted information of the bond, Personal bond transaction apparatus characterized in that for transferring the withdrawn interest to the account of the bond buyer based on the extracted account information of the bond buyer. The method of claim 23, The interest payment server is a personal bond trading device, characterized in that withdraws all of the balance of the account based on the account information of the issuer. The method of claim 23, The interest payment server is a personal bond trading device, characterized in that for setting the monthly interest rate in the payer's payroll account of the bond issuer to process the interest in accordance with the request from the authorized subscriber. The method of claim 23, The interest payment server is characterized in that when the salary is deposited in the payroll account of the bond issuer, the monthly interest rate is set, withdraws the amount corresponding to the monthly interest rate set in the salary and transfers it to the interest payment account. The method of claim 23, The interest payment server is a personal bond trading device, characterized in that for setting the monthly savings rate in the payer's payroll account of the bond issuer to process the interest in accordance with the request from the authorized subscriber. The method of claim 23, The interest payment server is characterized in that when the salary is received in the payroll account of the bond issuer is set the monthly savings rate, withdraws the amount corresponding to the monthly savings rate set in the salary to transfer to the savings account. The method of claim 23, The interest payment server is a personal bond trading device, characterized in that for setting the monthly savings in the payer's payroll account of the bond issuer to process the interest in accordance with the request from the authorized subscriber. The method of claim 23, When the salary is deposited in the salary account of the bond issuer is set the monthly savings, the interest payment server withdraws the amount corresponding to the monthly savings set in the salary and transfers it to the savings account. The method of claim 1, The interest payment server queries the bond database to extract the information of the bond to be transferred to the investment return on the day, Query the securities account of the bond issuer, wherein the extracted bond is set to pay an investment return based on the information; Calculate the return on investment based on the transaction information of the inquired securities account, In the case where there is a return on investment, the return on investment is calculated according to the set ROI rate, Personal debt transaction apparatus characterized in that the withdrawal of the investment return payment from the securities account of the bond issuer to be transferred to the account of the creditor. A method for issuing a bond from a registered subscriber upon application and processing the issued bond to be transacted between registered members, Receiving information about the issuer and the bond to be issued from the subscriber who wants to issue the bond; Evaluating whether the bond satisfies the information on the basis of the inputted issuer information; Generating the bond so that it can be traded if the issuer satisfies the information of the bond in the evaluating step; And Personal bond trading method comprising the step of trading the bond generated in the step of generating between the members. The method of claim 32, The step of receiving the information comprises the step of receiving and inputting the subscriber to issue a bond in one group. The method of claim 32, Wherein the step of receiving the information personal bond trading method characterized in that for receiving the salary and salary information of the subscriber to issue a bond. The method of claim 32, The receiving of the information includes receiving a payroll account, an interest payment account, and a savings account of a subscriber who wants to issue a bond, and creating an account. The method of claim 32, The evaluating step includes selecting a bond issuer that is the basis of a bond issue; Calculating a salary of the selected bond issuer; Calculating the income for each year of the issuer until the bond expires; Calculating an interest payment amount for each year until bond maturity based on the income for each year; Calculating a bond par value for each year based on the interest payment amount for each year; Calculating an average bond face value based on the bond face value of each year; And Personal bond transaction method comprising the step of calculating the bond issuance based on the calculated average bond face value. In a method for issuing a bond from a registered subscriber upon application, and processing the issued bond to be transacted between registered subscribers, Receiving information from the subscriber who wants to issue the bond and information about the bond from the subscriber who wants to raise the bond; Publishing the information input in the step of receiving to the subscriber; Receiving an applicant for the information of the disclosed bond; Evaluating whether the information on the bond is satisfied based on the received applicant information; In the evaluating step, if the applicant satisfies the information of the bond, generating the bond so that it can be traded; And Personal bond trading method comprising the step of trading the bond generated in the step of generating between the subscriber. The method of claim 37, The step of receiving the information is personal bond trading method characterized in that for receiving the condition information on the salary and salary of the bond issuer. The method of claim 37, The evaluating step includes selecting a bond issuer among the applicants as a basis for issuing bonds; Calculating a salary of the selected bond issuer; Calculating the income for each year of the issuer until the bond expires; Calculating an interest payment amount for each year until bond maturity based on the income for each year; Calculating a bond par value for each year based on the interest payment amount for each year; Calculating an average bond face value based on the bond face value of each year; And Personal bond transaction method comprising the step of calculating the bond issuance based on the calculated average bond face value. The method of claim 37, Wherein the trading step comprises the step of processing the subscriber to seek the bond to buy the first bond.