KR20150076470A - Online funding system - Google Patents

Abstract

Disclosed is an online funding system. The online funding system according to an embodiment of the present invention includes: a value in kind-management unit which manages evaluation information for a value in kind provided from a first client; and an investment management unit which provides the evaluation information to a second client different from the first client and manages a plurality of online virtual accounts for the value in kind. The investment management unit generates funding information corresponding to the value in kind. The first client or the second client receives the funding information. The second client purchases one or more online virtual accounts. The first client receives evaluation fund according to the evaluation information from the investment management unit.

Description

Online funding system {ONLINE FUNDING SYSTEM}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online funding system, and more particularly, to an online funding system to which an online funding method based on crowdfunding is applied.

A variety of ways to fund corporations and individuals online are being proposed. In the traditional way, there are credit or mortgage loans using financial institutions. In the offline stores such as pawn shops, the method of borrowing the spot and borrowing a certain amount of the spot value is used.

In the case of conventional mortgage-related financial products, real estate has been focused on real estate, but recently, there has been a mortgage equivalent to real estate, such as securities and precious metals, and mortgage loan products .

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and it is an object of the present invention to provide an online funding system capable of financing funds through online crowd funding.

Another object of the present invention is to provide an online funding system capable of efficiently recovering an attempted fund in conjunction with an online commerce platform when the repayment of a loan is delayed.

The technical objects of the present invention are not limited to the above-mentioned technical problems, and other technical subjects not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided an online funding system comprising: a spot management unit for managing evaluation information on a spot provided from a first client; And an investment management unit for providing the evaluation information and managing a plurality of online virtual accounts for the spot, wherein the investment management unit generates funding information corresponding to the spot, and the first client or the second client The second client receives the funding information, the second client purchases one or more of the online virtual accounts, and the first client receives an evaluation fee according to the evaluation information from the investment management unit.

The second client reads the identification information and receives the evaluation information, and the second client reads the identification information to receive the funding information have.

A remote evaluation unit for receiving the image information on the spot received from the first client and generating the evaluation information for the spot based on the image information; Wherein the product evaluating unit analyzes the outline of the image information to determine a product type of the in-kind product, receives reference product image information from the outside on the basis of the product type, Product information can be generated.

Wherein the reimbursement management unit receives on-line reimbursement from the first client by summing the principal and the interest for a predetermined period of time, and manages the payment and the return information of the reimbursement money can do.

Further comprising a used-trade server for receiving the evaluation information on the spot from the spot management unit when the reimbursement management unit detects the payment information of the reimbursement money, the used-for-sale server generates sales information on the spot, The pre-sale server receives the transaction cost information and the settlement information for the article from the third client that has accessed the transaction information, and the pre-sale server transmits the settlement information to the redeeming management unit, Payment of the reimbursement amount and company information can be modified.

According to the present invention as described above, an online funding system capable of funding through in-line crowdfunding on an in-kind basis and efficiently managing funds and investing money by collecting investors in a virtual account system is provided .

If the loan repayment is delayed, an online funding system can be provided that can intervene with the online commerce platform and continuously execute the auction or pre-sale of the spot, thereby efficiently recovering the used funds.

In addition, it is possible to provide an online funding system having a remote emotional service so that the image information about the in-kind items on-line can be transmitted to the server to determine the evaluation amount of the in-kind and the availability of the secured loan.

1 is a block diagram illustrating a configuration of an online funding system according to an embodiment of the present invention.
FIG. 2 is a block diagram for explaining the configuration of the keeper fund server of FIG. 1 in detail.
3 and 4 are views for explaining a funding structure of an online funding system according to an embodiment of the present invention.
5 and 6 are views for explaining a collection structure of an online funding system according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. As used in the specification, "comprises" and / or "comprising" do not exclude the presence or addition of one or more other elements in addition to the stated element.

Hereinafter, an online funding system according to an embodiment of the present invention will be described with reference to the drawings.

Referring to FIGS. 1 and 2, a block diagram illustrating a configuration of an online funding system according to an embodiment of the present invention, and a block diagram illustrating a configuration of a kipping fund server in detail.

The online funding system according to the present embodiment includes a plurality of client devices 110, 120, 130, 140 and 150 (hereinafter, referred to as 100) and a keeper fund server 200, And manages the virtual account (300) representing the equity allocation information at the time of funding for the spot.

Specifically, the online funding system according to the present embodiment includes a spot management unit 210 for managing evaluation information on an in-kind provided from the first client 110, and a second client 120 And an investment management unit 220 for providing evaluation information and managing a plurality of on-line virtual accounts 300 for the in-kind. The investment management unit 220 generates funding information corresponding to the spot, 2 clients 110 and 120 receive funding information and the second client 120 purchases one or more online virtual accounts 300 and the first client 110 receives funds from the investment management unit 220 according to the evaluation information The evaluation fee is received.

The first client 110 and the second client 120 may have the same configuration, but are not limited thereto, and may operate in association with each other in a heterogeneous platform.

The first client 110 or the second client 120 can exchange data with each other and can perform data communication with the mutual fund server 200. [

The first client 110 or the second client 120 may be a computer such as a desktop PC, a kiosk, a notebook PC, or a tablet PC, but is not limited thereto. For example, the first client 110 or the second client 120 may be connected to the server 200 And may be any type of wired / wireless communication device capable of transmitting and receiving predetermined data.

For example, the first client 110 or the second client 120 may be a cellular phone, a PCS (Personal Communications Services) phone, a synchronous / asynchronous (PDA), a smart phone, a WAP phone (Wireless), and the like, as well as a mobile terminal such as an IMT-2000 (International Mobile Telecommunication-2000) an application protocol phone, a mobile game terminal, or the like, and a user interface for accessing the server 200, such as a mobile game terminal.

The first user 10 may transmit the information about the spot itself or the spot to the kipping fund server 200 through the first client 110. [ The first user 10 may be any person who has a demand for cashing in-kind cash, and the spot is of a type capable of setting the amount. The first user 10 accesses the keeper fund server 200 and inputs his / her information and information on the spot, provides a spot in a physical area managed by the kipping fund server 200, On the side, the spot can be placed during the secured loan period.

The keeper fund server 200 may include a database for storing and managing data received from the first and second clients 110 and 120 and may include information about the in-kind, information about the user, information about the investor, And various data such as information related to funding in progress can be stored and managed. The database may be a physical / logical space capable of storing predetermined data, and may be a component included in the keeper fund server 200 and may be provided separately from the keeper fund server 200, And may be configured to be able to transmit and receive data.

The funding server 200 may include a spot management unit 210, an investment management unit 220, a remote evaluation unit 230, a product monitoring unit 240, and a redemption management unit 250.

The spot management unit 210 manages the information about the spot and the user received from the first client 110 providing the spot, and manages the evaluation information on the spot based on the information. The evaluation information may include an evaluation amount of the spot, a collateral value, basic information about the spot, and the like.

The spot management unit 210 can manage the spot by electronically interlocking with a physical space, for example, a warehouse or the like. At this time, the spot is attached with identification information such as barcode, RFID, QR code, Lt; / RTI > The investor 20 may directly visit the warehouse or the like and read the identification information through the second client 120 or a separate device to receive the evaluation information. The second client 120 reads the identification information, Information may be received. That is, the investor 20 can directly visit the warehouse to identify the state of the spot, etc., and can receive additional information by tagging or reading the identification information of the spot. The second client 120 can confirm the identification information and / or the funding information on the online page provided by the spot management unit 210, in addition to the identification information of the spot.

The investment management unit 220 can provide the evaluation information generated by the spot management unit 210 to the second client 120 of the investor 20 and can manage a plurality of online virtual accounts 300 for the spot .

The investment management unit 220 may generate funding information corresponding to the spot, and the funding information may be information on funding-related progress such as how much the investment has been made in relation to the evaluation of the spot.

When it is determined whether or not the crowned fund proceeds to the in-kind funding server 200, the investment management unit 220 generates a plurality of virtual accounts based on the in-kind evaluation information, .

For example, if the appraisal value of a spot funded by crowdfunding is 10 million won and the fund setting rate is 70%, a virtual account for 7 million won is created. The number of virtual accounts and the amount of each virtual account can be set by the user 10 who has placed the spot. When a user creates 10 accounts, ten 700,000 virtual accounts are created, and investors can inquire information about the spot online and decide whether to invest in the spot. The first client (investor) can purchase one or more online virtual accounts.

The first client 110, which is a user of the spot, can receive an evaluation fee from the investment management unit 220 of the kipping fund server 200 according to the evaluation information of the spot at the start or completion of crowdfunding. For example, if crowd funding is completed and the virtual account for the total amount of 7 million won in the above example is sold for all 10 accounts, the first client 110 can complete the secured loan for 7 million won.

In some other embodiments, the keeper fund server 200 can receive information about an article being placed in an offline store, for example, in a pawn shop or the like, in association with information on an article placed in an existing pawn shop. That is, an offline marketplace, for example, an individual pawn shop may be set up as a user 10 or may act as an intermediary for brokering a user 10, and an account that can access the kipping fund server 200 as a pawn shop name . This corporate account is also the same online crowdfunding system as ordinary user accounts, and it can carry out mortgage loans for a certain percentage of the estimated value of the spot. Specifically, the information on the in-store held in the pawn shop is uploaded to the safekeeping fund server 200 with the company account of the pawn shop name, the evaluation information and the funding information requested by the pawn shop are generated, and the online crowdfunding is performed from the investor . When the target amount of the evaluation amount is achieved, a predetermined evaluation fee can be delivered to the pawnbroker account by the kipping fund server 200. The corporate account can place a large number of in-kind funds at the same time as an ordinary user account, and at the same time, online funding for a plurality of in-kind funds can be performed. In this case, a crowd funding may be performed by setting up a virtual account based on the total amount of the plurality of spot values combined by setting a plurality of spot groups as a group at the same time. Hereinafter, the remaining contents will be described based on the general user account, but the company account can be funded through the same process, and redundant description will be omitted.

When the secured loan to the personal property of the crowd funding method is completed in this way, the first client 110 pays interest on the evaluation fee (loan) every predetermined period, and the second client 120 similarly pays the interest You will receive the proceeds from.

In some other embodiments, the first client 110 may generate an image of the spot through an image capture device or the like to ascertain the progress of crowdfunding and the preliminary evaluation of the spot, To the server (200).

The remote evaluation unit 230 can receive the image information and generate preliminary evaluation information about the in-kind based on the image information. In this process, the remote evaluating unit 230 may transmit the image information to the product evaluating unit 240, and the product evaluating unit 240 may analyze the image information and transmit the product information on the product to the remote evaluating unit 230 .

The product verifying unit 240 analyzes the appearance of the image information to determine the product type of the product, receives reference product image information and price information from an external server (not shown) based on the product type, and generates product information .

3 and 4, a diagram for explaining a funding structure of an online funding system according to an embodiment of the present invention is shown. The crowned funding system of the virtual account method is a system in which investors second and third users 20 and 30 access the keeper fund server 200 through the second and third clients 120 and 130 to obtain evaluation information And receiving funding information.

3, the users 20 and 30 participating in crowdfunding purchase at least one account for a plurality of virtual accounts 310, 320, 330, 340 and 350 (hereinafter 300) for the first spot So that the investment can proceed. Each user 20, 30 can purchase a plurality of virtual accounts 300. Information on the purchased virtual account 300 is reflected in real time on the Kinking Fund server 200 through online, and other investors can inquire about the funding situation for the first spot.

As shown in FIG. 4, the users 20 and 30 participating in crowd funding can invest one or more accounts for each of the plurality of virtual accounts 300 for the first spot and the second spot, respectively . For example, the first investor 20 may invest in the first in-kind by buying the first virtual account 310 in the funding going on for the first in-kind through the second client 120, The fourth virtual account 340 can be purchased from the funding proceeding for the spot to invest in the second spot. Likewise, the second investor 30 can invest in the first in-kind by buying the second and third virtual accounts 320, 330 in the funding going on for the first in-kind through the third client 130 , The fifth virtual account 350 may be purchased from the funding proceeding for the second spot to invest in the second spot. The first spot and the second spot may be objects provided by different users, and the evaluation fee and the funding amount may be different depending on each evaluation information.

5 and 6, a diagram for explaining a collection structure of an online funding system according to an embodiment of the present invention is shown.

The kipping fund server 200 may further include a redemption management unit 250. The redemption management unit 250 can manage the reimbursement for the evaluation fee. The reimbursement management unit 250 receives the reimbursement money obtained by summing the principal and interest of the predetermined time difference from the first client 110 on-line, and manages the payment of the reimbursement amount and the reimbursement information.

Referring to FIG. 5, the reimbursement management unit 250 of the keeper fund server 200 may receive information on the redemption payment from the first client 110. The repayment payment may be determined in terms of time and amount depending on the type of mortgage loan used by the user 10. When the reimbursement money and the full payment information for the interest interest are received at the keeper fund server 200, the in-kind money may be returned to the user 10 of the first client 110.

6, when the redemption management unit 250 detects the payment information of the redemption money, the second-hand marketing server 400 receives the evaluation information about the spot from the spot management unit 210 of the kipping fund server 200 .

The pre-sale server 400 generates the sales information for the in-kind, and the pre-sale server 400 provides the information of the object of sale to the other clients 140 and 150 that have access to the sales information, 150 purchases the to-be-traded spot, the used-trade server 400 may generate the transaction cost information and the settlement information for the spot and provide it to the kipping fund server 200 again.

The pre-sale server 400 can transfer the settlement information to the reimbursement management unit 250 to correct the payment of the reimbursement amount and the company information based on the settlement information, and the sale proceeds of the in- If it is greater than gold, the payment money may be sent from the kipping fund server 200 to the first client 110.

In other words, when the delay in repayment of interest such as interest occurs for a predetermined period or more, for example, three consecutive sessions or more, the evaluation information on the spot may be transmitted to the used trading server 400 according to the set value of the safekeeping fund server 200 have. Like the keeper fund server 200, the used-trade server 400 provides a platform for a plurality of clients to access online, and can support online commerce.

When the pre-sale server 400 receives the information of the spot to be traded, it may sell the pre-sale money in accordance with the type of the spot or dispose of it through the bid method. Information on the cost of financing the reimbursement with the disposed amount can be transmitted to the first client 110.

In this case, when delinquency occurs for a certain period of time, it is possible to increase the recovery rate of the investment money and protect the small investor participating in crowd funding by cashing the information of the in-kind spotted or automatically placed on the online commerce platform.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

10, 20, 30, 40, 50: User
110, 120, 130, 140, 150: Client
200: Keeping funding server
300: virtual account
400: Used trading server

Claims (5)

A spot management unit for managing evaluation information on the spot provided from the first client; And
And an investment management unit for providing the evaluation information to a second client different from the first client and managing a plurality of online virtual accounts for the spot,
The investment management unit generates funding information corresponding to the spot,
Wherein the first client or the second client receives the funding information,
The second client purchases one or more of the online virtual accounts,
And the first client receives an evaluation fee according to the evaluation information from the investment management unit. The method according to claim 1,
The spot is stored in the storage area with the identification information attached thereto,
The second client reads the identification information and receives the evaluation information,
And the second client reads the identification information and receives the funding information. The method according to claim 1,
A remote evaluation unit for receiving the image information on the spot received from the first client and generating the evaluation information for the spot based on the image information; And
Further comprising a product evaluation unit for analyzing the image information and transmitting product information on the spot to the remote evaluation unit,
Wherein the product evaluating unit analyzes the outline of the image information to determine a product type of the in-kind product, receives reference product image information from the outside on the basis of the product type, and generates the product information. The method according to claim 1,
Further comprising a reimbursement management unit for managing reimbursement for the evaluation fee,
Wherein the reimbursement management unit receives on-line reimbursement from the first client by summing a predetermined amount of difference-based principal and interest, and manages the pay-off and turnover information of the reimbursement money. 5. The method of claim 4,
Further comprising a used-trade server for receiving the evaluation information on the spot from the spot management unit when the redemption management unit detects the payment information of the redemption money,
The used-trade server generates trading information on the spot,
The pre-sale server receives the transaction cost information and the settlement information for the article from a third client accessing the transaction information,
The pre-sale server transmits the approval information to the reimbursement management unit, and corrects the payment of the reimbursement money and the company information based on the approval information.

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