KR20160120883A - Method for intermediating a reserved fund investment linked with merchandise and system for performing the same - Google Patents

Abstract

Disclosed are a method for mediating an accumulated money investment linked with a product and a system for performing the same, which can invest accumulated money generated according to the purchase of a product in a manufacturer of the corresponding product. The system for mediating an accumulated money investment linked with a product comprises: an investment-linked product management unit for acquiring internet shopping products including at least one investment-linked product and displaying the acquired internet shopping products in an investment-linked product list, according to the access of an internet user; a product-linked accumulated money management unit for displaying the detail information of the corresponding product and the investment reference information of accumulated money, according to the selection of a specific product by the internet user; and an accumulated money-linked investment execution unit for executing the investment of the accumulated money according to purchase in a company linked with the corresponding product, according to the purchase of the specific product by the internet user. Therefore, when the internet user wants to link the accumulated money with the investment, the internet user can execute the investment in the manufacturer of the corresponding purchase product, thereby easily executing the investment while reducing time and costs without an effort to acquire various investment reference information for investing the accumulated money.

Description

METHOD FOR INTERMEDIATING A RESERVED FUND INVESTMENT LINKED WITH MERCHANDISE AND SYSTEM FOR PERFORMING THE SAME

More particularly, the present invention relates to a method and a system for investing in a product-linked reserve fund, which invests funds to be invested in a manufacturer of a commodity, .

Internet shopping malls are often called the nucleus of commerce. This is because Internet shopping mall is the realization of the core of Internet commerce. The advantages of Internet commerce are, above all, that customers can buy and sell goods and services without the need for sellers or time constraints. Spatial constraints are also meaningless, the mid-circulation process almost disappears, and the cost of renting and purchasing physical space, such as the point of sale, is also reduced, allowing end-users to purchase goods at a lower cost than the real world. As an enterprise, you will also have the opportunity to open up new business opportunities because you will be able to generate a much higher direct profit than any other form of Internet commerce through an Internet shopping mall.

1 is a conceptual diagram for explaining an example of a product information providing method of a general Internet shopping mall.

As can be seen from Fig. 1, purchase information is provided on the product purchase page in the Internet shopping mall. The Internet user accesses the Internet shopping mall and receives commodity purchase information web pages including basic photograph information, price information, specification, and product description from the Internet shopping mall.

The Internet user, after reviewing the product description and the price on the received product purchase information web pages, purchases the product using the payment system and the security system of the Internet shopping mall.

On the other hand, credit cards, refineries, airlines, department store cards, and the like, which are provided on-line in a shopping mall, a portal service, an airline, a travel agency or the like, Cyber money or mileage.

Such reserves are provided as cashable values, and because the amount of the refund is usually very small, the above values can be made cash only when the amount exceeds the reference value.

On the other hand, the conventional way of attracting investment is to know how to issue securities or bonds. However, SMEs and venture firms are not able to use these investment inducement methods. Therefore, it is common to receive high interest from banks and borrow money, or mobilize people to attract investment personally. It is difficult for small and medium-sized companies to issue securities or bonds because the investor does not want to invest in the market because there is almost no channel for investors to disclose important information such as financial information of the company itself.

Since ordinary investors do not have a professional means to analyze or acquire corporate financial information, they prefer to invest in a 'fund' that invests in specialized companies to invest directly in stocks or bonds. A fund is an investment method in which funds invested by an investor are invested and managed in stocks and bonds by the asset management company, and the result is returned. In other words, investors do not choose stocks or bonds directly but invest in a professional asset management company. Funds are based on funds collected from multiple investors rather than individual funds. Therefore, investors do not need to spend money for investment, they can invest in small amount, and they provide the merit that investors can easily invest in investment management instead of direct management.

In an online system such as the Internet web system that has been developed in recent years, there is an advantage in that it can quickly and easily recruit a small amount of funds from a large number of individuals as compared with offline. As a result, funds have been created in the form of cyber money that can convert directly derived cash out of a very small amount of transactions, such as points and mileage, due to settlement of credit cards, etc., Business models are also being proposed. For example, in Korean Patent Registration No. 10-0358487, "Fund Back System", a technique of transferring points accumulated for each user to a fund company, a fund company performing financial tech- nique on the basis thereof, KOKAI Publication No. 2002-0094402 entitled " Investment agent system and method using points "discloses a technique for performing investment processing using points to correspond to a selection of investment type by a subscriber.

However, because the investment agent system through these funds is still linked to a form of investment such as stocks or bonds, it does not go beyond the investment type that does not involve stocks or bonds but is still relevant to SMEs or venture companies that need funds. I can not. This is due to the fundamental problem of the disproportionate distribution of investment information that the business analysis and evaluation of investment-related information and these investment-related information is concentrated in some professional fields and is not open to general investors.

On the other hand, investing reserves such as points, cyber money, and mileage is not only a result of low expected profit, recovery function uncertainty, poor acquisition of reference information for investment, but also investment reference activity It is difficult to let.

Because the reserve is small, the expected profit for the investment is small and the expected profit is small. Therefore, it is difficult to expect that the reserve investor will search the investment reference information intentionally. Therefore, it is not appropriate to list investment inducement companies on the premise of acquiring active investment reference information of investors, and then provide basic information about the companies and provide examination and evaluation opinions by experts.

Since the expected profit from small investment is small, the cost of generating investment reference information should be small. Examination, evaluation, and holding of investment induction seminar, which is a typical investment inducement method, are not suitable for small investment using reserve funds because the cost of generating information is excessive.

Korean Registered Patent No. 10-1179543 (Name: Investment Mediation Platform System for Small Direct Investment) (Registered on Aug. 29, 2012) Korean Registered Patent No. 10-0358487 (Name: Fund Back System) (registered on October 14, 2002) Korean Registered Patent No. 10-0860119 (Name: Point Fund System) (registered on September 09, 2008) Korean Patent Publication No. 2010-0010024 (Title: Method and system for investing or donating culture art using points) (2010.01.29 released) Korean Patent Publication No. 2000-0058919 (Name: Mileage point investment management system using the Internet) (Published on October 10, 2000)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide an angel investment And to provide an intermediation method for investment trusts linked to commodities in order to invest the investment funds to be invested in the companies associated with the products.

Another object of the present invention is to provide a commodity-linked reserve fund mediating system for performing the above-mentioned commodity-linked reserve fund mediating method.

In order to realize the object of the present invention described above, the merchandise linked reserve investment mediation method according to one embodiment includes: (i) acquiring an Internet shopping product including one or more investment linked products, Displaying on a list; (ii) displaying investment reference information of the detailed information of the product and the reserve as the Internet user selects the specific product; And (iii) when the Internet user purchases a specific commodity, enforcing the investment in the company associated with the commodity with the reserve due to purchase.

In one embodiment, step (ii) comprises the steps of: (ii-1) displaying product purchase information; (ii-1) acquiring and displaying investment decision information as the reserve investment possible is selected; (ii-1) acquiring and displaying sales status information; And (ii-1) acquiring and displaying cumulative reserve information corresponding to the vendor as the cumulative reserve display is requested after the vendor can not invest the reserve investment or display the sales status information .

In one embodiment, step (iii) comprises: (iii-1) calculating a reserve for purchases; (iii-2) checking whether a reserve investment execution is requested to the vendor; (iii-3) checking whether the execution of the reserve investment is requested in step (iii-2); (iii-4) If the escrow setting is checked, transfer the reserve to the escrow account, and if the escrow setting is not checked, transfer to the account of the company; (iii-5) storing investment history information of the reserve; And (iii-6) notifying the vendor of the reserve investor information.

In one embodiment, step (iii) comprises: accumulating the reserve if the reserve investment execution is not requested in step (iii-7) (iii-2); (iii-8) checking whether cumulative reserve checking of internet users is requested; (iii-9) if it is checked in step (iii-8) that the cumulative reserve check is requested, displaying the cumulative reserve of the internet users; (iii-10) checking whether the cumulative reserve investment is executed or not; And (iii-11) step (iii-10), the step of feeding back to step (iii-3) if it is checked that the cumulative reserve investment execution is checked.

In one embodiment, the investment reference information of the reserve may include investment decision information and sales situation information. Herein, the investment decision information includes an investment inducement amount and conditions, an accumulation condition for collecting the investment money, and a statement of duty, and the sales status information may include sales amount, sales amount, and time-based trend information for each product unit.

In one embodiment, the vendor associated with the merchandise may be either the manufacturer who manufactured the merchandise or the distributor delivering the merchandise.

In one embodiment, the merchandise linked reserve investment mediation method may further include the step of (iv) providing the investment history providing service of the member as requested to provide the investment history.

In one embodiment, step (iv) comprises the steps of: (iv-1) extracting reserve investment detail information of an internet user; (iv-2) displaying the investment details of the reserve; (iv-3) acquiring and displaying the accumulation status of the redemption reserve when the status reserve of the specific company is selected; (iv-4) displaying a dialogue between the company and the reserve investor when a dialog with the vendor is selected; And (iv-5) displaying the timing and distribution of the investment as the disclosure of the specific company is selected.

In one embodiment, the merchandise linked reserve investment mediation method may further comprise: (v) allocating an investment profit as the payback conditions are satisfied.

In one embodiment, step (v) comprises: (v-1) requesting and receiving an investment profit from the business; (v-2) inquiring the Internet user about the method of receiving the investment result; (v-3) when the Internet user selects the cash receiving method, transferring the investment result to the account of the Internet user; (v-4) when the Internet user selects cumulative processing, accumulating the investment result in the reserve of the internet users; And (v-5) donating an investment result if the Internet user selects donation.

In order to realize the other object of the present invention as described above, the merchandise linked reserve investment mediation system according to an embodiment acquires an Internet shopping product including one or more investment linked products as an Internet user connects to the investment linked merchandise list An investment linked product management department to display; A product linkage reserve management unit for displaying investment reference information of the detailed information of the product and the reserve as the Internet user selects the specific product; And an investment executive linked with reserves to execute an investment in a company associated with the product, in accordance with purchase of a specific product by an Internet user.

In one embodiment, the merchandise-linked reserve management unit includes an operation of displaying merchandise purchase information, an operation of acquiring and displaying investment determination information in accordance with the selection of reserve investment possible, an operation of acquiring and displaying the sales status information, The user can perform the operation of acquiring and displaying the accumulated reserve information corresponding to the corresponding company as the accumulation reserve investment is not selected or the display of the sales status information is requested by the company.

In one embodiment, the reserve fund linked investment executive unit may be configured to calculate the reserve fund for the purchase, to transfer the reserve fund to the escrow account or to transfer the reserve fund to the company's account according to whether the escrow is set up An operation of storing the investment history information of the reserve, and an operation of notifying the company of the reserve investor information.

In one embodiment, the reserve fund linked investment executive unit may be configured to perform cumulative processing of the reserve if the reserve investment execution is not requested, and to display the cumulative reserve of the Internet users when it is checked that the cumulative reserve of the internet users is requested to be checked An operation of transferring the accumulated deposit to the escrow account or transferring the accumulated deposit to the account of the company according to whether the escrow is set or not, storing the accumulated deposit investment history information, The investor information can be notified to the vendor.

In one embodiment, the merchandise linked reserve investment mediation system may further include an investment history management unit for providing a service for providing the investment history of the member in response to the request for providing the investment history.

In one embodiment, the investment history management unit includes: an operation of extracting and displaying information on the reserve investment details of the Internet user; an operation of acquiring and displaying the accumulation status of the reserve fund when the status reserve of the specific company is selected; An operation of setting a dialog channel by displaying a dialogue box between the company and the reserve fund investor when the conversation of the specific company is selected and an operation of displaying the time and the method of allocating the investment according to the selection of the disclosure of the specific company.

In one embodiment, the merchandise linked reserve investment mediation system may further include an investment profit management unit that allocates an investment profit as the payback conditions are satisfied.

In one embodiment, the investment profit management unit includes: an operation of requesting and receiving an investment profit from a business entity; an inquiry about an investment result receipt method to an internet user; To the account of the Internet user; an operation of accumulating the investment result to the reserve of the internet user when the Internet user selects the accumulation process; and an operation of accumulating the investment result Can be performed.

According to this commodity-linked reserve investment brokerage method and system, when an internet user wants to connect his reserve to an investment, he executes investment in a manufacturing company of the purchased commodity so as to obtain various investment reference information Because effort is unnecessary, investment can be facilitated while reducing time cost. The company can reduce the burden on the debts because the reserve fund can be provided from the buyer through the investment, so that the reserve fund is converted from the debt state to the investment state. In addition, since the buyer is connected to the reserve investor, the number of consumers who see the product produced by the company more favorably can be increased, thereby linking the sales increase.

1 is a conceptual diagram for explaining an example of a product information providing method of a general Internet shopping mall.
FIG. 2 is a block diagram for explaining a goods-linked reserve fund mediation system according to an embodiment of the present invention.
FIG. 3 is a block diagram for explaining a goods information providing server shown in FIG. 2. FIG.
FIG. 4 is a flowchart illustrating a method for mediating a product linked reserve investment according to an embodiment of the present invention.
5 is a user screen for explaining an example of an investment linked product list displayed on an Internet shopping mall site according to an embodiment of the present invention.
FIG. 6 is a flowchart for explaining steps of providing detailed information of the goods and investment reference information of the reserve shown in FIG.
FIG. 7 is a screen for explaining the sales status information, the angel investment progress status information, and the reserve plan information for the investment amount reimbursement displayed on the Internet shopping mall site according to an embodiment of the present invention.
FIG. 8 is a flow chart for explaining a step of investing the reserve fund according to the purchase shown in FIG.
FIG. 9 is a flowchart for explaining a step of providing the investment history providing service of the corresponding member shown in FIG.
FIG. 10 is a user screen for explaining an example of membership deposit investment detail information displayed on an Internet shopping mall site according to an embodiment of the present invention.
FIG. 11 is a user screen for explaining an example of reserve investment detail information displayed in response to a click of a view button corresponding to the company A in FIG.
12 is a flowchart for explaining a step of allocating the investment profit shown in FIG.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in more detail with reference to the accompanying drawings. The present invention is capable of various modifications and various forms, and specific embodiments are illustrated in the drawings and described in detail in the text. It should be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. The singular expressions include plural expressions unless the context clearly dictates otherwise.

In this application, the terms "comprises", "having", and the like are used to specify that a feature, a number, a step, an operation, an element, a part or a combination thereof is described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

Also, unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with 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 numbers refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowchart may be performed by computer program instructions. These computer program instructions may be loaded into a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus so that the instructions, which may be executed by a processor of a computer or other programmable data processing apparatus, And means for performing the functions described in each step are created. These computer program instructions may also be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement the functionality in a particular manner so that the computer usable or computer readable memory It is also possible for the instructions stored in the block diagram to produce a manufacturing item containing instruction means for performing the functions described in each block or flowchart of the block diagram. Computer program instructions may also be stored on a computer or other programmable data processing equipment so that a series of operating steps may be performed on a computer or other programmable data processing equipment to create a computer- It is also possible that the instructions that perform the processing equipment provide the steps for executing the functions described in each block of the block diagram and at each step of the flowchart.

Also, each block or each step may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially concurrently, or the blocks or steps may sometimes be performed in reverse order according to the corresponding function.

FIG. 2 is a block diagram for explaining a goods-linked reserve fund mediation system according to an embodiment of the present invention.

Referring to FIG. 2, an Internet user accesses an Internet shopping mall operated by the shopping mall management server 200 via the Internet accessable device 100 to search for and compare items, Purchase. At this time, reserves may be generated according to the purchase of the goods, and the accumulated reserves can be invested in real time or accumulated, so that the investment can be made later.

The company server 400 is a server operated by a company that manufactures or distributes goods and stores various kinds of information such as purchase information for the goods, such as basic photo information, price information, specification, and product description, 200). In this embodiment, the vendor server 400 provides the investment reference information of the deposit, which is generated in accordance with the purchase of the product, as well as the detailed information of the product, to the deposit investment mediating server 300. In addition, the vendor server 400 provides the deposit investment mediating server 300 with sales status information on the goods, cumulative reserve information of the vendor, and the like.

The deposit investment mediation server 300 And plays a role of connecting investment funds generated by the purchase of goods at the Internet shopping mall. For this, the deposit investment mediating server 300 is operated in connection with the shopping mall management server 200 operating the Internet shopping mall so that it is unnecessary to obtain investment reference information. In other words, the deposit investment mediating server 300 invests a reserve fund generated by an Internet user visiting the Internet shopping mall through the Internet accessable device 100 and purchasing a specific commodity, . The deposit investment mediating server 300 will be described in detail with reference to FIG.

Although a single shopping mall management server 200 and one deposit investment mediating server 300 are connected to each other in the present embodiment, a plurality of shopping mall management servers 200 may be installed in one deposit investment mediating server 300 And may be connected and operated.

The bank server 500 performs the account transfer in such a manner that the money is transferred to the account of the reserve fund investor as the investment profit to which the investment recovery condition is satisfied is distributed from the deposit investment mediating server 300. [

FIG. 3 is a block diagram for explaining a goods linked reserve investment mediation system shown in FIG. 2. FIG.

2 and 3, the merchandise linked reserve investment mediating system according to an embodiment of the present invention includes a database server 310 and a service for performing various mediated reserve investment mediation operations in association with the database server 310 And a server 320. In the present embodiment, the merchandise-linked reserve investment mediating system has been described as being composed of the database server 310 and the service server 320, but this is logically divided for the sake of convenience of explanation, but is not classified by hardware.

The database server 310 includes a member information DB 311 for storing various member information such as a member ID and a password, various company information such as company code, company address, contact information of the company, cumulative reserve information of the company, A merchandise information DB 313 for storing various merchandise information such as basic photo information about merchandise produced or sold for each company, price information, product specifications, product descriptions, and the like, And a deposit investment history information DB 314 for storing history information. The database server 310 includes the member information DB 311, the company information DB 312, the product information DB 313, and the reserve investment history information DB 314. However, But not hardware.

The service server 320 includes a member authentication unit 321, an investment-desired company inducement unit 322, an investment linked product management unit 323, a product linked reserve management unit 324, a reserve fund linked investment executive unit 325, 326, and an investment profit management unit 327, and performs various commodity linked reserve investment mediating operations. Here, the service server 320 includes a member authentication unit 321, an investment-desired company inducement unit 322, an investment linked product management unit 323, a product linked reserve management unit 324, a linked investment management unit 325, 326 and an investment profit management unit 327. However, this is logically divided for convenience of explanation, but is not classified by hardware.

The member authenticating unit 321 authenticates the Internet user based on the member information DB 311. [ For example, an Internet user can be authenticated by entering his or her ID and password through the Internet.

The investment-inducing company inducement unit 322 converts a reserve fund generated by the purchase of the product into investment funds to promote the purchaser to the status of the investor and attracts a company authorized to distribute the investment profit to the reserve investor. Can be performed. The above-described series of operations may be an operation of periodically sending an e-mail message containing a description of the deposit-linked investment or the like.

The investment linked product management unit 323 acquires an Internet shopping product including one or more investment linked products and displays it on the list of investment linked products as an Internet user connects.

The commodity-linked reserve management unit 324 displays detailed information of the commodity and investment reference information of the reserve as an Internet user selects a specific commodity. For example, the goods-linked reserve management unit 324 displays the goods purchase information and can acquire and display the investment decision information as the reserve investment possible is selected. In addition, the merchandise-linked reserve management unit 324 acquires and displays the sales status information, displays the sales status information after the reserve investment investment is not selected, or displays the cumulative reserve amount of the company, It is possible to acquire and display the accumulated reserve information.

As the Internet user purchases a specific commodity, the reserve fund linked investment enforcement unit 325 executes an investment to a company linked to the commodity with the reserve based on the purchase. For example, the reserve fund linked investment enforcement unit 325 may operate to calculate the reserve for purchases, and when the investor requests the execution of the reserve fund investment, the reserve fund investment executor 325 may transfer the reserve to the escrow account The operation of transferring the reserve, the operation of storing the reserve investment history information, and the operation of notifying the company of the reserve investor information and the invested reserve. A consumer who purchases a product through such a method can make an investment in a company that manufactures or distributes the product at the same time as purchasing the product. The setting of the escrow may be made either by the operator operating the product linked deposit investment mediation system or by the manipulation of the investor. The above-mentioned escrow is a concept that is set as a safeguard against the possibility that the investor can not recover the investment due to the bankruptcy of the company after the reserve fund is invested in the specific company.

If the reserve investment execution unit 325 does not request the execution of the reserve investment and accumulatively processes the reserve and checks that the cumulative reserve of the internet users is requested, the operation of displaying the accumulated reserve of the Internet users The operation of transferring the cumulative reserve money to the escrow account or transferring the cumulative reserve money to the account of the company according to whether the escrow is set up or not, the operation of storing the cumulative reserve investment history information, It is possible to perform an operation of notifying the information to the vendor. Consumers who purchase goods through such a method accumulate the accumulated reserves generated by the purchase of the product, and then invest the accumulation accumulated in the companies that the consumer desires, for example, the company with the largest investment profit.

The investment history management unit 326 provides the investment history providing service of the member in response to the request for providing the investment history. For example, the investment history management unit 326 extracts and displays the investment details of the investment funds of the internet users, and when the investment reserve of the specific company is selected, it can acquire and display the accumulated investment funds. When the dialog with the business is selected, the investment history management unit 326 displays a dialog box between the business owner and the reserve investor to set a dialog channel, and displays the timing and distribution method of the investment according to the selection of the announcement of the specific company have.

The investment profit management unit 327 allocates the investment profit as the investment recovery condition is satisfied. For example, the investment profit management unit 327 requests and receives an investment profit from a company, inquires of an internet user about an investment result receipt method, and when an internet user selects a cash receipt system, You can process transfers to your account. The investment profit management unit 327 can cumulatively process the investment result in the reserve of the Internet users when the Internet user selects the cumulative processing. The investment profit management unit 327 can donate the investment result if the Internet user selects donation.

FIG. 4 is a flowchart illustrating a method for mediating a product linked reserve investment according to an embodiment of the present invention.

Referring to FIG. 4, an investment linked product list is displayed (step S100). The list of investment linked products may be made by the investment linked product management unit 323 (shown in FIG. 3).

5 is a user screen for explaining an example of an investment linked product list displayed on an Internet shopping mall site according to an embodiment of the present invention.

Referring to FIG. 5, a button for selecting detailed information of a product and a button for selecting investment reference information are displayed along with an image or a photograph of the investment linked product in the investment linked product list. An Internet user who wants to purchase a product clicks a button for selecting detailed information of a specific product, and confirms information such as basic photo information, price information, specification, and product description of the corresponding product. In addition, an Internet user who wants to purchase a product clicks a button for selecting investment reference information of a specific product, and confirms the information obtained after the investment when investing the reserve, which is generated at the time of purchase of the corresponding product, in the corresponding company.

It is returned to the description of FIG. 4, and it is checked whether or not a specific product is selected by the Internet user (step S200).

If it is determined in step S200 that the specific product is not selected, the flow returns to step S100. If it is checked in step S200 that the specific product is selected, detailed information on the product and investment reference information of the reserve are provided to the computer of the Internet user ). For example, as shown in FIG. 5, a customer can select detailed information of a product to check detailed information of the product, or select investment reference information to check information for investing a reserve of the product .

After performing step S300, it is checked whether or not the product is purchased (step S400). The purchase of a commodity can be operated in the same manner as a series of processes for purchasing a commodity at a general Internet shopping mall.

If it is checked in step S400 that the corresponding product is purchased, an operation of investing the deposit according to the purchase in the corresponding company is performed (step S500).

After it is checked in step S400 that the corresponding product is not purchased or step S500 is performed, it is checked whether or not the provision of the investment history is requested (step S600).

If it is checked in step S600 that the provision of the investment history is requested, a service for providing the investment details of the member is performed (step S700).

After it is checked in step S600 that the provision of the investment history is not requested or after step S700, it is checked whether the investment return condition is satisfied (step S800).

If it is determined in step S800 that the investment recovery condition is not satisfied, the flow returns to step S100. If it is determined in step S800 that the investment recovery condition is satisfied, an operation of dividing investment profit is performed (step S900).

As described above, according to the present invention, when the investment of the reserve fund is provided in combination with the product fund purchase information, when the fund investment is clicked, the investment inducement amount and conditions, the accumulation condition for the return of the investment fund, And sales status information acquired from the Internet shopping mall is provided. Through this, the investor of the reserve can acquire the information necessary for investing with the cost of acquiring the information necessary for purchasing the product, and can invest the reserve.

Also, after the reserve investment has been attracted to individual products, it is provided by combining them in the enterprise unit. Since a company produces a large number of products, it accumulates funds for each product and performs angel investment for the company, and this process can be performed in an internet shopping mall. In order to carry out the angel investment with the acquisition cost of the purchase information for the product, it is possible to implement investment such that the investment of the reserve is targeted for the product, and the investment is combined with the enterprise. The conditions such as the investment goal and the period can be set in the individual product unit or the corporate unit combining them.

In addition, sales status information, which is automatically generated in an Internet shopping mall, is implemented in real time in connection with information required for investing in reserve funds. In other words, when the investor clicks on the reserve investment, basic investment decision information such as the investment inducement amount and conditions, the statement of duty for the company, and the sales status information acquired in the Internet shopping mall are provided. The sales status information is provided for each product unit and company unit sold by the company in the Internet shopping mall. The information that can be automatically generated in the internet shopping mall such as the sales amount, the sales amount, .

In addition, since a system for separately collecting a part of the sales amount for repayment of investment in the sale of goods by an investment-inducing enterprise may be established from a certain time after the investment, the accumulated amount may be disclosed in real time, And can be utilized as investment decision information. In other words, it helps to redeem the investment amount of companies that want to attract investment, and makes it possible to pre-determine the aim, timing and method of accumulating the investment for the purpose of attracting investment. Through the program, the reserve can be released in real time, so that a publicity function for the reserve investment can be performed.

In addition, the corporate side can utilize the reserve investors as an evaluation team for the products produced by the companies, thereby generating ancillary revenues. In other words, customer evaluation of goods is valuable information to the company, but in order to provide such information to the company, some kind of incentive is needed. The investment made by the reserve is a valuable evaluation for the company, and at the same time, the consumer who invests in the reserve is highly interested in the growth of the invested company and is likely to pass the evaluation of the product. Therefore, it can be utilized as a large number of customer groups providing evaluation information on products from the product development stage to the prototype evaluation against the reserve investor. In addition, the reserve investor can generate additional revenue by providing product evaluation information.

Considering this point, companies can form a more favorable consumer group through the merchandise-linked reserve investment mediation program according to the present invention as a marketing part.

FIG. 6 is a flowchart for explaining steps of providing detailed information of the goods and investment reference information of the reserve shown in FIG.

Referring to FIG. 6, product purchase information is displayed on a computer of an Internet user (step S310).

It is checked whether or not reserve investment possible is selected in the goods purchase information displayed in step S310 (step S320). The selection of the reserve fund investment can be made through a method of clicking an icon stipulated with the product purchase information. For example, only available product information may be displayed, or a separate icon may be displayed for selecting a reserve investment possibility near the available product information. If only available product information is displayed, it is possible to deal with a product that does not mediate an investment due to investment even if the product is purchased. On the other hand, the icons to be described with the product purchase information can be selected by the internet user by clicking the corresponding icon.

If it is checked in step S320 that the Internet user selects investment with reserve money, the investment decision information is obtained and the obtained investment decision information is displayed (step S330). In the present embodiment, the investment decision information may include an investment inducement amount and conditions, an accumulation condition for the return of the investment, and a statement of duty.

Next, the sales status information is obtained and the obtained sales status information is displayed on the computer of the Internet user (step S340).

In the present embodiment, the sales status information may include sales amount, sales amount, and time-based trend information for each product unit. Since the sales volume information according to the time trend is displayed for each product unit, the Internet user can judge whether or not the product will purchase the product based on the response in the market, have. Alternatively, the sales status information may include sales amount, sales amount, and time-based trend information for each business unit. Here, since the sales amount information according to the time trend is displayed for each business unit, the Internet user can judge whether or not to purchase the relevant product based on the response of the specific commodity to the market based on the sales amount of the similar commodity, We can judge the investment potential of the company.

In FIG. 6, step S330 of acquiring and displaying the investment decision information and step S340 of acquiring and displaying the sales status information are separately shown, but this may be performed for the sake of convenience of explanation and may be performed at the same time. In addition, after acquiring and displaying the sales status information, the investment decision information may be acquired and displayed.

FIG. 7 is a screen for explaining the sales status information, the angel investment progress status information, and the reserve plan information for the investment amount reimbursement displayed on the Internet shopping mall site according to an embodiment of the present invention.

Referring to FIG. 7, when an Internet user clicks a view button to view sales status information for company A, a button for selecting a sales amount / sales table and a button for selecting a sales trend graph may be displayed. Internet users can click on the button for selecting the sales volume / sales table for company A to check the information about company A and click the button for selecting the sales trend graph for company A, You can see the corresponding information on.

In addition, when the Internet user clicks the view button to view the progress of the angel investment for the company A, the information about the goal, the target period, the investment amount and the progress of the company A can be displayed.

Also, if the Internet user clicks the view button to view the reserve plan for repayment of investment in company A, information about the target amount for company A and the method of accumulating the company A may be displayed.

After returning to the description of FIG. 6, it is checked in step S320 that the reserve investment possibility is not selected or the step S340 is performed, it is checked whether a cumulative reserve display of the company is requested (step S350).

If it is determined in step S350 that the cumulative reserve display of the vendor is not requested, the flow returns to step S400. If it is checked in step S350 that the cumulative reserve display of the vendor is requested, the cumulative reserve information corresponding to the vendor is obtained (step S360).

Then, the accumulated deposit information obtained in step S360 is displayed, and then the flow returns to step S400 (step S370).

FIG. 8 is a flow chart for explaining a step of investing the reserve fund according to the purchase shown in FIG.

Referring to FIG. 8, a reserve for purchase of a specific commodity is calculated (step S510).

Then, it is checked whether or not the company is requested to execute the reserve fund investment (step S515).

If it is checked in step S515 that the company is requested to execute the reserve investment, it is checked whether or not the escrow is set (step S520). The setting of the escrow may be made either by the operator operating the product linked deposit investment mediation system or by the manipulation of the investor. The above-mentioned escrow is a concept that is set as a safeguard against the possibility that the investor can not recover the investment due to the bankruptcy of the company after the reserve fund is invested in the specific company.

If it is checked in step S520 that the escrow is set, the deposit is transferred to the escrow account (step S525).

Then, the deposit investment history information is stored (step S530), and the reserve investor information and the reserve are notified to the company (step S535), and then fed back to step S600.

If it is determined in step S520 that the escrow is not set, the deposit is transferred to the account on the company side (step S540), and step S530 is performed.

If it is determined in step S515 that the execution of the reserve investment is not requested by the vendor, the reserve is accumulated (step S550).

Next, it is checked whether or not the cumulative reserve check of the Internet users is requested (step S560).

If it is checked in step S560 that the cumulative reserve of the Internet users is requested, the cumulative reserve of the Internet users is inquired and the cumulative reserve is displayed (step S570).

In step S560, it is checked whether the cumulative reserve deposit confirmation of the Internet users is requested or after step S570 is performed, it is checked whether the cumulative reserve investment execution is requested to the vendor (step S580).

If it is checked in step S580 that the cumulative reserve investment execution is requested to the vendor, the accumulated deposit is fed back to the vendor by feedback to the step S520, but the cumulative reserve is executed in an escrow scheme or directly provided to the vendor .

If it is determined in step S580 that the cumulative reserve investment execution is not requested to the vendor, the flow returns to step S600.

FIG. 9 is a flowchart for explaining a step of providing the investment history providing service of the corresponding member shown in FIG.

Referring to FIG. 9, the investment details of the investment funds of the Internet users are extracted (step S710), and the details of the investment funds are displayed (step S720).

FIG. 10 is a user screen for explaining an example of membership deposit investment detail information displayed on an Internet shopping mall site according to an embodiment of the present invention.

Referring to FIG. 10, when the view button is clicked on the membership investment details of the member, the reserve information invested in correspondence with the company A, the reserve information invested corresponding to the company B, and the reserve information invested corresponding to the company C are displayed . For example, a member of Hong Kil-dong indicates that a deposit of 10,000 won was invested in a company A, a deposit of 20,000 won was invested in a company B, and a deposit of 15,000 won was invested in a company C.

When the view button is clicked to confirm the information corresponding to the specific company among the investment details of the investment fund, an icon for checking the cumulative state of the specific company's redeemable funds on the screen displaying the details of the fund investment, An icon for opening a dialogue channel between the investor and the reserve fund, and an icon for confirming the distribution timing and allocation method of the investment as a disclosure matter of a specific company. Internet users can click on specific icons to see more detailed information.

FIG. 11 is a user screen for explaining an example of reserve investment detail information displayed in response to a click of a view button corresponding to the company A in FIG.

11, an icon for confirming the accumulation status of the redemption reserve, an icon for establishing a conversation between the A company and the member, and an icon for confirming the investment related disclosure are displayed. If you click the view button on each icon, detailed information about each information is displayed. For example, if you click on the accumulated accumulation accumulation status icon, the target amount is 10 million won, the current reserve amount is 7,500,000 won, and the accumulation rate is 75%. Also, if you click the dialog icon between A company and its members, an icon will be displayed for opening a bulletin board to deliver the requests of the investor to the company A, and an icon for opening a bulletin board to deliver the requests of the company A to the reserve investors do. In addition, when you click on the investment related disclosure icon, you will be informed of the distribution timing and how to distribute it.

9, and it is checked whether or not the redemption reserve of the specific company is selected in the investment details shown in step S720 (step S730).

If it is checked in step S730 that the redemption reserve of the specific company is selected, the accumulated redemption accumulation status is obtained and the obtained information is displayed (step S740).

In step S730, if the reserve fund of the specific company is not selected or after step S740, whether or not the dialog with the vendor is selected is checked (step S750).

If it is checked in step S750 that the dialog with the vendor is selected, a dialog channel is established through a method of displaying a dialog between the vendor and the reserve investor (step S760). The above talk channel can be implemented through a bulletin board type or the like. For example, the above-mentioned conversation channel can be implemented by a bulletin board on which requested items requested by investors are posted, or a bulletin board on which requests for requests from investors to reserve funds are posted.

If the dialog with the vendor is not selected in step S750 or the step S760 is performed, it is checked whether the disclosure of the specific company is selected (step S770).

If it is checked in step S770 that the announcement of the specific vendor is not selected, the flow returns to step S800. On the other hand, if it is checked in step S770 that the announcement of the specific company is selected, the investment amount allocation timing and allocation method are displayed (step S780), and the flow returns to step S800.

12 is a flowchart for explaining a step of allocating the investment profit shown in FIG.

Referring to FIG. 12, an investment profit is requested and received from a vendor (step S910). The operation of requesting and receiving the above-mentioned investment profit can be performed by the investment profit management unit 327 (shown in FIG. 3).

Subsequently, the Internet user is inquired about the investment receipt method (step S920). The inquiry about the investment result gold receipt method may be performed by the investment profit management unit 327 (shown in FIG. 3).

Whether or not the internet user has selected cash receipt is checked (step S930).

If it is determined in step S930 that the Internet user has selected the cash receipt, the investment result is transferred to the account of the Internet user (step S940). The operation of transferring the investment result to the account of the internet user may be performed by the investment profit management unit 327 (shown in FIG. 3).

If it is determined in step S930 that the Internet user has not selected cash receipt, it is checked whether or not the Internet user has selected cumulative processing (step S950).

If it is determined in step S950 that the Internet user has selected cumulative processing, the investment result is cumulatively processed in the reserve of Internet users (step S960). The operation of accumulating the investment result in the reserve of the internet users may be performed by the investment profit management unit 327 (shown in FIG. 3).

If it is checked in step S950 that the Internet user has not selected the cumulative process, it is checked whether or not the Internet user has selected the donation process (step S970).

If it is determined in step S970 that the Internet user has not selected the donation process, the flow returns to step S920. If it is determined in step S970 that the donation process has been selected by the Internet user, the donation process is performed (step S980). The operation of donating the investment result money may be performed by the investment profit management unit 327 (shown in FIG. 3).

After performing step S980, the donation receipt is sent to the Internet user (step S990), and the process is terminated. The donation receipt may be sent to an Internet user in real time after the investment result is donated or may be sent to an Internet user at a specific time such as the end of the year.

As described above, the effects according to the present invention are summarized as follows.

First, from the viewpoint of investors, it is possible to minimize the information acquisition cost for angel investment. Generally, it is difficult for reserve holders to make efforts to acquire investment reference information in order to invest such a small amount of reserve investment because the expected profit is low. However, according to the present invention, the cost of acquiring investment reference information can be minimized by directly connecting the information acquisition cost for purchasing the product to the information acquisition cost for investment.

In addition, it is possible to utilize the information automatically generated in the Internet shopping mall to minimize the expenses related to the investment of the Internet shopping mall operator in order to generate the investment income for the small amount reserve investor. For example, assuming that a stock with a face value of 5,000 won is invested as a reserve, if the accumulation ratio is 1%, a purchase of 500,000 won will result in a reserve of 5,000 won. Therefore, it can be seen that the reserve investment has a characteristic of micro investment and the expected profit of the reserve investment is very small considering the low success probability of the angel investment. This low expected profit affects the behavior of the reserve investor, making it impossible to expect active acquisition of reference information for investment.

On the other hand, commodity purchasing activity is an activity based on actual necessity, and it takes an amount of 100 times (in case of 1% accumulation) of the reserve, so a lot of effort and time are spent on the commodity purchasing activity. In order to activate the reserve investment, it is necessary to acquire the reference information of the reserve investment only by the effort required for the purchase activity considering the characteristics of the product, and the reference information of the investment should be generated at the minimum cost when the expected profit is low. Therefore, it is difficult to utilize the general investment procedure such as the evaluation of experts, examination, submission of opinions, holding of investment attraction meetings as a high-cost procedure.

However, when combined with the operation of an Internet shopping mall, a strong investment reference information such as sales status information can be obtained at a low cost, which can replace a high cost general investment procedure. In addition, considering the small amount of the reserve, it is necessary to build a system that allows the investor to concentrate his / her own reserves in one place, and to convert the cash into reserve if necessary.

Second, it has the effect of evaluating and investing the company through the product. That is, the Internet shopping mall is a space for selling goods, and it is easy to acquire the sales status information of the goods, and the value of the corresponding company can be evaluated. According to the present invention, sales status information on a product produced by a company wishing to attract investment is provided and utilized as investment reference information in the reserve investment. The sales status information described above is powerful and final investment reference information for the company and can be easily generated at a low cost.

Third, it is possible to combine the investment of the reserve for the product into the enterprise. In other words, since a company produces a large number of products, it accumulates funds for each product and performs angel investment for the company, and can provide such a process in an Internet shopping mall. It is possible to supplement the problem of micro investment by collecting the reserve funds and concentrating investment in one place or by building a system to convert cash into reserve funds.

Fourth, there is an effect that combined investment information and investment reference information can be provided to the product purchase information. In other words, it is possible to provide the combined information of the reserve investment in the product purchase information, and when the deposit investment is clicked, basic investment decision information such as the investment inducement amount and condition, do.

Fifth, it is effective to provide information necessary for investing the reserve fund at a low cost, centering on information that can be automatically generated in the Internet shopping mall. In other words, when the investor clicks on the reserve investment, basic investment decision information such as an investment inducement amount and conditions, a statement of duty for the company, and sales status information acquired from the Internet shopping mall are provided.

In addition, the sales status information is provided for each product unit and business unit sold by a company in an Internet shopping mall, and information that can be automatically generated in the Internet shopping mall such as a sales amount, a sales amount, and a change with time elapses is provided.

In addition, the collective intelligence of a large number of investors can be utilized by providing the angel investment progress for the product unit and the enterprise unit. In addition, it can be used as information on investment by pre-determining the target, timing and method of accumulating the investment for the purpose of attracting investment.

Sixth, it is possible to build a system that combines the evaluation of products and the investment of companies. In other words, customer evaluation of goods is valuable information to the company, but in order to provide such information to the company, some kind of incentive is needed. Consumers investing in reserve funds are more likely to pass on the evaluation of products to their acquaintances because they are more interested in the growth of the invested company. Therefore, companies should utilize the reserve investor as a customer evaluation team from product development to prototype evaluation. .

Seventh, there is an effect that the procedure necessary for the recovery of the investment after the reserve investment can be performed. In other words, it is difficult to expect a small investor to carry out the cumbersome process of collecting the investment, so the operator of the Internet shopping mall takes charge of the return of the investment. After the investment, the management of the enterprise is continuously carried out, and the investment amount after the predetermined period is collected and distributed to the reserve investor.

Eighth, it has the effect of helping companies to repay their investment. In other words, the reserve fund investment is divided into bond type and securities type, and the investment is repaid by the corporate loan repayment and equity transaction (including repurchase of the company's treasury stock).

In addition, from a certain period after the investment period, a system for separately collecting a part of the sales amount for the repayment of investment in the sale of goods by the investment-inducing enterprise is constructed to help the enterprise to repay the investment amount and raise the investment return rate.

In addition, if you wish to attract investment, you will be notified of these conditions in advance and made available as investment reference information. For example, funds are collected in various ways for bonds and stakes secured by investment. A company that wishes to attract investment may, in principle, re-purchase it, but may sell it to the highest bidder, such as an auction.

Ninth, there is an effect to be able to specialize in investing in a company that sells goods, in order to run an internet shopping mall together with an angel investment. In other words, it is a time when funding is urgently needed for the enterprise even when it is time to make and sell the product as well as the establishment of the business. Considering the purpose and function of the Internet shopping mall that sells the product, To invest in companies that do business.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specifically designed and configured for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, medium, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code, such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be modified into one or more software modules for performing the processing according to the present invention, and vice versa.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. You will understand.

As described above, according to the present invention, since the reserve investor obtains the investment reference information in an effort to purchase the commodity, the time required for investment determination can be reduced. Also, it can reduce the burden on the investment return since it acts in the Internet shopping mall until the collection after investment. In addition, since it is possible to act as a product evaluation team, it can expect an additional profit.

In addition, companies that wish to attract investment funds can attract investments more easily, form a close relationship with customers, acquire evaluation information on products more easily, Can be performed.

100: Internet accessable device 200: shopping mall management server
300: deposit investment mediation server 310: database server
311: Member information DB 312: Supplier information DB
313: commodity information DB 314: reserve investment history information DB
320: service server 321: member authentication unit
322: Kindergarten 323: Investment-linked product management department
324: Merchandise reserve management 325: Investment management
326: Investment history management section 327: Investment profit management section
400: Business Server

Claims (17)

(i) acquiring an Internet shopping product including one or more investment-linked products and displaying the same on an investment-linked product list as an Internet user accesses;
(ii) displaying investment reference information of the detailed information of the product and the reserve as the Internet user selects the specific product; And
(iii) executing an investment in a company associated with the product, wherein the internet user accumulates a reserve for the purchase of a specific product, and executes the investment. The method of claim 1, wherein step (ii)
(ii-1) displaying goods purchase information;
(ii-1) acquiring and displaying investment decision information as the reserve investment possible is selected;
(ii-1) acquiring and displaying sales status information; And
(ii-1) acquiring and displaying cumulative reserve information corresponding to the company when the cumulative reserve fund is requested to be displayed after the company can not invest funds or display the sales status information, and A method of brokerage of investment trusts linked to commodities. The method of claim 1, wherein step (iii)
(iii-1) calculating a reserve for purchase;
(iii-2) checking whether a reserve investment execution is requested to the vendor;
(iii-3) checking whether the execution of the reserve investment is requested in step (iii-2);
(iii-4) If the escrow setting is checked, transfer the reserve to the escrow account, and if the escrow setting is not checked, transfer to the account of the company;
(iii-5) storing investment history information of the reserve; And
(iii-6) notifying the investor information of the reserve to the vendor. 4. The method of claim 3, wherein step (iii)
(iii-7) accumulating the reserve if the reserve investment execution is not requested in step (iii-2);
(iii-8) checking whether cumulative reserve checking of internet users is requested;
(iii-9) if it is checked in step (iii-8) that the cumulative reserve check is requested, displaying the cumulative reserve of the internet users;
(iii-10) checking whether the cumulative reserve investment is executed or not; And
(iii-11) further comprising the step of feeding back to the step (iii-3) if it is checked in step (iii-10) that the execution of the accumulated reserve investment. The method according to claim 1, wherein the investment reference information of the reserve includes investment decision information and sales status information,
The investment decision information includes an investment inducement amount and conditions, an accumulation condition for the return of investment money, and a statement of duty,
Wherein the sales status information includes sales amount, sales amount, and time-based trend information for each commodity unit. The method according to claim 1, further comprising the step of: (iv) providing an investment history providing service of the member in response to the request for providing the investment history. 7. The method of claim 6, wherein step (iv)
(iv-1) extracting investment fund details information of an Internet user;
(iv-2) displaying the investment details of the reserve;
(iv-3) acquiring and displaying the accumulation status of the redemption reserve when the status reserve of the specific company is selected;
(iv-4) displaying a dialogue between the company and the reserve investor when a dialog with the vendor is selected; And
(iv-5) a step of displaying a timing and a method of allocating an investment according to the disclosure of a specific company. The method according to claim 1, further comprising: (v) allocating an investment profit as the investment recovery condition is satisfied. 9. The method of claim 8, wherein step (v)
(v-1) requesting and receiving an investment profit from the business;
(v-2) inquiring the Internet user about the method of receiving the investment result;
(v-3) when the Internet user selects the cash receiving method, transferring the investment result to the account of the Internet user;
(v-4) when the Internet user selects cumulative processing, accumulating the investment result in the reserve of the internet users; And
(v-5) a donation of the investment result, if the internet user selects donation. An investment linked product management unit for acquiring an Internet shopping product including one or more investment linked products and displaying the same on an investment linked product list when an Internet user connects;
A product linkage reserve management unit for displaying investment reference information of the detailed information of the product and the reserve as the Internet user selects the specific product; And
A system for investing in a product-linked reserve investment, which includes an investment executive unit that reserves funds for purchasing a specific product and enforces investment in a company linked to the product. 11. The system according to claim 10, wherein the goods-
An operation of displaying merchandise purchase information,
An operation of acquiring and displaying investment decision information in accordance with the selection of reserve investment possible,
Acquiring and displaying the sales status information,
Wherein the operation of acquiring and displaying cumulative reserve information corresponding to the corresponding company is performed in response to the request for display of the cumulative reserve of the company after the absence of the reserve investment is selected or after displaying the sales status information, Intermediary system. 11. The investment management system according to claim 10,
An operation for calculating a reserve for purchase,
When a company is requested to execute a reserve fund investment, the operation of transferring the reserve money to the escrow account or transferring the reserve money to the company account according to the escrow setting,
Storing the investment history information of the reserve,
And notifies the investor information of the investor to the investor. The investment management system according to claim 12,
If the reserve investment execution is not requested, an operation of cumulatively processing the reserve,
If it is checked that the cumulative reserve of the internet user is requested, an operation of displaying the cumulative reserve of the internet user,
When a cumulative reserve investment execution is requested to a company, the operation of transferring the cumulative reserve money to the escrow account or transferring the cumulative reserve money to the account of the company according to whether the escrow is set,
Storing accumulated deposit investment history information,
And notifies the vendor of the accumulated reserve investor information to the vendor. The system according to claim 10, further comprising an investment history management unit for providing an investment history providing service of the member in response to the request for providing the investment history. 12. The system according to claim 11,
An operation of extracting and displaying the investment details of the investment funds of the Internet users,
Acquiring and displaying the accumulation status of the reserve fund when the status reserve of the specific company is selected,
And a dialogue channel between the business and the reserve investor is displayed by setting a dialogue channel with the business,
And displaying an investment allocation timing and a distribution method according to a selection of a disclosure item of a specific company. 11. The system of claim 10, further comprising an investment profit management unit that allocates an investment profit as the investment return condition is satisfied. The system according to claim 16, wherein the investment profit management unit comprises:
An operation of requesting and receiving an investment profit from the business,
An operation of inquiring the Internet user about the method of receiving the investment result,
When the Internet user selects the cash receiving method, the operation of transferring the investment result to the account of the Internet user,
When the Internet user selects the cumulative processing, the operation of accumulating the investment result in the reserve of the internet users,
And when an internet user selects donation, performs an operation of donating an investment result.

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