KR20100072130A - A method and system of investment linked with purchasing goods using internet - Google Patents

Abstract

PURPOSE: A method and a system of investment linked with product purchasing using an internet are provided to enable an investment attracting company to obtain funds with a small amount of costs. CONSTITUTION: Order price is prepaid. A purchase order list in which the order price is deposited is checked. Product delivery is directed to a product sales company. The product sales company delivers an ordered product. Cash or stocks of the company, which are defined in the agreement are assigned to a product purchaser who pays the price or a product taking person for free or with some price(308,309).

Description

A method and system of investment linked with purchasing goods using internet}

1 is a flow chart of information between a venture investment system building block and building blocks in the prior art;

Figure 2 is an exemplary financing plan for growth stages of a new start-up company in the prior art.

3 is a flowchart of the overall operation of the present invention investment system.

Figures 4a and 4b is a comparison table of investment products features of the prior art and the present invention.

5 and 6 are operational flowcharts of the means for establishing a profit community relationship of the investment system of the present invention.

7 is a flow chart of the operation of the joint benefit pursuit means of the present invention investment system.

8 is an exemplary view of the conversion criteria and method when calculating the customer profit contribution point of the customer.

Figure 9 is an exemplary stock dividend payment method for the stock dividend sale goods buyers of the present invention.

10 is a customer investment management and escrow service flow chart.

11 is an example of a stock dividend method example of a third party company for the purchase of stock dividend selling products.

Figure 12 is an exemplary financing plan for growth stages of a new start-up company in the present invention.

Figure 13 is a comparison chart of the financing possibility and success of new start-up companies by technology environment.

14 to 21 is a flow chart of the building blocks and inter-block building blocks for each embodiment of the present invention investment system.

Figure 22 is an illustration of the investment product main menu screen of the investment mediation site of the present invention.

Fig. 23 is a diagram illustrating an example screen for introducing a stock dividend sale product of an investment brokerage site;

Figure 24 is an illustration of a list of investment companies by the customer of the investment mediation site.

25 to 28 are diagrams illustrating a point acquisition details screen for each investment company and a point-based cash and stock dividend details screen related to FIG. 24.

29 is an exemplary view showing a customer information DB data structure for each investment company.

30 to 32 is an exemplary view of the customer investment deposit account book management and breakdown form.

33 to 37 is a detailed illustration of the building blocks and operation of the present invention investment system.

38 is a comparison table of characteristics of the venture investment association of the prior art and the investment association of the present invention.

39 is a comparison table of investment cycle process characteristics of the prior art and the present invention.

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

100: commodity sales company computer 600: commodity buyer terminal

700: means of investment brokerage 704: means of introducing investment products

730: purchase price management means 736: product purchase fund DB

741: commodity fund account 800: customer investment deposit management means

811: customer deposit account 750: accounting firm terminal

300: Private equity market 400: IPO

(Technical Field of the Invention)

The present invention provides a method of procuring (composing) Venture Capital (VC) through the Internet, selecting an investment destination, multiplying the invested capital and recovering the invested capital, and using the networked devices in an automated method. Is a description of a system that performs

Capital investors can invest less capital in the prior art, increase their investment success rate than in the prior art, and increase their return on capital (revenue / capital) than in the prior art,

Capital-raising firms (such as venture firms) are not only able to more easily raise funds with less time and cost than in the prior art, but also make their business more successful than in conventional financing. The invention relates to.

In the following description of the gist of the present invention, the venture capital investment company mainly uses a non-public venture company as an example, and the prior art practitioner for the procurement, investment and recovery of the venture capital is a venture capital company as an example. However, in practice, the practice of the prior art is not limited to this, and includes various financial sector companies such as banks, investment banks, securities companies, insurance companies.

(Field of the Invention Prior Art)

Hereinafter, regarding the conventional venture capital investment system and method of the present invention (hereinafter referred to as "prior art"), "Institutional Improvement Study for Efficient Venture Capital Market Construction" by Lee In-chan and four others (2001), ICT Policy Researcher Report 01-41, South Korea; “An Empirical Analysis on Investment Behavior of Venture Capital in Korea” by “Kyung-Won Lee and 3 Others (2002)”, Korea Information and Communications Policy Institute, Report 02-14, Korea; “Activation Plan of Korean Venture Ecosystem” by Lim Chae-yoon and Five People (2006), Korea Institute of Science and Technology Policy, Korea; And “Venture Capital Handbook”, Peason Education, Inc, USA, “David et al. (2002)”.

Thus, all the contents of the above references are included in the prior art of the present invention by reference even if not described in detail herein.

Importance of initial capital investment in startups

The success or failure of a company depends on sales and profit rates, the sales and profit rates depend on the number of customers and customer loyalty, the number of customers and loyalty depends on product quality and price, and the product quality and price is the company's brand awareness. , Credit, distribution, funding, management, talent, technology, productivity and manufacturing costs. Thus, from this point of view, large firms have an absolute advantage over competition over SMEs and venture firms.

In order for venture firms to compete with large corporations, competitors such as large corporations can develop new products (including services) that generate new demand with new ideas or new technologies, or even existing ones, better or cheaper than large companies. You should be able to dominate the market quickly before entering. To do this, long-term survival can be achieved only by investing enough capital from the market entry stage to secure competitiveness in terms of product completion and productivity.

Particularly in the service industry, the most expensive investment in the early stage of the business, so sufficient investment in the early stage of the business will determine the success or failure of the business. Nevertheless, in the prior art, it is difficult for a venture company to raise externally even a small amount of funds at an early stage. Moreover, even if a venture company starts a business with a small capital investment and enters the market, if a competitor with a large amount of capital enters the market, the company loses its competitiveness due to lack of product completion, price, marketing, and distribution network. Especially in the case of the internet business such as portal sites, once it becomes the number one company, “more advertising revenue than competitors”-> “increasing company market value”-> “attracting more investment at less cost than competitors”-> “than competitors” Investing in more physical and human resources ”->“ Better than competitors in cost-effectiveness due to harvest growth and economies of scale ”->“ Improve brand awareness by providing better service than competitors ”->“ More than competitors ” While a lot of customers and customer loyalty ”->“ network effects ”are repeated on a virtuous cycle, they lose their competitiveness or, in the case of early companies, network effects, harvesting effects and economies of scale. You have to compete with the No. 1 company without any merits, and productivity and profitability are higher than the No. 1 company over time due to the lack of brand awareness. Due to the vicious principle of low sales and low sales, the principle of winner reading is commonly applied in various industries in the Internet-based digital economy. Therefore, even if a venture company, especially a start-up company, has a good idea or a good technology, the possibility of business success is extremely low. Therefore, despite the government's various administrative and financial support, the possibility of attracting external investment is very low.

(Characteristics of Venture Business)

Venture companies are generally defined as “adventurous companies seeking new business opportunities based on new ideas and technologies.” In terms of size, they are small and medium-sized business groups. Characterized by companies with the potential for relatively high growth and high revenue generation.

In terms of competition, large firms generally aim to maintain market share or prevent new firms from entering the market by deliberately lowering commodity prices, rather than improving the quality of products through technology development. In response to the barriers to entry, we take the strategy of market entry or market creation by technological innovation. Innovative technologies have a large social ripple effect that can enhance the competitiveness of society as a whole, provide new market opportunities and increase social welfare. Therefore, venture firms are stressing their importance as the subject of innovative technology development, but they are having difficulty in growing their companies because they have limited capital raising from the outside due to their high characteristics and high information asymmetry. Therefore, the capital supplied to venture firms is adventurous. However, this capital is not just venture capital, but is provided to venture companies through the medium of angel investors and venture capital. Angel investors and venture capitals use their experiences and networks to mitigate the inherent characteristics of venture firms (high risk, information asymmetry, etc.). Venture capital's ability to bring venture capital from multiple investors into the venture sector through a more systematic and open process than angels.

(Why Venture Funds Difficult)

First, there is high uncertainty. Venture companies are in the early stages of growth or in the early stages of growth, and potentially pose a high level of uncertainty, as high profit generation demands pioneering new demand through advanced technology. Uncertainty is the probability distribution of future outcomes, and the high-tech technologies on which venture firms are based did not exist. Therefore, there is a lack of information on the probability of success or the relevant market size.

Second, information asymmetry between venture companies and potential investors with different information on the financing related information such as the vision of technology or business ideas, internal business processes, market trends, etc. There is an information asymmetry or an information gap. Venture entrepreneurs have more information about specific technologies and what is going on inside them than outsiders. The superiority of this information gives venture entrepreneurs the incentive to take opportunistic behavior. In particular, this information asymmetry between venture entrepreneurs and external investors creates a conflict of interest between them. For example, an entrepreneur can hide its weaknesses, inflate its performance and insist that its business is attractive to investors. In addition, they may take more uncertain strategies than promised at the time of capital raising, or entrepreneurs may not work hard to do what they expect. Moreover, an entrepreneur can pursue a project that raises his reputation with investor funds so that even if the project's performance is poor, the entrepreneur can enjoy private benefits while running the project.

Third, venture firms rely on cutting-edge technology or novel ideas, so they lack physical assets such as buildings, machinery, or real estate, while intangible assets or soft such as patents, registered trademarks, or entrepreneurs' human capital. asset). Most capital lenders, such as banks, use their assets as collaterals to make loans, and their main clients are companies with sufficient collateral. They are also targeting companies with relatively low risk of business in their maturity phase. As a result, companies with relatively high risks of business and lack of collateral are likely to be unable to raise funds from them. Moreover, venture firms that rely on intangible assets have difficulty in raising capital in a situation where the market for evaluating and assigning value to intangible assets held by venture firms is not active.

(Functions and Roles of Venture Capital)

Venture capital plays a key role in venture systems. Investment targets are companies that have high growth potential and business potential but have high risk and are not easy to finance from general financial institutions such as banks. Therefore, venture capital is a group of professional investors who make private equity investments for private companies, not public ones, to mitigate the characteristics that venture companies have inherently. First, it provides financial support to companies in the growth period, which are difficult to finance because they cannot borrow through general financial institutions such as banks. Second, post-investment management is conducted to alleviate uncertainty about the future of venture companies invested with the knowledge accumulated through various experiences of venture capital. Third, as a professional investment agency, it can weaken the information asymmetry that can occur between venture companies and external investors.

Due to the role or function of venture capital, venture firms have the demand for venture capital funding and management support, and external investors have the opportunity to invest in venture firms through venture capital. Funds may flow in.

Venture capital's activities typically go through a cycle of raising funds through an investment union, selecting and investing companies, and exiting the investment phase. And when one cycle ends, the same cycle is repeated through the formation of another investment association.

Venture Capital Investment Behavior

According to the statistics, the initial success rate of attracting investment from venture firms is based on only those proposed to venture capital firms. In the US, only 6 (0.6%) of about 1,000 proposals are attracted, and the ratio of listed companies to IPO is Considering 10%, only 0.06% of the total investment proposals succeed to IPO. The reason for this low investment rate for early startups is that they have little market performance and there is not enough corporate information to refer to, making it difficult to assess the value of a company, and it is likely to grow but fail. In addition, R & D concentration is generally high. Therefore, these firms are hard to fund by external investors, making it almost impossible to raise funds. Among them, the problems of start-up companies in high-tech industries are more serious. Therefore, it is more difficult to attract external investment for early companies in high-tech industries.

The proportion of growth stages of venture firms that received funding from venture capital firms is 4.7% in the start-up stage (start-up, less than 18 months after start-up), and early-stage (less than three years after start-up) in the United States. 29.7%, 51.8% for expansion (less than 5 years after establishment) and 13.8% for late stage (more than 5 years after establishment).

In the form of investment,

U.S. venture capital firms are required to acquire information on the performance of their investments in stages, reevaluate them, and then stage investments (approximately three times before the IPO except for angel investments) to determine additional capital raising and funding. It is usually done. As a result, venture capitalists have the opportunity to obtain additional information through staged capital investments, addressing information asymmetry and agency problems for enterprises, thereby reducing potential investment losses and maximizing returns. However, Korea's venture capital firms are making short-term investments by only 5% due to lack of monitoring and lack of investment resources. As a result, the company will not only have to raise additional funds from other venture capital in the growth stage, but also allocate more shares.

Most venture capital firms in Korea still lack awareness of staged investment, and stepping up additional funding to a particular venture firm recognizes that too much money is invested in that firm, making it difficult to distribute risk. The reasons for this behavior are: First, they are not engaged in activities (ie monitoring) to obtain additional information about investment firms. Second, even though additional information can be obtained through monitoring, it does not have the expertise and experience to use it for additional investment. Third, investment financing is not easy enough to allow secondary and tertiary funding to specific investment companies.

(Problem of venture capital)

Summarizing the problems of the venture capital in the prior art presented in the foregoing description and the above references are as follows.

1) The process of venture capital investment in the prior art consists of the stage of discovery of venture company-> review-> evaluation-> contract-> monitoring and management support. Most of these stages are performed by one venture capitalist per investment union, which is time-consuming and expensive, often involves the interests of the individual (venture capitalist), and the investment success rate is inevitably deteriorated due to the lack of expertise. none.

2) The venture capitalist's remuneration system for investing agents in funds raised by investors is also disadvantageous for investors. They receive about 2% -3% of the funds they manage and receive about 20% -30% of the profits they receive, but they are not responsible for the loss.

3) Even though venture capitalists act on behalf of investors, there is often a moral hazard that puts the interests of the individual or affiliated investment company over the interests of investors or neglects the management.In this case, the investors cannot claim compensation directly. It is only for reference during the next round of venture capital raising.

4) The investor selects and manages an investment company through an agent called a venture capitalist and is provided with information about the investment company, so it costs more and more time and costs than one directly from the company as in a public company. As a result, information asymmetry is increasing due to lack of expertise and the possibility of intentional concealment / distortion.

5) Investors and venture capital firms (venture capitalists, or agents of investors), venture capital firms and venture companies (ie, venture capitalists' agents) in the process of “procurement of venture capital”-> “investment”-> “recovery of investments”; In addition, there should be monitoring of the implementation of complex contract documents related to the agency and the performance of contracts.

6) In particular, in Korea, venture capital firms manage company funds and investment union funds.In this case, investment capital is invested or experienced in early stage companies or risky businesses rather than corporate funds due to venture capital liability. This enemy is managed by venture capitalists, and there is a possibility of a moral hazard.

7) In the case of joint investment, rather than utilizing the expertise of venture capitalists in their specialized fields, they may be used as a means of evading risks or diversifying risks and for human exchange or cooperation between venture capitalists.

8) In the case of shared investment, the general investor's funds (combined funds) may be used as a means of raising corporate capital.

9) If venture capital invests in early stage ventures, it is difficult to recover funds. The reason is that the average establishment years of IPO registered venture companies is more than 8 years, while the average duration of investment association is 5 years, so if investing in venture companies within 3 years of establishment, the possibility of recovering investment funds through IPO It is low and Korea is unlikely to recover investment from the market because M & A is not active.

10) The success rate of investment attraction from venture capital of venture companies is extremely low. In particular, it is almost impossible for a start-up company. In addition, investment takes too long (at least six months), requires a complex evaluation process and is expensive.

11) Even when receiving investments, investment contracts are too unfavorable, and most of the one-off investments do not attract enough funds at one time, requiring investment from different venture capitals in different stages of growth. More shares will be given up.

The present invention is to solve the problems of the prior art as a general investor (commercial buyers) directly through the Internet site of the venture company and IR and / or product introduction material directly through the investment company, such as venture capitalists, venture capitalist list directly It aims to provide not only decision-making but also small-scale investments, and technology that enables significant investment success and returns while significantly reducing investment risk.

In addition, even in the form of customers' investments, not only money investment but also expressions of interest on investment companies can be regarded as investments, so that their contributions can be quantified to receive cash and / or stock dividends. The goal is to provide a technology that enables high-yield, high-yield investments.

In addition, capital attracting companies (such as venture firms) can more easily raise more capital with less time and less procurement costs than in the prior art, as well as increase their business success rate than in attracting investment by the prior art. Its purpose is to provide a technology that makes it possible.

The first technical problem of the present invention for this purpose is to provide a technology that enables a fund-raising company to raise necessary funds at a low cost.

The second technical problem of the present invention is to provide a technology that enables a start-up company to obtain a large number of loyal customers at the beginning of the start-up to obtain a large amount of sales and profits even at a low sales cost.

The third technical problem of the present invention is to provide a technology that can significantly reduce the production cost, distribution cost and management cost by being able to manufacture a product according to a pre-order company.

The fourth technical problem of the present invention is that a product buyer can acquire stocks of a merchandise sales company (merchandise manufacturing company) that can make high profits only by purchasing the goods free of charge or at a low price. Even buyers are providing technology that allows them to own shares of good companies.

The fifth technical problem of the present invention is to provide a technology that enables a commodity purchaser to contribute to the company's profits by sharing interests, such as viewing advertisements, in addition to financial investment, for the company that owns the stock.

The sixth technical problem of the present invention is to provide a technology that enables an investor (a buyer of a product) to make an investment that can conveniently and safely invest with a small amount of money and obtain a high profit early without going through an investment broker. will be.

The seventh technical problem of the present invention is to provide a technology that allows a commodity buyer to conveniently purchase a commodity in an online and / or offline state using an investment deposit account and receive a profit and a transaction history thereof.

An eighth technical problem of the present invention is to provide a technology that allows an investor (purchaser of goods) to be promptly and accurately provided with management performance information of an investment company.

The ninth technical problem of the present invention is to provide accurate information on investment products and investment companies, thereby minimizing information asymmetry, so that ordinary investors (purchasers of goods) can directly and safely eliminate direct agent costs. It is to provide a technology that can be minimized.

The tenth technical problem of the present invention is to provide a technology that enables an investment firm to easily and quickly raise necessary funds without complicated procedures and complicated documents for investment attraction.

Hereinafter, the detailed configuration and operation of the present invention will be described with reference to the drawings and various embodiments. However, the description of the known technology will be omitted or briefly described.

In the claims of the present invention, it is described as a step in the case of claiming the constituent block unit of the present technology by a method, and in the case of a system or as a means or a module. The means or module may comprise one or more computer programs for implementing the functionality of the method, the hardware on which the computer programs are embedded and / or a database associated therewith, the one configuration block comprising one or more sub-component blocks. It consists of.

The terminology used herein and the terminology used in the claims may be slightly different for the same functionality. The specification is intended to provide a variety of embodiments and a detailed description for the purpose of implementing the subject matter. It should be understood that there may be enough. Therefore, although the names are slightly different, the true meaning should be interpreted considering both functions. In addition, unlike other well-known patent specifications, the present specification does not describe the contents of the patent claims in the specification even if the description of the claims and the description are slightly different for the same technology when the subject matter is described in the specification. In this case, the technical configuration described in the patent claims is also a part of the present specification.

The method of the present invention is a computer or computer functioning investment mediation means 700, purchase price management means 730, accounting firm terminal 750, product sales company computer 100, customer investment deposit management means 800, It is implemented through a computer program installed in the product purchaser terminal 600, the program is a program for implementing the logic (logic) of the method of the present invention through a computer in the state stored in the storage means of each computer ( The present invention is executed by controlling the respective components (means) of the system of the present invention in accordance with a call of a CPU) and a control command by the method of the present invention.

The storage means is a computer-readable recording medium, and examples thereof include ROM, RAM, CD-ROM, DVD, magnetic tape, magnetic disk, floppy disk, optical data storage device, flash memory, and the like. For example, it is implemented in the form of transmission over the Internet). In addition, the computer program may be stored and executed in the form of computer readable code in a distributed manner in a plurality of networked computer systems.

Hereinafter, the components having the same function among the components of the present invention shown in the drawings use the same reference numerals as much as possible. In addition, when describing some components of the whole components of the present invention, only the minimum components related to the above description will be shown.

(Features and problems of the prior art)

1 and 2 are diagrams for explaining the process of capital procurement, the possibility of capital procurement, and the success of starting a new company in the prior art.

1 is a flow chart of information between a venture investment system component block and a component block in the prior art. Specifically, the founder's capital raising and investor in the process of growing up to IPO (Initial Public Offering) Investment risk and return on investment and investment risk and profitability by capital investment market (stage).

(Capital Raising Path of Venture Companies in Conventional Technology)

① The start-up fund is generally funded by a small amount of capital or angel investor (120) to start the business. Since the investor's profitability and the risk of investment are the highest, the ratio is higher than the amount of investment (financing). Will transfer its shares.

② In general, angel funds are not enough until IPOs, and then they will be financed by venture capital 200. In general, they will attract a total of three investments from the same venture capital or different venture capitals. For investors, investment profitability and investment risk are less than at the stage of angel investment, so they will transfer a lesser share of the same amount than at angel investment. The amount of funding is generally greater than in angels.

③ If more money is needed up to the IPO, the next step is to raise funds from private equity markets, including private equity funds. For investors, investment profitability and investment risk are the same because they are less than in the venture capital investment stage. It will transfer a smaller percentage of its shares than in venture capital investments. However, at the risk of bankruptcy, a larger proportion of shares are transferred. It is often used in resolving temporary funding shortages before peer M & As or IPOs, and the amount of funding is generally higher than in venture capital.

④ The financing costs are the lowest for founders as a stage of financing at an IPO. In other words, it is possible to easily raise the most funds while transferring the smallest proportion of funds per funding unit. On the other hand, investors are less profitable but at the lowest risk. Therefore, when a venture firm grows enough to raise funds at this stage, it is generally regarded as successful in startup.

(Investor's Investment and Return on Investment in Conventional Technologies)

In the case of the investors 500 and 600, the risk market and the return on investment are considered in the venture company 110 through the angel market 120, the venture capital 200, the private stock market 300 and / or the IPO 400. The investment risk and return on investment for each investment market are generally in the order of angel market (120)> venture capital (200)> private equity market (300)> IPO (400).

The investor's investment and payback path is

In case of investing in the angel investment market stage (120), the investment can be recovered by selling the ownership stake in one or more of the venture capital (200), private equity market (300), and IPO (400) depending on the degree of investment success. have. In other words, when the investment company 110 enters the IPO, the company's ownership can be sold in the IPO 400, thereby obtaining the largest return on investment (investment return).

When investing in the venture capital investment market stage (200), the investment is recovered by selling the ownership stake in one or more of the venture capital (200), private equity market (300), and IPO (400) according to the degree of investment success. can do.

In the case of investing in the private stock market stage 300, the investment may be recovered by selling the ownership interest in one or more investment markets of the other private stock market 300 and the IPO 400 according to the degree of investment success.

2 is a diagram illustrating a stage of growth of a new start-up company in the prior art, and analyzes and explains a general funding plan when starting a new company in the prior art, the possibility of raising capital according to the plan, and the success of the start-up. It is a figure for following.

(Prerequisites for Financing Plan)

1) Entering the market As a company's growth plan for an online game business aimed at IPOs after 2 years of June, the company will secure a minimum market for long-term survival after new entry into the existing competitive market dominated by A. Procurement plan. Therefore, suppose that B is a new start-up company, but quality and price competitiveness, such as the interest of B's game products, are not inferior to A's game from the early stage of market entry.

2) Assume a total of 5 billion financing from different venture capitals (VC1, VC2, VC3), going through three investment rounds before the IPO.

3) The company's value is the net value of tangible and intangible corporate assets as a target (evaluation) of the company's value.

(Possibility of financing and business success)

1) Long-term survival depends on cost reduction and quality improvement through economies of scale by securing sufficient number of customers and customer loyalty. Product quality and price similar to that of A company is already existed because there is already a market leader A. In terms of competitiveness, it seems difficult to secure enough customers and customer loyalty at an early stage.

2) As a result, even if the company grows until the company is listed on the IPO by raising / investing funds according to the plan, the quality and price competitiveness will increase as time goes by. As a result, the gap between the number of customers and customer loyalty with A is expected to increase.

3) In addition, financing is unlikely to be as planned, given the company's Internet business and the brand effect.

(Core configuration of the present invention)

3 to 13 are diagrams for explaining the gist of the present invention.

FIG. 3 is a flowchart illustrating the overall operation of the present invention investment system. Specifically, the present invention is for explaining the essential points of the present invention investment system illustrated in FIG. 16 and the like. The investment method of the present invention includes the following steps.

Step 301, in which the investment broker 700 contracts a certain amount of shares of the company on the basis of the mass sale (purchase) of the merchandise sales (manufacturing) company 100 and the stock dividend sale product on behalf of the potential buyer. ;

Step 302 of registering, by the product selling company 100 or the investment brokering company 700, product introduction information to be sold on the condition of stock dividend on the investment mediation site;

A step 303 in which the product purchaser 600 views the product purchase fund operating conditions and / or registered stock dividend selling product introduction information after joining the investment mediation means 700 site;

Selecting a stock divider selling product to be purchased (invested) by the product purchaser 600 and depositing the product price to an account designated (managed) at the investment mediation means 700 site;

Step 305, in the investment brokering means, transmitting the stock dividend selling goods mass (co) purchase information including the product buyer and the purchase quantity to the product selling company;

Step 306, in which the merchandise selling company delivers (provides) the ordered goods to each stock dividend selling merchandise buyer (or a third party designated by the buyer; the same for the following delivery);

Step 307, in which the investment brokerage company deposits the goods price on behalf of each buyer for the goods delivered to each goods buyer to an account designated (managed) by the goods selling company;

Part of the increased profit and / or company value resulting from the purchase of the bulk prepaid order of goods by the merchandise sales company 100 as specified in the contract of step 301 is specified by the buyer (or buyer, such as the recipient of the goods) in the form of cash and / or stock. Step 308, directly to the third party, the same as for the following dividend) or to the investment brokering company 700;

Step 309, in which the investment brokering firm delivers the cash and / or stock allocated by the merchandise selling company to the merchandise buyer as it is, or instead divides it into shares of a third party company such as a company;

Step 310, which is performed by the product buyer for profits of the merchandise selling company, such as the continued purchase of merchandise selling company merchandise allocated to the stock; And

Step 311, in which the commodity selling company communicates the company profit activity information by commodity buyer and the resulting increase in company profit and / or enterprise value to the commodity buyer directly or through an investment broker in the form of cash and / or stock.

The term "commodity selling company 100" is a product supply (selling) company from the point of view of a product purchase (acquisition) of a product purchaser 600, even for a product manufacturing company, for the convenience of description, the following specification and claims In the term "commodity selling company". In practice, however, the term commodity selling company includes a commodity manufacturing company.

The bulk purchase (purchase) contract in step 301 should specify the distribution of cash and / or stock to the buyer of the goods in the form of a joint purchase, purchase brokerage, or consignment contract for the benefit of the potential buyer, and the lawyer Notarization is preferably included. In addition, if the purchase quantity is large, it is desirable to reduce the price by that amount, and the purchase amount per person can be limited to a certain amount in consideration of the stock dividend.

The contract in step 301 is a provisional contract, and the formal contract is concluded after the payment of the stock dividend selling goods (co-operative) purchase fund of the present invention is confirmed after the payment in step 304 is completed, and the order information is sold in step 305 accordingly. It is preferable to transmit to the enterprise 100 (this is the same in other drawings below).

In addition, when a large amount of orders is required in step 306, the delivery date should be different for each customer, as shown in FIG. 23, it is preferable to inform the above items in advance in the investment product introduction IR, and change the price according to the delivery date and allow the customer to select the delivery date. .

Buyers of goods include individuals, institutions, companies, and selling companies, and institutions, companies and selling companies may not limit the purchase price and quantity sold.

The investment agreement (commodity sales brokerage agreement) is concluded on the condition of the stock allocation between the present invention company performing the investment intermediation means of step 301 and step 302 (commodity sales brokerage contract), and the commodity sales company introduces the sales product introduction information into the investment mediation means ( The registration process on the website is similar to the procedure of selecting a product to be sold and a product introduction (TV broadcast) in the known TV home shopping business field.

Considering that the customer-owned equity stake in the contract in step 301 is freely distributed by the present invention, the voting right is represented by the investment broker 700, and the total customer-owned stake increases to paid-in capital. The same can be concluded.

In the registration of product introduction information in step 302, the investment intermediation means assigns a fund (identification) code to each product introduction information, as shown by reference numeral 2303 of FIG. It is desirable to use it as an interlocking means for information related to orders, payments, deliveries, payouts, cash and / or stock dividends between the related building blocks (example in FIG. 35).

In the step 303, the present invention of the stock dividend sale product purchase (investment) terms and conditions and agreement agreement procedure may be replaced with a product order and payment in advance after viewing the product introduction information of the product buyer. The terms and conditions may be in the form of a contract for a merchandise sale contract, or the registration of the merchandise with the information of the merchandise to be sold may use the standard terms provided by the investment broker 700.

The bulk dividend purchase (purchase) contract of the stock dividend sale product of step 301 may invalidate the contract if no more than a predetermined number of product purchase orders are made or purchase price discount without stock dividend. This is also the same in the other drawings below.

The purchase price of the stock dividend specific product (A-1 in FIG. 18) deposited in the investment mediation site designation (management) account through step 304 is substantially in the form of a specific product (A-1) co-purchase fund (investment fund). Is operated. Thus, depending on the size of the fund, the bargaining power may differ in negotiations such as purchase price, cash dividends and / or gratuitous dividends, and thus, the yield of the fund and the profit per customer may vary.

In the step 306, the delivery means includes an intangible product such as a digital product, which is directly transmitted online, and in the case of a tangible analog product, delivery by courier or mail.

In the present invention, unlike the prior art, if the founder or the angel manufactures only the prototype, the product manufacturer's money is not only provided in advance by procurement of the goods for sale as a business item introduction through the present invention, but also secures a large number of loyal customers. As in the prior art, it is not necessary to procure a product manufacturer fund from an investment company such as a venture capital, so it is easy to attract a founder fund and an angel fund. In the case of small (less than 10,000 won) products, prepaid orders can be sold using technology such as business plans or patents without prototypes. Therefore, it is an advantage of the present invention that the success of the present invention is entirely determined by how excellent the business model is, rather than financing or marketing channel securing, as in the prior art.

In step 305, the investment brokering means may provide order (purchase) information to the product selling company and prepay all or part of the funds for the product purchase fund created in accordance with the contract in the form of bonds. It is preferable that the investment intermediary 700 preserves all or part of the damages of the product buyers incurred by prepayment to the product selling company in accordance with the contract (terms, etc.) with the product buyers (this is as follows. Is also the same). In addition, if the amount of investment fund (commodity purchase fund) is greater than the investment request amount, investment can be made in stages or with paid-in capital increase.

In the case of the payment of goods (deposit) in the above step 307, if the price paid by the product buyer 600 is an annual service fee and the investment intermediary means pays the service fee on a monthly basis to the product selling company 100, the investment brokerage The means 700 preferably pays the service fee on a monthly basis according to the delivery result notification of the product buyer, and the service fee of the undelivered month is settled annually and refunded to the product buyer. This is also the same in the other drawings below.

In addition, the payment of the commodity (or the balance) may be made after or at the same time as the dividend of cash and / or stocks in step 307.

If the product purchase order of the number specified in the mass goods purchase (purchase) contract in step 301 fails before step 305, the deposited product price can be refunded and the operation can be terminated, or the process can be completed only up to step 307, so that only the discount purchase without stock dividend can be performed. . This is also the same in the other drawings below.

The characteristics of the stock dividend prepaid reservation sale gift certificate (hereinafter also referred to as "the invention gift certificate") of the present invention as an investment product are as follows.

1. Definition of pre-paid pre-sale vouchers by the stock dividend: Products pre-sold and sold on a pre-paid basis on the basis of allocating some of the profit and / or enterprise value of the goods selling company to the goods buyer in cash and / or stock for the prepaid reservation purchase of the goods buyer. As an exchange bond (that is, one form of a commodity conversion bond), it is used also as a stock dividend sale gift certificate, a stock dividend sale product, a stock dividend gift certificate, or a stock dividend product for convenience in this specification and drawing.

2. Characteristics of the present invention gift certificate as an investment product

end. Providing stock rights as a compensation for loss of commodity exchange value

   -Loss of time value of capital: Products of the prior art can be exchanged immediately for cash in the market, but the present invention vouchers are prepaid bulk pre-purchased. Procurement may require more time and in some cases may be delivered later than the specified delivery date. Therefore, the investor experiences the loss of interest on the investment (commodity price) and the loss and anxiety of the time utility value of the commodity consumption.

    -Risk of loss of value of product quality: The products purchased with the present invention gift certificates are not only high-quality products of the maturity period generally sold in the market as in the prior art but also completeness and quality due to the early stage products of new technology, even though they are released as products. It may be a low-level product, or it is a developmental product that is in the prototype stage due to the pre-purchase, or the product has not been completed yet.The buyer of the product cannot check the product in the market and can only check it through the business plan or presentation through the website. It may be a commodity. As a result, the buyer of the product would, in the worst case, take the risk of not receiving the product and make an investment (prepaid pre-purchase of the product) in return for the company's stock in addition to the product.

I. Reduced investment risk and remaining risk are shared by all buyers

Venture investment in the prior art has raised the cost of financing venture companies because both angel investors or venture capital bear the risk of loss of time and product quality value of the capital. As a result, venture companies have to transfer large stakes to investors, which makes it difficult to maintain management right up to the IPO and is a factor in the management's deterioration. However, even if the company regenerates so many shares and raises a lot of funds, the long-term survival and growth of the company ultimately depends on securing large sales through securing many customers and customer loyalty as in the example of FIG. 2, such as angel or venture capital. Attracting investment through minority investors is helpful only at the production stage and is not very helpful except in terms of marketing expenses to solve the consumer and customer loyalty problem.

The vouchers of the present invention rarely spend marketing costs because they can solve not only the financing, that is, the production stage but also the sales problem by combining the investor and the consumer in consideration of the above problems in the prior art. Production costs can also be significantly reduced due to pre-order production, which not only significantly reduces the investment risks of attracting companies and investors (commodity buyers), but also distributes the remaining investment risks to commodity buyers (ie investors). By hedgeing, even in the worst case, an individual investor is only required to bear the risk of loss of the purchase price of an ordered quantity of goods, thereby significantly reducing the risk of investment loss while significantly increasing the investment success rate and return on investment.

It is a "Hedge technology of innovative risk capital" developed by applying high-level financial engineering, investment engineering, e-commerce technology, IT technology and financial, accounting and management knowledge.

4a and 4b is a comparison table of investment products features of the prior art and the present invention, specifically,

Figure 4a is a comparison of the characteristics of the "gift certificate" of the prior art in terms of the commodity exchange of the "stock dividend prepaid pre-sale vouchers" of the present invention,

Figure 4b is a comparison of the features of the prior art "new stock rights bonds (BW)" in terms of stock acquisition rights of the "stock dividend prepaid pre-sale vouchers" of the present invention.

Examples of the application of the "stock dividend prepaid pre-sale voucher",

In the case of a movie product, a form of “stock dividend prepaid pre-sale voucher” is pre-purchased on the Internet in advance of a particular film production or during the production stage, and the “prepaid receipt” is issued by the Internet banking system accordingly. The bank transfer payment is confirmed, which becomes the "stock dividend prepaid pre-sale voucher". As a result, the debtor's investment product sales / production company (film company) is obliged to deliver the goods (screening) and share company profits (ie stock dividends) to the “prepayer”.

In the case of TV dramas, the inventor of the present invention contracts the distribution rights other than TV broadcasts while setting the price according to the TV viewer ratings, but if the viewer ratings are high, the broadcaster can make a high advertising revenue, so the contract price is lowered. You can contract. On the other hand, while selling stock dividend sales products in small amounts in the form of Internet channel viewing rates, if the TV viewing rate is high, the ratio of the non-TV broadcast price is lowered to inform the investor (customer) that the return on investment is higher. It can be raised so that both the present inventor and the viewer can benefit. In addition, viewers as investors can revisit dramas on Internet channels at low rates (investments), and share revenues on investment companies' Internet ad revenue growth.

In addition, in the case of book products, it is a form of "stock dividend prepaid pre-sale voucher" before printing the book based on the contents of the book and / or the author's recognition, and pre-sales the corresponding book exchange ticket on the Internet as above. Based on this, the publisher is responsible for customizing (printing) the books, delivering them to prepaid payers (or those designated by the payers) and sharing the company's profits (ie stock dividends). Meanwhile, the buyer of the product (investor) will have the right to take over the book and share the company's profits with the shares specified in the contract.

In addition, as shown in the example of FIG. 18, the present invention dedicated stock dividend prepaid pre-sale voucher may be issued through a gift certificate issuing / distributor 920 to be used for purchasing the stock dividend selling product of the present invention.

5 and 6 are operational flowcharts of the means for establishing a profit community relationship of the investment system of the present invention.

5 is a flow chart illustrating an operation procedure of a profit community relationship establishing means through a direct transaction among the operations of the present invention investment system illustrated in FIG. 3, and the process of establishing a profit community relationship includes the following steps. .

A step 501 of registering the stock dividend sale product (company) by the company for selling the stock dividend sale product on the product introduction (IR) means 704 site;

Step 502, wherein the registered user views stock dividend sales product introduction information, selects a product to purchase (including a contract for sale based on the terms and conditions), and deposits a money into an account designated (managed) by the site;

Step 503, determining whether the deposit account is an account of the purchase price management means;

If the deposit account is not an account of the purchase price management means, if the product sales company delivers the ordered goods to the buyer step 504 proceeds to step 511;

A step 505 in which the purchase price management means notifies the merchandise sales company of the payment details such as the commodity price and the depositor, and pays the down payment in the form of a debenture from a commodity fund established according to the contract;

Step 506 of delivering the ordered goods in the goods selling company;

(Price discount according to contract for goods which are late in delivery with a lot of orders)

Step 507, wherein each product orderer notifies the purchase price management means of the delivery result;

Step 508, wherein the purchase price management means determines whether the product orderer may take the goods ordered and pay the purchase price to the product selling company;

In step 509, if the product orderer does not take the ordered product, the product price is fully refunded to the product orderer;

Step 510, in the purchase price management means, the balance is paid for the goods which have been delivered to the goods selling company; And

Step 511, wherein the merchandise selling company pays cash dividends and / or stocks to the customer for profits contributed by the customer through the purchase of goods.

The means for establishing a profit community relationship through the direct transaction are related to the investment system illustrated in FIGS. 14, 15, and 21.

The contract of step 502 is a direct merchandise sales contract that is concluded between the merchandise seller and the merchandise buyer without a third party through the terms and conditions, which are set by the individual merchandise seller or the merchandise introduction means 704. Can be.

In step 503, the purchase price of the product (investment) is directly deposited to the product selling company as shown in FIGS. 14 and 21, and FIGS. 15, 16, 18, 19, and 20 are third parties for escrow services. When depositing to the purchase price management institution 730 or the investment broker 700, it is determined according to the embodiment of the present invention.

The product introduction (IR) means 704 of the step 501 includes a co-purchase site installed and operated by a homepage, a shopping mall or an individual company, and posts introduction information of a stock dividend sale product of the present invention to a buyer and provides a purchase order. Receive function.

The stock dividend selling product introduction information is preferably composed of stock dividend agreement information on product introduction information + purchase amount (investment amount) as shown in FIG.

FIG. 6 is a flow chart illustrating an operation procedure of a means of establishing a profit community relationship through indirect transactions among the operations of the present invention investment system illustrated in FIG. 3, and the process of establishing an indirect community relationship includes the following steps.

Step 601, in which the investment brokering company enters into a contract for allocating a certain amount of the company's stock on the basis of a product sale (manufacturing) company and a mass purchase (sale) of the product;

A step 602 of the stock dividend product selling (manufacturing) company registering the selling product introduction information as illustrated in FIG. 23 on the investment mediation site of the investment brokering company;

Each registered user browses the stock dividend sales product introduction information on the investment brokerage site where the third party is a third party, orders the products to be purchased (including the conclusion of the sales contract according to the terms and conditions), and deposits the money into an account designated (managed) on the site. Step 603;

A step 604, in which the investment brokerage firm confirms the commodity payer from the purchase price management means, notifies the commodity selling company of the joint purchase details, and pays the down payment in the form of debentures from the commodity purchasing fund established according to the contract;

Step 605 of delivering the ordered goods in the goods selling company;

(Price discount according to contract for goods which are late in delivery with a lot of orders)

Step 606, wherein each product orderer (specific product purchase fund investor) notifies the purchase price management means of the delivery result;

Step 607, wherein the purchase fund management means determines whether the product orderer may purchase the ordered product and pay the purchase price to the product selling company;

In step 608, if the product orderer does not take the ordered product, a full refund of the product price to the product orderer;

Step 609, in the purchase price management means, the balance is paid to the goods sold company to the goods which have been delivered; And

Step 610, in which the merchandise selling company pays cash dividends and / or shares to the customer for profits contributed by the customer through the purchase of goods.

The means for establishing a profit community relationship through the indirect transaction are related to the investment system illustrated in FIGS. 16, 18, 19, and 20.

If the buyer orders the goods in step 603, the order information may be sent directly to the goods selling company.

The contract of step 603 is the conclusion of the contract for the sale of goods by the brokerage of the investment brokerage company 700 in which the seller of goods and the buyer of the goods are third parties through the agreement, and it is preferable that the agreement is a standard agreement set by the investment brokerage means.

Even if the down payment in step 604 is not paid, the merchandise selling company may procure the manufacturing / or purchasing cost of the merchandise from the trading bank by the purchase price management means or the order form of the corresponding merchandise purchasing fund. This is also the same in the other drawings below.

7 is a flow chart of the operation of the common interest pursuit means of the operation of the present invention investment system illustrated in FIG. 3, and the process of pursuing the common interest comprises the following steps.

Step 701, in which the customer (shareholder) contributes to the profit-promoting activity of the fund-invested company, such as purchasing a product and / or clicking an advertisement, in the invested (owned company);

The investing company converts the point scores for each customer according to its own criteria for the company's profit contribution activities and accumulates them in uncalculated points, and provides the company profit contribution history, point information and / or company management performance information to the customers. Providing 702 as an example of step 27;

Step 703 of calculating the amount and / or number of shares to be allocated in units of points as shown in FIG.

Step 704 of calculating the cash dividend and / or the paid or paid stock dividend based on the cumulative unsettled point score for each customer (investor) as shown in the examples of FIGS. 26 and 28;

Step 706, if the cash and / or shares are to be allocated directly to the customer, the cash and / or paid / free shares calculated to each customer are directly allocated as shown in FIG.

Step 707, in which the investing company transmits a cumulative unsettled point score, a cash dividend, and / or gratuitous and free stock dividends per customer (investor) to a third party investment brokerage company;

Step 708 of transmitting the cash dividends and / or the paid / free stock dividends from the investment brokering company (the company Z) which is an embodiment of the present invention to each customer 600 and / or the investment deposit management means 800 for each customer; And

Step 709, the customer investment deposit management means 800 receives cash from the investment brokerage company (Z company), and prints the cash and stock dividend details on the customer deposit deposit account according to the example of FIGS.

FIG. 8 is a diagram illustrating conversion criteria and methods when calculating a company's profit contribution point. Specifically, the product is controlled by the actions of the profit community relation means and the joint profit seeking means of the investment system of the present invention described in FIGS. Cash dividends and / or stock dividends based on the gross annual revenue after tax (I) of the specific merchandise sales entity 100 illustrated in FIG. To provide an embodiment for calculating.

The share of the annual after-tax sales revenue (A) illustrated in the main figure is divided by 50% by the existing shareholder (C) and the unresolved point holder (D), respectively. The firm 100 and the investment broker 700 of the present invention are as defined in the contract.

US settlement point total (F) is the total number of US settlement points owned by each customer of the company, such as 100,000 points (2501) of FIG. 25. Points) The total amount is converted into numerical values and accumulated with the unsettled points up to that point.

FIG. 9 is a diagram illustrating a free stock dividend method for a purchaser of a stock dividend sale product of the present invention. Specifically, the product is controlled by the action of establishing profit community relations of FIG. 5 and the common profit seeking means of FIG. An example of a method of freely distributing stocks to a stock dividend-selling merchandise buyer (customer) of the present invention based on profits and / or company values generated by the fiscal year-end closing unit of the merchandise selling company 100 that was sold and assisted by the customer. It is to.

In this figure, the 2007 financial statements exemplify the earnings and stock dividends before the implementation of the present invention, and the 2008 and 2009 illustrate the earnings and stock dividends after the implementation of the present invention.

(Assuming of this figure)

1) The Price Earnings Ratio (PER) is based on 10% borrowing interest rate of financial institutions.

2) After evaluating the company's value before implementation of the present invention, the client's share of the increase in company value due to the implementation of the present invention is determined in advance by contract. Therefore, an investment company may not arbitrarily issue new shares in any form after the investment contract of the stock dividend sale product purchase fund of the present invention.

3) New shares exemplify allocations to start-up teams and customers who have unsettled points. Therefore, all customers who purchase products after 2008 will receive a free dividend of 10 times the par value (PER 10 basis) based on face value (KRW 500) based on the points acquired and each year's settlement profit. 5.5 shares per share (KRW 275,000 per share) free of charge)

4) The distribution ratio between the founding team and the customer group (commodity buyers) of the free stock dividend in the first year of the present invention (2008) is determined by the contract between the investing company and the investment intermediary. Afterwards, in order not to affect the management right due to the increase of the client's share every year, the ratio of voting rights between the start-up team and the customer group is fixed at the 2008 closing rate (50.45% for the start-up team and 49.55% for the customer group). The exercise of voting rights in the shares can be exercised by the representative of the company or customer group of the present invention. Therefore, stocks that are distributed to customers after 2009 may be allocated shares that have only voting rights, depending on the shares, without voting rights.

5) For the purpose of improving the value of existing stocks (including customer stocks that are initially allocated after the settlement of 2008), there may be no paid dividends after a certain point of time (e.g. 2010), but only paid dividends or cash dividends based on the criteria shown in FIG. has exist.

FIG. 10 is a flowchart of a customer investment management and escrow service, and specifically, of a customer investment for purchasing a stock dividend sale product of the present invention during the operation of the present invention illustrated in FIGS. 3, 5, and 6. A flow chart to illustrate how to manage customer investments, including depositing, selecting purchases (investment sources), and return on investment (cash or stock dividends) and escrow services to protect the purchases of deposited goods, ie buyers (customers). It consists of steps.

Among these, the customer investment management is related to FIGS. 30 to 32, and the escrow service method is the purchase price managing means 730 or the investment broker 700 of FIGS. 15, 16, 18, 19, and / or 20. It is related to the function of.

Step 1001, wherein the investment intermediation means (company Z) designates one or more institutions 730 for managing the stock dividend sale product purchase price (fun) and one or more financial institutions 800 for managing the investment deposit of each customer;

The purchase price management institution 730 is a fund management institution, which includes a fund management company in the form of a financial institution or a company.

In the prior art, the customer investment deposit management institution 800 mainly corresponds to an investment financial company or a securities company, and functions to deposit a customer investment deposit, issue and manage an investment deposit account, and manage investment history and return on investment for each customer.

A step 1002 in which the product purchaser / customer 600 joins the investment mediation means (company Z) site of the present invention;

Step 1003, in which the customer 600 opens an investment fund account in the customer investment deposit management financial institution 800 designated by the investment brokerage means and deposits the investment deposit in cash or a gift certificate of the present invention;

Step 1004, in which the customer investment deposit management financial institution 800 issues an investment deposit account (Fig. 30 example) to the customer 600;

Customer Investment Deposit Management The financial institution 800 sells the price of the stock dividend sales product linked with the purchase of a specific product (B-1 in FIG. 18) from the customer's investment deposit (customer account) according to the notification of the investment brokerage means or the customer's request. Step 1005 for withdrawing the amount and depositing it into the corresponding commodity purchase fund account and writing in the general management section (FIG. 30) and the detail section (FIG. 31) of the bankbook;

Step 1006, in which the purchase price (fund) managing means 730 notifies the investment mediation means (company Z) of the specific (B-1) commodity purchase fund composition amount and the payer list;

Step 1007, in which the investment intermediation means (company Z) notifies the sales company (company B) of the goods ordered by the customer (B-1) the details of the joint purchase order of the product and orders for delivery;

Step 1008, in which the purchase price management means 730 pays the delivery price on behalf of the customer according to the notification of the investment mediation means or the delivery result notification of the customer;

Step 1009, in which the purchase price management means 730 notifies the investment intermediary means Z of the product fund management result;

In step 1010, the investment brokering means (Z company) transmits cash dividends and / or paid or free stock dividends of the product selling company to each customer investment deposit management financial institution 800; And

Each customer investment deposit management financial institution 800 receives the cash allocated by the commodity selling company (B) directly from the company or through the investment brokering company 700, and the cash and / or free / stock shares. Step 1011 in which dividend details are recorded in the customer's investment deposit account as shown in FIGS. 30 to 32.

The escrow service may be directly performed by the investment brokerage company 700, but may be entrusted to a designated financial institution only for managing customer deposits and funds.

The stock dividend sales product purchase fund is formed in the form of an objective-type reserve fund, and investment (commodity purchase) is invested in an escrow method to protect the investment amount (commodity order price) of the customer.

Application for purchasing a specific product through the customer investment deposit management financial institution 800 in step 1005 is preferably based on the product purchase fund code 2303 and the customer's identification code (resident code, etc.). In addition, if there is no balance corresponding to the purchase price of the product in the customer investment deposit account, it may be settled (automatic loan) within the scope set by the financial institution. Stock dividend sales can also be ordered through a call center instead of the Internet.

FIG. 11 is an exemplary diagram of a stock dividend method of a third-party company including an investment brokerage company for purchasing a stock dividend sale product. Specifically, a specific product selling company (100) purchased by the product purchaser through the investment broker 700 (100). For the purpose of illustrating and explaining the method of distributing stocks sold by the stock dividend to stocks of a third party company, such as an investment broker, 700, rather than the stocks of the product selling company 100, the products of listed companies or foreign countries. It is mainly applied when purchasing a company's product or a company's product whose long-term survival is opaque, and consists of the following steps. In particular, in the case of paid dividends, the buyer of the paid dividends may be acquired by the investment broker 700.

Step 1101, in which the investment brokering company 700 and the product selling company 100 enter into a stock distribution-selling product mass trading brokerage agreement;

In step 1102, the merchandise sales company 100 registers the stock dividend sale product introduction information with the IR means 704 of the investment brokering company 700;

A step 1103 in which the product purchaser / customer 600 orders the stock dividend sale product of the product selling company 100 and prepays the price;

Step 1104 of co-purchasing a corresponding product from the investment brokering company 700 to the product selling company 100;

In step 1105, the product selling company 100 delivers the ordered product to the product buyer / customer 100;

Step 1106 in which the investment brokering company 700 pays the goods paid to the product selling company 100;

Step 1107 of allocating the shares of the shares promised in the contract to the investment brokering company 700 in the product selling company;

Step 1108, in which the commodity purchaser / customer continues to trade with the commodity selling company and contributes to the company's profit;

Step 1109 for providing point information and / or management performance information to the product purchaser / customer in the product selling company;

A step 1110 of providing goods to the investment brokerage company and the company's management performance information from the merchandise selling company and allotment of cash dividends and / or shares for customer contributions; And

Investment brokers will pay cash dividends and / or shares of equivalent value for free or gratuitize the shares of third parties in the interests of the investment brokers according to the customer-specific point information notified by each company to each client. Step 1111 to allocate (see example in FIG. 32).

In another embodiment of the present invention, D, E or F company's goods are purchased through a third party commodity sales company (ZZ company), rather than the investment broker 700 (stock company) and the stock is replaced by ZZ shares There is a method of receiving dividends, and after the specific stock dividend selling company (ZZ) concludes a contract to receive the shares of the company under the condition of purchasing a large amount of goods with D, E or F of FIG. After receiving a large order for the goods of the companies from the commodity buyer group (investment union) through the intermediary means 700, the D, E, or F company to deliver the order goods to the buyer group and the investment intermediary When the product price is received from the means 700, the company pays the company D, the company E or the company F, divides the shares of the company, and allocates the shares of the company ZZ, the company selling the product, to the buyer group.

Another embodiment of this figure is to use in M & A, the investment broker 700 does not divide the shares of Company D, E, and F to Z or ZZ stock instead, D, E and / or F The buyer of the commodity may be subject to higher prices if it is sold to another third party company (ZZ-1) that wishes to M & A or exchanged with shares of the third party company (ZZ-1). If you receive dividends from companies E, F, Z, or ZZ, you can benefit even more.

The implementer of the present invention joins as a member to both the actual product supply company (D company, E company, or F company) and the intermediate sales company (ZZ company or ZZ-1 company which is a M & A company) through the above two cases. This will increase the market value of the company by giving them a lot of loyal customers as well as the opportunity to sell their products in large quantities, thus allowing them to receive stocks on better terms. Profit increases both for the inventors of the invention and the buyers of goods (the customers of the invention).

12 is a diagram illustrating a funding plan for each stage of growth of a new start-up company in the present invention. Specifically, a newly-started venture company raises funds from the outside according to the essential points of the present invention illustrated in FIGS. 3 to 11. This is to illustrate and explain how to contrast with the growth stage funding plan by the prior art illustrated in FIG.

(Assuming of this figure)

1) Subject to the conclusion of a contract for free allocation of shares equal to one-half of the company's value to customers, subject to prepayment of usage fees.

2) Accumulation of capital after the initial stage changes according to paid or free dividends

(Features and advantages of financing according to the present invention)

1) Since the purchase order of 70 billion won is secured by prepaid income of KRW 100,000 paid by the customer for one year, external financing through VC (Venture Capital) is unnecessary.

2) In addition to financing, it is possible to complete the minimum number of target customers and customer loyalty to secure market dominance in the initial stage of the project (within 3 months after entering the market).

3) Compared with the prior art, the cost of financing is lower because the cost of financing (such as the amount of shares transferred in several IR processes, etc.) is lower, sales and marketing costs are lower, and inventory is not generated by order production. You can achieve a lot of sales and profits with a much lower cost, so you can freely allocate a lot of cash and stocks to your customers.

FIG. 13 is a comparison chart of the possibility of financing and success of new start-up companies by technology environment. Specifically, a venture company (B), an online game company newly started while there is a competitor (company A) that already dominates the market. G) This is to compare the possibility of financing and the success of the start-up when starting in the present invention environment of FIG. 12 and the prior art environment of FIG.

(Home assumption)

1) Company B data is the planned target.

2) Company B's game quality is A company, but since it is a latecomer, the price is lowered by 20,000 won a year.

(Possibility of financing and success of start-up)

 1) In the comparison of external funding amount just before the IPO, in the prior art environment, we provide 10.3 billion won (including business surplus, see Fig. 2) at 2 years and 6 months of entry into the market, but in the present invention environment at 3 months of entry into the market (testing completed) The company can receive 70 billion purchase orders on the condition that the 50% share of the total shares (the interest rate can be changed) is transferred to the customer under the contract free of charge. Therefore, as in the prior art, it is not necessary to attract investment on the condition of delivering a large number of shares from professional investors such as venture capital.

2) In the present invention, the reason why B's return on sales was higher than A's even though it was a start-up company was to allocate stock to customers free of charge as compensation for the company's profits and the increase in company's value. Free distribution of profits (or stocks) based on profit contributions (such as ad clicks) results in higher customer loyalty in the sense that customers are their own company, resulting in higher sales, even with less marketing costs. This is because a large number of customers are acquired from the beginning.

3) As a result of the anticipated competition, in the prior art environment, Company B is unlikely to raise funds due to market leader A, and even if it is funded as planned and advances to IPO, there is little possibility of long-term survival. On the other hand, in the environment of the present invention, the economies of scale, network effects, and harvesting effects are generated from the time of entry into the market, resulting in high sales and ratio efficiency. height. On the other hand, in the case of the company A is very likely to lose market power over the company B over time in the environment of the present invention.

4) Since company A is a paid site, it is not allowed to show ads or is restricted, so there is no income other than paid user fee. However, company B is a company of customers with a stake in paid sites, and the company's profit may increase depending on customer's participation. As a result, customers will actively engage in non-monetary investments and cooperation, including ad clicks.

(Example of system configuration of the present invention)

14 to 21 are block diagrams illustrating the building blocks and inter-block building blocks for each embodiment of the present invention investment system.

FIG. 14 is a diagram illustrating and explaining information flows between building blocks and building blocks of an investment system for implementing the present invention in a direct transaction method between a commodity selling company and a commodity buyer according to FIG. 5.

(1) When a commodity selling company provides the commodity buyer with information on the sale of the dividends, including the terms and conditions of the selling company, the commodity selling company and the commodity buyer may choose to purchase the introduced commodity including the agreement of the proposed terms. The ability to enter into a sales contract for sale of stock dividends;

(2) The buyer of the goods shall prepay for the goods sold by the stock dividend contract concluded for the purpose of executing the contract; And

(3) The function of distributing the contracted stock to the commodity purchaser (conducting the second contract of the selling enterprise) after the commodity selling company delivers the contracted commodity to the commodity buyer (completing the first contract of the selling company); Means for establishing a profit community relationship; And

④ the ability to accumulate points by the commodity buyers continue to deal with the commodity selling company commodities, and the company's profit contribution activities; And

(5) the function of the performance of the profit sharing obligation, in which the commodity seller provides information on the point of purchase of the commodity and the performance of the company's management and distributes the company's profits to the commodity buyer in cash and / or stock in accordance with its own shares and / or points; Joint benefit pursuit means, including; .

15 is an investment system for implementing the gist of the present invention in a way to provide escrow services for the protection of buyers through a third-party purchase price management means 730 in the direct transaction between the product selling company and the product buyer of FIG. As to illustrate and explain the configuration block and the information flow between the configuration block, the present system,

①-③ When a commodity selling company provides the commodity buyer with information on the sale of the stock dividend including the terms and conditions of the selling company, the commodity selling company and the commodity buyer choose to purchase the introduced commodity including the agreement of the proposed terms. The ability to enter into an online stock sale contract;

The main figure separately shows a product introduction (IR) means for the stock dividend sales product introduction, which can be managed and managed by the merchandise sales company or the purchase price management means.

 ④-⑤ When the buyer of the product pays the pre-payment (deposit) to the third party purchase price management means, the purchase price management means provides the details of the deposit, ie joint purchase information, to the product selling company;

The deposited purchase price is preferably funded and managed and / or managed in a joint purchase manner.

(6) the function of the product selling company to deliver the contracted goods to the product buyer (the first contract execution of the selling company);

⑦-⑧ The function of the purchaser's execution of the contract by the purchase price management means notifying the delivery result from the buyer of the goods and paying the goods on the buyer's behalf; And

(9) the function by which the product selling company distributes the committed shares to the product buyer (completing the second contract of the selling company); Means for establishing a profit community relationship; And

(B) the ability to earn points by the commodity buyer's continued trading in the commodity selling company's commodity and the company's profit contribution activities;

(B) the function of the benefit sharing obligation of the commodity selling entity to provide the commodity buyer's point information and / or the company's business performance information and to distribute the company's profits to the commodity buyer in cash and / or stock in accordance with its own shares and / or points; Joint profit pursuit, including; .

The difference between FIG. 14 and FIG. 15 with respect to FIG. 5 is that after step 503, steps 505 to 511 of FIG. 5 are executed in FIG. 15 and only steps 504 and 511 are executed instead of FIG.

FIG. 16 illustrates a purchase price management means 730 and a product introduction (IR) of FIG. 15 through a third-party investment mediation means 700 between the product selling company and the product buyer of FIG. In addition to the function of the means 704, the present invention implements the present invention in such a way that a part of the business of the product selling company may be performed on behalf of the product purchaser, in addition to the business for the benefit of the buyer. As to illustrate and explain the building blocks of the investment system and information flow between building blocks for the present invention,

(1) A seller and / or a buyer acting as a broker or a brokerage agent who distributes a certain amount of shares of the company to a commodity purchaser (customer) on the condition that the commodity selling company and the investment brokerage means purchase the commodity in bulk. And accordingly, the product selling company registers the stock dividend selling product introduction information on the site of the investment mediation means.

②-④ Grant the fund (identification) code to the sales product introduction information registered by the investment brokerage means, and at the request of the product buyer, the stock dividend sales information and the operating conditions of the product purchase fund as shown in FIG. If provided, the product purchaser selects the purchase of the introduced product that includes the agreed terms and conditions, and prepays (deposits) the price of the ordered product to the account designated (managed) by the investment broker. Providing deposit details, ie, joint purchase order information, to a company;

(5) the function of the merchandise seller to deliver the ordered merchandise to the merchandise buyer (the contractor's primary contract execution);

⑥-⑦ The function of the buyer's fulfillment of the contract by paying the goods on behalf of the buyer for the delivered goods when the investment intermediation means is notified of the delivery result from the buyer of the goods (if the product is not delivered or returned, the buyer Prepaid merchandise refunds); And

(8) the function by which the seller of the goods divides the committed shares to the buyer of the goods (performs the secondary contract of the seller); Means for establishing a profit community relationship; And

⑨ the ability to accumulate points by the commodity buyers continue to deal with the commodity selling company goods and contribute to company profits; And

(B) the ability to fulfill the benefit sharing obligation by the commodity selling entity to provide the commodity buyer's point information and / or the company's business performance information and to distribute the company's profits to the commodity buyer in cash and / or stock in accordance with the ownership shares and / or points; Joint benefit pursuit means, including; .

17 is a comparison table of advantages and disadvantages according to each embodiment of the present invention, and the direct transaction method illustrated in FIGS. 14, 15, and 16, the direct transaction method including escrow service, and indirect transaction through a third-party investment brokerage company, respectively. To compare the advantages and disadvantages of the present invention investment system of the scheme.

18 is for illustrating the application of the present invention investment system embodiment of FIG.

Specifically, in the method of allocating stock to the stock divider sale product buyer of the present invention,

Ventures A, B, and C are for direct distribution of the company's proceeds to the commodity buyer (customer) in the form of cash and / or stock,

Listed companies D, E, and F are allotted to the company Z in the form of cash and / or stocks in the form of cash and / or stocks, and to buyers of goods (customer) in the form of cash and / or stocks from Z's proceeds. Figure 11 illustrates a method of allocating instead of a furnace and is related to FIG.

In addition, the gift certificate issuer / distributor 920 is intended to illustrate that the stock dividend sale of the present invention may be purchased in the form of a known gift certificate instead of cash.

19 is for illustrating another application of the present invention investment system embodiment of FIG.

Specifically, the case of separating the purchase price management function 730 among the functions of the investment mediation means 700 of FIG. 16 and the customer investment deposit management means 800 for managing the customer investment deposit in relation to the operation of FIG. 10. It is for illustrating the configuration of the system of the present invention.

Accounting automation ASP means investment mediation of automation of accounting business processing of each commodity selling company to provide accounting information including the business performance information of each commodity selling company that sold stock dividend selling products to commodity buyer (customer) It is intended to illustrate the method of supporting the ASP method in the means.

Company Z commissioned accounting firm 750 is for illustrating the configuration of the present invention system in the case of entrusting the accounting audit function of the investment company to the outside of the functions of the investment mediation means 700, the management performance of each company for the audit And accounting information may be collected indirectly through an accounting automation ASP means and / or directly through each product selling company. Additional details of the accounting automation ASP means and accounting firm are described in FIG. 33.

20 is for illustrating another application of the present invention investment system embodiment of FIG.

Specifically, through the present invention investment system of FIG. 16, a commodity selling company may trade stocks allocated to commodity buyers in the private stock market 300 before the IPO 400 is listed, and in the open market after the IPO. It is intended to illustrate how to implement the system to synchronize the stock ownership information between each stock market (300, 400), commodity selling company 110 and investment broker 700.

The outsourcing market 900 is intended to enable a new company founder to conveniently provide outsourcing company information 910 necessary for the start-up through the investment intermediation means 700 to conclude an outsourcing contract.

21 is for illustrating another application of the present invention investment system embodiment of FIG.

Specifically, as a system configuration in which the investment intermediation means 700 is excluded from the investment system of the present invention illustrated in FIG. 20, the IPO (stock sold by the product selling company to the product purchaser through the direct transaction method of FIG. 14) 400) Before the public listing, trading in the private stock market (300), and after the IPO to implement the system to synchronize the stock ownership information between each stock market (300,400) and the commodity selling company (110) to sell in the open market. To illustrate the method. Therefore, the outsourcing market 900 is also directly connected to the new company founder.

22 to 29 are screen examples for each component block (means) of the investment mediation means 700 of the investment system of the present invention.

FIG. 22 is an exemplary diagram of an investment product main menu screen of the investment mediation means 700 site of the present invention, and the diagram illustrates three of an advertisement area 2201, a function menu area 2207, a list of investment target products, and a search area 2209. It is divided into two areas.

The function menu area 2207 is an example of a user interface configuration of the functions provided by the system of the present invention. Specifically,

When the user clicks the menu of reference numeral 2202, a description of the features of the stock dividend sale product of the present invention and a description of the purchase method are provided.

When the user clicks the menu 2203, the description of the method for purchasing a gift certificate of the present invention issued by the gift voucher issuer 920 of FIG. 18, in which the stock dividend sale product of the present invention can be purchased, and the function of connecting online to the gift certificate purchase means Is provided,

When the user clicks the menu 2204, a description of the customer protection system associated with the purchase of the stock dividend sale product of the present invention is provided.

When the user clicks the menu 2205, a list screen of companies invested through the present invention by the currently logged in customer as shown in FIG. 24 is provided.

When the user clicks the menu 2206, the system may be implemented such that the balance and transaction information of the current account's customer's investment deposit account are provided in the same manner as in FIGS. 30 to 32.

Each menu icon in the investment target product list area 2209 can be configured as more or less depending on the business judgment of the inventor of the present invention as the investment product category. The investment target product to which the present invention can be applied may include not only all manufactured products but also service products as shown in the category illustrated in the target product list area 2209. It also includes being sold as a bundle as well as a single product.

Reference numeral 2210 illustrates that the investment product information can be searched using a search engine on a per-category basis.

FIG. 23 is a diagram illustrating an example screen for introducing a stock dividend sale product on the IR product 704 site of the investment mediation means 700. Specifically, the user is online training of the investment product menu screen shown in FIG. The configuration of the investment product introduction screen that can be provided through the category 2208 is illustrated.

As shown, the stock dividend sales product introduction information of the present invention includes a product category 2301 to which it belongs, manufacturing and sales company information 2302, a fund (identification) code 2303, a product name and a product feature 2304, Information on prices, minimum number of co-purchases (i.e., investment partners) (2305), point offering criteria, stock and / or cash dividend criteria and ratios, investment protection measures, terms of sale (2306) and means / buttons for investment ( 2307). Attorney's notary may also be included for important details of the contract, such as product introductions and dividend agreements.

In order to secure the minimum number of co-purchases (ie, the lack of a co-purchase fund), payments from commodity buyers may be made after the commodity purchase fund (ie, commodity investment association) is formed. However, when ordering, enter the payment method and payment information (including card payment information). Therefore, the decision to form a commodity (co-) purchasing fund is based on the application for a certain period of time.

The fund identification code (or fund code) is an investment product identification code, which is used to link between building blocks related to the merchandise sales as shown in FIG.

The UCC for IR is preferably produced in the same manner as a product introduction video of TV home shopping and provided according to a user's selection (mouse click).

Although not shown, a product introduction screen as shown in FIG. 23, or an IR page, provides a question / answer questionnaire or a bulletin board or a UCC of investment experts, such as an investment bank, on the business performance of the investment product, so that a general product buyer (customer) can refer to it when investing. It is desirable to.

In the practice of the present invention, the selection of the stock dividend sale product of the present invention to be introduced in the investment product introduction (IR) means 704 is performed without a detailed specification of the manufacturer of the product (e.g., TV), etc., first of all in view of the demand survey. Product information (eg Samsung Electronics) presented by the company that made the most favorable proposal after receiving a potential purchase request with product information (eg LCD TV 30 inches 500,000 won) LCD TV 30-inch 550,000 won), including the form of making a formal contract with a commodity sales company (eg Samsung Electronics) after making a payment from the product buyers.

FIG. 24 is an exemplary view showing a list of investment companies by customers of the investment intermediation means site, and is called by a function menu such as “information of companies invested 2205” of FIG. 22 and preferably linked with FIGS. 25 to 28. Do.

Investors of the present invention are the details of the portfolio of investment firms for each customer, and examples of the industrial fields and investmentable enterprises in the present invention.

All of the above investment companies are listed companies or companies that pay the stock or free dividends to the customer even if the customer purchases only the goods of each company without directly purchasing the stock in the open or closed market as in the prior art.

Until the IPO, the company does not issue actual shares and does not increase its rights, and only provides points linked to the stock acquisition rights, but it may also provide a market for selling these points. The advantage of this is that aggressive management is possible. That is, until the IPO, management information can be disclosed to customers but managed only by the founding team.

Shares allocated to customers are fixed by the investment agreement between the investment brokerage company (Z) and the investing company which has no voting rights or escrow services, and the exercise of customer voting rights is carried out on behalf of the customer. Z company can be exercised.

It is desirable to use a list of investment companies such as this one as a list of regular customers by customer. Therefore, when repurchasing, click the URL of the company to be traded in the list, it is desirable to be able to access the company site with one click.

In addition, when a user clicks the “Point Acquisition” icon (button) or the “Cash & Equity Dividend” icon of a specific company information list (e.g., serial number 2, company www.aa02.com), FIG. 25 and FIG. As such, it is desirable to provide detailed information about the transaction of the currently logged-in customer (Hong Gil-dong) with the company, earnings contribution and / or cash and stock dividends.

In the dividend method, direct dividends directly divide cash dividends and stock dividends and transfers for each customer in the product sales / manufacturing company 100, and indirect dividends are foreign products such as D-1, E-1, and F-1 in FIG. In the case of one-time purchase products, cash dividends and stock dividends are paid by the third party company, such as investment brokerage firm 700, etc. The company 700 may be replaced with shares of the investment company 100 or shares of a third party company such as an investment broker 700.

25 to 28 are diagrams illustrating an example of a screen for securing points for each investment company and a cash and stock free dividend details screen for each customer in relation to FIG. 24, in which a product selling company (B education company) directly or invests in a broker. It is preferable to provide it through (Z company).

25 and 27 are exemplary diagrams of the points secured by each investing company linked to the "point secured details" icon of FIG. 24, each of the activities and activities for increasing the profits of the company (B company) It provides a point providing details and point settlement details for this. In this figure, the field of providing points is classified into three categories, namely, product purchase, homepage visit, advertisement click, and business cooperation.

The point conversion ratio for the product purchase or the member recommendation is preferably set differently according to the characteristics of the product. As a specific example, general manufactured goods (such as agricultural products and electronics), whose costs increase with the increase of customers, lower the percentage of points, and service goods (communication, Internet services, public service) that increase or decrease even if the cost increases to a certain number. Transportation, etc.) can set a high point ratio.

The point of the present invention, in addition to being able to receive stock dividends, induces many visits of customers who hold stocks on the merchandise selling company site in terms of business. In other words, as a customer, points are not limited to cash equivalents as in the prior art, but are converted into shares of the company, and the customer is motivated to actively earn points because there are various company profit contributors in addition to financial transactions with the company. As a result, the company's profits will increase so much that it will not only receive more dividends, but will also have higher market value.

26 and 28 are linked to the “cash & stock dividend history” icon of FIG. 24 and are related to the points secured in FIG. 25 and FIG. 27, respectively, and the company results are settled based on the points secured by the invested companies by customer. It is an example of the screen configuration to provide a breakdown of the investment company's profit to the buyer (customer) in the form of cash and / or stock every cycle. The settlement date of the main island is preferably set by each company's business or accounting settlement cycle.

Among information of main road,

1) The number of shares owned before settlement (A) is the number of shares paid or paid and the shares owned and sold in the open / private market before the settlement.

2) Cash dividends and free dividends shall be allocated based on the company's earnings contribution (ie, point amount) based on the company's earnings contribution (ie, point amount). Will. Therefore, it is a feature of the present invention to allocate cash and / or paid / free shares to the value added of the company not only to the stock owner (investor) but also to customers who have actively contributed to the company's profit increase during the dividend period. In addition, in consideration of the expansion of management participation of customers, which is the basic philosophy of the present invention, it is desirable to limit the share price dividend to customers or owners of Savior.

3) The free dividend stock (2801), which is distributed at the time of settlement of the first point to the customer by the investing company (L agricultural product distribution company), which is a stock fund sales product purchase fund, is invested (payment) in the form of a start-up fund. It is desirable to make the profit 2802 larger than the points generated later.

4) Points to be settled in addition to cash and / or stock gratuitous dividends shall be used as investments (gift certificates) for the purchase of goods of the company or the stock dividend sale goods purchase fund of the investment brokerage company (the company Z), which is an implementation company of the present invention, at the customer's choice. You may.

29 is an exemplary view showing a customer information DB data structure for each investment company.

1) Customer ID, password, customer name, member registration date, social security number, telephone number, email address is the information that is input when building the customer information DB in the prior art,

2) Shares paid / free dividends, cash dividends, unsettled product purchase points, unsettled advertising click points, unsettled business cooperation points, unsettled points are calculated in relation to FIGS. 8 and 9, 25 and 27 For cash and / or stock dividends based on the points earned separately

3) Referrer ID is the information for identifying the recommender for each customer based on the recommender ID.The referrer ID checks the point scores of the members (customers) who have been referred for recommendation by the recommender, and schedules the point scores of the customers who have been referred for each recommendation at the time of point settlement. A percentage (e.g. 10%) can be earned as a separate sponsored point. The sub-stage of the sponsored point payment is reduced to a certain level (e.g., Step 1-2), and the limit of the sponsored point payment period is limited to a certain period (e.g., 1 year-2 years) after the membership (or the present invention). desirable. This sponsor point system can be applied to a method widely used in well-known network marketing.

The investment deposit account number 2901 corresponds to the customer investment deposit account number shown at 811 in FIGS. 33, 35 and 36.

30 to 32 are diagrams illustrating examples of a customer investment deposit account book and a description form associated with the operation of the customer investment fund management method of FIG. 10 and the customer investment deposit management means 800 of FIG. 19.

Among these, FIG. 30 is an exemplary view of the customer investment deposit account book form, the details of the deposit of the customer's investment deposit, the stock dividend sale product purchase (ie, the stock dividend sale product purchase fund investment), the product purchase fund investment The purpose of this document is to record the details of the investments of each deposit of the deposit deposited by the customer and the profits through the deposit, such as cash income and dividend income from the sale of ownership shares. The item "Description page" of this figure is for linking with the investment details page for each investment company as shown in FIGS. 31 and 32. As shown in the details of FIGS. 31 and 32, the general part of the figure may be implemented in an online banking method and / or an offline banking method printed on paper.

Serial number 6-8 of the main figure, D-1, E-1, F-1 products are produced in the D company 116, E company 117, F company 118 of FIG. Illustrates that a product sold / purchased may also be purchased using the present invention, and the serial number 12 refers to the goods of these companies instead of the D, E and F shares for the purchase of the D, E and F companies. Dividend income for gratuitous allocation of shares of Z, an investment broker 700, which is a third party that brokered the purchase of (see Fig. 32).

Serial numbers 17 and 18 exemplify a refund method in the case of canceling a purchase of a purchased product due to a purchaser's intention or a defect of a selling company.

31 and 32 is an exemplary view showing the form of the customer investment deposit account book, specifically, the present invention stock dividend sales product investment (investment) history and the cash and / or stock for the present invention by investment companies in relation to FIGS. 9 and 10 Not only free dividends, but also paid dividends and stock ownership updates due to stock trading can be recorded in the account book.

FIG. 32 is a diagram illustrating an example of distributing stocks of a third party company, such as an investment broker 700, for purchasing a stock dividend sale product of an individual company, as illustrated in FIGS. 11 and 18. -1, E-1, F-1 is a one-time purchase product, unlisted company products such as a start-up company or imported goods, etc. to use the present invention in products that may not be able to continuously and reliably do business with the product manufacturing / sales company To illustrate how this can be done, the investment brokerage company (Z), which is a third-party company, acquires the profits from purchasing the products of D, E, and F, and replaces the company ( The company shares the shares of Company Z with customers.

As in the examples of FIGS. 31 and 32, the details section includes:

1) The investment history and investment income of individual companies are recorded,

2) Free stock dividends or cash dividends are allocated based on the number of shares owned by each customer and the settlement of points, as shown in the example of FIG. 8 and FIG.

3) As shown in FIGS. 20 and 21, information on the sale of the owned shares to the public or private market is provided through the investment mediation means 700 site, and the sale price is directly transferred to the customer investment deposit management financial server 810. Im going.

As shown in FIG. 30, even though the buyer purchases only the goods through the present invention, the investor can divide the cash and / or the stock free of charge or pay a new stock dividend at a low price.

1) Excess profit from mass sale of prepaid reservation

2) Revenue gains for general customers not through the present invention

3) Easy expansion of business areas based on sufficient funding and loyal customer acquisition

4) In the case of the present invention fund investment (that is, the present invention investment product purchase) customers, if the investment (purchase of goods) company is the customer's company, and only interest (will), it is possible to click the advertisement without investing additional capital (cost). As it can greatly increase the profit of the investment company, it actively generates the profit of the investment company.In addition to the reduction of capital procurement cost, investment companies also have economies of scale due to mass sales and time cost due to order production and order sales. This is because manufacturing and / or sales costs can be significantly reduced compared to competitors using conventional technologies.

33 to 37 are views illustrating in detail the components and operations of the investment system of the present invention. Specifically, FIG. 33 is a block diagram of the investment system of the present invention based on the embodiment of the present invention investment system of FIG. As an example to illustrate in detail, each configuration means and database DB are system configuration blocks for implementing the functions of the respective operations of the present invention described above with respect to the respective flowcharts of the present invention and the system of each embodiment.

As shown in Figure 33 the investment system linked to the product purchases using the Internet of the present invention,

The Internet 1000, including a wired or wireless communication network; At least one commodity sales company computer 100 connected to the Internet, and at least one commodity buyer terminal 600 connected to the Internet as a basic configuration,

According to an embodiment, the investment mediation means 700 connected to the Internet, the one or more purchase fund management means 730 connected to the Internet, the one or more customer investment deposit management means 800 connected to the Internet, and the one or more accounting firm terminals connected to the Internet ( 750 may be configured to further include some or all of them.

Merchandise sales company computer 100,

As shown in the example of FIG. 16, when the stock divider selling product of the present invention is sold through the investment mediation means 700, a client function is mainly performed for the investment mediation means 700. Accordingly, the point providing means 101 is provided. One or more means of point settlement and cash / stock dividend means 102, accounting information providing means 103; And means 130 for storing one or more DBs of point DB 131, cash / stock dividend DB 132, accounting / management information DB 133; It is configured to include,

As shown in FIGS. 5, 14, 15, and 21, the selling company shown in FIG. 33 when selling the stock dividend selling product of the present invention directly to the product buyer 600 without going through the investment intermediation means 700. In addition to the configuration of the computer 100, the customer information registration means 701, the investment product registration means 703, the investment product introduction (IR) means 704, the customer information DB 721, which are the building blocks of the investment intermediation means 700. ), The investment product information DB 722, the product sales information DB 723 and the product trading mediation means 705 further includes a product trading means that performs the function of trading the investment product to perform the server function.

The configuration function of the sales enterprise computer 100 is, according to the use (client use or server use) and the building block included,

Selling goods, including a stock dividend agreement, for the sale of a stock dividend sale product sold on the condition that a portion of its profits and / or company value is paid in cash and / or stock to the buyer of the goods on the prepaid reservation of the goods by the buyer of the goods; Introducing the stock dividend sales product introduction information related to the terms and conditions to one or more product buyers directly or through a third-party intermediary;

A function of concluding a sales contract of the stock dividend sale product with at least one commodity purchaser directly or through a third-party intermediary means;

A function of delivering a product for which the sale contract is concluded;

A function of recording the product purchase history of the product buyer and / or the activities profitable to the enterprise and delivering the recorded details to the product buyer directly or through a third-party intermediary means;

Based on the recorded results, a portion of the corporate profits and / or corporate values is allocated to each of the buyers of the goods in cash and / or stock according to a predetermined standard and delivered to the buyer of the goods directly or through a third-party intermediary. function;

Providing management performance information of the company directly to each of the goods buyers or through an intermediary means of the third party; Includes all or part of the functionality.

The investment mediation means 700,

Customer information registration means (701), commodity mass trading contracting means (702), investment product registration means (703), investment product introduction (IR) means 704, commodity trading mediation means (705), providing point information for each company At least one of means 706, company-specific dividend information providing means 707, customer stock ownership information providing means 708, accounting automation ASP means 709, accounting and management information providing means 710; And customer information DB (721), investment product information DB (722), product sales information DB (723), company-specific point DB (724), company-specific dividend information DB (725), customer-owned stocks DB (726), Means 720 for storing one or more DBs of company-specific accounting information DBs 727; To include, according to the number of the building blocks included,

A commodity selling company that wants to sell in bulk to one or more commodity buyers a stock dividend sale that is sold on a prepaid reservation of commodity buyers with a portion of the company's profits and / or corporate value as stocks; The ability to enter into a mass sale brokerage contract for a particular product;

A function of registering information from the contracted merchandise selling company and information on selling the stocks of the dividends related to the terms and conditions of the merchandise sales including the stock dividend agreement;

Introducing the registered stock dividend selling product to one or more product buyers;

Receives order information on the registered stock dividend sale product from the product buyer, prepays the purchase price corresponding to the order from the product buyer, and delivers the product to the product selling company for the order in which the purchase price is deposited. Instructing, receiving delivery information on the ordered goods, and / or dividing the price of the delivery-indicated goods before or after the goods delivery, or before and after each payment to the goods selling company;

A function of receiving information on the profit contribution activity of the product selling company including the product purchaser of the product buyer and / or information on the points acquired through the product buying company computer from the product selling company computer and providing the product to the corresponding product buyer;

The commodity selling company that sells the stock dividend selling product receives cash and / or stock dividend information allocated to the point owner and / or the stock owner according to a predetermined criterion for part of the corporate profit and / or the enterprise value. The functionality you provide to buyers;

Receiving stock ownership information from the stock market and / or the commodity selling company, including information on the sale of the stocks of the commodity selling company acquired by the commodity buyer from the public stock market and / or the private stock market, to the corresponding commodity buyer. Providing functionality;

A function of supporting the accounting work of the product selling company by the computer in an online mode in an ASP (Application Service Provider) method without an installation program; And

Providing accounting information, management performance information, and / or accounting audit information for each commodity selling company registered by an accounting firm to be processed and stored in the ASP method; Perform all or part of the function.

The purchase price management means 730,

At least one of product order information receiving means 731, product order price receiving means 732, product delivery information receiving means 733, and product delivery price payment means 734; And means 735 for storing one or more kinds of goods-purchasing fund DB 736 for each product; And one or more financial servers 740 for storing deposit / deposit information of each fund linked to the product purchase fund DB 736 for each product and deposit / withdrawal information of the deposit account. Including;

In connection with the sales contract, the prepaid deposit and management of the stock dividend sales product purchase price is received from the product purchaser, and the product order, order price payment, and order product related to the product sales company and the product purchaser are executed. It performs a function of receiving and / or transmitting information such as delivery and payment of payments through the Internet.

The product buyer terminal 600,

Dividends from the selling company in response to profits and contributions of the selling company holding the stock and / or purchasing the stock dividend selling goods directly to each selling company computer 100 or through a third-party intermediary means. And transmitting and / or receiving information related to cash and / or stock through the Internet.

The customer investment deposit management means 800,

Manage client's investment deposit and return on investment for commodity investment,

One or more means of investment deposit / withdrawal means (801), product order price transfer means (802), dividend information receiving means (803), stock ownership information receiving means (804), transaction history accounting means (805); And a financial server 810 for storing deposit / withdrawal information of at least one customer-specific investment deposit account 811 and deposit account; Including,

In the form of commodity investment, a share dividend sale product sold on the condition that a portion of the profit and / or enterprise value of the commodity selling company is distributed to the commodity buyer with a certain amount of cash and / or stock depending on the purchase amount. Information on deposits and withdrawals of investment deposits for payment of goods purchased by customers who wish to purchase, information on cash and / or stock dividends distributed by the company selling goods in connection with the purchase of the stock dividend sale products, deposits and withdrawals of dividends A function of managing information, stock ownership change information, and / or payment and withdrawal and withdrawal information of the stock in the account 811 for each customer;

A customer who opens the investment deposit account 811 orders the stock dividend sale product directly to a user terminal 600 connected to the Internet or through a mediation means 700 of a third-party stock dividend sale product brokerage server connected to the Internet. If there is a deposit balance corresponding to the price of the product order in the customer's investment deposit account 811 after receiving the order history information and payment information, the corresponding amount is reduced and the company selling the computer 100 connected to the Internet or the third A function of transferring to the goods payment account 741 designated by the mediator 700 of the child;

According to the purchase amount of the stock dividend sale product and / or the performance of the product purchaser 100 who owns the stock, the profit and / or value of the enterprise may be converted into cash and / or stock. Receiving information allocated to the product purchaser 600 directly from the product sales company computer 100 or through the third-party intermediary means 700 and storing the information allocated to the product purchaser 600 in the deposit account 811 of the customer;

The stock account change information of each commodity selling company for each customer is received directly from the commodity selling company computer 100 or through a mediation means 700 of a third party, which is the stock dividend selling commodity sales brokering server, and the deposit account of the corresponding customer. Storing at 811;

At the request of the customer, deposit and withdrawal details of investment deposits, product purchase history, dividend deposit and withdrawal history, stock dividend history, stock ownership information change history, and / or purchase price of the investment deposit stored in the customer specific deposit account 811 A function of recording the deposit and withdrawal history information in an online bankbook and / or an offline bankbook and providing it to the corresponding customer 600; One or more functions; It is desirable to implement a financial server connected to the Internet.

The accounting firm terminal 750,

Accounting audit means 751; And auditing information DB 752; Including,

The accounting audit information is provided by the accounting information and / or management performance information of the commodity selling company directly from the selling company computer 100 or through an intermediary means of the third party. After storing the information 727, the information is provided to the product purchaser terminal 600 directly through the Internet or through an intermediary means of the third party.

The investment mediation means 700, the purchase price management means 730, the purchase price management means financial server 740, the commodity selling company computer 100, the customer investment deposit management means 800, the customer investment Deposit management means Financial server 810, the buyer terminal 600 and the accounting firm terminal 750 is a computer or a device having a computer function with a data storage means, the Internet 1000 is wired Internet and / or Includes wireless internet.

Each constituent means included in the purchase price management means 730, the product selling company computer 100, the customer investment deposit management means 800, the accounting corporation terminal 750, the buyer terminal 600, respectively As a data storage module (DB) associated with a computer program for executing the method of the present invention, it is preferable that the investment mediation means 700 can be provided and installed in a download manner.

Each component and DB of each computer or device is constructed and provided as an example for convenience of description of the present invention. In the practice of the present invention, each of the means and the DB may be provided to one or more computers according to the business decision of the operator. It can be installed and performed and each function can be integrated into larger blocks or subdivided into fewer blocks.

The product purchaser terminal 600 and the accounting firm terminal 750 are known as a general user computer or a user terminal device having the same function as the Internet access function and electronic commerce, or a product purchaser terminal and an accounting firm terminal. The distinction is in terms of the user's primary use of the computer, and in practice the same computer may also be used as a commodity purchaser terminal and / or accounting corporate terminal. That is, a user of the same computer may be a user of a merchandise sales company computer 100, a user of a merchandise buyer terminal 600, and / or a user of an accounting corporation terminal 750.

The customer information registration means 701 performs a management function of registering and updating user information using the present invention. The registered customer information is as shown in FIG. 29 and stored and managed in the customer information DB 721.

The merchandise sale brokerage contracting means 702 is a mass sale brokerage with a product sales company that wants to sell a large amount of goods on the condition of allocating a certain ratio (quantity) of the company shares to a plurality of product buyers using the present invention technology As a means of entering into a contract,

Reviewing the quality, price and shareholding ratio of the commodity prior to the conclusion of the contract; And

A process of preparing a sales contract by using an offline contract or an electronic contract using electronic signature technology; It may also be a demand survey from multiple buyers of a product before the contract is signed. In addition, the electronic contract may include a contract according to the terms.

The investment product registration means 703 is a means for the product selling company 100 to register the product introduction information for which the product sales brokerage contract is concluded, the registered information is stored and managed in the investment product information DB (722). The registered product introduction information preferably includes video content of a UCC (User Created Contents) method.

The investment product introduction (IR) means 704 provides the product introduction information stored in the investment product information DB 722 to the product buyer terminal using the screens shown in FIGS. 22 and 23. Implement as

The product sales mediation means 705 receives a purchase order of stock dividend sales products introduced through the investment product introduction (IR) means 704 from the product purchaser terminal 600, the purchase price management means 730 is Receives the prepaid goods, instructs the goods sales company computer 100 to pre-order goods to the goods buyers 600 prepaid the goods, and control the delivery of goods to the goods sales company 100 when the delivery is complete And, the information on the order, payment, delivery, payment of the goods stores and manages the product sales information DB (723). Therefore, among the functions of the purchase fund management means 730, the product order information receiving means 731, the product order price receiving means 732, the product delivery information receiving means 733, the product delivery payment means 734 Of course, the function of) can be performed directly in the product trading mediation means (705).

The point information providing means for each company 706 may provide information on points acquired by a product purchaser who purchased a stock dividend product through a company (company) profit contribution activity including a product transaction through the present invention. 100 and stores it in the company-specific point DB 724 and provides the corresponding product purchaser terminal 600 through the screens of FIGS. 25 and 27.

The company-specific dividend information providing means 707 divides a certain amount of company profits and / or company values by a product purchaser based on the points and shares owned by the product selling company 100 who sells the stock dividend product through the present invention. After receiving the cash and / or stock information in the company-specific dividend information DB (725) and performs the function to provide to the buyer (customer) of the product through the screen as shown in Figs.

The customer stock ownership information providing means 708 is a public stock market 400 shown in Figs. 20 and 21 by the commodity purchaser (customer) acquired through the stock dividend product purchase of the present invention and the stock market 400 and / Alternatively, after receiving stock ownership information including information purchased from a private stock market 300 from the corresponding stock market and / or the company 100 and storing the stock ownership information in the stock ownership DB 726 for each customer, FIGS. 31 and 32 perform a function provided to the corresponding product buyer (or terminal) through the screen or the passbook.

The accounting automation ASP means 709 is related to the embodiment of FIG. 19, and the accounting work of the stock dividend product selling company 100 of the present invention is connected to the investment intermediation means 700 without the company having its own installation program. It is a server computer program that supports ASP (Application Service Provider) process. Through this, the company-specific accounting information DB 723 is established. The accounting information providing means 103, which is a client program corresponding to the accounting automation ASP means 709, which is the computer program for the server, is also downloaded in connection with the use of the accounting automation ASP means 709 in the investment mediation means 700. It is preferable to support the product sales company computer 100 to be installed.

The accounting and management information providing means 710 is the accounting information, management performance information, and / or the accounting firm of each product selling company stored in the accounting information DB 727 through the accounting automation ASP means 709 It performs the function of providing the accounting audit information for each product selling company of (750) to the product purchaser (customer) terminal of the present invention in connection with the investment (purchase of the stock dividend sale product, etc.) for the company.

The investment mediation means 700 is an escrow service according to the sale of the stock dividend sale product of the present invention between the product selling company 100 and the product buyer 600, and the present invention with a product selling company on behalf of a potential product buyer. Guarantee of fulfillment of the above agreements, such as the conclusion of the brokerage agreement for the mass sale of the products sold by the stock dividend (co-purchase), the introduction of the present invention to the product buyer, the stock dividend of the product selling company for the contribution of the company's profits, and In the contract between the product seller and the buyer of the product, such as monitoring, it is preferable to perform the function of a third party in a company that can gain trust from the product seller and insurance buyers such as insurance companies and financial companies.

The purchase price management means 730 is interlocked with and controlled by the function of the product trading mediation means 705, and the order information as illustrated in FIGS. 19, 34, and 36 through the product sales mediation means 705. Receive a stock dividend sales product purchase fund DB (736) for each product, establish a commodity purchase fund account (741) linked to each commodity purchase fund, receive a prepaid commodity purchase price from the commodity buyer, and deposit the funds into the fund account, Product purchase price payment history information is sent to the investment mediation means 700 and / or the product seller company computer 100, and the price of the goods delivered to the product buyer 600 on behalf of the product buyers ( 100), the unpaid product purchase price is refunded to the corresponding product purchaser 600, and the fund management result information is transmitted to the investment intermediation means 700.

Therefore, it is natural that the function of the purchase price managing means 730 may be directly performed by the product trading mediation means 705.

The function of the financial server 740, which opens the deposit account 741 for each fund and stores the deposit / withdrawal information of the deposit, belongs to a job of a financial institution such as a bank, a securities company, etc. in a known technology, and deposits a deposit account for each fund. In order to open a different commodity purchasing fund account (741) at the same financial institution, or open the commodity purchasing fund account (741) at the main trading financial institution of each investment company (commodity sales company), It is preferable that the name of the escrow service provider of the present invention, such as the investment broker 700 or the purchase price management means 730, not the commodity selling company 100.

The function of the customer investment deposit management means 800 is basically belong to a job of a financial institution such as a known securities company or investment bank. However, unlike a known securities company's investment deposit account, not only the deposit and withdrawal of investment deposits, but also cash dividends and / or stock dividends from commodity purchasing companies, and the deposit and withdrawal of stock trading funds, A new financial server for investment deposits and investment profit management for commodity investment that enables the management of stock ownership details of the present invention with a single bank account, and manages the deposits of multiple individual clients. It is preferable that it is composed of. Therefore, since the function of the purchase price management means 730 can also be performed by a financial institution, the functions of the purchase price management means 730 and the customer investment deposit management means 800 may be performed by one financial institution. . However, the customer investment deposit management means 800 has no problem in implementing the gist of the present invention even when excluded from the configuration of the present invention according to the business judgment of the present inventor. In this case, the stock dividend sale product of the present invention can also be purchased through unpaid bank transfer or Internet transfer of known technology, and the stock can be distributed through offline channels according to a contract.

When the investment mediation means 700 includes the functions of the purchase price management means 730, the customer investment deposit management means 800 and the accounting firm 750, the system configuration of the present invention is the same as the example of FIG. As shown in the figure, the Internet 1000, the commodity sales company computer 100, the commodity buyer terminal 600, and the third investment broker 700 means.

The accounting audit function of the accounting firm 750 may also be integrated into the investment mediation means 700 or may be performed by the accounting and management information providing means 710. Alternatively, even if the auditing function of the accounting firm 750 is excluded from the system configuration according to the business decision of the present inventor, there is no problem of implementing the present invention.

The product order information receiving unit 731 receives the sales (investment) product information as shown in FIG. 23 and the joint (bulk) purchase order information for the product from the product sales intermediation means 705, and purchases DB for each product 736 ) To establish a product-specific fund account (741) linked to this.

The product order price receiving means 732 receives a prepaid product order price corresponding to the received order information for each customer and deposits it in the corresponding product fund account 741 and stores the deposit details in the corresponding product purchase fund DB 736. And transmits to the commodity sales intermediation means 705 and / or the sales company computer 100 to instruct delivery.

The product delivery information receiving unit 733 receives the delivery result information of the product corresponding to the received order information from the corresponding product purchaser 600 and stores it in the corresponding product purchase fund DB (736) and the product purchase mediation means ( 705 and / or to the selling enterprise computer 100.

The delivery payment means 734 pays the purchase price of the delivered product to the product selling company 100, refunds the purchase price of the undelivered product to the corresponding product buyer 600 and pays and / or Stores the refund information in the corresponding commodity purchase fund DB (736) and transmits to the commodity trading mediation means (705).

The investment deposit deposit / withdrawal means 801 is a condition for allocating a part of the profit and / or enterprise value of the merchandise selling company to the merchandise buyer for a predetermined amount of cash and / or stock in accordance with the purchase amount for the prepaid reservation of the merchandise. Cash distributed by the company selling the goods according to the deposit and withdrawal information of the investment deposit for the payment of the purchase price of the goods for the customer who wants to purchase the stock dividend sale goods sold as And / or stock dividend information, the dividend deposit and withdrawal information, stock ownership change information due to the sale and sale of the stock, and / or the payment and withdrawal and withdrawal information of the stock as shown in FIG. 30. Open an investment deposit account 811 and deposit deposits and / or proceeds as shown in 29 investment deposit account number 2901 I perform the function of withdrawal

The product order transfer means 802 is a product purchaser (customer) who opened an investment deposit account 811 orders the product through the product sales mediation means 705 receives the order history information and payment information after receiving the product If there is a deposit balance corresponding to the order price, the function of transferring the product order price from the customer's investment deposit account 811 to the corresponding product purchase fund account 741 of the purchase price management means 730. If the deposit balance is insufficient, an account opening financial institution may automatically lend to you within a certain amount.

The dividend information receiving means 803 may determine a portion of the corporate profit and / or the enterprise value according to the stock dividend sales product purchase amount and / or the performance of the product purchaser profiting the product sales company owning the stock. Receive information, which is allocated to the buyer of the goods in cash and / or stock, directly from the goods sales company computer 100 or through the company-specific dividend information providing means 707, and store the information allocated to the goods buyer in the deposit account 811 of the customer. It performs the function.

The stock ownership information receiving unit 804 receives stock ownership information of each commodity selling company for each customer directly from the corresponding commodity selling company computer 100 or through the customer stock ownership information providing unit 708. To store in the customer's deposit account (811).

The transaction history passbook writing means 805, the investment deposit deposit / withdrawal means 801, the commodity order price transfer means 802, the dividend information receiving means 803 and / or the stock ownership information receiving means ( 804) deposit and withdrawal of investment deposits, product purchase (investment), dividend deposits and withdrawals, stock dividends, changes in stock ownership information, and / or stocks of investment deposits stored in the customer's investment deposit account 811 through 804). The transaction payment and withdrawal history information is recorded in the online passbook and / or offline passbook as shown in Figs.

The point providing means 101 provides a point as shown in Figs. 25 and 27 for the company profit contribution activity of the stock dividend sale product purchase customer of the present invention to store in the point DB 131 for each customer and directly to the customer Or it performs a function to provide through the company-specific point information providing means 706.

The point settlement and cash / stock dividend means 102 are settled as shown in FIGS. 8, 26, and 28 with respect to US settlement points stored for each customer and stored in the cash / stock dividend DB 132 for each customer. And / or directly to the dividend information receiving means 803 or through the dividend information providing means 707 for each company.

The accounting information providing means 103 processes the financial and accounting work of the company through the accounting automation ASP means 709 and stores the processed result information in the accounting / management information DB 133 and for a predetermined period (eg, Annual or quarterly closing period) to provide the customer with the accounting information and / or management performance information directly or through the accounting and management information providing means 710.

Although not shown, the investment broker 700 of FIG. 33 registers purchase price management means 730 business information, customer investment deposit management means 800 business information, product selling company 100 information, and accounting firm 750 information. And means for managing.

FIG. 34 is a diagram for illustrating a data structure of commodity purchase fund-related DBs for escrow services and a linkage relationship between DBs in the purchase price managing means 730.

The commodity purchase fund index DB 3401 includes only common information such as a product name, a commodity model (including specifications), a sales company, a sales company ID, a unit price, and a payment account among order information of the purchase fund DBs 736 of FIG. 33. It is linked to the related DBs as shown in the example of FIG. 35 by the fund code 08-000002. Therefore, it is obvious to those skilled in the art that the information of the product purchase fund index DB 3401 and the information of the product purchase fund DB 3402 may be integrated into one of the product purchase fund DB 3402.

The product purchase fund DB 3402 corresponds to reference numeral 736 of FIG. 33 and includes information on the orderer (customer), order date, order quantity, order amount, payment amount, delivery, and payment for the product having a specific fund code. It is composed and linked with other DBs by fund code.

The commodity fund accounts 3403, 3404, and 3405 correspond to the reference numeral 741 of FIG. 33 and constitute the same number as the number of payment account numbers for each fund stored in the commodity purchase fund index DB 3401. The commodity fund of 08-000002 consists of three fund accounts, one for each bank, since there are fund accounts open for payment in three banks, and the data included includes the fund code, customer name and It consists of the minimum necessary data, such as a unique identification number (resident registration number), the amount of payment and the date of deposit, and is linked to the product purchase fund DB 3402 by the fund code and social security number. In the present invention, as a unique identification number of the customer for interworking customer information between each DB as described above may use the member (customer) ID of the investment mediation means 700 site instead of the resident registration number.

Reference numeral 3406 is an example of order information that does not deposit the price of a product until the purchase price is settled, and the case is processed as an order cancellation, and reference numeral 3407 indicates that the product buyer cancels the order or delivers it due to the circumstances of the product selling company 100. This is an example of refunding a product price due to a failure.

Among the banks in which the fund account is opened, designating the main trading bank of the commodity sales company in which the fund funds are to be invested is advantageous for securing credit for the company's working capital loan. As for the designation method of the main bank, it is preferable that the commodity selling company selects among the banks which open the commodity investment fund account of the commodity that presents favorable conditions for credit loans to the commodity selling company.

35 is an exemplary diagram of a data link using a fund code between building blocks associated with the investment product sale and escrow service of the present invention. As illustrated, the investment product information DB 722, the product sales information DB 723, and the company-specific dividends are illustrated. Investment mediation means 700 including information DB 725, purchase price index DB 3401 and purchase price management means 730 including a specific product (fund code 08-000002) purchase fund DB 736, A commodity selling company computer 100 including a cash / stock dividend DB 132, a financial server 740 of a purchase price management means 730 including a specific commodity (fund code 08-000002) fund account 741, And the financial server 810 of the customer investment deposit management means 800, including the customer investment deposit account 811, may configure the database to be linked to each other (data link) through the fund code 08-000002. do.

In addition, between the investment product information DB (722), the product sales information DB (723) and the company-specific dividend information DB (725), the product purchase fund index DB (3401) and the specific product (fund code 08-000002) purchase fund DB ( It is desirable to allow the 736 to interwork with the fund code 08-000002.

The cash / stock dividend DB 132 of the merchandise sales company computer 100 is ordered and / or delivery instructions for each fund code in order to establish a profit community relationship of the present invention system illustrated in FIGS. 5 and 6. And receive the delivery and commodity price, divide the cash and / or shares of the contract in the fund code unit according to the contract by the customer's delivery amount unit or the total customer's union delivery unit amount, and divide the dividend information with the cash / stock dividend DB ( 132) and pursuing the joint profit of FIG. 7 according to whether or not the fund information is included in the order information as it relates to providing the product buyer 600 through the company-specific dividend information DB 725 of the investment brokering means 700. It is possible to differentiate between the order information at the stage and the equity ratio of the cash and / or shares to be distributed.

36 is a product purchase fund DB 736 and a fund account 741 and a customer investment deposit account 811 generated based on the investment product information DB 722 and the product purchase information DB 723 of the investment intermediation means 700. Exemplary relational structures for data link and information flow between) are related to the building blocks shown in FIGS. 33 and 34.

The product purchase fund index DB 3401 constructed in the storage means 735 of the purchase price management means 730 is a product of the investment product registered in the investment product information DB 723 of the investment intermediary 700 as shown in FIG. 34. It consists of information that can be commonly referred to in order information through fund code among information. Accordingly, as shown in the example of FIG. 34, record information having a specific fund code registered as a key field consists of common identification information (product name, product model, sales company, company ID, unit price, etc.) and purchase payment account information of the ordered product. It is preferable to be.

The commodity purchasing fund DB 736 receives and registers the order information of the commodity buyer stored in the commodity trading information DB 723 of the investment intermediary means 700 as the fund code as a key field and then commodifies the commodity purchasing fund account linked to the fund code. The payment information is updated according to the payment details of 741.

According to the example of FIG. 34, the 08-000002 commodity purchase fund DB and the 08-000003 commodity purchase fund DB are the respective commodity purchasing fund accounts for depositing commodities into the financial server 740 of Kookmin Bank, IBK, and Woori Bank. 741), and each fund account can be linked with the corresponding product purchase fund DB using the fund code and the payer's resident number as shown in FIG. 34 to confirm the payment result of the customer ordering the product.

Reference numeral 810 denotes a financial server 810 of the customer investment deposit management means 800 for storing the customer investment deposit account 811 and the deposit / withdrawal information of the deposits according to the accounts. Each bank's financial server contains multiple clients' deposit accounts. Therefore, the customer should consider the remittance fee if the financial institution where the product purchase fund account 741 of the purchase price management means 730 is opened is the same as the financial institution where the customer's investment deposit account 811 is opened. Demonstrates that the funds can be transferred to an opened fund account. On the other hand, a customer who opens a customer investment deposit account at Hana Bank can select a bank according to the customer's circumstances or preferences because it is another bank transfer even if the product is transferred to a fund account (741) opened at a financial institution. To illustrate. The data link between the commodity purchase fund account 741 of the purchasing fund management means 730 and the customer investment deposit account 811 of the customer investment deposit management means 800 may be the fund code and the customer's social security number (or customer ID). have.

In addition, a purchaser of a product having difficulty in using the Internet or an internet connection environment such as an elderly person may purchase a product (investment) as an investment deposit account without using an investment intermediary (700). If you provide (800) with the bank account, fund code, order quantity, customer ID or resident registration number of the investment brokerage site of the commodity buyer, the remaining orders can be performed by the investment deposit management financial institution 800 on behalf of the commodity buyer. have. In this case, however, the customer investment deposit management financial institution 800 may receive a written application document including the purchase application information as in the conventional written remittance application, if necessary.

The fund code may be announced to customers in the form of product advertisements such as newspaper advertisements.

In addition, when a customer purchases the present stock dividend sale product to a relative as a gift, the stock acquisition right may be paid by the payer or the gift recipient. However, in case of gift purchase, it is desirable to confirm the gift recipient's consent to accept the gift through wired / wireless communication network in order to prevent the rejection of the gift. In the case of the present purchase, the recipient of the above-described product delivery may be an investment broker enterprise customer designated by the product owner instead of the product owner. For this, each order information registered in the product purchase fund DB 3402 of FIG. It is desirable to include information on the recipient and delivery location. In this case, the delivery confirmation information registration to the purchase price management means 730 may be a product buyer (gift provider) or a product recipient.

In addition, the present invention can also be presented as a gift voucher, the fund code linked to the purchase of a specific product, the ID of the investment mediation means 700 site and the product price of the present invention in the digital form of the digital gift of the corresponding amount wired / wireless Internet, etc. When the gift recipient transmits to the purchaser terminal through the present invention, when the gift recipient agrees to receive the gift after logging into the investment mediation means 700, a gift certificate amount is transferred to the present investment deposit account 811 of the gift recipient and the purchaser of the gift certificate recipient is ordered. (Buyer) may allow the order process for products with the fund code to proceed automatically.

However, according to the selection, even in the case of a gift by the gift certificate, an order may be processed so that the gift vender payer (gift provider) receives the stock and / or cash.

FIG. 37 is a diagram illustrating an information flow and a procedure of operations between respective building blocks of the present invention system shown in FIGS. 34 to 36 for escrow services of the purchase price managing means 730. FIG. To illustrate,

A step 3701 in which the product selling company registers the present invention specific investment product information in the investment mediation means 700;

After the investment intermediary means 700 grants a new fund code, and transmits the specific (08-000002) investment product index information to the purchase price management means 730, the investment product purchase fund index DB 3401 as shown in FIG. 34. Registered step 3702;

Step 3703 of newly establishing a fund code 08-000002 product purchase fund DB 3402 such as the example of FIG. 34 mutually identified by the fund code, and opening a fund account 3403, 3404, 3405 linked to one or more financial institutions;

The purchase price management means 730 receives the product buyer (purchaser) information for the fund code 08-000002, the goods receiver information, and the buyer / customer order information from the investment mediation means 700 to purchase the fund code 08-000002. Step 3704 to register with the fund DB 3402;

3705, when receiving the price of the goods from the order customer, records the deposit in the order information of the corresponding customer of the corresponding fund DB 3402 and notifies the investment intermediary means 700 or the product selling company 100;

If there is another buyer, step 3706 to repeat steps 3704 and 3705;

Step 3707, when the order product selling company 100 delivers the ordered product to a corresponding customer (product recipient), the customer registers the delivery details in the corresponding customer order information of the corresponding fund DB 3402;

Step 3709, if there is an undelivered order, refunds the price to the product buyer and executes step 3711;

Step 3710, the purchase price management means 730 pays the price of the goods delivered to the product sales company 100; And

Step 3711, the purchase price managing means 730 notifying the investment mediation means 700 of the result of managing the commodity fund; It includes.

Although not illustrated separately in each of the above embodiments, the costs and fees for trading brokerage of the investment brokering means 700 are fully paid by the product selling company 100 or the product buyer 600; Alternatively, each may be collected for sharing. For example, the cost and fee collection method may be deducted or collected separately from the price of the product to be paid in the case of the merchandise selling company 100, and the buyer of the product may be additionally included in the purchase price of the product or collected and / or distributed separately. It may be replaced by cash and / or stocks.

(Features of the present invention)

38 is a comparison chart of the characteristics of the venture investment association of the prior art and the investment association of the present invention, wherein the investment association of the prior art includes a fund of a private equity fund, a public fund and / or an investment trust account of an investment bank.

39 is a comparison table of the characteristics of the investment cycle of the prior art and the present invention, and provides comparison information in the general investment cycle of the investment in investment procurement-> investment destination selection-> investment destination management-> investment recovery.

Since the various embodiments provided herein are provided by way of example, the scope of application of the present invention is not limited to the above embodiments, and various examples may be made within the scope of the technical idea of the present invention with reference to the above examples according to a business decision of a person skilled in the art. There may be variations. Thus, the claims of the present invention also cover these modifications.

The effects and benefits of an investment attraction company or a product buyer (investor) using the present invention include the following.

1. Attracting investment companies can make necessary financing at low cost.

2. Acquisition of a large number of loyal customers is made at the same time as financing, so that attracting companies can get a lot of sales and profits with low sales cost.

3. Commodity Producers will be able to manufacture goods on pre-orders, significantly reducing production costs, distribution costs and management costs.

4. Buyers can acquire stocks of commodity selling companies that can make high profit dividends by purchasing goods themselves free of charge or at low prices. Therefore, even in low-income consumers (buyers) who have no investment in the prior art, the stocks of good companies can be purchased. You can own it.

5. In addition to monetary investment, a statement of interest for a company in which a commodity buyer owns shares can contribute to the company's profits and share the benefits.

6. Commodity buyers will be able to invest conveniently and safely with little money, without having to go through an investment broker, and make an investment that can receive high returns early.

7. Commodity buyers will be able to conveniently purchase products online and / or offline using the deposit account and receive the profits and transactions for them.

8. The buyer of the product (investor) can be provided with accurate and accurate information on the management performance of the investing company.

9. By providing accurate information on investment products and investment companies, information asymmetry can be minimized, so that general investors (purchasers of goods) can directly and safely invest in agents, eliminating or minimizing agent costs.

10. Attracting investments The company can raise the necessary funds quickly and easily without the complicated procedures and complicated documents for attracting investments.

Claims (21)

In the investment method using the Internet, Commodities including cash and / or stock dividend agreements from commodity sellers who wish to sell commodities on the basis of allocating a portion of their profits and / or enterprise value to stock commodities for commodity buyers' prepaid reservations; Registering and storing the stock dividend sale products related information related to the terms of sale and introducing them to one or more buyers of the products; Receiving a purchase order of the registered stock dividend sale product from at least one product purchaser and prepaying an order price; Confirming the purchase order details of the payment, and instructing delivery of the goods to the selling company; And A step of free or paid dividends of cash and / or stocks of the amount stipulated in the terms and conditions to the goods buyers or goods recipients who paid the goods after delivery of the ordered goods; Establishing a profit community relationship comprising a; Investment method linked with the purchase of goods using the Internet, characterized in that it comprises a. In the investment method using the Internet, Wants to sell in bulk to one or more buyers of stock dividends sold on the condition that the buyer of the goods is prepaid for the purchase of the goods in advance and a portion of the company's profits and / or corporate value is distributed in cash and / or stock to the buyer of the goods. Signing an agreement for the sale and sale of certain goods with a commodity selling company; Receiving information from the contracted merchandise sales company and information on selling products including stock dividend agreements including stock dividend agreements; Introducing the registered stock dividend selling product to one or more product buyers; Receiving order information on the registered stock dividend sale product from the buyer; Instructing delivery of the purchase price corresponding to the order from the goods purchaser in advance from the goods purchaser and instructing the product sales company to deliver the order with the purchase price received; Receiving delivery information on the ordered goods; And / or dividing the price of the goods instructed to be delivered before or after the delivery of the goods or before and after each of the payments to the goods sales company. Commodity marketing brokerage step comprising; A company-specific point information providing step of receiving information on the profit contribution activity of the product selling company including the product purchaser of the product buyer and / or information about the points acquired through the product selling company computer and providing the product buyer to the corresponding product buyer; The commodity selling company that sells the stock dividend selling product receives cash and / or stock dividend information allocated to the point owner and / or the stock owner according to a predetermined criterion for part of the corporate profit and / or the enterprise value. Providing to the buyer; Company-owned stock ownership information, including information on the stock market and / or the private stock market, obtained by a commodity buyer from the stock market and / or the commodity selling company. Providing to the buyer; Supporting the accounting work of the product selling company by the computer in the online mode in the ASP (Application Service Provider) method without an installation program; And Providing accounting information, management performance information, and / or accounting audit information for each commodity selling company registered by an accounting corporation to the commodity purchaser processed and stored through the ASP method; At least one of; Investment method linked with the purchase of goods using the Internet, characterized in that it comprises a. In the investment method using the Internet, One or more vendors' computer or third-party intermediary means wishing to sell the goods on condition that allot their profits and / or corporate value in cash and / or stock to the buyer of the goods in advance for the buyer's prepaid purchase of the goods. Registering and storing the stock dividend sales product introduction information related to the terms and conditions of the merchandise sales, including the stock dividend agreement, from the merchandise selling company and providing them to one or more merchandise buyer terminals; At least one commodity purchaser placing a purchase order of the registered stock dividend sales commodity at the selling company computer or the mediation means: Prepaying the purchase price of an ordered product to the product selling company or the third party according to an instruction of the selling company computer or the mediation means; If the commodity price has been paid to the third party, the mediation means instructing delivery of the ordered payment to the selling company computer; If the price of the goods is paid to the third party, dividing the price of the goods ordered by the third party before or after the delivery of the goods, respectively, before and after delivery to the goods selling company; And Free or paid dividends of cash and / or its shares in the amount stipulated in the Terms and Conditions to the buyer or recipient of the goods after the seller delivers the ordered goods; Establishing a profit community relationship comprising a; Investment method linked with the purchase of goods using the Internet, characterized in that it comprises a. The method according to any one of claims 1 to 3, Each purchaser of the commodity continues to purchase the commodity of the selling company that is allocated stock and / or to perform the profitable operation of the selling company; And The selling company allocates a portion of the company's profits and / or company values to each of the buyers of the goods in cash and / or stock according to predetermined criteria and directly for each purchase amount and / or corporate profit contribution activity of each buyer of the goods. Or through third-party intermediary means; A joint benefit pursuit step comprising; Investment method linked with the purchase of goods using the Internet, characterized in that it further comprises. The method of claim 4, wherein the dividend of corporate profits, Calculating, by the selling company, the purchase amount and / or corporate profit contribution activity of each of the product buyers as points and providing information on the points directly to each of the product buyers or through the third party's intermediary means; Investment method linked with the purchase of goods using the Internet, characterized in that it comprises a. The method of claim 4, wherein Acquiring, by the third party company, the stock allocated to the product buyers from the product selling company on behalf of the product buyers and transferring the stock to the product buyers as it is or distributing it to the stock of the third party company; Investment method linked with the purchase of goods using the Internet, characterized in that it further comprises. The method according to claim 2 or 3, Allocating a fee for the mediation to a commodity selling company, a commodity purchaser or each of them; Investment method linked with the purchase of goods using the Internet, characterized in that it further comprises. In the investment system using the Internet, A commodity that includes a stock dividend agreement from a commodity selling company who wishes to sell the commodity on the condition of allocating some of its profits and / or enterprise value in cash and / or stock to the commodity buyer for a prepaid reservation of the commodity buyer; A means of registering, storing, and selling the stock dividend sale products related information related to the terms of sale and introducing them to one or more buyers of the products; Means for receiving a purchase order for the registered stock dividend sale product from at least one product purchaser and prepaying the order price; Means for confirming the purchase order details of the payment received and instructing the product selling company to deliver the goods; And Means for free or paid dividends of cash and / or its shares in the amounts stipulated in the Terms and Conditions to the commodity buyer or commodity recipient who paid the commodity after the commodity sales company delivers the ordered goods; Means for establishing a profit community relationship; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. In the investment system using the Internet, Wants to sell in bulk to one or more buyers of stock dividends sold on the condition that the buyer of the goods is prepaid for the purchase of the goods in advance and a portion of the company's profits and / or corporate value is distributed in cash and / or stock to the buyer of the goods. A merchandise sale brokerage contracting means for entering into a mass sale brokerage contract with a product selling company; Investment product registration means for receiving information from the contracted product selling company and the stock selling information including stock dividend sale terms including the stock dividend agreement; Investment product introduction means for introducing the registered stock dividend selling product to one or more product buyers; Means for receiving order information on the registered stock dividend sale product from the product buyer; Means for instructing delivery of the purchase price corresponding to the order from the product purchaser in advance from the goods purchaser and instructing the product sales company to deliver the order for the purchase price; Means for receiving delivery information for the ordered goods; And / or means for dividing the price of the goods instructed to be delivered to the merchandise sales company in whole or before and after merchandise delivery, respectively. Commodity trading mediation means including; A company-specific point information providing means for receiving information on profit contribution activity of the product selling company including product purchase of a product buyer and / or information about the points acquired through the product selling company computer and providing the information to the point owner; The commodity selling company that sells the stock dividend selling product receives cash and / or stock dividend information allocated to the point owner and / or the stock owner according to a predetermined criterion for part of the corporate profit and / or the enterprise value. Dividend information providing means for each company provided to the buyer; Receiving stock ownership information from the stock market and / or the commodity selling company, including information on the sale of the stocks of the commodity selling company acquired by the commodity buyer from the public stock market and / or the private stock market, to the corresponding commodity buyer. Providing customer stock ownership information providing means; Accounting automation means for supporting the accounting work of the product selling company by the computer in the online mode in the ASP (Application Service Provider) method without an installation program; And Accounting and management information providing means for providing the product buyers with accounting information, management performance information, and / or accounting audit information for each product selling company registered by an accounting corporation, processed and stored through the accounting automation means. ; Investment mediation means connected to the internet comprising one or more means; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. In the investment system using the Internet, One or more vendors' computer or third-party intermediary means wishing to sell the goods on condition that allot their profits and / or corporate value in cash and / or stock to the buyer of the goods in advance for the buyer's prepaid purchase of the goods. A means for registering and storing information on selling products including stock dividend agreements from stock selling companies and stock dividend selling goods introduction information related to the terms and providing them to one or more product buyer terminals; Means for one or more goods buyers to place a purchase order for the registered stock dividend sale goods on the selling company computer or the intermediary means: Means for prepaying the purchase price of an ordered product to the product selling company or the third party according to an instruction of the selling company computer or the mediation means; Means for instructing the intermediary means to deliver the ordered payment to the selling enterprise computer if the product price has been paid to the third party; Means for paying the commodity sales company by dividing the price of the commodity ordered by the third party before or after the commodity delivery, or before and after the commodity price payment to the third party; And Means for free or paid dividends of cash and / or its shares in the amounts stipulated in the Terms and Conditions to the buyer or recipient of the goods after the seller delivers the ordered goods; Means for establishing a profit community relationship; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. In the investment system, The Internet, including wired or wireless communication networks; Selling goods, including a stock dividend agreement, for the sale of a stock dividend sale product sold on the condition that a portion of its profits and / or company value is paid in cash and / or stock to the buyer of the goods on the prepaid reservation of the goods by the buyer of the goods; Means for introducing the stock dividend sales product introduction information relating to the terms and conditions to one or more product buyers directly or through a third-party intermediary means; Means for concluding a sales contract of the stock dividend sale product with at least one product buyer directly or through a third-party intermediary means; Means for delivering goods for which the sale contract is concluded; Means for recording the goods purchase history of the goods buyer and / or the activities profitable to the enterprise and delivering the recorded details directly or through third party intermediary means to the goods buyer; Based on the recorded results, a portion of the corporate profits and / or corporate values is allocated to each of the buyers of the goods in cash and / or stock according to a predetermined standard and delivered to the buyer of the goods directly or through a third-party intermediary. Way; And Means for providing management performance information of the company to each of the goods buyers directly or through an intermediary means of the third party; One or more commodity selling enterprise computers connected to the Internet including one or more of; And Purchase the stock dividend sale product directly from each selling company computer or through a third-party intermediary means and / or engage in activities relating to the profit contribution of the selling company holding the stock; One or more commodity purchaser terminals for transmitting and / or receiving information related to cash and / or stocks distributed by the selling company through the Internet in response to profit contribution results; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. According to claim 10 or 11, wherein the third-party intermediary means, Wants to sell in bulk to one or more buyers of stock dividends sold on the condition that the buyer of the goods is prepaid for the purchase of the goods in advance and a portion of the company's profits and / or corporate value is distributed in cash and / or stock to the buyer of the goods. A merchandise sale brokerage contracting means for entering into a mass sale brokerage contract with a product selling company; Investment product registration means for receiving information from the contracted product selling company and the stock selling information including stock dividend sale terms including the stock dividend agreement; Investment product introduction means for introducing the registered stock dividend selling product to one or more product buyers; Means for receiving order information on the registered stock dividend sale product from the product buyer; Means for instructing delivery of the purchase price corresponding to the order from the product purchaser in advance and instructing the product selling company to deliver the order in which the purchase price has been deposited; Means for receiving delivery information for the ordered goods; And / or means for distributing all or each of the charges for the instructed goods before or after the goods delivery to the goods selling company; Commodity trading mediation means including; A company-specific point information providing means for receiving information on the profit contribution activity of the product selling company including the product purchaser of the product buyer and / or information about the points acquired therefrom from the product selling company computer and providing the product buyer to the corresponding product buyer; The commodity selling company that sells the stock dividend selling product receives cash and / or stock dividend information allocated to the point owner and / or the stock owner according to a predetermined criterion for part of the corporate profit and / or the enterprise value. Dividend information providing means for each company provided to the buyer; Receiving stock ownership information from the stock market and / or the commodity selling company, including information on the sale of the stocks of the commodity selling company acquired by the commodity buyer from the public stock market and / or the private stock market, to the corresponding commodity buyer. Providing customer stock ownership information providing means; Accounting automation means for supporting the accounting work of the product selling company by the computer in the online mode in the ASP (Application Service Provider) method without an installation program; And Accounting and management information providing means for providing accounting information, management performance information, and / or accounting audit information for each commodity selling company registered by an accounting corporation to the commodity purchaser, processed and stored through the accounting automation means; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises one or more of. The method of claim 10, wherein the third-party intermediary means, Signing an agreement for the mass sale of a particular commodity with a commodity selling company who wishes to sell the commodity on the condition of allocating some of its profits and / or company value in cash and / or shares to the commodity buyer for the prepaid reservation of the commodity buyer; Way; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. The method according to claim 9, 10 or 12, A means for allocating a fee for the brokerage to a company selling goods, a product buyer, or each; Investment system linked with the purchase of goods using the Internet, characterized in that it further comprises. The method of claim 8 or 10, Means for recording the continued purchase of the selling company's goods and / or the activities profitable to the selling company, to which each of the buyers of the goods is allocated stock; And The selling company allocates a portion of the company's profits and / or company values to each of the buyers of the goods in cash and / or stock according to predetermined criteria and directly for each purchase amount and / or corporate profit contribution activity of each buyer of the goods. Or means for communicating through a third-party intermediary means; Joint benefit pursuit means comprising; Investment system linked with the purchase of goods using the Internet, characterized in that it further comprises. The method of claim 15, wherein the corporate profit distribution means, Means for the selling company to calculate the purchase amount and / or corporate profit contribution activity of each of the goods buyers as points and to provide information about the points to each of the goods buyers directly or through the third-party intermediary means; Investment system linked with the purchase of goods using the Internet, characterized in that it comprises a. The method according to claim 8, 9, 10 or 11, Means for acquiring the shares allocated by the buyers of goods from the goods selling company on behalf of the goods buyers and transferring them to the goods buyers as they are or dividends into stocks of a third party company; Investment system linked with the purchase of goods using the Internet, characterized in that it further comprises. The system of claim 8, wherein the system comprises: In the form of commodity investment, a share dividend sale product sold on the condition that a portion of the profit and / or enterprise value of the commodity selling company is distributed to the commodity buyer with a certain amount of cash and / or stock depending on the purchase amount. Information on deposit and withdrawal of investment deposits for payment of goods purchased by customers who want to make purchases, cash and / or stock dividend information, and dividend deposits and dividends distributed by the product selling company in connection with the purchase of the stock dividend sale products; Means for managing withdrawal information, stock ownership change information due to the sale and sale of the stock, and / or deposit and withdrawal information of the stock in an account for each customer; When the customer who opens the investment deposit account orders the stock dividend sale product directly to the user terminal or through the intermediary means, the order history information and the payment information are received, and the customer's investment deposit account corresponds to the product order price. Means for reducing the amount of the deposit if there is a deposit balance and transferring it to the commodity payment account designated by the commodity selling company computer or the mediation means connected to the Internet; In accordance with the purchase amount of the stock dividend sale product and / or the performance of the product purchaser in the profitable activity of the product selling company that owns the stock, a part of the corporate profit and / or enterprise value may be paid in cash and / or stock to the buyer of the product. Means for receiving the distribution information directly from the commodity selling enterprise computer or through the intermediary means and storing it in a deposit account of the customer; Means for receiving the stock ownership change information of each commodity selling company for each customer directly from the commodity selling company computer or through the intermediary means and storing it in the deposit account of the customer; At the request of the customer, the deposit and withdrawal details of the investment deposits stored in the customer's deposit account, purchase of goods, dividend deposit and withdrawal history, stock dividend history, change in stock ownership information, and / or deposit and withdrawal of trading value of the stock Means for recording historical information in online and / or offline bankbooks and providing them to the customer; One or more means; One or more customer investment deposit management means comprising; And / or Accounting audit information is received directly from the selling company's computer or through the third party's intermediary means, and the accounting audit information is directly or through the Internet. One or more accounting firm terminals provided to the product purchaser terminal through a broker's broker; Investment system linked with the purchase of goods using the Internet, characterized in that it further comprises. According to any one of claims 8 to 11, The stock dividend sales product introduction information, Internet comprising product description information including product name, specification, price, per capita purchase limit and / or delivery time, and cash and / or stock dividend agreement information including stock and / or cash dividends, etc. Investment system linked with product purchase using In a financial server connected to the Internet, The financial server includes one or more commodity purchaser terminals connected to the Internet, one or more commodity selling company computers connected to the Internet, and a third-party intermediary means connected to the Internet for commodity trading between the commodity buyers and the commodity selling companies. As a building block of investment system linked with the purchase of goods through the Internet, it is composed of one or more In the form of commodity investment, a share dividend sale product sold on the condition that a portion of the profit and / or enterprise value of the commodity selling company is distributed to the commodity buyer with a certain amount of cash and / or stock depending on the purchase amount. Information on deposits and withdrawals of investment deposits for payment of goods purchased by customers who wish to purchase, information on cash and / or stock dividends distributed by the company selling goods in connection with the purchase of the stock dividend sale products, deposits and withdrawals of dividends Means for managing information, stock ownership change information due to the sale and sale of the stock, and / or deposit and withdrawal information of the stock in an account for each customer; When the customer who opens the investment deposit account orders the stock dividend sale product directly to the user terminal or through the intermediary means, the order history information and the payment information are received, and the customer's investment deposit account corresponds to the product order price. Means for reducing the amount of the deposit if there is a deposit balance and transferring it to the commodity payment account designated by the commodity selling company computer or the mediation means connected to the Internet; In accordance with the purchase amount of the stock dividend sale product and / or the performance of the product purchaser in the profitable activity of the product selling company that owns the stock, a part of the corporate profit and / or enterprise value may be paid in cash and / or stock to the buyer of the product. Means for receiving the distribution information directly from the commodity selling enterprise computer or through the intermediary means and storing it in a deposit account of the customer; Means for receiving the stock ownership change information of each commodity selling company for each customer directly from the commodity selling company computer or through the intermediary means and storing it in the deposit account of the customer; At the request of the customer, deposit and withdrawal details of investment deposits stored in the customer's deposit account, purchase details, dividend deposits and withdrawals, stock dividends, changes in stock ownership information, and / or deposits and withdrawals Means for recording historical information in online and / or offline bankbooks and providing them to the customer; One or more means; A financial server connected to the Internet for investment deposits and investment proceeds management for commodity investment comprising a. In the investment deposit and investment profit management method using the Internet, the method, Internet connection with one or more commodity buyer terminals connected to the Internet, one or more commodity seller computer computers connected to the Internet, and a third-party intermediary means connected to the Internet for commodity trading between the commodity buyer and the commodity seller; It is carried out through a financial server connected to the Internet consisting of one or more included in order to form an investment system linked to the purchase of goods, In the form of commodity investment, a share dividend sale product sold on the condition that a portion of the profit and / or enterprise value of the commodity selling company is distributed to the commodity buyer with a certain amount of cash and / or stock depending on the purchase amount. Information on deposits and withdrawals of investment deposits for payment of goods purchased by customers who wish to purchase, information on cash and / or stock dividends distributed by the company selling goods in connection with the purchase of the stock dividend sale products, deposits and withdrawals of dividends Managing information, stock ownership change information due to the sale and sale of the stock, and / or deposit and withdrawal information of the stock in an account for each customer; When the customer who opens the investment deposit account orders the stock dividend sale product directly to the user terminal or through the intermediary means, the order history information and the payment information are received, and the customer's investment deposit account corresponds to the product order price. If there is a deposit balance, reducing the amount and transferring it to the commodity payment account designated by the commodity selling company computer or the mediation means connected to the Internet; In accordance with the purchase amount of the stock dividend sale product and / or the performance of the product purchaser in the profitable activity of the product selling company that owns the stock, a part of the corporate profit and / or the enterprise value may be paid in cash and / or stock to the buyer of the product. Receiving allocation information directly from the commodity selling enterprise computer or through the intermediary means and storing it in a deposit account of the customer; Receiving stock change information of each commodity selling company for each customer directly from the commodity selling company computer or through the intermediary means and storing the stock ownership change information in the deposit account of the customer; At the request of the customer, deposit and withdrawal details of investment deposits stored in the customer's deposit account, purchase details, dividend deposits and withdrawals, stock dividends, changes in stock ownership information, and / or deposits and withdrawals Recording the historical information in an online bankbook and / or an offline bankbook and providing the same to the corresponding customer; At least one of; Investment deposit and investment return management method for investment in the commodity using the Internet, characterized in that it comprises a.

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