KR20170098121A - Online crowding funding system - Google Patents

Abstract

The present invention relates to a funding and profit distribution system through online crowdfunding,
An investment registration part 2100 for registering a request for investment by Mishner, a profit distribution unit 2500 for distributing income and informing the investor, and an investment decision unit 2400 for the investor to make investment through the platform, ; And a platform (3000) for publishing an interface such that registered users' information, investor information, and investment information can be viewed by the user
Misherner terminals that make investment requests and investor terminals that execute investments are connected online.

Description

{ONLINE CROWDING FUNDING SYSTEM} Funding and Revenue Allocation System via Online Crowd Funding

The present invention relates to online real estate funding. More specifically, the present invention relates to online real estate funding. More specifically, the present invention relates to online real estate funding. More particularly, the present invention relates to online real estate funding, Funding and profit-sharing systems through online crowdfunding that enable them to share their profits when they occur, guarantee a constant return on investment, or provide a combination of both.

The present invention is a method for reconstructing or constructing a building owned by an owner of an old building in land or land. In the past, the building was constructed by borrowing money from the owner's own fund or bank.

Accordingly, the present invention can be applied to a case where a customer can not construct due to a shortage of funds or a collateral shortage at a bank. In the case of crowd funding (crowd funding) It is also called "social funding." It mainly raises funds for the purpose of charity activities, event holding, product development, etc. This includes investment in equity, loans, rewards, sponsorship Etc.) to collect the funds and provide a compensation method for their profits.

Crowd funding has been disclosed in Korean Patent Publication No. 10-2013-0044796.

Conventionally, the land and the building of the mortgage loan using the financial sector have been evaluated together and the loan has been determined and the loan has been proceeded according to the proportion of the financial sector corresponding thereto. However, if the building is aged or has only land, the land is assessed and the corresponding loan proceeds. In this case, the financial institution proceeds with the loan based on the evaluation of the land. In the case of reconstruction or new construction, if the existing building is to be demolished or rebuilt, or if there is only land to build a new building, The loan of the second financial sector is insufficient in cost, and the insufficient funds are financed by using the third financial institution or bonds, thereby building the building. In this case, even if the construction of the building is completed because the interest cost is high, most of the revenue is spent as the interest cost, and the building owner who owns the land spends a considerable amount of money only on the finance cost.

In order to solve the above problems, when owner or aged building owner builds or rebuilds the building, he or she can fund the online funding through online crowd-matching funding To provide funding and a profit distribution system.

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

According to an embodiment of the present invention, there is provided a financing and profit distribution system using online crowd matching funding, comprising: a miniser 10 for building a building on the land or for building an aged building; The investor 30 includes a Michelin terminal and confirms investment information on the corresponding platform. The investor 30 includes an investor terminal,

The system (2000), which matches the investment request of the investor with the investor's request, performs the server function of verifying, storing and matching the investment request and the collateral registered by the investor,

A platform 3000 for publishing the information to the investor,

An investment registered product part 2100 for registering the investment request,

A profit distribution unit 2500 for distributing and informing the investor's profit,

And an investment decision unit 2400 through which the investor can proceed the investment through the platform.

More specifically, the Investment Registration Division is able to register Mysner's investment requests,

Investment Registration Division may separate cash and in kind when registering investment request,

A cash registering module 2110 for registering an amount of money necessary for cash,

The cash registering module includes an amount registering module 2111 for registering for each amount of money

An account registration module 2111 for registering for each account;

And an in-kind registration module 2120 for registering necessary items (such as equipment and materials required when building the building or interior after building the building) in the case of in-kind.

Thereafter, a mortgage providing information module 2200 for providing a mortgage to attract a mortgage

At this time, the Mortgage Provisioning Module may ask the Real Estate Registration Division to initiate the transaction and obtain approval from Misherner. In addition, if a loan is received from the first financial institution, it may be possible to identify the portion of the loan amount corresponding to the loan. Thereafter, the insufficient funds can be made available by using the system. In order to ensure that the land, land, and existing buildings are divided into funds or accounts invested by investors based on insufficient funds and loans, To provide a way to protect the investment against unforeseen accidents.

In addition, a value evaluation module (2300) is provided to evaluate the position and area of the land based on the evaluation of the evaluator through the big data or the evaluation of the value of the land, and the evaluation of the land and the building through the bird's- So that it can be utilized as information of investment decision to the investor. When the investor is progressed and the building is completed, it is possible to output the investment situation, progress, and the investment return rate through the platform in the future can do.

An investment decision unit 2400 for the investor to determine the investment by viewing the information;

The investment module consists of an investment method area (2410) and an investment form area (2420) for selecting an investment method. In the investment mode module, an investment method is selected as cash and in-

In the case of cash investment, the cash investment module 2411

In the case of an in-kind investment, the in-kind investment module 2413

The cash investment module and the spot investment module can be displayed to the investor in conjunction with the in-kind module of the investment registered product division.

The payment module 2412 includes a payment module 2412 for receiving an investment when the investment is cash, and the payment module includes all the methods of investing such as card settlement,

In addition, if the item is a spot, it is possible to add a function to show the item to the buyer when the item is not registered by Ms. Misner.

The investment type module 2420 is divided into a sale, a lease, and a lease at the time of sale as the building is completed. In the case of a sale or lease, the investment can be immediately compensated. On the other hand, It is a reality that the cycle is difficult. Thus, the investment mode module can be divided into a profitable investment module (2412) and a rental investment module (2422) so that compensation can be made immediately in the case of a sale or a lease,

In the case of a lease type, it provides an investment method that allows a constant rate of monthly lease income to be continuously received, so that it can fundamentally eliminate the risk factors that an investor or a mistisher may have. At this time, the investment mode module and the investment module can calculate the ratio of the investor's investment funds to the total investment request money so that the compensation can be distributed.

When the building is completed, a profit distribution module 2500 that provides compensation for the investment profit or ROI and a revenue sharing module 2510 that makes a payment at a time when the profit type is paid, (2520), which allows you to receive compensation for a certain amount of monthly stake. This profit distribution module is connected with the investment module and provides online crowdfunding including the method of profit distribution for investment It will be possible to construct a funding and profit distribution system.

The present invention relates to a method and system for financing an aged land or an aged building by constructing a building or reconstructing the building, and financing the investment through crowd-funding on-line. Procurement and profit distribution system.

Figure 1 relates to an existing lending method.
FIG. 2 is a basic structural element according to an embodiment for constituting the platform.
FIG. 3 illustrates basic components of a system according to an embodiment.
FIG. 4 is a system block diagram of an entire embodiment.
5 is a flow chart according to an embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and how to accomplish them, will become apparent by reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the embodiments disclosed herein but may be embodied in many different forms and should not be construed as being 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 concept of the invention to those skilled in the art. But is provided to fully disclose the scope of the invention to an inventor, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

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

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

Hereinafter, a fund procurement and profit distribution system through online crowdfunding according to an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 shows a conventional method of borrowing using land.

If there is a land or an old building, it receives an emotion from the appraisal company designated by the bank, and expects the construction cost according to the design of the building. After that, the bank will raise the loan and the loan will be confirmed and the construction will be done. When the building is built up after that, a loan limit is created through emotion. After that, the tenant becomes a sale. At this time, the tenant buys the loan from the limit of the loan. This example is an example of a typical land loan, and the order of each step may vary depending on the financial institution.

2 is a basic constituent element for constructing the platform.

The missioner 10 is a person who wants to rebuild a landlord or an old building, and includes a terminal that can access the system via online. Therefore, the reducer 10 can be called a milliner terminal. The contractor 10 registers the investment request in the system, and inputs the location, condition, collateral content, value, etc. when registering the investment. When the system is registered, the system outputs it to the platform. After that, investors will be able to make investment by viewing the investment registered information. This Mississaer includes Mississauga terminals.

The investor (30) can view each investment information registered in the platform, invest the commodity suitable for the investor himself, and invest the money or spot money. Investors also include investor terminals.

At this time, the spot can be made through the investment registration department if the Smithner (10) wishes, or the investor can make a request individually to the Smithner through the system. For example, the investor can present the goods, technology, equipment, materials, and interior construction that the investor has, and the system matches the investor with the contractor. The costs at this time can be coordinated with each other.

Mississauga includes Mississauga terminals and investors include investor terminals. For example, a Michelin terminal and an investor terminal refer to a mobile communication terminal that communicates through a wireless or portable Internet, and includes all wired and wireless communication terminals having a user interface for accessing a system such as a smart phone, a notebook, and a tablet it means.

3 is a block diagram of the system 2000. As shown in FIG.

The funding and profit distribution system through online crowdfunding of the present invention

A reducer 10 for registering an investment request;

The system includes an investment registration commodity unit 2100 in which the contractor 10 registers an investment request;

A profit distribution unit 2500 for distributing and informing the investor's profit;

And an investment decision unit 2400 through which the investor can proceed the investment through the platform.

A platform 3000 for posting an interface so that the user can view the registered Mr. Smithner information, the investor information, and the investment information; and

And investors (30) who invest in them.

The system may also be referred to as a server that registers, stores, calculates formulas, matches the mismatcher and investor, and outputs the information to the user interface through the platform.

That is, the contractor 10 registers investment information through the investment registration merchandise unit 2100 and can provide it as collateral, through the collateral providing information module 2200. At this time, the investment registered product part may include a security providing module.

Thereafter, when the investor proceeds the investment decision unit 2400, if the mission is completed in the future, the system causes the profit distribution unit 2500 to execute the compensation.

4 is an overall system configuration diagram.

The fundraising and profit distribution system through the online crowd matching funding according to the embodiment of the present invention,

The mistener 10 for building a building or constructing an aged building includes a Missheran terminal, and the investor 30 who invests after confirming the investment information on the platform includes an investor terminal,

The system (2000), which matches the investment request of the investor with the investment of the investor, is a platform (3000) that confirms the investment request and security registered by the investor and publishes the information to investors and users

The platform includes a registered product and information output unit 3100 for outputting a registered product, a contractor, investor information, investment details, and compensation details,

(2100) for registering an investment request, a profit distribution unit (2500) for distributing and informing the profit of the investor, and an investment decision unit (2400) for allowing the investor to carry out the investment through the platform A value providing module 2300 and a value appraising module 2300 for providing information on the investor's investment are provided to the investors 2300 and 2300. In addition, The location or area of the land of the investment request registered to the investor is assessed based on the evaluation of the evaluator through the big data and the evaluation of the land and the building bird's view through the evaluation of the land and the building, It is possible to make it available to the investor as information of the investment decision. When the investor is progressed and the building is completed, the investment situation, progress, and And return on investment through the platform in the future.

More specifically, the Investment Registration Division is able to register Mysner's investment requests,

The investment registration department may include the cash registration module and the spot registration module separately or in the investment registration product part so that the cash and the spot can be separately registered at the time of registering the investment request,

A cash registering module 2110 for registering an amount of money necessary for cash,

The cash registering module includes an amount registering module 2111 for registering for each amount of money

An account registration module 2111 for registering for each account;

And an in-kind registration module 2120 for registering necessary items (such as equipment and materials required when building the building or interior after building the building) in the case of in-kind.

The spot registration module can be made through the investment registration department if Mishner wants, or it can be made by the investor individually requesting the Mishner through the system. For example, the investor can present the goods, technology, equipment, materials, and interior construction that the investor has, and the system matches the investor with the contractor. In this case, the system can provide the cost and compensation so that they can be coordinated with each other.

In addition, when the investor sends a message to offer the spot, the agent can review the spot request and approve, reject, and request adjustment to the system. At this time, when the approval is made, it can be compensated for, or the matching adjustment function can be adjusted.

Thereafter, a mortgage providing module 2100 for providing a mortgage to attract a mortgage

In this case, the collateral providing module can be included in the investment product registration section, can also be registered through investment products, etc., and can request the disclosure of the details to the registered copy of the real estate registration server from Ms. Smither, have. In addition, if a loan is received from the first financial institution, a copy of the register can be posted so that the portion of the loan amount corresponding to the loan can be confirmed. Thereafter, the insufficient funds can be made available by using the system. In order to ensure that the land, land, and existing buildings are divided into funds or accounts invested by investors based on insufficient funds and loans, To provide a way to protect the investment against unforeseen accidents.

Also, the valuation module (2300) can be used by the investor to judge the value of the investment registration product registered by Ms. In other words, the location and area of the land registered by Ms. Misner can be evaluated based on the evaluation of the appraisers through the use of big data, and it is possible to post the investment information through the evaluation of the land and the building through the bird's- If the investor is to proceed with the construction of the building, the investment situation, progress, and return on investment shall be posted on the investment registration product department registered by Ms. This can be used to make investment decisions.

An investment module 2300 in which an investor views the information and determines an investment; and

The investment module may include an investment method section (2410) and an investment form section (2420) for selecting an investment method individually or in an investment module,

In the investment method area, the investment method is selected as cash and in-kind,

In the case of cash investment, the cash investment module 2411

For in-kind investments, the in-kind investment module (2414) can be included in the individual or investment method area

The cash investment module and the spot investment module can be linked to the spot registration module of the investment registered product division and displayed to the investor.

The payment module 2412 includes a payment module 2412 for receiving an investment when the investment is cash, and the payment module includes all the methods of investing such as card settlement,

In addition, if the item is a spot, it is possible to add a function to show the item to the buyer when the item is not registered by Ms. Misner.

The investment type area 2420 can be included in the individual investment type area by the lease type investment module 2520 and the profit type investment module 2510,

The investment type area is divided into the sale, lease, and lease at the time of sale as the building is completed. In the case of the sale or lease, it is possible to immediately compensate the investment. However, in case of lease, It is a reality. Thus, the investment mode module can be divided into a profitable investment module (2412) and a rental investment module (2422) so that compensation can be made immediately in the case of a sale or a lease,

In the case of a lease type, it provides an investment method that allows a constant rate of monthly rental income to be continuously received,

In case of lease type, it provides investment method to continuously receive a certain ratio of lease income every month. In case of lease, it may or may not be compensated immediately. Therefore, a certain amount is compensated immediately, To be able to fundamentally eliminate the risk factors that an investor or Mishner may have. At this time, the investment mode module and the investment module can calculate the ratio of the investor's investment funds to the total investment request money so that the compensation can be distributed.

And a profit distribution module 2500 for compensating for the investment profit or ROI when the building is completed. The profit distribution module is divided into a profitable compensation area 2510 and a rental compensation area 2520, Method region,

The profit distribution module is composed of a temporary compensation module (2510) that makes a payment at a time and a rental compensation module (2520) that can receive a compensation for a certain amount of monthly rent in case of a rental type. The revenue sharing module will be linked to the investment module and will be able to form a financing and profit distribution system through online crowdfunding which includes a method for distributing the profit to the investment.

5 is a flow chart according to an embodiment of the present invention.

Mysner and the investor register each information (①). The contractor or investor is stored through the platform, and this information is stored in the system. The system in the present invention means a server, and a platform means a device having a user-viewed interface that allows a user to view a page through a Web or an App. A device refers to an electronic device such as a notebook or a PC, a smart phone, or a tablet PC, having a screen viewed by a previous user.

Thereafter, Misherner will register the investment product on the platform (②), and the registered investment product will be posted on the platform (registered product and information output section) and the investor will receive the investment information (③) Provide for judgment on investment.

 In addition, the information to be provided as collateral registered in the collateral providing module 2220 and the value evaluation information obtained through the value evaluating module 2300 are posted in the investment product registration area 2100 through the registered goods and information output part (3) To help investors make judgments.

When the registered product is posted to the investor through the platform, the investor will make the investment decision (④) through the investment decision department (2400).

The investment decision unit 2400 includes an investment scheme area and an investment scheme area, and the investment scheme area is a module for selecting the investment scheme as cash or spot.

In case of cash, payment can be made through the payment module (⑤) so that the payment amount can be transferred to the contractor (⑥), and after the payment, the security can be provided through the security providing module according to the payment amount .

In the case of spot investment, the spot selection module 2414 can register the goods or services that the investor can provide and transmit the information to the seller through the system.

In addition, the in-kind goods can be registered through the in-kind registration module of the investment registration product section, and the information can be posted to the investor through the registered goods output section 3100.

When the investor makes a request for spot offer (⑤-①), the system transmits the information (⑤-④) through the investor spot matching request confirmation section (⑤-③) and the system performs matching (⑤-④) And send the contents to investors. Once the matching has been approved, the investor and the buyer will be asked to approve the spot offer.

In addition, the investment type area includes a module for selecting a rental investment module and a profitable investment module,

The investment type area is divided into the sale, lease, and lease at the time of sale as the building is completed, and it can compensate for the investment in case of sale or lease. On the other hand, It is a reality that it is difficult to give immediately. Therefore, the investment mode module can be divided into a profitable investment module (2412) and a leased investment module (2422) so that the compensation can be immediately made in the form of a profit in the case of a sale,

In case of lease type, it provides investment method to continuously receive a certain ratio of lease income every month. In case of lease, it may or may not be compensated immediately. Therefore, a certain amount is compensated immediately, To be able to fundamentally eliminate the risk factors that an investor or Mishner may have. At this time, the investment mode module and the investment module can calculate the ratio of the investor's investment funds to the total investment request money so that the compensation can be distributed.

When the payment is paid (7), the progress status (8) is displayed step by step through the progress status display unit (2416), and this information can be transmitted to the investor (9).

When it is announced that the completion of the sale has been completed, the revenue distribution notice (⑪) will be sent to the profit distribution department (⑩), and if the profit distribution to the investor is completed (⑫), the funding will be terminated.

Claims (3)

As an online crowdfunding financing and revenue allocation system,
An investment registered merchandise unit 2100 for registering a demand for investment;
A profit distribution unit 2500 for distributing and informing the investor's profit;
And an investment decision unit 2400 through which the investor can proceed the investment through the platform.
And a platform 3000 for posting an interface for the user to view the registered user information, investor information, and investment information
Financing and profit distribution system through online crowdfunding, in which an investor terminal that makes an investment request is connected through an online terminal
The system according to claim 1, further comprising: a security providing information module (2200) including a description of security providing for investors; and a value evaluation module (2300) for providing security value and investment information to an investor, Funding through funding and profit distribution system
The investment registration product department may include a cash registration module and an in-kind registration module separately or in an investment registration product part so that cash and in-kind registration can be separately performed when an investment request is registered.
A cash registering module 2110 for registering an amount of money with respect to necessary expenses in the case of cash, a money registering module 2111 for registering money by amount, an account registering module 2111 for registering by account, A fundraising and profit distribution system via online crowdfunding, including a spot registration module 2120,

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