KR20220167539A - Method and apparatus for matching investment using demand deposit through online - Google Patents

Abstract

A method and device for performing an investment matching method using a demand deposit are disclosed. The device for performing an investment matching method using a demand deposit may comprise: an investor registration unit that registers multiple investors in advance by linking with investor terminals; an investment requiring company management unit that manages investment conditions depending on an investment request from an investment requiring company; an investor selection unit that determines an investor for the investment requiring company from among the registered investors; a remittance processing unit that transmits a remittance request message requesting to remit investment from a demand deposit account of the determined investor to a financial server; and a profit settlement unit that receives profit details from the financial server and transmits the remittance request message to the financial server requesting to remit profits to the demand deposit account of the investor according to the received profit details. Accordingly, by utilizing fintech, a user can be provided with high returns through investment while maintaining the constant fund deposit/withdrawal function, which is an advantage of a demand deposit.

Description

Investment matching method and device using online demand deposit {METHOD AND APPARATUS FOR MATCHING INVESTMENT USING DEMAND DEPOSIT THROUGH ONLINE}

The present invention relates to a method and apparatus for matching investment funds, and more particularly, to a method and apparatus for matching investment funds using demand deposits online.

As information and communication technology (ICT) spreads rapidly, so-called fintech services incorporating information and communication technology are actively used in the financial field. For example, traditional financial institutions such as banks use mobile applications to support real-time balance management and easy remittance of all accounts.

Recently, as fintech companies such as Kakao and Toss have entered the financial market, which was limited to banks, advanced fintech technology is used to manage credit card usage, manage discount coupons, and accumulate points. is provided so that many users can conveniently use financial services.

In particular, some fintech companies present various investment products online and support users to directly invest some of the funds remaining in their deposit balance in the presented investment products.

However, in this case, it is difficult to make an easy investment decision and difficult to recover the investment because the invested individual has to bear all the investment risks of each of the investment products.

In addition, financial companies that raise funds usually raise investment funds by using corporate bonds and trade receivables, but since the funds raised in this way do not necessarily match the loan company's demand for funds, interest rate risks and inefficiency in managing idle funds, etc. this is happening

On the other hand, a demand deposit is a deposit that can be paid at any time upon the request of the depositor, and has liquidity similar to that of cash. can

These demand deposits are widely used by users who want to minimize investment risk as they can stably manage their cash equivalents. It is difficult to convert funds stored in demand deposits into investment money easily because financial institutions must pay users money according to demand deposits at any time.

An object of the present invention to solve the above problems is a new type of investment matching method that can provide users with high returns through investment while maintaining the regular deposit and withdrawal function, which is an advantage of demand deposit, by utilizing Fintech. and to provide an apparatus.

In addition, as a demand company that has been provided with investment funds, it is possible to receive funds in real time and reduce the cost of raising investment funds, thereby reducing the risk of fund operation.

In addition, since it is possible to raise large-scale funds using a large number of investors using demand deposits by avoiding the burden of high interest rates that can normally occur when raising large-scale funds, it is possible for companies in demand to raise investments at relatively lower interest rates than conventional methods. There are advantages to being able to

In addition, fintech technology enables a new investment fund procurement business using demand deposits, so a new profit model can be provided to companies that broker investment matching according to investment requests.

One aspect of the present invention for achieving the above object provides an apparatus for performing an investment matching method using a demand deposit.

The apparatus for performing the investment matching method using the demand deposit includes an investor registration unit that registers a plurality of investors in advance in conjunction with investor terminals; Investment demand company management department that manages the investment conditions according to the investment request of the investment demand company; an investor selection unit for determining an investor for the company demanding investment from among the registered investors; a remittance processing unit that transmits a remittance request message requesting remittance of investment from the determined investor's demand deposit account to a financial server; and a proceeds settlement unit for receiving details of the proceeds from the financial server and transmitting a remittance request message to the financial server requesting remittance of proceeds to the investor's demand deposit account according to the received details of the proceeds.

The investor registration unit may receive investor information corresponding to each of the investors from the investor terminals and verify the received investor information.

The investor information may include at least one of the account number and deposit amount for the demand deposit account of each of the investors, the name of the investor, the investor's resident registration number, the desired rate of return (or interest), the desired investment period, and whether withdrawal is permitted during the period. there is.

The investment condition may indicate at least one of a total amount of investment, a rate of return that can be provided, and a period of repayment of the investment.

The investor selection unit may include an investment offer unit that selects at least one candidate investor among registered investors using the investor information and the investment conditions and transmits an offer message to an investor terminal of the selected candidate investor.

The investor selection unit receives a withdrawal request for its demand deposit account from at least one investor terminal among investors who provided funds, and selects a subsequent investor to replace the investor according to the withdrawal request from among the registered investors A follow-up investor selection unit may be further included.

In the case of using the investment matching method and device according to the present invention as described above, it is possible to provide users with high returns through investment while maintaining the regular fund deposit and withdrawal function, which is an advantage of demand deposit, by utilizing fintech.

1 is a schematic diagram illustrating an environment in which an investment matching method using a demand deposit is performed online according to an embodiment of the present invention.
Figure 2 is a block diagram showing the functional components of the investment matching server according to Figure 1.
FIG. 3 is a diagram showing an offer message provided by the investment offer unit according to FIG. 2 by way of example.
4 is an exemplary diagram for explaining in detail the operation of the subsequent investor selection unit according to FIG. 2 .
5 is an exemplary view for explaining the operation of the remittance processing unit according to FIG. 2 .
6 is a diagram showing the hardware configuration of an investment matching server according to an embodiment by way of example.

Since the present invention can make various changes and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. Like reference numerals have been used for like elements throughout the description of each figure.

Terms such as first, second, A, and B may be used to describe various components, but the components should not be limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention. The terms and/or include any combination of a plurality of related recited items or any of a plurality of related recited items.

It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be. On the other hand, when an element is referred to as “directly connected” or “directly connected” to another element, it should be understood that no other element exists in the middle.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, the terms "include" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, they should not be interpreted in an ideal or excessively formal meaning. don't

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram illustrating an environment in which an investment matching method using a demand deposit is performed online according to an embodiment of the present invention.

Referring to FIG. 1 , the investment matching method using demand deposits can be performed by the apparatus 100 for performing the investment matching method using demand deposits, and the apparatus 100 for performing the investment matching method using demand deposits. ) May be abbreviated as investment matching server 100 for convenience of description below.

The investment matching server 100 may operate in conjunction with the operation server 400 of the company requiring investment, the investor terminal 200, and the financial server 300 using a wired or wireless network.

The operating server 400 of a company that requires investment is a server operated by a company that has a demand for investment, and requests an investment from the investment matching server 100, and the financial institution's finance associated with the investment matching server 100. Investment money may be remitted from the server 300 .

The financial server 300 may be a server that manages deposit and withdrawal details of demand deposit accounts owned and opened by each investor in various banks and performs remittance (or transfer) or deposit and withdrawal. That is, the financial server 300 may be an operating server of a financial company such as a bank. The financial server 300 may perform remittance (or transfer) of a free deposit and withdrawal account opened by an investor of the investor terminal 200 in association with the investment matching server 100 in advance.

Investor terminal 200, as a wireless communication terminal that each individual investor owns or actually uses, an application implemented to work with the investment matching server 100 may be pre-installed. Hereinafter, the operation of the investor terminal 200 may be understood as the operation of such a pre-installed application.

For example, the investor terminal 200 may include a communicable desktop computer, a laptop computer, a notebook, a smart phone, a tablet PC, and a mobile phone. ), smart watch, smart glass, e-book reader, portable multimedia player (PMP), portable game device, navigation device, digital camera, digital multimedia broadcasting (DMB) It may be a player, a digital audio recorder, a digital audio player, a digital video recorder, a digital video player, a personal digital assistant (PDA), and the like.

The investment matching server 100 cooperates with the manager (ie, bank) of the financial server 300 in advance to receive and manage the deposit and withdrawal details of the demand deposit account owned by each investor from the financial server 300 in real time, By requesting remittance or deposit/withdrawal to the financial server 300 , remittance or deposit/withdrawal of the demand deposit account owned by each investor can be performed through the financial server 300 .

For example, the investment matching server 100 is an operating server such as Kakao, Toss, Banksalad, or various credit card companies that perform various fintech businesses in conjunction with banks. can be

The investment matching server 100 may pre-register investors in conjunction with the investor terminals 200 . For example, each of the investors accesses the investment matching server 100 using their investor terminal 200 and proceeds with membership registration and investor registration procedures, and the investment matching server 100 performs membership registration and investor registration. Each investor can be registered by creating a database of investor information for each of the investors who have completed the approval process for the procedure.

In the investor registration procedure, the investor terminal 200 provides investor information to the investment matching server 100, and the investment matching server 100 performs verification of the provided investor information to the investor of the investor terminal 200. can register.

For example, the investor information may include the account number and deposit amount of the investor's demand deposit account, the investor's name, the investor's resident registration number, the desired rate of return (or interest), the desired investment period, whether withdrawal is permitted during the period, etc. Here, whether to allow mid-term withdrawal may indicate whether the investor is allowed to withdraw at least a part of the amount deposited in his or her demand deposit account after the investment is progressed. Investors who are checked as allowing early withdrawal may be able to withdraw from the demand deposit where the investment has been made, and investors who have been checked as not being able to withdraw early may not be able to withdraw from the demand deposit where the investment has been made. there is. However, whether or not to allow midterm withdrawal is not necessarily determined by receiving information from the investor as one of the investor information, and may be set in advance in the investment matching server 100 for each individual investor so that withdrawal is possible or impossible after the investment is made.

The investment matching server 100 may receive a request message requesting an investment from the operation server 400 . Here, the request message may include the number of investments and investment conditions corresponding to each of the investments, and the investment conditions may indicate at least one of the total amount of the investment, the rate of return (or interest) that can be provided, and the period of repayment of the investment. can That is, the operation server 400 may individually present investment conditions for a plurality of investment cases and receive investment funds by matching investors for each investment case. In the case of the method of matching investors for each investment case, there is less concern about generating idle funds and less risk of loss due to interest rate differences than in the case of raising investment funds by recruiting investors for the total amount of investment. In particular, it can be useful when the consuming company is a credit card company that operates its own loan products for each case.

The investment matching server 100 selects at least one of the previously registered investors as a candidate investor using investor information and investment conditions for each investment case, and invests the selected candidate investor in the investor terminal 200. An offer message presenting conditions may be transmitted.

That is, in one embodiment of the present invention, unlike the current investment method in which an investor selects a company in demand to invest, the investment matching server 100 on behalf of the company in demand provides investment money in consideration of investor information and investment conditions. Investors who are favorable to receive are selected as candidate investors and sent as push messages. In other words, it is advantageous to receive investment from investors who meet the needs and conditions of the investment demander because the consuming company selects the candidate investor in a kind of reverse auction method in which the investor selects the investor that best matches the use of the investment and the rate of return on the investment.

Upon receiving the push message, the investor terminal 200 of the candidate investor may transmit an approval message permitting investment conditions and investment remittance to the investment matching server 100 according to the input of the candidate investor.

The investment matching server 100 determines a candidate investor of the investor terminal 200 that has transmitted the approval message as an investor, and sends a remittance request message requesting remittance of the investment from the determined investor's demand deposit account to the financial server 300. can transmit

The financial server 300 may perform a procedure of withdrawing the investment from the investor's demand deposit account and depositing the investment into the account of the company demanding the investment according to the transfer request message. For example, the financial server 300 may withdraw the investment from the investor's demand deposit account, transfer the money to an account designated by the investment matching server 100, and deposit the investment from the remitted account to the account of the company demanding the investment. there is. Here, the account designated by the investment matching server 100 is an account managed by the same bank as the account of the company demanding the investment (that is, an account that can be transferred to the bank without a transfer fee and is managed by the manager of the investment matching server 100). can be).

On the other hand, the investment demand company can deposit the proceeds (or interest) according to the investment into an account designated by the investment matching server 100, and the financial server 300 provides details of the deposited proceeds to the investment matching server 100 can do.

The investment matching server 100 refers to the details of the proceeds and transmits a remittance request message requesting the transfer of proceeds to the investor's demand deposit account to the financial server 300, and the financial server 300, the investor's demand deposit account Proceeds can be processed by remittance.

As such, the investment matching server 100 according to an embodiment of the present invention enables investors who have opened a demand deposit account to invest in the amount deposited in the demand deposit account by intermediary between the company and the investor requiring the investment. It provides investors with high investment returns through the account, and enables companies in demand for investment to attract investment at a relatively lower interest rate than before.

Hereinafter, the operation of the investment matching server 100 will be described in detail with reference to each drawing.

Figure 2 is a block diagram showing the functional components of the investment matching server according to Figure 1. FIG. 3 is a diagram showing an offer message provided by the investment offer unit according to FIG. 2 by way of example.

Referring to FIG. 2, the investment matching server 100 includes an investor registration unit 101, an investment demand company management unit 102, an investor selection unit 103, a remittance processing unit 104, and a proceeds settlement unit 105. can do.

The investor registration unit 101 may register a plurality of investors in advance in conjunction with the investor terminal 200 . Specifically, the investor registration unit 101 may perform verification on investor information provided from each of the investor terminals 200 and register the investor of the investor terminal 200 that provided the verified investor information.

The investment demand company management unit 102 may manage investment conditions according to the investment request of the investment demand company. In one embodiment, the investment demand company management unit 102 receives a request message requesting an investment from the operation server 400 of the investment demand company, the number of investments included in the received request message, and each investment case. It is possible to decide whether or not to invest in a company that is in demand for investment by using the investment conditions corresponding to .

For example, the investment demand company management unit 102 sends a condition change message requesting a change to at least a part of the total amount of the investment indicated by the investment conditions, the rate of return (or interest) that can be provided, and the investment repayment period to the operation server 400 ), and by receiving an approval message for the condition change message from the operation server 400, it is possible to determine whether to invest.

That is, the investment demand company management unit 102 communicates with the operation server 400 to transmit a condition change message so that procedures such as lowering the total amount of investment or increasing the rate of return can be performed by negotiating with the investment demand company.

Investor selection unit 103, among the registered investors, may determine an investor for the investment demand company that the investment demand company management unit 102 has decided to invest.

More specifically, the investor selection unit 103 selects at least one candidate investor among registered investors using investor information and investment conditions for each of the investment cases, and the investor terminal 200 of the selected candidate investor. ) may include an investment offer unit 103a for transmitting an offer message.

The investment offer unit 103a includes at least one of the total amount of the investment indicated by the investment conditions, the rate of return that can be provided, and the period of repayment of the investment, the average balance of each registered investor's demand deposit account, the desired rate of return, and the desired investment period A candidate investor may be selected by comparing with at least one of the above. Here, the average balance may be calculated by collecting the deposit amount included in the investor information in real time, or may be obtained by being provided from the financial server 300 .

For example, the investment offer unit 103a may select, as candidate investors, an investor whose rate of return that can be provided exceeds the desired rate of return and whose investment repayment period is shorter than the desired investment period.

Also, the investment offer unit 103A may select an investor having an average balance exceeding a threshold average balance as a candidate investor. For example, the critical average balance may be determined as a larger value (or a value proportional to the total amount of investment) as the total amount of investment increases, and the ranking of the candidate investor may be set higher as the average balance increases.

On the other hand, the average balance may be an average value of deposit amounts from the present time to a past point in proportion to one of the investment redemption period or the desired investment period, and more specifically, to the past point set equal to the investment redemption period or the desired investment period. may be the average value of the deposit amount of

Optionally, the process of selecting candidate investors in consideration of the average balance is performed when the number of investors whose return rate that can be provided exceeds the desired rate of return and whose investment repayment period is shorter than the desired investment period is greater than the preset threshold number of investors. can be performed

At this time, for the critical number of investors, the sum of all deposits in the demand deposit accounts of investors whose rate of return exceeds the desired rate of return and whose repayment period is shorter than the desired investment period exceeds the total amount of investment and the preset buffer investment amount. It can be determined by the number of investors at the time. The buffer investment amount is a buffer amount set in case a candidate investor refuses to approve the investment, and may be determined according to a statistically calculated approval rejection rate for the candidate investors.

In addition, the investment offer unit 103A may select an investor whose rate of return that can be provided exceeds the desired rate of return and whose investment repayment period is greater than the desired investment period as a candidate investor. That is, even if the investment repayment period is longer than the desired investment period, since the existing investor can be replaced by a follow-up investor, it may be possible to configure the candidate investor to be selected if the desired rate of return is exceeded.

Referring to FIG. 3, the investor terminal 200 receiving the offer message is at least part of the total amount of the investment indicated by the investment conditions, the rate of return (or interest) that can be provided, and the period of redemption of the investment (ie, the expected return on investment, the investment period = Investment repayment period) and at least part of investor information (account number, account balance, etc.) can be displayed to candidate investors.

At this time, when the candidate investor provides the investor terminal 200 with an input indicating approval of the investment conditions (for example, an input for selecting a 'yes' answer to the reservation transfer as shown in FIG. 3), the investor terminal 200 ) may transmit an approval message allowing investment conditions and investment remittance to the investment offer unit 103a.

The investment offer unit 103a may determine a candidate investor according to the investor terminal 200 that has transmitted the approval message as an investor for a company requiring investment.

On the other hand, the investor selection unit 103 receives a withdrawal request for its demand deposit from at least one investor terminal 200 among investors who provided investment money, and replaces the investor according to the withdrawal request among registered investors. It may further include a follow-up investor selection unit 103b for selecting a follow-up investor to do.

That is, when at least one of the investors who provided the investment wants to withdraw the withdrawal amount corresponding to at least a part of their deposit, so that the regular withdrawal function according to the demand deposit can be maintained, the subsequent investor selection unit 103b , 1st through n (n is a natural number greater than or equal to 2) who will provide investment funds corresponding to the withdrawal amount to investors who want to withdraw can be selected.

For example, the subsequent investor selection unit 103b receives a withdrawal request for its demand deposit from at least one investor terminal 200 among investors who have provided investment money, and responds to the withdrawal request among registered investors. A primary follow-up investor may be selected to replace the investor.

In the same way, the subsequent investor selection unit 103b receives a withdrawal request for its demand deposit from at least one investor terminal 200 among i-th subsequent investors who have provided investment money, and withdraws from registered investors. Upon request, it is possible to select i+1 (i+1 is a natural number equal to n) second follow-up investor to replace the i-th follow-up investor.

In this way, the subsequent investor selection unit 103b continuously invests or invests until the expiration of the investment period to provide a regular withdrawal function not only to the first investor, but also to some of the investors or subsequent investors who can replace the first investor. Subsequent investors may select the next follow-up investors.

At this time, the subsequent investor selection unit 103b may or may not operate by referring to the investor information on the investor of the investor terminal 200 that has received the withdrawal request. For example, the subsequent investor selection unit 103b may operate only when whether to allow midterm withdrawal is checked as 'permitted' by referring to investor information about the investor of the investor terminal 200 that has received the withdrawal request. .

In addition, the follow-up investor selection unit 103b may select an affiliated bank instead of registered investors as a follow-up investor to replace the investor in response to the withdrawal request. In this case, the subsequent investor selection unit 103b checks whether the affiliated bank will pay the investment instead of the follow-up investor in conjunction with the financial server 300, and when it is decided that the affiliated bank will pay the investment instead (or If it is set in advance by the manager to select an affiliate bank as a follow-up investor), the affiliate bank can be selected as a follow-up investor.

In addition, the follow-up investor selection unit 103b may select an investor designated by an affiliated bank instead of registered investors as a follow-up investor to replace the investor in response to the withdrawal request. In this case, the follow-up investor selection unit 103b interworks with the financial server 300 to request information on an investor designated by the affiliated bank, receives information on the designated investor, and receives the follow-up investor based on the received information. can be selected.

In addition, the follow-up investor selection unit 103b may select an investment-demanding company instead of the registered investors as a follow-up investor to replace the investor in response to the withdrawal request. In this case, the subsequent investor selection unit 103b interlocks with the operation server 400 to check whether the investment demand company will pay the investment instead as a follow-up investor, and if it is determined that the investment demand company pays the investment instead (Or if it is set to select an affiliated bank as a follow-up investor by the manager in advance), the investment-demanding company can be selected as a follow-up investor. Here, the meaning that the investment-demanding company is selected as a follow-up investor can also be interpreted as meaning that the investment-demanding company gives up the investment amount corresponding to the withdrawal amount and directly returns the investment amount corresponding to the withdrawal amount to the investor who requested the withdrawal. there is.

In addition, the follow-up investor selection unit 103b may select a management company of the investment matching server 100 instead of registered investors as a follow-up investor to replace the investor in response to the withdrawal request. In other words, when a withdrawal request occurs, the manager may return the investment in an amount corresponding to the withdrawal amount.

The remittance processing unit 104 may transmit a remittance request message requesting remittance of the investment from the determined investor's demand deposit to the financial server 300 . Accordingly, the financial server 300 deposits the investment money from the investor's demand deposit account to the company demanding the investment money and executes the actual investment money.

At this time, the remittance processing unit 104, when a subsequent investor replacing the determined investor is selected, sends a remittance request message requesting the transfer of the investment corresponding to the investor's withdrawal amount from the demand deposit of the subsequent investor to the investor's demand deposit account. It can be transmitted to the financial server (300).

In other words, since the withdrawal amount of the existing investor to be replaced is processed to be deposited into the existing investor's demand deposit account from the demand deposit account of the subsequent investor, the demand deposit account of the investor and the investor can be replaced without the need to recover the investment from the demanding company. The subsequent investor's investment can be treated as executed only by processing the remittance between the demand deposit accounts of the subsequent investor.

The proceeds settlement unit 105 receives the details of the proceeds from the financial server 300, and sends a remittance request message to the financial server 300 requesting to transfer the proceeds to the demand deposit account of the investor or subsequent investor according to the details of the received proceeds. can be sent to Here, the details of the proceeds may include details of deposit deposited into a designated account of the financial server 300 (an account owned by the manager of the investor matching server 100).

At this time, the proceeds settlement unit 105 calculates the proceeds up to the time of withdrawal of the existing investors when a subsequent investor (second to nth subsequent investors) replacing the existing investor is selected in the subsequent investor selection unit 103b. A request may be made to the financial server 300 to remit money to the investor's demand deposit account, and a starting point for settlement of proceeds of the subsequent investor may be set.

4 is an exemplary diagram for explaining in detail the operation of the subsequent investor selection unit according to FIG. 2 .

Referring to FIG. 4, when the subsequent investor selection unit 103b receives a withdrawal request from the investor terminal 210 of the first investor among investors who have provided investment money so that the regular withdrawal function according to the demand deposit can be maintained. , among registered investors, a primary follow-up investor may be selected to replace the first investor following a withdrawal request.

Specifically, the subsequent investor selection unit 103b, among the registered investors, the rate of return that can be provided exceeds the desired rate of return and the investment repayment period is shorter than the desired investment period as the primary candidate follow-up investor that replaces the first investor. can decide

In addition, the subsequent investor selection unit 103b, even if the investment redemption period is longer than the desired investment period, among the registered investors, the investor whose rate of return that can be provided exceeds the desired rate of return as the first candidate follow-up investor that replaces the first investor. can decide

In addition, the subsequent investor selection unit 103b may determine an investor having an average balance exceeding a threshold average balance as a first candidate follow-up investor.

In addition, when the subsequent investor selection unit 103b receives a withdrawal request from the investor terminal 210 of the first investor among the investors who provided the investment, an investor who has the same bank account as the first investor among the registered investors. The primary candidate can be determined as a follow-up investor. In this way, if a follow-up investor is selected as an investor with the same bank account as the first investor, the advantage of returning the investment from the follow-up investor's demand deposit account to the first investor's demand deposit account without the burden of commission is through self-transfer method. have In this case, whether or not the first investor holds the same bank account as the criterion for selecting the subsequent investor may be applied as the highest priority.

That is, the criteria for selecting subsequent investors may be applied in the same manner as the above-mentioned criteria for selecting investors, but the investors who are ranked next to the first investor according to the ranking of the investors selected in the previous investment offer unit 103a are classified as 1. It can also be decided as a secondary candidate follow-up investor. In addition, an investor having the most similar investor information (eg, desired rate of return, desired investment period, average balance) to the investor requesting withdrawal may be determined as the primary candidate follow-up investor.

When the first candidate follow-up investor is determined, the follow-up investor selection unit 103b transmits an offer message to the investor terminal 220 of the selected first candidate follow-up investor, and from the investor terminal 220 of the first candidate follow-up investor. An approval message for investment conditions included in the offer message may be received.

The subsequent investor selection unit 103b may determine the first candidate follow-up investor according to the investor terminal 220 of the first candidate follow-up investor that has transmitted the approval message as the first follow-up investor to replace the existing first investor.

The remittance processing unit 104 may transmit, to the financial server 300, a remittance request message requesting remittance of an investment corresponding to the withdrawal amount of the first investor from the demand deposit of the first follow-up investor to the demand deposit account of the first investor. there is.

For example, when the financial server 310 of the first investor and the financial server 320 of the first follow-up investor are managed by different banks (ie, the first investor and the first follow-up investor have demand accounts of different banks). ), the remittance processing unit 104 may transmit a remittance request message to the financial server 310 of the first investor.

In addition, when the subsequent investor selection unit 103b receives a withdrawal request for its demand deposit from the investor terminal 220 of the first follow-up investor who provided the investment, the first follow-up according to the withdrawal request among registered investors. A secondary follow-up investor may be selected to replace the investor.

In the same way, when the subsequent investor selection unit 103b receives a withdrawal request for its demand deposit from the investor terminal 220 of the i-th subsequent investor who provided the investment, i according to the withdrawal request among registered investors. The i+1st follow-up investor can be selected to replace the 1st follow-up investor.

In this way, the subsequent investor selection unit 103b continuously invests or invests until the expiration of the investment period to provide a regular withdrawal function not only to the first investor, but also to some of the investors or subsequent investors who can replace the first investor. Subsequent investors may select the next follow-up investors.

Therefore, the subsequent investor selection unit 103b according to an embodiment of the present invention maintains the regular withdrawal function according to the demand deposit, but does not collect the investment and withdraws the amount of withdrawal from the demand deposit of another investor to the demand deposit of the investor. It has a great advantage in attracting follow-up investors and guaranteeing the operational stability of the investment.

5 is an exemplary view for explaining the operation of the remittance processing unit according to FIG. 2 .

In one embodiment of the present invention, when attracting investments using demand deposits, a large amount of investment is secured by collecting the deposits deposited in each demand deposit of a plurality of investors, so the demand deposit account of each of a plurality of investors. You must proceed with the remittance process from

At this time, in the case of direct deposit from the demand deposit account of each investor to the account of the company demanding the investment, there is a problem in that remittances to other banks are made very frequently, resulting in high remittance fees.

As a way to prevent such a problem, the remittance processing unit 104 according to an embodiment of the present invention uses a method of batch remittance processing centering on the remittance to itself so as to minimize remittance to other banks.

To this end, the manager of the investment matching server 100 may open and use individual first accounts for each bank in partnership with each of the banks of the plurality of financial servers.

Specifically, referring to FIG. 5, the investor selection unit 103 selects a first investor and a second investor in conjunction with the investor terminal 210 of the first investor and the investor terminal 220 of the second investor, and A case in which the demand deposit account of one investor is opened through the first financial server 310 of the first bank and the demand deposit account of the second investor is opened through the second financial server 320 of the second bank is illustrated. .

In the case of FIG. 5 , the remittance processing unit 104 requests the first financial server 310 to remit the investment money from the demand deposit account of the first investor to the first account opened through the first financial server 310. can Accordingly, the first financial server 310 may complete the self-transfer processing.

In the same way, the remittance processing unit 104 may request the second financial server 320 to remit the investment money from the demand deposit account of the second investor to the second account opened through the second financial server 320. . Accordingly, the second financial server 320 may complete the self-transfer processing.

Although not shown in the figure, the remittance processing unit 104 sends the investment money from the demand deposit account of the k-th (k is a natural number equal to or greater than 3) to the k-th financial server opened through the k-th financial server. can request Accordingly, the kth financial server may complete the self-transfer processing.

Here, the first to kth accounts may be accounts (or virtual accounts) opened for each bank by the management company of the investment matching server 100 .

At this time, the remittance processing unit 104, the first financial server 310 to remit the investment money of the first investor, which has been remitted to the first account, to a second account corresponding to the financial server of the same bank as the account of the company demanding the investment money can be requested to

In the same way, the remittance processing unit 104 may request the k th financial server to remit the funds remitted to the k th account to a second account corresponding to the financial server of the same bank as the account of the company requesting the investment.

Accordingly, all of the investment funds transferred to the first account or the kth account of each bank are deposited into the second account.

Thereafter, the remittance processing unit 104 may request the second financial server 320 to remit all the investments deposited in the second account to the account of the company requesting the investment using self-transfer. Here, the second financial server 320 has been described on the premise that it is a financial server operated by a bank of a company demanding investment money, but it will be appreciated that this is exemplary.

That is, after the remittance processing unit 104 according to an embodiment of the present invention processes in conjunction with the financial server 300 to remit the investment of each investor to the same bank account as the demand deposit account of each investor, , Processes in conjunction with the financial server 300 to remit the investment deposited in the bank accounts other than the account to the account corresponding to the same bank account as the account of the company demanding the investment among the bank accounts remitted to the bank.

Finally, the remittance processing unit 104 can process in conjunction with the financial server 300 to remit all of the investment money deposited in the account corresponding to the same bank account as the account of the company demanding investment money to the account of the company demanding investment money. there is.

6 is a diagram showing the hardware configuration of an investment matching server according to an embodiment by way of example.

Referring to Figure 6, the investment matching server 100, at least one processor 110; and a memory for storing instructions instructing the at least one processor 110 to perform at least one operation.

The at least one operation may include at least some of the functions or operations of the investment matching server 100 described with reference to FIGS. 1 to 5, and detailed descriptions are omitted to prevent redundant description.

Here, the at least one processor 110 may mean a central processing unit (CPU), a graphics processing unit (GPU), or a dedicated processor for performing methods according to embodiments of the present invention. can Each of the memory 120 and the storage device 160 may include at least one of a volatile storage medium and a non-volatile storage medium. For example, the memory 120 may be one of a read only memory (ROM) and a random access memory (RAM), and the storage device 160 may be a flash-memory. , a hard disk drive (HDD), a solid state drive (SSD), or various memory cards (eg, a micro SD card).

In addition, the investment matching server 100 may include a transceiver 130 that performs communication through a wireless network. In addition, the investment matching server 100 may further include an input interface device 140, an output interface device 150, a storage device 160, and the like. Each component included in the investment matching server 100 may be connected by a bus 170 to communicate with each other.

The methods according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded on a computer readable medium. Computer readable media may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on a computer readable medium may be specially designed and configured for the present invention or may be known and usable to those skilled in computer software.

Examples of computer readable media may include hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language codes generated by a compiler but also high-level language codes that can be executed by a computer using an interpreter and the like. The hardware device described above may be configured to operate with at least one software module to perform the operations of the present invention, and vice versa.

In addition, the above-described method or device may be implemented by combining all or some of its components or functions, or may be implemented separately.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the claims below. You will understand that it can be done.

100: investment matching server
200: investor terminal
300: financial server
400: Operating server of investment demand company

Claims (10)

As a device for performing an investment matching method using demand deposit,
An investor registration unit that registers a plurality of investors in advance in conjunction with investor terminals;
Investment demand company management department that manages the investment conditions according to the investment request of the investment demand company;
an investor selection unit for determining an investor for the company demanding investment from among the registered investors;
a remittance processing unit that transmits a remittance request message requesting remittance of investment from the determined investor's demand deposit account to a financial server; and
A proceeds settlement unit configured to receive details of the proceeds from the financial server and transmit a remittance request message to the financial server requesting remittance of proceeds to the demand deposit account of the investor according to the received details of the proceeds. In claim 1,
The investor register,
Receiving investor information corresponding to each of the investors from the investor terminals and verifying the received investor information,
The above investor information,
At least one of the account number and deposit amount for the demand deposit account of each of the investors, the investor name, the investor's resident registration number, the desired rate of return (or interest), the desired investment period, and whether or not to allow midterm withdrawal, the device. In claim 2,
The investment conditions are:
An apparatus for instructing at least one of a total amount of investment, a rate of return that can be provided, and a period of repayment of the investment. In claim 3,
The investor selection department,
And an investment offer unit that selects at least one candidate investor among registered investors using the investor information and the investment conditions and transmits an offer message to an investor terminal of the selected candidate investor. In claim 3,
The investor selection department,
A follow-up investor selection unit that receives a withdrawal request from at least one investor terminal among investors who provided funds and selects a follow-up investor to replace the investor in response to the withdrawal request from among the registered investors Including device. In claim 5,
The follow-up investor selection department,
An apparatus for selecting an investor having the same bank account as an investor in response to a withdrawal request as the subsequent investor from among the registered investors. In claim 4,
The remittance processing unit,
Transmitting, to the financial server, a remittance request message requesting remittance of the investment money corresponding to the withdrawal amount according to the withdrawal request from the demand deposit of the subsequent investor to the demand deposit account of the investor in response to the withdrawal request. In claim 3,
The investor selection department,
An apparatus for selecting an affiliated bank affiliated in advance in place of the registered investors as the subsequent investor to replace the investor in response to the withdrawal request. In claim 3,
The investor selection department,
and selecting an investor designated by an associated bank affiliated in advance in place of the registered investors as the subsequent investor to replace the investor in response to the withdrawal request. In claim 1,
The investment request is a message requesting investment money for each of a plurality of investments,
Wherein the investor selection unit determines the investor corresponding to each of the investment cases.

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