KR20210060391A - System and method for investing virtual money - Google Patents

Abstract

The present invention relates to a system and method for investing and distributing virtual currency to issue virtual currency by user behavior, and enable the issued virtual currency to be invested to make a profit, and more particularly, to a system for investing and distributing virtual currency, which includes: a virtual currency investment unit in which, at the investment activation time, an investment target is input from a member terminal, and the amount of investment to be invested in the investment target is input; and an investment income distribution unit, during distribution activation time reached after the investment activation time, that determines member accounts that are subject to investment income distribution and investment income distribution, wherein the investment income distribution unit determines to distribute some of the investment funds invested in all investment targets to some of the member accounts participating in the investment, in which the investments to be distributed is selected based on an investment value difference between an investment value of the investment target confirmed during the investment activation time (hereinafter referred to as "first investment value") and an investment value of the investment target confirmed during the distribution activation time (hereinafter referred to as "second investment value").

Description

System and method for investing virtual money

The present invention relates to a system and method for investing and distributing virtual currency, and more particularly, to generate a virtual currency by the actions of a user, and to make a profit by investing the generated virtual currency. And a system and method for dispensing.

In the conventional investment market, an investor actually invests his or her assets in order to obtain a profit, and if the investment fails, the asset is lost. In particular, individual investors are less likely to make a profit in the investment market due to lack of information or fear of asset loss, and the damage caused by investment loss is so large that it is difficult to imagine, and recovery is difficult.

For this reason, everyone has dreamed of an investment market in which investors can obtain a return on investment without incurring any loss to their real assets, but in reality it has been thought to be impossible, and no one has provided such a market. However, with the present invention, such a dream can be realized.

A technical problem to be achieved by the system and method for virtual currency investment and distribution according to the technical idea of the present invention is to enable users to make investment returns without investing in assets they have in the real world.

The technical problem to be achieved by the system and method for virtual currency investment and distribution according to the technical idea of the present invention is not limited to the above-mentioned problems, and another problem not mentioned is clearly to a person skilled in the art from the following description. It will be understandable.

The virtual currency investment and distribution system according to an embodiment according to the technical idea of the present invention is a system connected to a member terminal, wherein an investment target is input from the member terminal at an investment activation time, and the amount of the investment invested in the investment target is An input virtual currency investment unit; And an investment return distribution unit that determines a member account belonging to the investment return distribution target and an investment return distribution at the distribution activation time reached after the investment activation time, wherein the investment return distribution unit includes some of the investment funds invested in all investment targets. It is decided to distribute the investment funds to some of the member accounts that participated in the investment, but the investments to be distributed are confirmed at the investment value of the investment object (hereinafter referred to as "first investment value") confirmed at the time of investment activation and at the time of activation of distribution. It may be selected on the basis of the difference in the investment value of the investment value (hereinafter referred to as "second investment value") of the investment object.

The investment target is a stock item, the investment value is the stock price of the stock item, the investment activation time is a predetermined time interval between the stock market closing time on the first day and the stock market opening time on the second day, and the distribution activation time is zero. It may be a predetermined time interval between the stock market closing time of the 2nd day and the stock market opening time of the 3rd day.

The investment money may be transmitted to the virtual currency investment unit multiple times for one investment target from the member terminal during the investment activation time.

The investment return distribution unit determines the value obtained by dividing the value obtained by subtracting the first investment value from the second investment value by the first investment value (hereinafter referred to as the “investment value increase rate”) for investment targets, and invests in the order of the investment value increase rate. Arrange the targets, and determine the member accounts that have invested investments belonging to the upper predetermined ratio of investments sorted according to the sorted investment targets (hereinafter referred to as the "investment profit distribution target rate") as the investment income distribution target accounts, Member accounts that have invested investments that do not belong to the ratio to be distributed are determined as the accounts subject to recovery, and all or part of the investments invested by the account subject to investment recovery are allocated as the distribution of investment income to be distributed to the accounts subject to distribution of investment income. You can decide.

The investment return distribution unit allocates an amount corresponding to a predetermined percentage of the investment return distribution to the investment income distribution target accounts invested in the investment object with the largest increase in investment value, and excludes the amount corresponding to a predetermined percentage of the investment return distribution. The amount can be evenly allocated to the investment objects invested by the accounts subject to distribution of investment returns.

The investment return distribution unit may allocate a quota allocated to each investment object from the investment return distribution to the investment return distribution target accounts according to a ratio of each investment amount to the total investment amount invested in each investment object.

The investment income distribution unit may evenly allocate the investment income distribution to the investment objects invested by the investment income distribution target accounts.

The investment return distribution unit may allocate a quota allocated to each investment object from the investment return distribution to the investment return distribution target accounts according to a ratio of each investment amount to the total investment amount invested in each investment object.

The investment return distribution unit may allocate the investment return distribution to investment targets invested by the investment return distribution target accounts in the order of an increase rate of investment value, but may allocate the allocated amount to gradually decrease as the increase rate of investment value decreases.

The investment return distribution unit may allocate a quota allocated to each investment object from the investment return distribution to the investment return distribution target accounts according to a ratio of each investment amount to the total investment amount invested in each investment object.

In the case where the investment income distribution target accounts and the investment return target accounts invest in a single investment target, the investment return distribution unit sorts the investments of the investment target in the order of the earliest investment timing, and the investment profit distribution target according to the sorting order. You can decide on the account.

In the case where the investment income distribution target accounts and the investment return target accounts invest in one investment target, the Investment Return Distribution Department determines all of the member accounts that have invested the investments invested in the investment target as investment profit distribution target accounts. I can.

The virtual currency investment and distribution system may further include a virtual currency management unit that transmits the virtual currency accumulated in the member account to the virtual currency investment unit from the member account or from the virtual currency investment unit to the member account.

The virtual currency management unit may convert and withdraw the virtual currency into real currency at a predetermined exchange rate.

The virtual currency investment and distribution system may further include an investment value information collection unit that collects information on the investment value of an investment object before the distribution activation time and provides it to the investment return distribution unit.

The virtual currency investment and distribution system may further include a currency generator that generates virtual currency in response to an input action for a member terminal connected to the member account, and accumulates it in the member account.

The currency generator may generate virtual currency in the state of the lock screen of the member terminal.

Advertisements may be displayed on the lock screen.

When an input to the member terminal is generated while the member terminal is locked, the currency generator may display a lock screen and generate virtual currency.

On the lock screen, at least one of a quote, a foreign language word and interpretation, news, and step information of a pedometer may be displayed.

The currency generation unit displays the lock screen when an input to the member terminal is generated while the member terminal is locked, and displays an icon or character on the lock screen, so that a virtual currency can be generated when the icon or character is touched. have.

The currency generator displays a schedule management input window on the member terminal, and when a schedule is inputted in the schedule management input window, it may generate virtual currency.

When the money generator reaches the schedule input in the schedule management input window, it displays a schedule message along with the lock screen while the member terminal is locked, and may generate virtual currency.

The currency generator displays a stop watch on the member terminal, and when the stop watch is used, it can generate virtual currency.

When a predetermined time set by the stopwatch is reached, the currency generator displays a time message along with the lock screen in the locked state of the member terminal, and may generate virtual currency.

The currency generator displays a calculator screen on the member terminal, and when the calculator is used, it can generate virtual currency.

The currency generator displays a voice notepad on the member terminal, and when the voice memo is stored in the voice notepad, it can generate virtual currency.

The currency generating unit drives a sound advertisement with sound from the member terminal, and may generate a virtual currency after a predetermined time.

The currency generator drives a sound advertisement with sound from the member terminal, and when a touch on an icon displayed after a predetermined time is made, it can generate a virtual currency.

The currency generator drives a sound advertisement with sound from the member terminal, and transmits a sound question in the middle of the sound advertisement, and the correct answer to the question is sent to the currency generator 120 by text input or voice input through the member terminal. Once transferred, virtual currency can be created.

The system and method for virtual currency investment and distribution according to embodiments according to the technical idea of the present invention enables a user to make an investment return without investing in assets possessed in the real world.

However, the effects that can be achieved by the system and method for virtual currency investment and distribution according to an embodiment of the present invention are not limited to those mentioned above, and other effects that are not mentioned are conventional from the following description. It will be clearly understandable to the engineer.

In order to more fully understand the drawings cited in this specification, a brief description of each drawing is provided.
1 is a diagram schematically showing the configuration of a virtual currency investment and distribution system according to an embodiment of the present invention.
2 is a flowchart schematically showing a virtual currency investment and distribution method using a virtual currency investment and distribution system according to an embodiment of the present invention.
3 is a view showing a lock screen including quotes and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
4 is a view showing a lock screen including foreign language words, interpretations, and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
5 is a view showing a lock screen including news and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
6 is a diagram illustrating a pedometer and advertisement displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
7 is a diagram illustrating a lock screen including a character displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
8 is a diagram illustrating a schedule management input window displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
9 is a diagram illustrating a stop watch displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
10 is a diagram illustrating a calculator displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
11 is a diagram illustrating a voice notepad displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.
12 is an example of the investment and distribution of the virtual currency investment and distribution system according to an embodiment of the present invention, and shows a state before sorting in the order of the increase rate of investment value.
FIG. 13 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows a state in which an account subject to investment return distribution is selected by arranging the data of FIG. 12 in the order of an increase in investment value.
14 is an example of the investment and distribution of the virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total amount of allocation per item calculated by the first-ranked pre-allocation method based on the data of FIG. 13.
FIG. 15 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 14.
FIG. 16 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total amount of allocation per item calculated by an equal allocation method based on the data of FIG. 13.
FIG. 17 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 16.
FIG. 18 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total number of allocations per item calculated by a variable allocation method based on the data of FIG. 13.
FIG. 19 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 18.
20 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, based on the data of FIG. Shows the total amount of allotment.
21 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 20.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments are illustrated in the drawings, and these will be described in detail through detailed description. However, this is not intended to limit the present invention to specific embodiments, and the present invention should be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

In describing the present invention, when it is determined that a detailed description of a related known technology may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. In addition, numbers (eg, first, second, etc.) used in the description of the present specification are merely identification symbols for distinguishing one component from other components.

In addition, in the present specification, when one component is referred to as "connected" or "connected" to another component, the one component may be directly connected or directly connected to the other component, but specially It should be understood that as long as there is no opposite substrate, it may be connected or may be connected via another component in the middle.

In addition, in the constituent elements represented by "~ unit" in the present specification, two or more constituent elements may be combined into one constituent element, or one constituent element may be divided into two or more for each more subdivided function. In addition, each of the components to be described below may additionally perform some or all of the functions that other components are responsible for in addition to its own main function, and some of the main functions that each component is responsible for are different. It goes without saying that it may be performed exclusively by components.

In addition, the term "~ unit" used in the present specification may include software, hardware, or a combination thereof depending on the context in which the term is used. The software may be, for example, machine code, firmware, embedded code, application software, or a combination thereof. Further, the hardware may be, for example, a circuit, a processor, a computer, an integrated circuit, integrated circuit cores, a pressure sensor, an inertial sensor, a microelectromechanical system (MEMS), passive elements, or a combination thereof. When "~ unit" is described in the claims, it is intended to include the claims and hardware circuits for that purpose.

Hereinafter, embodiments according to the technical idea of the present invention will be sequentially described in detail.

1 is a diagram schematically showing the configuration of a virtual currency investment and distribution system according to an embodiment of the present invention.

The virtual currency investment and distribution system 100 according to an embodiment of the present invention includes a currency generation unit 120, an investment value information collection unit 130, a virtual currency investment unit 140, an investment return distribution unit 150, It may include a virtual currency management unit 160. The virtual currency investment and distribution system 100 may be connected to the member terminal 10 through the network 20, and the member terminal 10 is preferably a terminal logged in with a member account.

The member terminal 10 may be implemented as a computer that can access a remote server or terminal through the network 20. Here, the computer may include, for example, a notebook equipped with a web browser, a desktop, a laptop, and the like. In addition, the member terminal 10 may be implemented as a terminal capable of accessing a remote server or terminal through the network 20. Member terminal 10 is, for example, as a wireless communication device that is guaranteed portability and mobility, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System) , PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone ( smartphone), a smart pad, a tablet PC, and the like.

The member terminal 10 is connected to the virtual currency investment and distribution system 100 through a network 20 using an application or a web browser activated in the member terminal 10.

Here, the network 20 refers to a connection structure capable of exchanging information between respective nodes such as a plurality of terminals and servers, and examples of such networks include a 3rd Generation Partnership Project (3GPP) network, and a long-term LTE (LTE) network. Term Evolution) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), A Bluetooth network, a satellite broadcasting network, an analog broadcasting network, a Digital Multimedia Broadcasting (DMB) network, and the like are included, but are not limited thereto.

2 is a flowchart schematically showing a virtual currency investment and distribution method using a virtual currency investment and distribution system according to an embodiment of the present invention.

A member who acquires virtual currency using the virtual currency investment and distribution system 100, and wants to invest using it, registers as a member through the member account management unit 110, and the virtual currency can be accumulated and transferred. An account can be given (S110). The member account may be displayed with an ID designated by the member, or may be displayed with an identification code given by the member account management unit 110.

The member account may include the function of an electronic passbook. Virtual currency generated by the currency generating unit 120 can be accumulated in the member account, the virtual currency distributed by the investment income distribution unit 150 can be accumulated, and the currency management unit 160 Money can be transferred to a financial account outside of the virtual currency investment and distribution system 100. The financial account may be a financial account in the name of a member or a financial account in the name of a third party.

Virtual currency is equally paid to members who have joined the virtual currency investment and distribution system 100 according to common rules, can be used within the virtual currency investment and distribution system 100, and can be converted into real currency. . In addition, the name of the virtual currency may be used as cyber money, cyber coin, electronic money, electronic coin, and points.

A member may log in to a member account using the member terminal 10 (S120).

When a member enters into the member terminal 10 logged into the member account, the currency generation unit 120 receiving the member's input activity generates virtual currency to be accumulated in the member account in response to the member's input activity. Can be (S130). The currency generation unit 120 may generate virtual currency in a lock screen state or a use screen state of the member terminal 10. Here, the “input act” of the member may be understood as “the act of mining virtual currency” or “an act of obtaining virtual currency”. Virtual currency is generated purely by the member's input action, and even if the virtual currency is lost by an investment action to be described later, the assets existing in the member's real world are not affected.

The “input act” of the member's member terminal 10 may be performed in various ways, and hereinafter, examples of the “input act” of the virtual currency investment and distribution system and method according to an embodiment of the present invention will be described. . The following examples are described for the purpose of explaining the "input action", and "input action" is not limited to these, and the physical action of the member's member terminal 10 that can achieve the same effect is shown here. It will be included in the "input action" of the virtual currency investment and distribution system and method according to an embodiment of the invention.

A first example of a member's inputting action on the member terminal 10 may be an input for displaying a lock screen.

In the locked state, the member terminal 10 blocks input to the member terminal to prevent malfunction due to occurrence of an input through a screen touch irrelevant to the user's intention or by pressing an external input button, and a preset input It is a state that allows only. The lock screen is a screen that is displayed on the member terminal 10 when an input occurs after the screen is turned off in the locked state, and the use screen is displayed on the screen of the member terminal 10 when the lock state of the member terminal 10 is released. Refers to the displayed screen.

When an input to the screen of the member terminal 10 is generated while the member terminal 10 is locked, the currency generator 120 displays a lock screen, and can generate a virtual currency whenever the lock screen is displayed. Alternatively, virtual currency can be created when an icon displayed on the lock screen is pressed. The generated virtual currency is transmitted to the member account by the virtual currency management unit 160.

3 is a view showing a lock screen including quotes and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention. 4 is a diagram showing a lock screen including foreign language words, interpretations, and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention. 5 is a view showing a lock screen including news and advertisements displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention. 6 is a diagram showing a lock screen including a pedometer and advertisement displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

3, 4, 5, and 6, the lock screen 121 includes a quote 123a, a foreign language word/conversation/interpretation 123b, news 123c, and a pedometer 123d. ) May be displayed, and an advertisement 129 may be further displayed on the lock screen 121. Members are useful information displayed together with the advertisement 129 on the member terminal 10, for example, quotes 123a, foreign language words/conversation/interpretation 123b, news 123c, step information of pedometer 123d Due to the like, the rejection of the advertisement 129 displayed on the lock screen 121 may disappear. The size and position of the advertisement 129 displayed on the lock screen 121 may be set in various ways. The member can obtain a virtual currency of an amount calculated at a preset rate with respect to the number of times the lock screen 121 is displayed, or displays an icon (for example, a coin icon) when the lock screen 121 is displayed, and the member When you press, you can obtain a virtual currency of an amount calculated at a preset rate.

7 is a diagram illustrating a lock screen including a character displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

A second example of a member's inputting action on the member terminal 10 may be a touch on the character 124a displayed on the lock screen 121. When an input to the member terminal 10 is generated while the member terminal 10 is locked, the member terminal 10 may display the lock screen 121 on which the character 124a is displayed. An advertisement 129 may be further displayed on the lock screen 121.

The member may touch the character 124a displayed together with the advertisement 129 on the member terminal 10, and the touched character 124a performs at least one of preset actions (eg, motion, sound, etc.). You can do it. On the lock screen 121 on which the advertisement 129 is displayed, the rejection of the advertisement 129 displayed on the lock screen 121 may disappear due to a character 124a that moves or makes a sound by a member's touch. The size and position of the advertisement 129 displayed on the lock screen 121 may be set in various ways. The member can obtain a virtual currency of an amount calculated at a preset ratio with respect to the number of times the lock screen 121 is displayed and/or the number of touches of the character 124a. Alternatively, an icon (eg, a coin icon) may be displayed when the lock screen 121 is displayed, and when a member taps the icon, a virtual currency of an amount calculated at a preset rate may be obtained.

8 is a diagram illustrating a schedule management input window displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

A third example of a member's inputting action on the member terminal 10 may be an input to the schedule management input window 125a displayed on the use screen 122. The currency generator 120 may display the schedule management input window 125a on the member terminal 10 and may further display an advertisement 129. When a member enters a schedule in the schedule management input window 125a, it is possible to obtain a virtual currency of an amount calculated at a preset rate with respect to the schedule input.

In addition, the input schedule may be displayed together with the lock screen in the form of a schedule message while the member terminal 10 is locked. An advertisement 129 may be further displayed on the lock screen. The member terminal 10 displays an advertisement 129 and a schedule message together, and thus, the rejection of the advertisement 129 displayed on the lock screen may disappear. The size and position of the advertisement 129 displayed on the lock screen may be variously set. Members can obtain virtual currency of an amount calculated at a preset rate with respect to the number of times the lock screen is displayed on which a certain message is displayed, or display an icon (for example, a coin icon) when the lock screen 121 is displayed and the member When you click the icon, you can obtain a virtual currency of an amount calculated at a preset rate.

9 is a diagram illustrating a stop watch displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

A fourth example of a member's inputting action on the member terminal 10 may be an input to an input window of the stop watch 125b displayed on the use screen 122. Here, the stop watch 125b includes a timer and an alarm function. The currency generator 120 may display an input window of the stop watch 125b on the member terminal 10 and may further display an advertisement 129. When a member starts the stop watch 125b or inputs a timer time or an alarm time, it is possible to obtain a virtual currency of an amount calculated at a preset rate for use or input.

In addition, the timer end time and the alarm time may be displayed together with the lock screen in the form of a time message while the member terminal 10 is locked. An advertisement 129 may be further displayed on the lock screen. The advertisement 129 and the time message are displayed together on the member terminal 10, and thus, the rejection of the advertisement 129 displayed on the lock screen may disappear. The size and position of the advertisement 129 displayed on the lock screen may be variously set. Members can obtain virtual currency of an amount calculated at a preset rate with respect to the number of times the lock screen is displayed, or when the lock screen 121 is displayed, an icon (for example, a coin icon) is displayed and the member When you click this icon, you can obtain a virtual currency of an amount calculated at a preset rate.

10 is a diagram illustrating a calculator displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

A fifth example of a member's inputting action on the member terminal 10 may be an input to an input window of the calculator 125c displayed on the use screen 122. The currency generator 120 may display an input window of the calculator 125c on the member terminal 10 and may further display an advertisement 129. When a member enters a number in the input window of the calculator 125c, a virtual currency of an amount calculated at a preset rate for the input can be obtained.

11 is a diagram illustrating a voice notepad displayed on a member terminal of a virtual currency investment and distribution system according to an embodiment of the present invention.

A sixth example of a member's inputting action on the member terminal 10 may be a voice recording for the voice memo pad 125d displayed on the use screen 122. The currency generator 120 may display the voice notepad 125d on the member terminal 10 and may further display an advertisement 129. When a member records a voice on the voice notepad 125d, it is possible to obtain a virtual currency of an amount calculated at a preset rate for voice recording.

A seventh example of a member's inputting behavior to the member terminal 10 may be listening to a sound advertisement with a sound coming out of a lock screen or a use screen. When the currency generator 120 emits a sound advertisement from the member terminal 10 and automatically acquires virtual currency after a predetermined time, or when a member presses an icon (for example, a coin icon) that appears after a predetermined time, virtual currency When is obtained or the correct answer to the question is input by transmitting the answer to the question to the money generating unit 120 through text input or voice input with respect to the question transmitted by the money generating unit 120 in the middle of the sound advertisement You can get virtual currency.

When the virtual currency is accumulated in the member account in the manner described above, the member can invest the accumulated virtual currency (S140).

The virtual currency investment unit 140 may transmit an investment activation time and an investment target to the member terminal 10.

Investment activation time refers to the time that a member account can invest in an investment target, and the investment target refers to a target that a member account can invest in virtual currency, and there may be various types of investment targets. For example, an investment target can be a stock stock, and in this case, the investment activation time will be the time before the opening of the stock market.

At the time of investment activation, a member who logs in to the member account may divide part or all of the virtual currency accumulated in the member account into one or more investments for the selected investment target among the investment targets displayed on the member terminal 10. , The investment target and the amount of the investment may be input into the input window displayed on the member terminal 10.

The investment target is input to the virtual currency investment unit 140 through the member terminal 10 from the member account at the time of investment activation, and the amount of the investment amount of the virtual currency invested in the investment target may be transmitted. The investment money may be transmitted to the virtual currency investment unit 140 for one investment target multiple times from the member terminal 10 during the investment activation time, and each investment money may be transmitted to the plurality of investment targets.

When the investment activation time ends, the investment value of the investment object fluctuates. Taking the stock market as an example, the stock market will open and the stock price of a stock item will fluctuate. When the change in the investment value of the investment object ends, the investment value information collection unit 130 collects updated information on the investment value of the investment object (hereinafter referred to as “investment value change information”) before the distribution activation time, and returns It can be provided to the distribution 150 (S150). The information collected by the investment value information collection unit 130 is also provided to members. Take the stock market, for example, to collect information about the stock price of a stock item after the stock market closes.

The investment return distribution unit 150 may determine a member account belonging to the investment return distribution target and an investment return distribution based on the investment value change information transmitted from the investment value information collection unit 130 at the distribution activation time (S160). ). Here, the distribution activation time is a time that arrives after the investment activation time, and means a time that arrives after the investment value of the investment object is changed. For example, the stock market will be a predetermined time interval from the time the stock market is closed and the stock price is determined until the stock market opens the next day.

The investment return distribution unit 150 may determine to distribute some of the investment funds invested in all investment targets to some of the member accounts participating in the investment. Here, the investment funds to be distributed are the investment value of the investment object identified at the time of activation of the investment (hereinafter referred to as "first investment value") and the investment value of the investment object identified at the time of activation of the distribution (hereinafter referred to as the “second investment value”). Can be selected on the basis of the difference in investment value.

Taking the stock market as an example, the target of investment is a stock item, the investment value is the stock price of the stock item, and the investment activation time is a predetermined time interval between the stock market closing time on the first day and the stock market opening time on the second day. , The distribution activation time may be a predetermined time interval between the stock market closing time of the second day and the stock market opening time of the third day, and the difference in investment value is the stock price of the stock item on the first day and the stock price on the second day. It will be the difference between the stock price of the stock. This stock price difference value may be used as it is, but it may be converted into a stock price increase rate (a value obtained by dividing the stock price of the first day by the share price of the first day from the stock price of the second day). This will be described below.

The investment return distribution unit 150 determines a value obtained by dividing the value obtained by subtracting the first investment value from the second investment value for the investment targets (hereinafter referred to as “investment value increase rate”), and You can sort your investments in the order of the rate of increase.

The investment income distribution unit 150 invests member accounts in which investments belonging to the highest predetermined ratio (hereinafter referred to as "the ratio of investment income distribution") have been invested with respect to the investments sorted together according to the sorting order of the sorted investment targets. It can be determined by the accounts subject to profit distribution.

The investment income distribution unit 150 determines member accounts that have invested investments that do not belong to the ratio of the investment income distribution target, and all or part of the investments invested by the investment recovery target account are allocated to the investment income distribution target account. It can be determined by the distribution of the return on investment to be distributed among the fields.

The method of allocating the investment income distribution to the investment objects invested by the investment income distribution target accounts may be selectively used as follows.

(1) First place pre-allocation method

The investment return distribution unit 150 allocates an amount corresponding to a predetermined ratio of the investment return distribution (the first-ranked allocation rate) to the investment return distribution target accounts invested in the investment object with the largest increase in investment value, and the investment return distribution Excluding the amount corresponding to a predetermined ratio of, the remaining amount can be evenly allocated to the investment targets invested by the investment income distribution target accounts. The investment return distribution unit 150 may distribute the allocation amount allocated to each investment object from the investment income distribution to the investment income distribution target accounts according to a ratio of each investment amount occupied by the total investment amount invested in each investment object. .

(2) Equal allocation method

The investment profit distribution unit 150 may evenly allocate the investment profit distribution to the investment targets invested by the investment profit distribution target accounts. The investment income distribution unit 150 may distribute the allocations allocated to each investment object from the investment income distribution to the investment income distribution target accounts according to a ratio of each investment amount occupied by the total investments invested in each investment object.

(3) Variable allocation method

The investment return distribution unit 150 allocates the investment return distribution to the investment targets invested by the investment return distribution target accounts in the order of the increase rate of the investment value, but may allocate the allocated amount to gradually decrease as the increase rate of the investment value decreases. . The investment income distribution unit 150 may distribute the allocations allocated to each investment object from the investment income distribution to the investment income distribution target accounts according to a ratio of each investment amount occupied by the total investment amount invested in each investment object.

On the other hand, when distributing the amount allocated to each investment object to the accounts subject to investment income distribution according to the ratio of each investment amount to the total investment funds invested in each investment object, the accounts subject to investment income distribution and the accounts subject to investment recovery There may be cases where an investment is made in one investment object. In this case, the investment return distribution unit 150 arranges the investments of the investment target in the order of the time of the investment (the time when the investment target and the amount of the investment is transmitted to the virtual currency investment unit 140), and the sorting order According to this, the target account for which the ROI is distributed can be determined.

In another distribution method, the investment return distribution unit 150, when the investment income distribution target accounts and the investment recovery target accounts invest in one investment target, all member accounts that have invested the investment funds invested in the investment target. May be determined as the accounts for which the ROI is distributed.

The virtual currency management unit 160 transfers the virtual currency accumulated in the member account from the member account to the virtual currency investment unit 140 to be used as an investment, or virtual currency distribution from the virtual currency investment unit 140 to the member account. It can be transmitted in money (S170). The virtual currency management unit 160 may convert the virtual currency into real currency at a predetermined exchange rate and transfer it to the members' financial accounts. However, it is not possible to convert real money into virtual currency.

Hereinafter, an easy example of investment and distribution using a virtual currency investment and distribution system according to an embodiment of the present invention will be described.

12 is an example of the investment and distribution of the virtual currency investment and distribution system according to an embodiment of the present invention, and shows a state before sorting in the order of the increase rate of investment value. FIG. 13 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows a state in which an account subject to investment return distribution is selected by arranging the data of FIG. 12 in the order of an increase in investment value.

Assume that member accounts have invested in 8 stocks (stock 1 to item 8).

As shown in FIG. 12, the sum of the investments invested in item 1 by member accounts in virtual currency during the investment activation time between the stock market closing time on the first day and the stock market opening time on the second day is a total of 1,400, The sum of investments invested in Item 2 is 1,300, the sum of investments invested in Item 3 is 600, the sum of investments invested in Item 4 is 900, and the total investments invested in Item 5 is 500 And, the sum of investments invested in item 6 is 2,700, the sum of investments invested in item 7 is 1,600, the sum of investments invested in item 8 is 1,000, and the sum of investments in all stocks is 10,000 to be.

In the distribution activation time after the stock market closing time of the second day, the investment return distribution unit 150 calculates the difference in investment value obtained by subtracting the investment value of the first day (stock price) from the investment value of the second day (stock price), The investment value increase rate (stock price increase rate), which is a percentage value obtained by dividing the investment value difference value by the investment value (stock price) on the first day, is calculated, and as shown in FIG. 13, the investment value increase rate (stock price increase rate) is arranged in order.

If the ratio of the investment income distribution target is set to 50%, member accounts that invest investments per item belonging to the top 50% of the total investments per item arranged in FIG. 13 are determined as investment income distribution target accounts. Here, the member accounts invested in item 5, item 3, item 1, item 7 and item 4 will be the target accounts for distribution of investment income.

On the other hand, member accounts that invested investments per item that do not fall within 50% of the investment income distribution target ratio become the accounts subject to investment recovery, and 1,000 invested in item 8, 2,700 invested in item 6, and 1,300 invested in item 2 All are recovered by the investment return distribution unit 150 and distributed to the investment return distribution target accounts as investment income distribution.

14 is an example of the investment and distribution of the virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total amount of allocation per item calculated by the first-ranked pre-allocation method based on the data of FIG. 13. FIG. 15 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 14.

The case of using the first-ranked pre-allocation method among distribution methods of investment income distribution will be described. If the 1st place allocation ratio is set to 30%, as shown in FIG. 14, 1,500, which is 30% of the investment income distribution of 5,000, is allocated to item 5, which is the number one stock. In addition, 3,500, the remaining amount of the investment income distribution, is equally allocated 875 to the stocks invested by the accounts subject to investment income distribution (stock 3, stock 1, stock 7, and 4). As shown in FIG. 15, the allocation amount per item allocated in this way is distributed according to the investment ratio of member accounts invested in each item (stock 5, stock 3, stock 1, stock 7, and 4). 1,230 and 270 are distributed to member account A (82% investment ratio) and member account B (18% investment ratio) invested in item 5, respectively. The amount of distribution of other member accounts is as shown in FIG. 15.

FIG. 16 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total amount of allocation per item calculated by an equal allocation method based on the data of FIG. 13. 17 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 16.

The case of using the equal allocation method among the distribution methods of the distribution of investment income will be described. Since the equal allocation ratio is 5 stocks, it is set at 20%, and as shown in Fig.16, 20% of the investment income distribution for each of the five stocks (stock 5, stock 3, stock 1, stock 7, and 4) 1,000 is allocated. As shown in FIG. 17, the allocation per item allocated in this way is distributed according to the investment ratio of member accounts invested in each item (stock 5, stock 3, stock 1, stock 7, and 4). Member account A (82% investment ratio) and member account B (18% investment ratio) invested in item 5 will receive 820 and 180, respectively. The amount of distribution of other member accounts is as shown in FIG. 17.

FIG. 18 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows the total number of allocations per item calculated by a variable allocation method based on the data of FIG. 13. FIG. 19 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 18.

It describes the case of using the variable allocation method among the distribution methods of the distribution of investment income. The variable allocation ratio is set at 32.78%, 24.59%, 18.44%, 13.83%, and 10.37%, respectively, to decrease by 25% for 5 stocks (Stock 5, Stock 3, Stock 1, Stock 7, and 4). As shown in Fig. 18, 5 stocks (Stock 5, Stock 3, Stock 1, Stock 7, Stock 4) are respectively 1,639.00 (32.78% of the investment income distribution) of 5,000, 1,229.50 (24.59% of 5,000) and 922.00 (18.44% of 5,000) 922.00 The allocation is 691.50, which is 13.83% of 5,000, and 518.00, which is 10.37% of 5,000. As shown in FIG. 19, the allocation amount per item allocated in this way is distributed according to the investment ratio of member accounts that have invested in each item (item 5, item 3, item 1, item 7, item 4). 1,343.98 and 295.02 are distributed to member account A (82% investment ratio) and member account B (18% investment ratio) invested in item 5, respectively. The amount of distribution of other member accounts is as shown in FIG. 19.

20 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, based on the data of FIG. Shows the total amount of allotment. 21 is an example of investment and distribution of a virtual currency investment and distribution system according to an embodiment of the present invention, and shows distributions for each member account calculated based on the data of FIG. 20.

When distributing the quota allocated to each stock to the accounts subject to investment income distribution according to the ratio of the investments per item to the total investments per item invested in each stock, the accounts subject to investment income distribution and the accounts subject to investment recovery are one. Explains the case of investing in the target of investment.

If the ratio of the investment income distribution target is set to 50%, member accounts that invest investments per item belonging to the top 50% of the total investments per item arranged in FIG. 20 are determined as investment income distribution target accounts. In this case, member accounts invested in item 5, item 3, item 1, and item 7 will be the accounts subject to investment income distribution, and some of the member accounts invested in item 4 (corresponding to the total investment amount per item 500) will be the investment return distribution. It will be the target account, but some (corresponding to the total amount of investment per item 100) will be the target account for investment recovery. The member accounts shown in FIG. 21 are arranged in the order of investment timing. Looking at item 4, member account L invested in item 4 faster than member account M, and member account M invested in item 4 faster than member account N. Was done. Out of 600 total investments per item invested in item 4, member account L (investment 100) and member account M (investment 400) with the earliest investment will be determined as the target account for distribution of investment returns, and member account N (investment 100) will be the investment amount. It is determined by the account subject to recall

Accordingly, member account L receives 175, which is 20% of the quota 875 for item 4, and member account M receives 700, which is 80% of the quota 875 for item 4, but member account N receives the distribution of investment income. Without receiving, the investment 100 invested in item 4 is recovered by the investment return distribution unit 150.

As another distribution method, in the case of Fig. 20, all of the member account L (investment 100), member account M (investment 400), and member account N (investment 100) may be selected as the target account for distribution of investment income for item 4. .

The method described above exemplifies the use of all investments that do not belong to the ratio to which the investment return is distributed, but some of the investments that do not belong to the ratio to which the investment return is to be distributed is subtracted from the system usage fee and the remaining amount is used as the investment return. It can also be used as a distribution.

Members are able to increase the virtual currency accumulated in the member account by investing the virtual currency acquired through the virtual currency investment and distribution system 100 into an investment target and receive the investment profit distribution. Even if it is recovered, there is no loss to the members' real property, so a safe investment is possible.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer, and the written program can be stored in a medium.

The medium may continuously store a program executable by a computer, or temporarily store a program for execution or download. In addition, the medium may be a variety of recording means or storage means in a form in which a single piece of hardware or several pieces of hardware are combined. The medium is not limited to a medium directly connected to a computer system, but may be distributed on a network. Examples of media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, And there may be ones configured to store program instructions, including ROM, RAM, flash memory, and the like. In addition, examples of other media include an app store that distributes applications, a site that supplies or distributes various software, and a recording medium or a storage medium managed by a server.

Above, the technical idea of the present invention has been described in detail with reference to preferred embodiments, but the technical idea of the present invention is not limited to the above embodiments, and those skilled in the art within the scope of the technical idea of the present invention Various modifications and changes are possible by the user.

10: Member terminal
20: network
100: virtual currency investment and distribution system
110: member account management department
120: currency generator
130: investment value information collection unit
140: Virtual Currency Investment Department
150: Investment return distribution
160: Virtual Currency Management Department

Claims (6)

In a virtual currency investment and distribution system connected to a member terminal,
A virtual currency investment unit for inputting an investment target from a member terminal and inputting an amount of the investment amount invested in the investment target at the investment activation time; And
An investment income distribution unit that determines a member account belonging to an investment income distribution target and an investment income distribution at a distribution activation time that arrives after the investment activation time; And
In response to the input behavior of the member terminal connected to the member account, it includes a currency generator that generates virtual currency and accumulates it in the member account,
The ROI distribution unit,
It is decided to distribute some of the investments invested in all investment targets to some of the member accounts that participated in the investment,
The investments to be distributed are,
The difference in the investment value between the investment value of the investment object identified at the time of activation of the investment (hereinafter referred to as the "first investment value") and the investment value of the investment object identified at the time of activation of the distribution (hereinafter referred to as the "second investment value"). It is selected on the basis of
The ROI distribution is
For the investment targets, the value obtained by subtracting the first investment value from the second investment value, divided by the first investment value, is determined as the rate of increase in investment value, and the investment targets are sorted in the order of the rate of increase in investment value,
Member accounts that have invested investments belonging to the upper predetermined ratio of investments sorted according to the sorted investment targets (hereinafter referred to as "investment profit distribution target ratio") are determined as investment income distribution target accounts,
Member accounts that have invested investments that do not belong to the ratio of the investment income distribution target are determined as the accounts subject to recovery
All or part of the investment invested by the account subject to investment recovery is determined as the distribution of investment income to be distributed to the accounts subject to distribution of investment income,
Investment funds may be transmitted to the virtual currency investment department multiple times for one investment object from the member terminal during the investment activation time,
The currency generator generates virtual currency in the state of the lock screen on which the advertisement of the member terminal is displayed,
The currency generator drives the sound advertisement with sound from the member terminal and transmits a sound question in the middle of the sound advertisement. Virtual currency investment and distribution system, characterized in that to generate money.
The method of claim 1,
The ROI distribution is
A virtual currency investment and distribution system, characterized in that the distribution of investment income is evenly allocated to the investment objects invested by the investment income distribution target accounts.
The method of claim 2,
The ROI distribution is
A virtual currency investment and distribution system, characterized in that the allocation amount allocated to each investment object from the investment income distribution is distributed to the accounts subject to investment income distribution according to a ratio of each investment amount to the total investment amount invested in each investment object.
The method of claim 1,
The ROI distribution is
A virtual currency investment and distribution system, characterized in that the distribution of investment returns is allocated to the investment targets invested by the accounts subject to distribution of investment returns in the order of the rate of increase in investment value, but the allocated amount is allocated to gradually decrease as the rate of increase in investment value decreases. .
The method of claim 4,
The ROI distribution is
A virtual currency investment and distribution system, characterized in that the allocation amount allocated to each investment object from the investment income distribution is distributed to the accounts subject to investment income distribution according to a ratio of each investment amount to the total investment amount invested in each investment object.
The method of claim 1,
The ROI distribution is
If the accounts subject to investment income distribution and the accounts subject to investment recovery have invested in one investment subject, it is recommended to sort the investments in the investment subject in the order of the earliest investment timing, and to determine the account subject to the investment return distribution according to the sort order. Virtual currency investment and distribution system characterized by.

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