KR20140137332A - small sum, group investment method and investment income a share method and the actualobject investment conversion to invest money damage prevention for internet groundwork - Google Patents

Abstract

The present invention relates to an Internet-based small and public investment method, an investment profit distribution method, an investment loss prevention method through transition to real estate investment, and an investment method thereof. The method according to an embodiment of the present invention includes the steps of: inputting a superior deal with ensured profitability and stability to a purchase server; receiving investment applications; automatically classifying the form and method of the investment and calculating the confirmed investment amount to store the amount; notifying the transaction processing step to investors through text messages and emails on a real-time basis; finally requesting the investors to confirm the investment; and generating a legal contact and storing the contract.

Description

A small amount of bonds based on the Internet, method of collective investment, method of allocating investment profit, investment damages prevention method and investment method by conversion to real investment. {Small sum, group investment method and investment actual investment investment conversion to invest money damage prevention for internet groundwork}

The present invention relates to a system for allocating a small amount of money to a single bond or an article of joint investment, a method of collective investment in joint investment, and a profit distribution corresponding to the investor's interest in the proceeds generated by the investment, In order to prevent the loss of the principal of the bond investor and to maximize the investment profit of the real investor through the conversion to the real investment to prevent the loss of the investor due to the decline in value, more specifically, The investor (operator) conducts the first right analysis to estimate the return rate based on the estimated purchase price of the investment object and the expected dividend, The investor invests in the object, the investment proceeds, and the dividend is distributed from the court. In case of the risk of the investment profit and the investment principal as well as the decrease in the expected bid price due to the multiple auction due to the process of the auction, the investment bond is allocated to the investor , It is converted into a real investment object, and the expected bid price and the expected rate of return of the real investment object are calculated separately from the investment of the bond, and the actual investment is carried out by recruiting the real investor. In addition, the real investors will receive the auction items in small amount by offsetting the bonds that have been invested, and the amount of bids as high as the amount of the bonds To guarantee the stability of the winning bid, It relates to a method that can multiply the effectiveness and return on investment.

Recently, the auction has been on the rise due to the long-term economic recession, and the public interest in the auction is also increasing.

However, it is not difficult for the general public to participate in the auction, and it is a reality that it is necessary to acquire professional knowledge about the auction and enter the auction market only if there is a certain amount of extra money.

In addition, since the IMF crisis, financial institutions have secured liquidity by securing liquidity and matching the BIS ratio by selling large amounts of bad loans (NPL) that are not recovered from Mortgage bonds. These bad debts are purchased or commissioned by the securitization specialist company and AMC, but they are not easily purchased by the general public, and it is difficult to analyze the rights of the bonds and to calculate the estimated revenues. It is true that there are many risks such as money loss and it is difficult for the general public to enter the market and the market is influenced by some experts.

For this reason, it is difficult to enter the real estate auction market, and it is difficult to invest in bonds based on insufficient information on NPL non-performing loans.

Accordingly, the present invention provides a real estate auction and bond investment market centered on a company having a large capital and an individual having a certain amount of assets or more, and a real estate auction consulting service and similar online real estate Auction service and bond investment service method,

The object of the present invention is to enable general small investors who do not have a lot of capital to enter the investment market and to participate in investment without expert knowledge about real estate auction and bad debts

The present invention helps the general investor to select an investment item because the investor (operator) conducts the first right analysis on the real estate auction and the bond in advance and selects the object with relatively high safety and profitability as the investment object, Advantages of avoiding investment risks and increasing profitability by disclosing risk factors in advance.

Since the present invention is configured to allow both small investors and large investors to participate, it is advantageous that various forms of investment can be developed depending on the kind of investment objects, special goods, and relation of special rights. The investment amount can be decided according to the voluntary decision, and investment can be withdrawn at any time before the end of investment application.

The present invention has the advantage that the investors themselves can select the portion of the direct investment and indirect investment, the single investment, and the form of the joint investment, and the investment amount can be adjusted according to the investment amount.

The present invention allows withdrawal of investment due to the remorse of the investor or the change of circumstances by separately setting a procedure of "confirmation of investment" so that the final investment amount and the purchase price are determined and the investor can indicate the final investment .

In the present invention, when an investor withdraws during the investment process, there is a procedure for determining whether the existing investment applicant will jointly acquire, solely take over, or attract additional investors, And that the investment progress can proceed normally.

In the present invention, when the real estate auction investment and the bond investment are carried out repeatedly, unlike the prior prediction, when the auction bidding price falls sharply, in order to avoid the risk factors of the bidder and the investor, And can prevent the loss of principal, real investors can also make investment in small amount, and maximize profits,

The present invention relates to a small amount of a bond based on the Internet, a method of collective investment and a method of distributing profit, and a method of preventing and damaging principal loss through conversion of a real investment,

The Supreme Court auction items are browsed and searched to select investment targets with high profitability and stability, and the expected bid price of the bonds through the first rights analysis and the estimated winning price of the auction are calculated and registered in the main server of the recruiter (operator) It is possible to prevent and correct financial losses in advance by preventing miscalculations of rights analysis that can occur when an ordinary person without expertise is involved in investment.

When you look at the existing service and patent application information, the general investor enters the desired winning bid amount or enters the desired investment amount. It is suggested that the method of collecting the average of the desired winning bid price to determine the expected winning bid price and the simple investment of the auctioned goods to be continuously consecutively, , It is difficult to calculate the normal expected winning price, and if one writes more or less one 0 to the desired winning bid amount as a prank or an intention, the expected average price becomes excessively large, There is a realistic impossibility to be connected to practical investment.

In addition, the Supreme Court auction system automatically raises the auction information and automatically inputs the information to reduce the burden on the worker to register the goods information quickly, but the Court of Supreme Court inquiries to the Supreme Court Administration, the auction system registered as a result of the auction To the system to automatically scrape off, and the auction information system is connected to the auction information collected by collecting data to the court auction system is put a heavy load on the case is carefully monitored, About the company which operates the paid information site. It is possible to prevent collection of data by imposing a heavy burden on the auction system at any time according to the position of the court and to warn that the company collecting the court auction data without permission can ask for civil and criminal liability,

According to the main object of the present invention, the auction data is not collected without access to the court auction system, and the auction items are read in the Supreme Court real estate auction system, and profitability and stability are secured through the primary right analysis by the recruiter And the stability of the investment and fairness was ensured by registering it as the object to be invested in the main server of the recruiter (operator) for the good commercial property.

In the present invention, when a plurality of micro-investors etc. participate in investment of a bond or auction of goods by a single micro-investor through the main server, the investor examines the condition of each object and sets a predetermined amount according to his circumstances and freely invests .

Depending on the investor's investment application, the investor can decide on the type of investment, such as single investment, joint investment, direct investment, and indirect investment.

Investors can cancel investments at any time before the deadline,

It is possible to diversify the types and methods of investment by investors. The investment categories are single investment and joint investment. The investment types are divided into direct investment and indirect investment. It is possible to select the investment method according to the investor's condition by dividing into the designation method, the account law, the micro-investment law, etc., and the maximum number of the single investment and joint investment can be designated or adjusted according to the characteristics of the object by the recruiter .

When the investment application is reached and the investment application is closed, only the member who has applied for investment in the item is allowed to view, and the security device is operated so that the public can not view it, thereby keeping the investment secret and preventing the leakage of the contents To prevent unfair competition,

When the investment application is closed, the second right analysis phase starts. In the case of bond investment, the real right relationship is analyzed, and the final purchase price is confirmed through reading of bond and auction documents through AMC and negotiation of actual purchase price of the bond do.

When the final purchase amount is determined, the actual investment amount is automatically calculated and determined according to the investor's ownership ratio, and the investment amount of each investor .

Each investor looks at the final investment amount of the investment item selected by the investor and displays the final investment intention through the procedure of "investment decision", indicating the intention of the final investment, and sends the investment amount to the investor Deposit process.

When the investor completes the "Investment Confirmation" procedure, the Contract and Guarantee Server will display the investment contract and business entrustment document bearing the investor's name, contact number, case number, object number, investment number, investment amount, Contracts, deductions prepared for investment incidents, and guarantees are automatically created and displayed to investors online, and the investor's willingness to conclude contracts is confirmed by pressing the "Accept" button, and it has legal effect.

At this time, the investor can browse and print the investment contract, business contract, brokerage contract, certificate of mutual aid, guarantee document, etc. At this time, the contract and other attached documents confirming the payment of the investment money include the seal of the applicant The seal is displayed and only the contract marked with the seal is recognized as a valid contract.

By investing correction system for the persons withdrawing investment by reversing the investment intention without making "investment decision", we collect opinions of the existing investors about whether the existing investor will take over the amount withdrawn from investment or recruit new investors If a new investor can not be recruited without acquiring an existing investor, the recruiter (operator) will take over the withdrawal amount and the method of acquisition will be an external borrowing method such as pledge loan and meridian loan To facilitate the investment process, and existing investors to complete the investment process so that they can enjoy the leverage effect that maximizes profits at a small amount.

The investors are required to register in the investment information of the main server in real time about the proceedings such as the purchase contract of the bonds and the receipt of the dividend of the court and disclose to the investor terminal at any time so that they can be confirmed at any time and send a text message and e- Transmit and notify in real time.

When the dividend payment is received, the investors will automatically calculate the proceeds to be distributed to each investor, and notify each investor of the investment principal and investment income to each investor. If there is no objection, the investor will complete the online remittance to the bank account presented by each investor. This is the end.

In the present invention, the investment amount and the profit rate of each investor are stored in the database, and it is processed at a glance, and the profit rate and the profit amount of each investor are calculated and notified to the investor. There is an advantage to proceed.

The present invention targets bond investment, real investment, and real estate auction through online, and allows a general small investor who does not have expert knowledge to participate in bond investment and real estate auction investment, thereby lowering the barrier to entry market

The selection of the objects to be invested is based on a review of the auction information items of the Supreme Court, and the recruiter (operator) selects the superior items with relatively high profitability and stability through the analysis of the primary rights to the investment objects, And prevent errors such as blowing a bid deposit or raising investment money due to a mistake, so that they can invest safely.

In case of real estate auction, it is a reality that a small investor can not participate such as a minimum of 200 million to a maximum of 2 billion won in the case of apartment auction, but it is possible to invest a small amount through common investment through the present invention, To make stable investment activities possible

In the case of investment through general bond investment or real estate auction, the life cycle of a typical auction takes about 1 year and 6 months, and it takes a long time from the sale of the auction to the sale of the auction for a short period of time . However, in the case of NPL insolvent investment of non-performing loans, the investment progress is completed in a relatively short period of time from 3 months to 6 months for a short period of time, so that the investment amount and profit are distributed, It is possible to make a repeatable investment.

In the case of a bond investment using the present invention, when the expected bid price is significantly lowered due to continuous use, the expected profit amount is significantly lowered. In addition, if the risk of loss of the investment principal occurs, The real investor is able to realize the return on investment by achieving the objective of investment by recruiting the real investor and directly participating in the auction by winning the auction, and the real investor can buy the bonds It is possible to bid on higher amount than others and receive the winning bid stably, and it is possible to maximize profit by winning bid for the real auction at a small amount, and to be able to enjoy the effect of saving the capital gains tax.

If the bond investment is made through the present invention, from the "contract completion stage", it is possible to transfer or sell the ownership interest of the bond according to the ratio of each investor's bond to a third party through resale. At this time, the main server of the recruiter (operator) browses the information of the object in the separate bond repurchase market, and the information on the amount of investment and the rate of return is read and disclosed to the general investor to resell the relevant bond to the buyer Can

The present invention divides investment forms of direct investment and indirect investment so that when the direct investment is carried out, it is possible to increase the reliability of the investment by handling bond assignment contract and registration transfer in the name of each investor, And if it is a joint venture, it can register its ownership as joint ownership according to the ownership percentage.

Fig. 1 is a diagram showing the composition of a bond investment system according to the present invention
FIG. 2 is a diagram showing the composition of a bond investment and physical investment conversion system according to the present invention
3 is a block diagram of a main server system according to the present invention.
4 is a block diagram of a main server function according to the present invention.
FIG. 5 is a diagram showing an investment progress step-
Fig. 6 is a diagram showing the steps of the investment goods according to the present invention
FIG. 7 is a diagram showing an investment classification structure according to the present invention
8 is a diagram showing an investment type classification structure according to the present invention
9 is a diagram showing the configuration of the investment correction system according to the present invention
91 is a block diagram of a method for acquiring an investor of an investment correction system according to the present invention
FIG. 10 is a diagram showing the configuration of the real investment conversion progress according to the present invention
11 is a diagram showing a configuration of a physical investment bidding system according to the present invention
Fig. 12 is a diagram showing a detailed screen of an investment application processing unit according to the present invention

Explanation of the structure of the service and the preferred embodiment of the bond according to the present invention with reference to the accompanying drawings with respect to the small amount, common investment method, profit distribution method, To

First, in the configuration corresponding to the preliminary preparation step, the recruiter (operator) constructs a main server and a database for the configuration of the system of the present invention, To construct a web site (service).

The recruiter (operator) approves the membership by requesting the individual investor to input basic information such as name, contact information, and e-mail in the form of membership through the website (service).

First, the overall structure and system of the present invention will be described with reference to FIG. 1 and FIG.

FIG. 1 is a typical diagram of a bond investment. An offerer (operator) browses an auction item in the auction data of the Supreme Court, selects an investment object secured profitability and safety through primary rights analysis, And registers the investment object in the processing section (1).

In the main server registration processing unit, the case number, the article number, the location of the article, the type of the article (apartment, etc.), the auction start date, the appraisal date, the expiration date of the demand for dividend, the bid date, the owner, the debtor, In addition to the auction basic information of the relevant item, you can create a list of items such as the maximum amount of the bond, the actual amount of the bond, the expected purchase price, the expected amount of the dividend, the management AMC business name, And proceeds to the processing section 1.

The bond investor's terminal (2) can browse and search for the investment object registered by the recruiter (operator), and can select the investment object by reviewing the type of object and the investment conditions in a comprehensive manner. The amount of investment can be arbitrarily decided according to the situation.

The investor accesses the investment application processing unit (3) of the main server of the recruiter (operator) and applies for investment in the relevant investment object. The method of investment application can be applied by the methods such as direct investment law, indirect investment law, amount input method, number designation method, account method, small investment method, etc., and investment method is changed according to investor's investment situation. For example, if an entrant registers an object to be invested and assumes that no investor initially requests an investment, the investor who first makes an investment will invest the full amount of the investment target, The investor who has applied for the first investment has invested a small amount of money in the investment. The investor who invested in the first investment will invest a small amount The investment application processing unit changes the investment type to the common investment. The processing method for each investment type and method will be described in detail in FIG. 6 again.

When investors apply for investment, they store the unique values of the investor's ID, name, investment amount, item number, and investment number in the database of the main server and output the personal information of the invested member in the list of investors at the bottom, So that it can be read.

The investment application is automatically closed after the investment target amount is reached, and the process proceeds to the second right analysis stage. In the actual off-line, the second right analysis of the applicant (operator) and confirmation of the tenant, confirmation of the tenant, And the auction related documents are additionally checked, additional risk factors are additionally checked, the risk avoiding means is taken, the actual purchase negotiation of the bond with the AMC person in charge is carried out, the purchase price is determined, and the real- To be read by each investor.

As the purchase amount of the Mortgage is recorded in the expected purchase amount, the calculation processing unit (4) records the amount of the stake in the fixed purchase amount determined by each investor based on the stake of the investment amount based on the estimated purchase amount The amount of each investor's committed investment is calculated and stored in a database, and the investor's investment status processing department makes it possible to view the investment amount, discloses the fixed amount to each investor via text message and e-mail, and makes an investment confirmation request

When the investor confirms the final purchase amount and processes the investment decision, the brokerage contract and the business contract agreement recording the investor's name, ID, contact number, investment number, case number, object number, Contract, Deductible and Guarantee. The investment contract of the investor and the recruiter (operator) is established by outputting and displaying the documents such as the purchase commission statement and pressing the "Confirm" button. In addition, the investor immediately deposits 10% of the down payment of the confirmed investment amount and the purchase commission to the recruiter (operator), and the recruiter (operator) confirms the deposit.

After the conclusion of the purchase contract of NPL mortgage bonds and the transfer of registration, the dividend is distributed from the auction execution court through the process such as NPL and the investment principal and investment profit are transferred to the bank account designated by each investor.

In the case of a single investment, the investor receives the dividend from the court, and the process of distributing the investment principal and investment profit of the solicitor (operator) is omitted.

FIG. 2 is a flow chart showing the process of the investment process as shown in FIG. 1, and when it is expected that loss of investment principal and profit of each investor is expected to occur according to risk occurrence (5) do.

The actual investment progress is the same as the process of the bond investment, and the actual investment application can be made by the investor who has invested in the bond, the real investor, and there is no restriction on the investment application.

In addition to the auction basic information entered through the first right analysis, the bidder estimates the expected bid price and the expected rate of return of the auction item in the current state and calculates the bid price based on the offsetting of the maximum amount of the bonds already invested .

In the standard for calculating the bid price, the maximum amount of the bond that has been invested is settled. At this time, the bond investor calculates the amount that the investor can generate the investment profit without any loss. This allows you to manage bidding timing and bidding amount from time to time, and to prevent loss in advance by setting the breakeven amount of the existing bond in advance through the expected dividend chart.

For example, assuming that the auction item has been auctioned continuously from unforeseen risk and the fourth auction date has been designated, if the winning bid is won for 500 million won, a loss of 10 million won will be incurred in the bond investment, Assuming that the real bond is 200 million, the expected bid price is 600 million, and the market price is 800 million, the real investors are recruited and bid on the bid of 800 million on the basis of offsetting the full amount of the bond. As a result, the bond investor can get out of the risk of loss of principal and achieve the investment profit goal, real investor has won the bid of 800 million won, but the actual investment amount is 500 million, Since the acquisition tax is calculated at the time of subsequent sale on the basis of the contract price of 800 million won, it can have the effect of cutting the capital gains tax along with the profit of the sale.

If the sale proceeds and the sale proceeds, the proceeds of the bond and the investment of the real investor are automatically calculated from the proceeds of the sale and notified to each investor. If there is no objection , And transfer it to the bank account designated by each investor.

In this case, according to each situation, after the transfer of ownership is completed for the auction winner in accordance with the consultation between the real investor and the bond investor, the mortgage loan is executed on the winning article, so that the principal and investment profit of the investor have.

In addition, if the investor does not pay the principal and profit of the existing bond investor until the sale of the winning asset, the investor will pay the investment principal and investment profit from the sale price after the sale of the winning bidder is made, Of the amount of the interest,

FIG. 3 is a system configuration diagram of the main server of the present invention. The investor connects to the main server and proceeds with the investment process. The main server is composed of an investment object server for registering and processing investment objects, an investor server for managing the participation and progress of the investor, an investment application server for processing, recording and storing the investment application, , The automatic calculation and correction server that handles the automatic calculation for the conversion from the expected amount to the actual amount, and the output and the inspection of the certificate of mutual aid which is the protection device of the investor after the investment is confirmed, the brokerage contract and the business contract agreement And a settlement and distribution server that processes the investment principal and investment profit of each investor after receipt of the dividend and manages remittance processing and payment settlement to each investor.

FIG. 4 is a schematic functional configuration diagram of a system of a main server according to the present invention, in which a system is configured and a program is run by dividing the system into an operator mode, a user interface, an operation processing unit, and an investor connection mode.

In the recruiter (operator) mode, the registration processing unit of the investment object reads the Supreme Court auction data as described above, performs the first rights analysis, registers the good profitable and stable property, It is possible for the investor to recognize the state of the correct object by changing the status of the auction item by periodically checking the change of the bidder date, winning bid, offer, change, withdrawal, etc.,

The investment status of the goods can be seen and managed at a glance, and the number of investors invested and the amount invested can be viewed and managed.

Once the investment has been executed, it can be output to the investment execution list, which allows the investor to modify and record the changes or additions in the investor list, and actively modify the investment advisory and requirements of the investor.

In order to smooth the proceeding of advancement, SMS text messaging system is built up, character contents are stored in advance according to the stage, and texts corresponding to the corresponding stage are automatically sent to the investors by the system. have,.

The agency management mode is responsible for the management of local dealers and branch offices. The local expert group registering the investment object on behalf of the solicitor (operator) of the property subject to the investment in the agent allocation area is taken as the agent and the manager mode is provided

The settlement processing department of the agency is configured to distribute and share the benefits between the agency and the recruiter (operator), and includes the settlement and processing of the amount to be paid to the agency by the recruiter (operator)

In the user interface and the arithmetic processing unit, a general investor can browse and search for objects, find items matching investment conditions, and apply for investment in the investment application processing unit. When an investor's investment application is made, the investor's data base is automatically calculated by calculating the amount of the stake based on the investment amount, the amount of the down payment, the balance, the legal cost, and the purchase commission, and the investment is completed and the dividend is received. Once determined, the investment principal and investment profit are automatically calculated according to the relevant stake, and the investment profit is recorded and stored for each investment. The dividend payment of investment principal and investment profit is to transfer the investment principal and investment profit collectively to one investment case and complete the progress of the investment case.

In the investor access mode, a list of items selected by the investor as interest items, an investment list in which investment applications are made, an investment deposit list, and a settlement dividend list are formed.

FIG. 5 is a simplified chart showing the investment progress phase structure according to the present invention. As described above, when the recruiter (operator) views the Supreme Court auction data and conducts the first rights analysis, profitability and safety are ensured The investor can browse the goods information on the user interface through the investor terminal, search for the goods, select the goods meeting the investment condition of the investor, and apply for investment. If the investor receives the investment application and reaches the investment target amount of the object, the investment will be closed. From this time, only the investor who has applied for investment in the object will be able to view the object, thereby protecting the investment information and preventing unfair competition in advance have. In addition, the status of the goods is changed to the right analysis status. In the actual off-line, the recruiter (operator) conducts the second rights analysis and analyzes the rights such as site confirmation, tenant confirmation, confirmation of documents related to the bond, The analyst will then negotiate with the AMC representative to begin negotiating the purchase price of the bond and enter the purchase price into the main server of the buyer (operator) by entering the purchase price, so that the investment share of each investor and the fixed purchase price The investor determines the amount of the investment determined by the automatic calculation process, and each investor notifies the investor of the amount of the final investment, and the final investment intention is indicated by the procedure of "investment confirmation" , For investors whose investments have been confirmed, brokerage contracts, business contracts, , The exemption certificates and the inspection certificate and investment contract "OK" recruiters with the click of a button (the operator) and the investors of the investment has been completed and is to have legal effect.

At this time, when a person who can not make an investment decision and withdraws investment is incurred, the existing investment amount is invested by the existing investor alone or jointly, the additional investor is recruited, or the recruiter (operator) This will allow the investment process to proceed without any disruption. This investment correction system is also operated when the deposit payment obligation is not fulfilled or the balance deposit is not implemented, and the amount or stake invested by the person who is inevitably withdrawn from the investment is transferred to the investor who buys the withdrawal amount .

In the state where the balance has been completed and the registration has been completed, the share of the bond investment can be transferred or sold to a third party before receiving the dividend of the auction court. The transfer of the bond is carried out by the re- Market) to allow the re-sale processor to view the shares, amount, and profit rate of return of the bonds together with the basic information of the auction, and sell the bonds to the buyer under the supervision of the recruiter (operator) .

This investment case is completed by participating in the auction court dividend, receiving the dividend, and distributing the investment principal and investment profit to each investor.

FIG. 6 shows the processing state of the investment object that is started by registering the object to be invested by the recruiter (operator). When one cycle returns, the investment progress of the object is processed as the investment completion and the process of the object ends do.

If the applicant (operator) registers the object to be invested on the main server, the status of the investment object becomes "in the process of applying for investment." From this time, ordinary investors can read and apply for investment. When the investment target is reached and the investment application is closed, the status of the item is changed to "Under the right analysis". From this moment, it is impossible for ordinary investors to view the investment to keep confidentiality of the investment. , The recruiter (operator) will present the second right analysis, the analysis of the goods, the field confirmation, etc., and register the progress in real time in the article progress field of the main server so that the investor can browse at any time.

Once the rights analysis of the recruiter is completed, the status of the goods is changed by "negotiating the price" and the final purchase price is determined by consulting the AMC bond manager with the actual purchase price of the bond. When the purchase price is confirmed, the fixed purchase amount is recorded in the object information field and the state of the object is changed to "during investment confirmation." When the state of the object is changed to the investment confirmation state, the automatic calculation processing section receives the input value of the fixed amount, And automatically sends the text message and e-mail to each investor to view the fixed amount and make the investment confirmation process.

Upon completion of the investment decision, the contract and guarantee server will automatically generate and display the contract, warranty and deed certificate, and the status of the item will change to "deposit payment request" and the investor will deposit the deposit and purchase fee.

Upon completion of depositing the down payment, AMC and Hadang sign a contract to transfer the bonds to the Hadan bond, scan a copy of the contract, disclose it to the progress of the item, make it available for investors to read at any time, Change it.

If you change the status to "Request for residual deposit" 3 days before the expiry date, a text message and e-mail will be sent to each investor to guide the deposit. When the dividend is received from the court, the amount equivalent to each shareholder's equity is automatically calculated based on the actual dividend received from the settlement and compensation server, so that each investor's investment After creating, recording and storing the principal and investment profits, each investor is notified of the receipt of the court dividend through text message and e-mail.

If the remittance of profits is normally completed, if you change the status of the goods to the investment completed state, one investment progress item will be completed and there will be an unanticipated risk during the investment and the auction process will be stopped, In the case of "cancellation of investment," the number of investors who applied for investment may be withdrawn from the investment, or the investment process may no longer be carried out due to unavoidable circumstances. If it is not possible, change the status of the goods by "cancellation" and the whole investment process will be canceled.

FIG. 7 is a diagram of investment types and methods. As shown in FIG. 7, this is a key constituent logic differentiating from other general bond investments. Individual investors or investment companies having a large amount of spare funds can participate, So that investors can participate in the investment.

In the early stage, if the recruiter (operator) registers the superior item through the right analysis and registers it with the main server of the present invention, the investor can select the single investment and the common investment according to the choice of the investor to participate as the best investor, In detail, if the investor initially invests in the investment target amount, the security is applied so that the public can not access the investment object automatically by the "investment application deadline" as soon as the investment application is made. The state is directly invested, and it is decided as a sole investment, and the rights analysis is started.

In other words, assuming that the investment amount is 100 million, if the first investor makes an application for investment of 90 million Won, the investor is an investor who wants to make a joint investment without investing in Dotalk and owns 90% Of the total investment,

If the second investor submits an application for investment of KRW 10 million, the investment will be closed and the public will not be able to browse it, and investment will be made in the form of joint investment and direct investment.

Here, a single investment means that a single investor invests in the entire investment target amount, and the investment proceeds alone. A joint venture is a joint venture in which two or more investors jointly invest in each other, and each investor pays for various costs based on the stake of each investor and receives dividends from the shares.

Direct investment refers to the registration of ownership transfer in the name of the investor after the auction sale. In the case of a single investment, the investment will be made by direct investment. In the case of a joint investment, in case of a large number of investors, If you have physical difficulties to register all and do not want to invest in your name, you have to sign a contract with the recruiter (operator) and make a contract with the recruiter (operator) It refers to entrusting business.

If you enter only the minimum limit, such as setting the maximum number of participants at the time of registering the investment object, the investor will voluntarily ask for the maximum amount For example, assuming that the investment target amount of the investment object is 100 million won, the minimum investment amount of this item is 1 if the recruiter (operator) limits the maximum number of participants to 100. In other words, an investor who wants to participate in the investment can apply for investment of more than 1 million won, and the maximum investment amount can be applied for investment target amount or the remaining remaining balance.

The number designation method is a method selected by the recruiter (operator) to select more concrete, reliable, and quicker progress. For example, if three investors are designated for 100 million investment objects, Only three investors can participate, and they will invest the same amount and the same share at fixed rates.

The account law means that if the recruiter (operator) invests 100 million won in the registration of the investment object, uses the account law, and selects 100 accounts, the investment amount of 1 account is 1 million won, If you invest one account, you will have a 1% stake. If you select 30 accounts, you will have a stake of 30%.

This is advantageous in calculating the amount of investment or settlement of accounts, and it is possible to control the investment amount according to the account selection because the fraction less than the decimal point does not occur and the fraction less than the decimal point does not occur as compared with the amount input method and the small amount investment method.

The Small Investments Act is a method that allows you to invest your own amount of money without any special restrictions. The difference between the method of inputting the amount of money and the method of inputting the amount of money is determined by the number of participants, but the minimum investment amount is determined. There is a characteristic that can determine the amount,

FIG. 8 illustrates the logic for determining the direct investment and the indirect investment described above, and it is intended to assist understanding by attaching the configuration diagram. As shown in the figure, when one person invests alone, If the application is made, the investment will be made by a single investment or a direct investment. If the investment target is less than 10 persons and the investment target is less than 10 persons, investment will be made in the form of joint investment and direct investment. In the case of a large amount of goods, it is possible to use more than 10 persons in the case of a large amount of goods. It also means that the investor can proceed with the direct investment and register his / her name in the register of all the investment personnel.

FIG. 9 is a block diagram of the investment correction system described above. In the case of withdrawal of investment during the investment decision, withdrawal of investment because the deposit is not treated as an admission deposit, withdrawal of investment as a result of withdrawal of deposit, In order to keep the process running, the investment adjustment system can be activated to supplement the investment amount or to reinforce the investment amount.

There are two methods of investment correction: the existing investor acquisition law, the additional investor recruitment method, and the recruiter (operator) acquisition law. The existing investor acquisition law can be divided into the independent method, the partial personnel acquisition method, and the common acquisition method .

First, if you take a look at the existing investor acquisition law, the method of soloing is to buy one by one of the existing investors literally. For example, in FIG. 9, if the investment amount is 30 million won, This is a method of acquiring an additional investment of 30 million won, and the acquisition law, which is part of the existing investor, is negotiated by two or more of the existing investors. And may include methods of arbitration and solicitation by the recruiter under the supervision of the recruiter (operator).

The common acquisition method is that the investor who invested 30 million won invested in the same amount of shares in the joint venture. At this time, the recruiter (operator) calculates and records the investment amount and the stake ratio, which are automatically increased by the automatic calculation processing unit, and corrects the existing investment amount and inputs it to the investor They should be notified through text messages and e-mails, and should be read. At this time, if the person who has withdrawn from the investment already has the amount or right that has already been paid, the right is transferred to the investor who acquired it. Since the contract has been read and confirmed by the contract and guarantee processing department, the withdrawn investor I can not.

The additional investor recruitment method is a method of proceeding in the case of not withdrawing from existing investors. In this case, the investor is promptly registered by registering the goods in the special investment conditions market on the web site (service) of the recruiter So that there is no restriction on the investment progress. As mentioned above, if there is any amount already paid by the existing withdrawal person, the additional investor takes the right for free. For example, if an investor who has withdrawn invests 10 million won and has already paid a monthly deposit of 1 million won and has paid the commission, if the investor can not pay the balance due to the change of circumstances and withdraws the investment, The investor will receive an additional amount of 1 million won for the down payment and the purchase commission for the investor, and the additional investor will receive the monetary gain equivalent to the down payment of KRW 1 million and the commission fee.

The method of acquisition by the recruiter (operator) is the method in which the recruiter (operator) acquires the two types of acquisition methods not adopted, and the recruiter (operator) purchases the investment through the pledge and external borrowing The amount of interest paid on pledge and external borrowing will be borne by the existing investors, and the dividend on the withdrawal will be distributed to the existing investors when the profit is distributed.

Assuming that the external borrowing amount is 30 million won, the interest amount is 300 thousand won, the investment amount is 10 persons, and the profit of 30 million won is 3 million won, taking the investment amount of 30 million won as an example, (Operator) will mobilize 30 million won of insufficient investment by utilizing pledge loan and external borrowing, and the interest of 300,000 won for the borrowed money will be borne by 10 investors for each 30,000 won, and the profit for 3 million won will be 3 million won In other words, in the case of the solicitor (operator) acquisition method, the existing investor will bear the interest on the insolvent borrowing and the additional dividend will be paid to the existing investor. , Each investor would pay an additional 30,000 won in interest and receive an additional dividend of 300,000 won to achieve an additional profit of 270,000 won . As shown in the diagram of FIG. 9-1, the recruiter (operator) requests external borrowing to the financial institution in response to the recruitment request of the recruiter (operator), executes the loan with the corresponding investment object as collateral, Investment can proceed.

In FIG. 10, when there is a risk of loss of investment profit or investment principal of a bond investor due to an unexpected failure due to an unexpected risk factor, the investor's request or the request of the investor can do,

As described above, based on the basic information of the goods and the auction basic information, which are inputted when the investment of the principal of the investment is incurred in case of the risk of the investment principal, the current state of the auction, the estimated winning bid price, And the rate of return on investment when investing in a real auction.

At this time, since the existing bond investment is based on the amount of the bond that corresponds to the maximum amount of the bond in progress, it is a part that can receive a bid at a higher amount than others, so that it can receive the auction winning bid stably.

In the case of mutual agreement between investors, a mortgage loan is executed after the transfer of ownership rights, and the amount of investment principal and investment income of the bond investor is settled / Can pay

Fig. 11 is a block diagram of the real investment bond offsetting bidding system according to the present invention. In the transition to real investment, the investor of the bond investor is protected, the investment profit is realized, , Which can realize gains on sale, and offsetting receivables, the won can be won at a high price, and the sale tax income effect can be seen when selling.

In FIG. 11, assuming that the price of the auction item converted into the real investment is 900 million, the loss of the principal of the bond investment is 600 million, and the expected winning price is 600 million, that is, Assuming that the bidders are bidding at the estimated bid of 600 million won, assuming that they can pay the principal but waste the time and see the financial loss such as legal fees for transferring the commission and registration, The investors participating in the investment will be able to bid for a total of 700 million won by offsetting the investment amount of 400 million won and the maximum amount of bonds of 300 million won.

At this time, the bond investor will be able to realize the original investment goal as well as the investment principal by winning the bid of 700 million won, which is more than 600 million won, which is the loss of the principal loss. But the actual investment was 400 million won, so the profit of the gain on the sale increased because it was won the auction item relatively cheaply,

As described above, if the bond investor proceeds after the sale of the auction item that won the dividend for the investment principal and the profit distribution, the company will pledge additional money equivalent to the interest, so the bond investor will not take the loss for a long period of time , It is possible to execute a mortgage loan on the auction winning article in consultation with the real investor, and to distribute / settle the investment principal and investment profit of the bond investor in advance,

In the present invention, the re-sale market shown in FIG. 5 is a market for re-sale, in which, after an investment has been made on an investment object and an object registered on the main server, The investor's share of the bond and the property is resold. The re-sale is to separate the space for exhibiting and presenting a separate article called the resale market. It also displays information such as the object information, the bond information, and the profit rate, which are already inputted, The investor who wishes to buy the stock by buying the desired selling price is requested to view the contents from the listing information through the progress bar and comprehensively determine the purchase price. It is the responsibility of the buyer to automatically generate and display the contract for transfer of the bond or the name of the object or the interest of the bond under the supervision of the buyer, Records and records the contents on the management system of the recruiter (operator) as soon as the To transfer all rights, the Seller to the Purchaser.

12 is a system of the present invention which is currently in service and is actually operated through a web site (service). In the detailed screen configuration of the object to be invested, (6) indicates the present progress level of the object to be invested in an easy to understand manner. As described above, A text message and an e-mail are sent simultaneously to notify the investor that the progress of the item is rapidly changed.

(7) displays the auction basic information of the object to be invested and shows it to the investor, the auction case number, the goods change, the location, the auction court, the sale date, the auction start date, the object use, the creditor, the debtor, the owner, , Building area, bid deposit, target of sale, and amount of charge

(8) shows the classification and type of investment currently under way.

(9) provides the investor with information such as the bond maximum amount, the expected purchase price, the expected dividend amount, the estimated profit amount, and the expected profit rate.

(10) represents the minimum investment amount of the object to be invested. The minimum investment amount is as described above. If the maximum amount of participants is determined by the minimum limit of the recruiter (operator), the minimum investment amount is determined accordingly In FIG. 12, the minimum investment amount is displayed as the investment amount conducted by the money amount input method, and the short amount investment amount is not displayed in the account method or the number designation method. ), If the maximum number of participants is 10, the minimum investment amount is automatically designated as 10 million Won. Investors can freely decide the amount of investment and apply for investment within the maximum amount of investment within the maximum investment amount.

(11) indicates the current investment status of the investment object. It shows the investment rate and the graph according to the investment participation number and the investment amount as well as the investment amount, so that it can know the investment state of the investment goods at a glance.

In this state, enter the investment amount and click "Invest" button to complete the investment application

Although the present invention is described based on NPL of real estate auction and non-performing NPL in order to make it easier to understand and clarify, it is possible to provide a small amount and common investment platform through the Internet even in the case of general bonds and general goods, The conversion to real investment in the event of a risk element is also applicable to general investment products,

Conversely, investing bonds for the purpose of auctioning real estate auctions can be sufficiently applied to the present invention.

This enables joint investment through the Internet regardless of the type of investment, provides information on real-time through the main server, announces changes and progress, and prevents risks to investors. It is possible to operate joint investment, single investment, direct investment, indirect investment, etc. for investmentable goods.

1. Property Registration Processing Department - Registers and manages the objects to be invested in the main server
2. Investor terminal - means the investor has access to the main server
3. Investment Application Processing Department - Receive, record, and save investment application
4. Operation processing department - Automatically calculates investment amount, ownership rate and cost calculation
5. Risk Factor - This refers to the situation where the risk of the investment principal and profits arises due to continuous bidding
6. Marking the progress of the item - Marking the investment progress of the item
7. Auction item basic information - It outputs auction basic information of investment goods.
8. Classification and type of investment - Indicate the investment progress of the relevant items such as direct investment and indirect investment
9. Bond Information - Displays the current status and the rate of return of the investment target
10. Minimum investment amount - Indicates the minimum investment amount of the investment object
11. Investment Status - Indicates the current investment status of the investment object

Claims (19)

Small amounts of bonds based on the Internet, method of collective investment, method of distribution of investment profit, and method of investment damages prevention and investment method by conversion to real investment
Inputting a good sale having a profitability and a stability secured by a recruiter (operator) through the first rights analysis to the main server of the present invention by browsing the auction information of the Supreme Court;
The main server receiving an investment application for the investment object;
The main server receives the investment application from the investor and automatically classifies the investment type, investment type, and investment method. In order to determine the investment amount of the investment applicant, the automatic calculation is performed on the changed matters and the fixed investment Calculating and fixing the amount, storing the amount, and informing the investor of the amount;
A step of sending a text message and an e-mail to the investor in real time in each step as the progress of the article by the recruiter (operator) is changed in the main server;
Requesting a procedure of "investment confirmation" for asking each investor for a final investment intention on the main server;
An intermediary contract, a business commissioning contract, a certificate of mutual aid, and a guarantee document, which records an investor's name, ID, contact number, object number, investment amount, etc., Allowing the investor to view and agree to the terms of the contract by pressing the final "confirm" button, creating and storing a contract with legal effect;
An operation phase of the investment correction system for the maintenance of the investment withdrawal amount in the event of the withdrawal of personnel;
A "re-sale" phase in which the investment returns are recovered in a short period of time through the re-sale of the purchased bonds;
In order to avoid risk, investors are required to avoid the risk of loss of investment principal and investment income by switching to real investment in the risk situation which is expected to be lost due to investment principal and investment profit repeatedly due to unexpected risk factors. ;
A step of maximizing the investment profit by processing the maximum amount of the bonds of the bond investor in the auction step of the auction after the real investor recruitment step;
Including the step of allocating and allocating the investment principal and investment profit to the bond investor and the real investor through the sale of the auction item, the method of collective investment and the method of distribution of the investment profit, How to prevent and invest
The method of claim 1, wherein
When the applicant (operator) browses the auction items of the Supreme Court and performs the first rights analysis on the goods with excellent profitability and stability and selects the objects for investment and registers the goods on the main server, the status, amount and period And the type and method of joint investment can be designated and operated in accordance with the situation of the goods. At the time of registration of the basic information of the investment object, the maximum number of participants and direct investment, indirect investment, single investment, How to specify the type of investment and investment method to designate joint investment methods and formats such as the amount input method, the number designation method, the account method, and the micro-investment method according to the investment method

The method according to claim 1,
The investor specifies the minimum amount of investment so that the investor can determine the amount of investment according to the investor when he / she wants to invest in the main server and searches for and compares the investment object and applies for the investment. A method of determining the amount of investment that will allow you to determine your investment freely according to your willingness.

The method of claim 3,
The investor can adjust the amount of investment according to his / her circumstances, thereby influencing the investment progress of the object to be invested and changing the investment mode. For example, the investor may invest If the investor who made the investment application selects the joint investment at the time of the registration of the goods, but the investor invests for the first time in the investment object, the investment application will be closed and the investment form will be changed to the single investment or direct investment And the right analysis begins.
As such, only the recruiter (operator) does not specify the type of investment, but rather allows the investor to change the investment category and type to suit the progress of the investment. Classification according to investment classification and type method is classified into the single investment law, The method of dividing and automatically changing the investment type and investment method classified into the investment law, the indirect investment law, the amount input method, the number designation method, the account law, and the micro-investment law.

3. The method of claim 2,
It is a new part of the present invention that classifies joint investment, investment type and investment method. In the past, only the name of joint investment was used without dividing the method of collective investment. However, by classifying this in detail and specifying the investment method, Of the total investment.
When the maximum number of participants is designated by the recruiter (operator), the minimum amount of investment is divided by the maximum number of participants (for example, 10 million for 10 million shares) The amount invested can be set freely from the above amount, and if the remaining amount of the investment objective is less than the minimum investment amount,

3. The method of claim 2,
The number of people designation method is set by the recruiter (operator) at the time of registration of the object to be invested in the main server. When the number designation method is selected and the participant is designated, the per capita investment amount is determined and the investment amount is not changed For example, if the target investment amount is 100 million won and the number of people using the method is used and the number of participants is 2 (100 million won divided by 50 million won), the investment amount per person is 50 million won, and 2 A method of designating the number of investment methods that only people can invest.

3. The method of claim 2,
In the account method, the recruiter (operator) selects the account method by setting the object to be invested again in the main server, and sets the account. In the case of the Account Act, the value of the investment target amount divided by the number of accounts becomes the investment amount per account, and the investor can freely select and invest the account regardless of the quantity. For example, if the investment amount is 100 million won, and the account method is selected and the account number is set to 100 accounts, the investment amount per 1 account will be 1 million won. If the investor selects 10 accounts, the investment amount is 10 million won The method of investing to ensure that the account.

3. The method of claim 2,
The Small-scale Investment Act allows investors to invest in small amounts regardless of the target amount of investment, and can invest regardless of the number of people. When the investment target amount is reached, the investor closes the investment and proceeds with the investment. 10,000 won), and for the micro-investor, the investment method is limited to the limited number of investment and the amount is not limited.

The method according to claim 1,
If the status of the item is changed to the "right analysis" status after the investor's application deadline, the secondary right analysis of the recruiter starts and the purchase price of the bond is determined. If the confirmed purchase price of the bond is entered in the item information, The investment amount of each investor, stake, commission, legal expenses, etc. are calculated and stored in the database based on the estimated purchase price, and input is made as the settlement amount is inputted. And automatically adjusts and changes the amount of investment determined by all investors who have invested in the investment object and notifies all investors through text message and e-mail of the changed contents and automatically requests investment confirmation and investment Confirmation processing method

The method according to claim 1,
The progress of the investment object can be checked during investment application, right analysis, during price negotiation, during investment confirmation, during request for deposit of gold, during contract completion, request for residual deposit, completion of transfer of balance / registration, payment of dividend, It is divided into each stage such as completion, suspension termination, investment cancellation, investment completion, etc., and progress of the investment goods that the text message and e-mail are automatically sent from the main server every time the stage is changed.

The method according to claim 1,
For investors who have completed the investment decision, basic information such as name, ID, contact, address, investment amount, and case number of the investor, business registration number, deduction certificate number, , Brokerage contract registration number, business contract, contract of purchase, certificate of mutual aid and guarantee document are automatically generated and displayed to the investor. By pressing "OK" button, Contracts and warranties to ensure that they are legally valid and that contracts and endorsements are stored and printed for viewing at any time.

The method according to claim 1,
In the event of a disqualification of the investment during the investment process, the Company will maintain the investment continuity by operating the "Investment Adjustment System" There is a method of recruiting and recruiting (operator) acquisition. The existing investor acquisition method is divided into the method of operating the investment correction system and the method of withdrawing investment, which are divided into the single acquisition method, the acquisition method and the common acquisition method.

13. The method of claim 12,
In the case where the recruiter (operator) accepts the withdrawal fund at the request of the investor, the withdrawal fund is preserved by the pledge method and the external borrowing method as shown in FIG. 91, In the case of foreign investors, the amount of interest on the loan will be borne by the existing investor, and the dividend on the borrowing investment will be allocated by the existing investor.

The method according to claim 1,
In order to resell the completed investments to another person or a third party before the auction court receives the dividends of the bonds, the recruiter (operator) shall establish a repurchase market, and sell it to the investor If the buyer has the right to sell all the rights and obligations of the reissued bonds under the supervision of the recruiter (operator), he / she shall register all the rights and obligations of the reissued bonds under the supervision of the recruiter (operator) by providing the information on the auction information, bond information, The method of operating the resale market,

The method according to claim 1,
If a bond investor is exposed to an unexpected risk situation and a risk occurs in the investment principal and the investment profit, the real investor is recruited and the real investor is recruited and the auction item is won to prevent the loss of the principal of the bond investor And the real investors have a profit on sale by winning auction for a small amount of money, and the method of conversion from bond investment to real investment to save capital gains tax.

16. The method of claim 15,
In the process of recruiting real investors based on the auction item information and bond information, when the conversion to the real investment is decided, based on the offsetting of the maximum amount of the bonds of the invested bond investor, How to recruit a real investor by increasing the amount of the investment,

16. The method of claim 15,
After the auction bidding, the auction executive tribunal requests the auction execution court to offset the maximum amount of the bonds by the auction execution court at the stage of payment of the balance, How to offset the maximum amount of a bond by paying

16. The method of claim 15,
The bond investor is not participating in the dividend of the auction executive court, but does not participate in the auction executive court's dividend, and after the transfer registration of ownership of the auction winning article has been expired, a method of repaying the investment principal and investment profit of the bond investor by executing the mortgage loan to the winning bid article, How to recover the principal and investment income of the bond investor by repaying the investment principal and investment profit of the bond investor from the sale proceeds

The method according to claim 1,
After receiving the proceeds from the sale of the winning bidder and participating in the dividend of the auction execution court and dividing the bond funds and the investment profit, the amount corresponding to the investment share of each investor in the automatic calculation processing section of the main server , And the investment principal and investment profit are calculated, recorded and stored in each individual investor, and then notified to each investor through a text message and e-mail, and each investor clicks the "OK" A method of dividing and paying investment principal and investment profit, which is the process of transferring investment principal and investment profit to the bank account presented by each investor after the consent procedure for distribution of investment principal and investment profit.

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