TW201913477A - Investment-matching server - Google Patents

Abstract

An investment-matching server is provided. The investment-matching server provides the user, who wants to start a business, with a platform to submit a funding request for an investment target, and provide a general user with the platform to accumulate investment funds through proceeding consumption (especially, general consumption in daily life) via a payment system. The accumulated investment funds are collected from a percentage of each payment amount which does not exceed the manufacture's suggested retail price of each of goods. The investment-matching server provide the general user to submit an investment request to select one investment target proposed by the user who wants to start the business, and use the accumulated investment funds to invest therein so that the user who wants to start the business can get the funding from several general users' the accumulated investment funds.

Description

 Investment match server  

The present invention relates to an investment matching server. More specifically, the investment match server of the present invention provides an operational mechanism for conducting general daily consumption via a payment system to accumulate investment funds and invest.

In recent years, capitalism has prevailed, and the phenomenon of the gap between the rich and the poor has become increasingly serious in societies in developed or developing countries. Under this social phenomenon, the general public is already overloaded with the general consumption of daily life, so it is more difficult to save money for entrepreneurship or investment. The current credit card payment mode, stored-value card payment, mobile payment mode and other modes not only provide users with convenient payment methods, but also provide current consumption discounts or provide a rebate for the next consumption based on the proportion of the current consumption amount.

However, whether it is the amount saved by the current consumption discount or the rewards due to the current consumption, for the general public, it is only used for daily consumption and will not or cannot be used for investment, especially Reward bonuses are usually restricted to use only in specific stores or channels. Therefore, the consumption rebate created by the current payment model does not give the general public any hope of increasing wealth.

In addition, the investment schemes provided by various financial institutions (such as stocks, funds, deposits, etc.) usually have a limit on the amount of money. Therefore, the general public needs to save specifically to have an opportunity to deposit an investment amount. However, as mentioned earlier, in the case that the general public is already burdened with the general consumption of daily life, the investment amount for the investment scheme provided by the above-mentioned financial institutions is not easy to exist, and it is more difficult to deposit large amounts of real estate investment. Or start a business.

On the other hand, entrepreneurs who start from scratch, usually without a special background, are often unable to make large amounts of loans to financial institutions to obtain the required entrepreneurship. There is currently no private sector on the market that provides an effective and transparent fundraising channel to enable funders to make decisions with peace of mind, and to prevent entrepreneurs from raising the required entrepreneurship.

In view of this, how to provide an effective and transparent investment fundraising channel without changing the current consumption pattern of the general public, so that the general public can easily invest or raise the required entrepreneurship, which is for the academic industry and The technical problems that the industry needs to solve.

The purpose of the present invention is to provide an investment matching mechanism, which enables the general public to accumulate investment funds and simply invest by using the action payment or joint card payment method for general daily living consumption, thereby increasing the investment of the general public with low threshold. Pipeline and entrepreneurial opportunities. Furthermore, the investment matching mechanism of the present invention can use the investment money accumulated by the general public as an entrepreneurial fund to provide to the general public among those who want to start a business. In this way, the investment matching mechanism of the present invention can provide an effective and transparent investment fundraising pipeline without changing the current general public consumption pattern, so that the general public can easily invest or raise the required entrepreneurship. Gold, and have the opportunity to become a middle class.

To achieve the above objective, the present invention discloses an investment matching server including a network interface, a storage, and a processor. The network interface is connected to a network. The storage stores a user database. The user database stores a plurality of user accounts and a personal profile of each of the user accounts. Each of these profiles contains an account type. The account type is at least one of a type of consumer investment account and a type of fundraising account. When the account type is the type of the consumer investment account, the profile further includes an unused cumulative investment amount, a used cumulative investment amount, and a cumulative profit amount. When the account type is the fundraising account type, the personal profile further includes a target fundraising amount, a funded amount, an investment target, and a current operating status. The unused cumulative accumulated investment amount of the personal file of the user account is composed of a plurality of credits transferred by a payment system, and each of the rewards is generated by the payment system and is generated by the transaction system. N percent of a transaction amount, N is a positive integer greater than 0 and less than or equal to 100. The processor is electrically connected to the network interface and the storage device, and configured to: receive, by the network interface, an investment request from a first user device associated with one of the user accounts a message, the investment request message includes a target investment target and an investment amount, and the target investment target corresponds to the investment target of the personal file of the second user account of the user accounts; according to the investment amount The unused accumulated investment amount of a user account is deducted from the investment amount, and the investment amount is increased to the used cumulative investment amount; according to the investment amount, the investment amount is increased to the second user account The amount of funds raised in the file; determining whether the amount of funds raised is equal to the amount of funds raised by the target, and when the amount of funds raised is equal to the amount of funds raised by the target, performing one of the performance procedures of the investment target.

Other objects of the present invention, as well as the technical means and implementations of the present invention, will be apparent to those skilled in the art in view of the appended claims.

1‧‧‧Investment Matching Server

3‧‧‧Remote Financial Server

5‧‧‧Remote payment server

102‧‧‧Investment Request Message

UA1‧‧‧ first user account

UA2‧‧‧Second User Account

UE1‧‧‧ first user device

UE2‧‧‧Second user device

NW‧‧‧Network

11‧‧‧Storage

13‧‧‧ Processor

15‧‧‧Internet interface

1 is a schematic diagram of an implementation scenario of a first embodiment of the present invention; FIG. 2 is a schematic diagram of an implementation scenario of a second embodiment and a third embodiment of the present invention; and FIG. 3 is a diagram of a fourth embodiment of the present invention; A schematic diagram of an implementation scenario; FIG. 4 is a schematic diagram of an implementation scenario of a fifth embodiment of the present invention; and FIG. 5 is a schematic diagram of an investment matching server 1 of the present invention.

The present invention is not limited by the embodiment, and the embodiment of the present invention is not intended to limit the invention to any specific environment, application or special mode as described in the embodiments. Therefore, the description of the embodiments is merely illustrative of the invention and is not intended to limit the invention. It should be noted that in the following embodiments and drawings, components that are not directly related to the present invention are omitted and are not shown, and the dimensional relationships between the components in the drawings are merely for easy understanding and are not intended to limit the actual ratio.

The first embodiment of the present invention is shown in Fig. 1, which is an implementation scenario. In this scenario, the investment matching server 1 of the present invention is interconnected with a remote financial server 3 and a remote payment server 5 via the network NW. The network NW can be a mobile communication network, an internet network, a regional network, etc., or a combination of the foregoing various networks.

The investment match server 1 stores a user database. The user database stores a plurality of user accounts and a personal profile of each user account. Each person profile contains an account type. The account type is at least one of a type of consumer investment account and a type of fundraising account. When the account type is the type of the consumer investment account, the profile further includes an unused cumulative investment amount, a used cumulative investment amount, and a cumulative profit amount. When the account type is the fundraising account type, the profile further includes a target fundraising amount, a funded amount, an investment target, and a current operating status. In addition, in other embodiments, when the account type is a consumer investment account type, the personal profile may further include a consumption accumulation detail, a consumption type classification, and the like to provide functions such as user billing, consumption analysis, and the like. Moreover, when the account type is the fundraising account type, the personal file may further include additional information such as an entrepreneurial project and a planning record, a funded operation list, etc., to provide advanced management of the user.

Anyone can register with the investment media server 1 of the present invention through a smart phone or a computer to obtain a user account, and use the investment media server 1 or the remote payment server 5 to identify the user account and the payment account/identification. Code binding. Users can adjust or change their account type during registration or after registration. The account type of each user can be a type of consumer investment account, a type of fundraising account, or both.

The unused accumulated cumulative investment amount of the personal account of each user account is composed of a plurality of payment systems transferred by a payment system (for example, a mobile payment system and a membership card payment system). Each feedback fund pays a percentage of the transaction amount generated by the transaction and is the transaction amount of the transaction through the payment system, where N is a positive integer greater than 0 and less than or equal to 100.

The investment matching server 1 receives an investment request message 102 from the first user device UE1 (eg, smart phone, personal computer) associated with one of the user accounts UA1 of the user accounts via the network interface. The investment request message 102 contains a target investment target and an investment amount. The target investment target corresponds to the investment target of the personal file of the second user account UA2 of one of the user accounts. The investment matching server 1 deducts the investment amount from the unused accumulated investment amount of the first user account UA1 according to the investment amount, and increases the investment amount to the used cumulative investment amount.

Subsequently, the investment matching server 1 increases the amount of the invested amount to the amount of the raised funds of the personal file of the second user account UA2 according to the investment amount. Next, the investment match server 1 judges whether the amount of funds raised is equal to the target fund-raising amount, and when the amount of funds raised is equal to the target fund-raising amount, one of the performance procedures of the investment target is executed.

For example, when the remote payment server 5 is a mobile payment system, the first user having the first user account UA1 can operate the application in the first user device UE1 (eg, a smart phone) to connect The line is sent to the remote payment server 5, and is paid through a remote payment server 5 in a store (for example, a convenience store, a coffee shop, a department store) to purchase goods. Assuming that the transaction amount of the item is 1000 yuan, the first user can accumulate 10 yuan of investment money (ie, 1% of 1000) on the investment matching server 1 by performing this transaction. In this way, the first user can accumulate investment funds through ordinary daily consumption without changing his current consumption pattern.

In this embodiment, the remote payment server 5 cooperates with the remote financial server 3 to provide the user with payment. The user can store the value of the membership card associated with the remote payment server 5 through the remote financial server 3, or request authorization from the remote financial server 3 in response to the action payment. The membership card can be an electronic ticket for a particular merchant and/or mass transit. Furthermore, the payment of the present invention may be bound to a credit card or a financial card of any financial institution (for example, a financial institution to which the remote financial server 3 belongs) as a basis for subsequent unified payment of the total amount of consumption.

In addition, it is assumed that the second user having the second user account UA2 is a user who wants to start a business, and therefore the account type is at least the type of the investment investment account. The target investment target of the second user may be a land, a real estate, a storefront and a certain deposit. The second user can operate an application or browser in their second user device UE2 (e.g., smart phone, personal computer) and connect to the investment match server 1 to submit their investment plan. The investment plan needs to record the investment target and the funds needed to be raised (for example: 1 million).

When the first user having the first user account UA1 wants to invest the accumulated investment fund, the first user may transmit the investment request message 102 to the investment matching server 1 through the first user device UE1. For example, the first user connects to the investment matching server 1 through the first user device UE1 to browse the investment plan of each user who wants to start a business, and selects an investment of one of the users (for example, the second user). Plan to invest. Therefore, the investment request message 102 includes a target investment target (corresponding to the investment target of the second user account UA2) and an investment amount (for example, 1000 yuan). In this way, the investment matching server 1 can deduct the investment amount from the unused accumulated investment amount of the first user account UA1 according to the investment amount submitted by the first user, and increase the investment amount to the used cumulative investment amount. .

When the amount of funds raised by the second user account UA2 is equal to the target fundraising amount, the investment match server 1 performs the performance procedure of the investment target to deliver the amount of the target fundraising amount to the second user, and fulfills both parties. contract. After the second user obtains the fundraising and conducts the investment target operation, it needs to report back to the investment matching server 1 periodically (for example, monthly, quarterly or yearly) to update the current operating status of the second user account UA2.

The second user also needs to deliver part of the income to the investment match server 1 on a regular basis (eg, monthly, quarterly or yearly) based on his or her operating status and fundraising amount as a profit for the investment target. For example, after a year of operation, the second user earned 2 million, and a quarter of his entrepreneurial funds were obtained by raising funds for the investment match server 1, so the second user would need 2 million. 1/4 (ie 500,000) is delivered to the investment match server 1. After the investment match server 1 receives 500,000 profit, it allocates a profit based on the proportion of each user's previous investment. As previously assumed that the first user's investment is 1,000 yuan, which accounts for 0.1% of the 1 million fundraising, it can be allocated a 500 yuan profit. In this way, the investment matching server 1 will allocate 500 yuan to the accumulated profit amount of the first user account UA1, and the first user may take out, partially withdraw or convert the accumulated profit amount to the unused consumption accumulation. investment amount.

It should be noted that in actual operation, the investment match server 1 can charge a fee to each user, for example, deducting 1% of the profit from the distribution. Therefore, the manner in which various fees are charged is within the scope of protection of the present invention. The following is an illustration of the profitability of several investment targets of the present invention.

First, when the target investment target is a land, the second user's profit is derived from the rent or resale amount of the land. The profit paid by the second user to the investment match server 1 is the ratio of the total operating amount to the target fundraising amount as previously described (for example: 2.5 million target fundraising amount divided by 10 million overall operating amount) The ratio is 1/4). After the payment of the profit, the investment match server 1 obtains the profit obtained from one of the land rent and the resale amount based on the ratio of the investment amount of the first user to the target fundraising amount of the second user. Submit some of the profit to the first user. In other words, the accumulated profit amount of the first user account UA1 includes the profit amount obtained from one of the rent and the resale amount of the land based on the ratio of the investment amount to the target fundraising amount.

Similarly, when the investment target is a real estate, the accumulated profit amount of the first user account UA1 includes the profit obtained from one of the rent and the resale amount of the real estate based on the ratio of the investment amount to the target fundraising amount. Amount. In addition, when the investment target is a storefront, the cumulative profit amount of the first user account UA1 includes the profit amount obtained from the net value of the store's turnover based on the ratio of the investment amount to the target fundraising amount. In addition, when the investment target system is in existence, the accumulated profit amount of the first user account UA1 includes one profit amount obtained from one of the interest deposits based on the ratio of the investment amount to the target fundraising amount.

It should be noted that after the above-mentioned second user obtains the amount of the target fundraising amount from the investment matching server 1, the money can be independently executed by the investment target. For example, when the investment target is fixed, the second user can deposit the raised funds to a financial institution to obtain a better deposit interest rate. However, since the user identity registered with the investment matching server 1 of the present invention is not limited to a natural person or a legal person, when the second user is a legal person (for example, the second user is a financial institution), the second user itself also provides Depositing services to raise large amounts of funds and provide a better deposit rate based on the amount of funds raised. Moreover, the deposit service is a relatively stable investment target, so it is suitable for general investment is more conservative. However, the investment services provided by any financial institution (eg, funds, futures, stocks, etc.) may be the subject of investment for the present invention and fall within the scope of protection of the present invention.

On the other hand, when the investment target is a storefront, the two parties' contract in the performance procedure of the present invention stipulates that the storefront must provide payment services for the payment system, so that the accumulated investment funds and the profit from the investment can be used in one Revolving within the limits of the scope, while maximizing the use of investment in the overall consumption, and reducing the opportunity for investment targets can not be profitable. In addition, in other embodiments, the investment matching server 1 of the present invention can further provide public information about the operating conditions of the store to increase the willingness of the public to apply for an account and through the aforementioned payment system.

The second embodiment of the present invention is shown in Fig. 2. Unlike the first embodiment, the remote payment server 5 is integrated into the remote financial server 3, and the remote financial server 3 runs the payment system to provide a payment service. As previously stated, the payment service can be an action payment service or a membership card payment service. In addition, the remote financial server 3 can also provide any business that combines payment services with the aforementioned investment target. The implementation of the present invention for integrating the remote payment server 5 to the remote financial server 3 can be easily understood based on the foregoing embodiments, and therefore will not be further described herein.

The third embodiment of the present invention is also shown in Fig. 2. Unlike the foregoing embodiment, the remote payment server 5 is integrated into the investment matching server 1. In other words, the investment matching server 1 of the present invention can simultaneously provide the aforementioned investment matching service and payment service. The implementation of the present invention for integrating the remote payment server 5 into the investment matching server 1 can be easily understood based on the foregoing embodiments, and therefore will not be further described herein.

The fourth embodiment of the present invention is shown in Fig. 3. Unlike the foregoing embodiment, the remote financial server 3 is integrated into the investment matching server 1. In other words, the investment matching server 1 of the present invention can be operated by a financial institution that simultaneously provides the aforementioned investment matching service and financial transaction service. The implementation of the present invention for integrating the remote financial server 3 into the investment matching server 1 can be easily understood based on the foregoing embodiments, and therefore will not be further described herein.

The fifth embodiment of the present invention is shown in Fig. 4. Different from the foregoing embodiment, the remote financial server 3 and the remote payment server 5 are simultaneously integrated into the investment matching server 1. In other words, the investment matching server 1 of the present invention can be operated by a financial institution that simultaneously provides the aforementioned investment matching service, financial transaction service, and payment service. Based on the foregoing embodiments, the implementation of the present invention for integrating the remote financial server 3 and the remote payment server 5 into the investment matching server 1 can be easily understood based on the foregoing embodiments. Let me repeat them.

It should be noted that although the drawings depict the investment matching server 1, the remote financial server 3 and the remote payment server 5 by a single server, those skilled in the art can easily understand each. The server can be composed of a cluster server. For example, the investment matching server 1 in the third embodiment may be composed of a plurality of servers of a single financial institution, respectively providing investment matching services, financial transaction services, and mobile payment services.

A sixth embodiment of the present invention is shown in FIG. 5, which is a schematic diagram of the investment matching server 1 of the present invention. The investment matching server 1 includes a storage 11, a processor 13, and a network interface 15. The processor 13 is electrically connected to the storage 11 and the network interface 15. Network interface 15 is connected to the network NW. The network interface 15 can be a wired network interface (eg, an Ethernet interface) or a wireless network interface (eg, a WIFI network interface, a 3G mobile network interface, a 4G mobile network interface, or the above network interface). Any combination).

The storage 11 is used to store a user database. As previously described, the user database stores a plurality of user accounts and profiles of individual user accounts. Each individual file contains an account type that can be at least one of a type of consumer investment account and a type of fundraising account. When the account type is the type of the consumer investment account, the profile further includes an unused cumulative investment amount, a used cumulative investment amount, and a cumulative profit amount. When the account type is the fundraising account type, the personal file further includes a target fundraising amount, a funded amount, an investment target, and a current operating status.

The unused accumulated cumulative investment amount of the personal account of each user account is composed of multiple rewards transferred by a payment system. Each reward is paid by the payment system for a transaction generated by the transaction and is N percent of the transaction amount of one of the transactions paid, where N is a positive integer greater than 0 and less than or equal to 100. The processor 13 receives an investment request message 102 from the first user device UE1 associated with the first user account UA1 of the user accounts via the network interface 15. The investment request message 102 contains a target investment target and an investment amount. The target investment target corresponds to the investment target of the personal file of the second user account UA2 in the user accounts.

The processor 13 deducts the investment amount from the unused accumulated investment amount of the first user account UA1 according to the investment amount, and increases the investment amount to the used cumulative accumulated investment amount. Subsequently, the processor 13 increases the amount of the invested amount to the amount of the raised funds of the personal file of the second user account UA2 according to the investment amount. Thereafter, as the amount of funds raised in the profile of the second user account UA2 is gradually increased in response to the investment of the plurality of users in accumulating the investment amount, the processor 13 determines whether the amount of funds raised is equal to the amount of the target fundraising, and When the amount of funds raised is equal to the amount of funds raised by the target, one of the performance procedures for the investment target is implemented.

In an implementation scenario, the target investment target is a land, and the cumulative profit amount of the first user account UA1 is included in one of the rent and resale amount of the land based on the ratio of the investment amount to the target fundraising amount. One of the profit amount. In another implementation scenario, the investment target is a real estate, and the accumulated profit amount of the first user account UA1 is included in one of the rent and the resale amount of the real estate based on the ratio of the investment amount to the target fundraising amount. A profit amount.

In addition, in an implementation scenario, the investment target is a storefront, and the cumulative profit amount of the first user account UA1 includes the ratio of the investment amount to the target fundraising amount, and one of the net sales value of one of the storefronts is obtained. Profit amount. Furthermore, the storefront of the investment target provides a payment service for the payment system, so that the accumulated investment funds and the profit from the investment can be circulated within a certain limit, and the accumulated investment of the overall consumption is utilized. Maximize and reduce opportunities for investment targets that are not profitable.

In addition, in another implementation case, the investment target is stored, and the accumulated profit amount of the first user account UA1 is based on the ratio of the investment amount to the target fundraising amount, and one of the self-determined interest is obtained. Profit amount. Furthermore, the investment match server can be connected to a remote financial server, and the deposit is provided by the remote financial server. Based on current mainstream payment behavior, the aforementioned payment system can be a mobile payment system that can operate in the investment matching server 1. The investment match server 1 can be connected to a remote financial server to cooperate with the remote financial server to provide each user account with a payment service using one of the mobile payment devices. Further, in other implementations, the mobile payment system can also be run in a remote financial server, and the investment matching server 1 is connected to the remote financial server to cooperate with the remote financial server to provide each user. The account uses the payment service of the mobile payment system through a mobile device.

In summary, the investment matching mechanism of the present invention enables the general public to accumulate investment funds and easily invest by performing daily consumption by means of mobile payment or joint card payment. Furthermore, the investment matching mechanism of the present invention can use the investment money accumulated by the general public as an entrepreneurial fund to provide to the general public among those who want to start a business. In this way, the investment matching mechanism of the present invention can provide an effective and transparent investment fundraising pipeline without changing the current general public consumption pattern, so that the general public can easily invest or raise the required entrepreneurship. gold. In addition, when the investment target is a storefront, the present invention provides the aforementioned payment service through the storefront, which can further enable the accumulated investment funds and the profit of the investment to be circulated within a certain limit, and the overall consumption will be The use of accumulated investment funds is maximized, and the opportunity for the store to be unprofitable is reduced, and the willingness of the people to consume is also increased, thereby improving the standard of social life.

The foregoing embodiments are merely illustrative of the embodiments of the invention, and the technical features of the invention are not intended to limit the scope of the invention. Any changes or equivalents that can be easily made by those skilled in the art are within the scope of the invention. The scope of the invention should be determined by the scope of the patent application.

Claims (10)

 An investment matching server includes: a network interface connected to a network; a storage for storing a user database, the user database storing a plurality of user accounts and one of the personal files of the user accounts, each The profile includes an account type, which is at least one of a type of consumer investment account and a type of fundraising account. When the account type is the type of the investment investment account, the profile further includes an unused consumption. The cumulative investment amount, a used cumulative investment amount and a cumulative profit amount. When the account type is the fundraising account type, the personal file further includes a target fund amount, a funded amount, and an investment. The target and the current operating status, the unused cumulative accumulated investment amount of the personal file of the user account is composed of a plurality of rewards transferred by a payment system, and each of the rewards pays a transaction through the payment system. N, N, which is generated and is one of the transaction amount of the transaction, N is a positive integer greater than 0 and less than or equal to 100; a processor, electricity Connecting to the network interface and the storage device, configured to: receive, by the network interface, an investment request message from a first user device associated with one of the user accounts, the first user device, the investment request message Include a target investment target and an investment amount, the target investment target corresponding to the investment target of the personal file of the second user account of one of the user accounts; according to the investment amount, the first user account The accumulated cumulative investment amount used is deducted from the investment amount, and the investment amount is increased to the used cumulative investment amount; according to the investment amount, the invested amount is increased to the raised capital of the personal file of the second user account. And determine whether the amount of funds raised is equal to the amount of funds raised by the target, and when the amount of funds raised is equal to the amount of funds raised by the target, one of the performance procedures of the investment target is implemented.    The investment matching server according to claim 1, wherein the target investment target is a land, and the accumulated profit amount of the first user account is based on a ratio of the investment amount to the target fund raising amount, The amount of profit obtained in one of the rent and one of the resale amount of the land.    The investment matching server according to claim 1, wherein the investment target is a real estate, and the accumulated profit amount of the first user account is based on a ratio of the investment amount to the target fundraising amount, One of the real estate rents and one of the resale amount of one of the profits obtained.    The investment matching server according to claim 1, wherein the investment target is a storefront, and the accumulated profit amount of the first user account is based on a ratio of the investment amount to the target fundraising amount, One of the profit earned in one of the store's net sales value.    The investment match server of claim 4, wherein the storefront provides a payment service of the payment system.    The investment matching server according to claim 1, wherein the investment target is stored, and the accumulated profit amount of the first user account is based on a ratio of the investment amount to the target fundraising amount, One of the profits earned in one of the deposits.    The investment match server of claim 6, wherein the investment match server is connected to a remote financial server, and the deposit is provided by the remote financial server.    The investment match server of claim 1, wherein the payment system is a mobile payment system.    The investment match server of claim 8, wherein the mobile payment system operates in the investment match server, and the investment match server is connected to a remote financial server to cooperate with the remote end The financial server provides each of the user accounts to use one of the mobile payment systems to pay for the service.    The investment matching server of claim 8, wherein the mobile payment system operates in a remote financial server, and the investment matching server is connected to the remote financial server to cooperate with the remote end The financial server provides each of the user accounts to use one of the mobile payment systems to pay for the service.