KR20170038412A - System and method for providing revers-crowd funding - Google Patents

System and method for providing revers-crowd funding Download PDF

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Publication number
KR20170038412A
KR20170038412A KR1020150137744A KR20150137744A KR20170038412A KR 20170038412 A KR20170038412 A KR 20170038412A KR 1020150137744 A KR1020150137744 A KR 1020150137744A KR 20150137744 A KR20150137744 A KR 20150137744A KR 20170038412 A KR20170038412 A KR 20170038412A
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investment
investor
proposer
investors
group
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KR1020150137744A
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Korean (ko)
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유석호
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주식회사 쇼앤리
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Entrepreneurship & Innovation (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Disclosed are a method and a system for operating reverse crowdfunding. The system for operating reverse crowdfunding according to an embodiment of the present invention can comprise: a proposer terminal receiving project information from a proposer; an investor terminal receiving investment preference information from an investor; and a server which creates an investment group by grouping investors having similar investment preference information, and when the investment group decides to invest in the project, collects investments from accounts of the investors in the investment group to pay the investments to an account of the proposer. Therefore, convenience for the investors can be improved.

Description

[0001] The present invention relates to a method and system for operating a reverse crowdfund,

A method and system for operating an inverse crowdfund is disclosed. And more particularly, to a method and system for operating an inverse crowdfund that can enhance the convenience of investors.

Crowd funding refers to the act of publicizing projects through a platform such as the Internet for the purpose of sponsoring or investing by businessmen or artists, and collecting funds from a large number of investors.

Crowd funding has a target amount and a funding period, and investors only say "I will sponsor it" during the fund raising period. At the end of the fundraising period, if the target amount is not reached, money will not be delivered and payment will not be made. For investors, it is advantageous that they can invest in a small amount, such as tens of thousands of won to hundreds of thousands of won.

The proponents themselves are promoting the privilege for the privilege, because the proponent gives the privilege to the investor who sponsored during the fund raising period, or the regular release releases the product at a lower price, and when the fund reaches the target amount, the option or the privilege is added.

As such, crowdfunding tends to solve investment capital and public relations at the same time, and investors can gain many benefits.

However, according to the conventional crowdfunding method, investors have to check the projects disclosed by the proposers one by one, which is inconvenient.

Korean Patent Laid-Open No. 10-2014-0134567 (entitled " Electronic Contract System and Method, Disclosure Date: November 24, 2014)

A method and system for operating an inverse crowdfund that can enhance the convenience of investors.

In order to solve the above problems, a reverse crowdfund fund management system according to an embodiment includes a proposer terminal for receiving project information from a proposer; An investor terminal receiving investment preference information from an investor; And when the investment group determines the investment for the project, the investor withdraws the investment from the account of the investors belonging to the investment group and pays the investment to the account of the proposer Lt; / RTI >

The investor includes at least one of an individual investor, a corporate investor, and an institutional investor.

The investment preference information includes at least one of an investment amount, an investment field, an investment area, and an investment country.

The server transmits information of the created investment group to the proposer terminal, and transmits the information of the project to the selected investment group when the investor group is selected in the proposer terminal.

In order to solve the above-described problems, a method of operating an inverse crowdfund according to an embodiment includes: a step in which a proposal terminal receives project information from a proposer; The investor terminal receiving investment preference information from an investor; And when the server creates an investment group by grouping investors having similar investment preference information and determines the investment for the project, the investor withdraws the investment from the account of the investors belonging to the investment group, .

The investor includes at least one of an individual investor, a corporate investor, and an institutional investor.

The investment preference information includes at least one of an investment amount, an investment field, an investment area, and an investment country.

Investors can improve the convenience of investors because they do not need to check the projects disclosed by the proponents.

1 is a diagram illustrating a configuration of a reverse crowdfund operating system according to an embodiment of the present invention.
2 is a diagram showing the configuration of the server shown in FIG.
3 is a flowchart illustrating a method of operating an inverse crowdfund according to an exemplary embodiment of the present invention.

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.

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 forms include plural forms unless otherwise specified. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In the drawings, like reference numerals designate like elements.

1 is a diagram showing a configuration of a reverse crowdfund fund management system 1 according to an embodiment.

1, the reverse crowdfund fund management system 1 may include an investor terminal 100, a proposer terminal 200, a wire / wireless network 300, and a server 400.

The investor terminal 100 is a terminal used by an investor. According to an embodiment, an investor may include various types of investors. For example, investor types for investors include individual investors, corporate investors, and institutional investors.

An individual investor (an individual investor) is an investor who does not belong to a corporation but invests in liquid assets and real estate as an individual. An institutional investor is an investor who is in the form of a corporation. Institutional investors are the main players in the securities market with large funds. Institutional investors may include banks, insurance companies, securities companies, investment trust companies, corporations that manage and operate funds, and corporations that engage in deductible business. A corporate investor is an investor in the form of a corporation that is not included in the institutional investor.

The above explains the types of investors according to investors. However, the investor type is not necessarily limited to the illustrated types, there may be more investor types, and each investor type may be further subdivided.

The investor terminal 100 may include a wire / wireless communication device. Examples of wired / wireless communication devices include a Palm Personal Computer, a Personal Digital Assistant (PDA), a Wireless Application Protocol (WAP) phone, a smart phone, a smart pad, and a mobile game -station), and the like.

The investor can input the investment preference information by using the investor terminal 100. Investment preference information includes investment amount, investment area, investment area, and investment country. However, the investment preference information is not necessarily limited to the illustrated items, and the number of items included in the investment preference information may be larger.

According to one embodiment, each item may comprise a plurality of sub-items. For example, the investment amount may include sub-items such as less than 500,000 won, less than 50-1000000 won, and more than 1 million won. As another example, investment field items may include sub-items such as performances, skills, and donations. The investor can input the investment preference information by selecting the desired sub-item among the sub-items.

According to another embodiment, each item may not include a plurality of sub-items. In this case, the investor can directly input the contents of each item. The investment preference information input by the investor is transmitted to the server 400 through the wired / wireless network 300.

The proposer terminal 200 is a terminal used by the proponent. The proposer terminal 200 may include a wired / wireless communication device. Examples of wired / wireless communication devices include a Palm Personal Computer, a Personal Digital Assistant (PDA), a Wireless Application Protocol (WAP) phone, a smart phone, a smart pad, and a mobile game -station), and the like.

The proposer terminal 200 receives information on investment groups from the server 400 through the wired / wireless network 300. [ When the information on the investment groups is received by the proposer terminal 200, the proposer can identify the investment groups and then suggest their own projects to the investment groups.

The server 400 receives investment preference information from the investor terminal 100 through the wired / wireless network 300. When the investment preference information is received from a plurality of investors, the server 400 automatically groups the similar investors with investment preference information, and creates an investment group. Then, information on the generated investment group is transmitted to the proposer terminal 200. Thereafter, when the investor group is selected in the proposer terminal 200, the server 400 proposes the proposer's project to the selected investor group.

When the investment group determines the investment, the server 400 notifies the proposal terminal 200 of the investment decision. Thereafter, the server 400 can return the investment money from the account of the investors belonging to the investment group, and pay the money to the account of the proposer.

2 is a diagram showing a configuration of the server 400 shown in FIG.

Referring to FIG. 2, the server 400 may include a communication unit 410, a grouping unit 420, a processing unit 430, an investor database 440, and a proposer database 450.

The communication unit 410 can transmit and receive data to and from the investor terminal 100 and / or the proposer terminal 200 through the wired / wireless network 300. For example, the communication unit 410 may receive investment preference information from a plurality of the investor terminals 100, and may transmit the investment group information to the proposer terminal 200.

The grouping unit 420 groups investors having similar investment preference information to create investment groups. The investment group information is stored in the investor database 440.

The processing unit 430 transmits the investment group information to the proposer terminal 200. Thereafter, when the proposal information of the proposer and the investment group information selected by the proposer are received from the proposer terminal 200, the processing unit 430 proposes the proposal of the proposer to the investment group selected by the proposer.

When the investment is determined in the investment group in which the projet has been proposed, the processing unit 430 retrieves the investment money from the account of the investors belonging to the investment group, and pays the investment money to the account of the proposer.

The investor database 440 stores information related to the investor. For example, it can store at least one of an investor's contact information, investor's account information, investor's investment preference information, and investment group information to which the investor belongs.

The proposer database 400 stores information related to the proposer. For example, it can store at least one of the contact of the proposer, the account information of the proposer, the information of the proposal suggested by the proposer, and the information of the investment group in which the proposer proposed the project.

3 is a flowchart illustrating a method of operating an inverse crowdfund according to an exemplary embodiment of the present invention.

Prior to the description, it is assumed that the investor and the proposer are members of the service provided by the server.

In this state, the investor inputs the investment preference information using the investor terminal 100 (S). Investment preference information includes investment amount, investment area, investment area, and investment country. The investor can select sub items of each item or input the contents of each item directly.

Thereafter, the investor terminal 100 transmits the investment preference information input from the investor to the server 400 (S310).

When the investment preference information is received from the plurality of investor terminals 100, the server 400 groups the investors with the investment preference information to create an investment group (S320). The generated investment group information is stored in the investor database 440, and then transmitted to the proposer terminal 200.

When the investment group information is received by the proposer terminal 200, the proposer confirms the received investment group information and selects an investment group to propose his / her own project (S340).

When the investor group is selected by the proposer, the proposer terminal 200 transmits investment group selection information to the server 400 (S350).

When the investment group selection information is received from the prospective terminal 200, the server 400 searches the proposer database 450 for project information of the proposer (S355).

Thereafter, the server 400 transmits the searched project information to the investor terminal 100 of the investors belonging to the investment group (S360).

If the investment is determined by the investors belonging to the investment group (S370), the investor terminal 100 transmits the investment decision information to the server 400 (S380).

When the investment decision information is received from the investor terminal 100, the server 400 recovers the predetermined investment amount from the account of the investors belonging to the investment group, and processes the collected investment amount so as to be paid to the proposer's account (S390).

Thus, a method and system for operating an inverse crowd according to an embodiment of the present invention have been described. In addition to the embodiments described above, embodiments of the present invention may be embodied in a medium, such as a computer-readable medium, including computer readable code / instructions for controlling at least one processing element of the above described embodiments have. The medium may correspond to media / media enabling storage and / or transmission of the computer readable code.

The computer readable code may be recorded on a medium. The medium includes, for example, a recording medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.) and an optical recording medium (e.g. CD-ROM, Blu-Ray, DVD) .

Since the media may be a distributed network, the computer readable code may be stored / transmitted and executed in a distributed manner. Still further, by way of example only, processing elements may include a processor or a computer processor, and the processing elements may be distributed and / or contained within a single device.

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

1: Reverse crowdfund fund management system
100: Investor terminal
200: Proposer terminal
400: Server

Claims (7)

A proposal terminal receiving project information from the proposer;
An investor terminal receiving investment preference information from an investor; And
When the investment preference information groups the similar investors to create an investment group, and when the investment group determines investment for the project, the investment money is collected from the account of the investors belonging to the investment group and paid to the account of the proposer Inverse crowdfund fund management systems, including servers. The method according to claim 1,
The investor
An inverse crowdfund fund management system that includes at least one of individual investors, corporate investors and institutional investors. The method according to claim 1,
The investment preference information
Investment funds, investments, investment areas, and investment countries. The method according to claim 1,
The server
And transmits information on the project to the selected investment group when the investor group is selected in the proposer terminal after transmitting the generated investment group information to the proposer terminal. The proposer terminal receiving project information from the proposer;
The investor terminal receiving investment preference information from an investor; And
When the server groups the investors having similar investment preference information to create an investment group and the investment group decides to invest in the project, the server collects the investment money in the account of the investors belonging to the investment group, A method of operating an inverse crowdfund fund, 6. The method of claim 5,
The investor
A method of operating an inverse crowdfund, comprising at least one of an individual investor, a corporate investor, and an institutional investor. 6. The method of claim 5,
The investment preference information
Investment funds, investment areas, investment areas, and investment countries.
KR1020150137744A 2015-09-30 2015-09-30 System and method for providing revers-crowd funding KR20170038412A (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190047285A (en) * 2017-10-27 2019-05-08 주식회사 코스콤 A method of recommending stock items using investment patterns of clients having similar tendency and system thereof
CN109918626A (en) * 2017-12-13 2019-06-21 厦门头家信息科技有限公司 A kind of foundation investment and financing service system
KR20200118535A (en) 2019-04-08 2020-10-16 주식회사 하이퍼텍스트메이커스 System and Method of Lease Sales Operation of Pre-paid Consumers using Assets Fund
KR20220005721A (en) * 2020-07-07 2022-01-14 이장욱 System for connecting investment based on marketing point saving of consumer leading type
KR102405105B1 (en) * 2020-12-15 2022-06-07 주식회사 핀크 Assetmanagement service provision method and asset management service system using the same
WO2023054741A1 (en) * 2021-09-28 2023-04-06 이장욱 Consumer-driven marketing point accumulation-based investment linkage system

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140134567A1 (en) 2011-07-20 2014-05-15 Dennis F. Flanagan Interproximal non-surgical caries treatment method

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140134567A1 (en) 2011-07-20 2014-05-15 Dennis F. Flanagan Interproximal non-surgical caries treatment method

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20190047285A (en) * 2017-10-27 2019-05-08 주식회사 코스콤 A method of recommending stock items using investment patterns of clients having similar tendency and system thereof
CN109918626A (en) * 2017-12-13 2019-06-21 厦门头家信息科技有限公司 A kind of foundation investment and financing service system
CN109918626B (en) * 2017-12-13 2023-05-19 厦门头家信息科技有限公司 Entrepreneur investment and financing service system
KR20200118535A (en) 2019-04-08 2020-10-16 주식회사 하이퍼텍스트메이커스 System and Method of Lease Sales Operation of Pre-paid Consumers using Assets Fund
KR20220005721A (en) * 2020-07-07 2022-01-14 이장욱 System for connecting investment based on marketing point saving of consumer leading type
KR102405105B1 (en) * 2020-12-15 2022-06-07 주식회사 핀크 Assetmanagement service provision method and asset management service system using the same
WO2023054741A1 (en) * 2021-09-28 2023-04-06 이장욱 Consumer-driven marketing point accumulation-based investment linkage system

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