WO2017200142A1 - Investment platform device and operating method therefor - Google Patents

Abstract

The present invention proposes an investment platform device an operating method therefor, the investment platform device allowing a two-stage investment of a guaranteed investment and a general investment on the basis of a security capacity of only a specific IP so as to split an investment risk between a first investor participating in the guarantee investment and a second investor participating in the general investment, thereby enabling profit to be created by attracting investments for an IP value, and enabling contributions to the vitalization of IP finance through an improvement in user satisfaction with respect to IP finance investment by providing an IP finance investment model allowing expected earnings to increase instead of decreasing a loss risk for an investment through a connection between the first investor and the second investor.

Description

Investment platform device and its operation method

The present invention relates to an investment platform technology for IP (Intellectual property), and more specifically, to make a two-step investment of guarantee investment and general investment based on the security of specific IP only, participate in guarantee investment The present invention relates to a method for diversifying investment risk between a first investor and a second investor participating in general investment.

Intellectual property (IP) is a generic term for industrial property rights such as inventions, trademarks, designs, etc., and copyright for literature, music, art, etc., and the law applies to human intellectual creations that are worth protecting by law. It is the right granted, also called intellectual property right. Such intellectual property rights can secure monopoly status in the market, prevent disputes related to patents, and are a sure means of recovering huge investments in technology development, and further applied technologies can be developed based on the acquired rights. The importance is emphasized.

In recent years, IP mortgage and fund investments that provide financial support for intellectual property are being expanded for SMEs and venture firms that have excellent technological capabilities but have difficulty in securing funds due to lack of performance or collateral.

However, most of them are limited to the fields related to IP trading or commercialization support, and the development of technology for attracting investment and generating profits with respect to IP's financial value is insufficient.

In other words, investment in existing financial products (e.g. stocks, bonds, loans, real estate, etc.) is being activated, and various investment models are provided. However, in the case of intellectual property, there is no investment model related to IP finance. There is a limitation that cannot be done.

Thus, similar to the investment method of existing financial products (stocks, bonds, loans, real estate, etc.), the policy-financial institutions give guarantees with IP collateral, and banks lend within the guarantee limits, or VC (Venture). Considering the way in which professional investors such as capital and angel investors make direct investments, this method has a problem in that the investment risk is not diversified in that the investor must take full responsibility for the investment loss risk.

In addition, since it is difficult for the general public to directly convert the value of IP, it is inevitable that general investors' interest in IP financing is reduced. There is a problem of reluctant to invest in IP financing because it is responsible for all risks.

The present invention has been made in view of the above circumstances, and an object of the present invention is to achieve a two-stage investment of guarantee investment and general investment on the basis of the security of only a specific IP, but participate in the guarantee investment. By diversifying the investment risk between the investor and the second investor participating in the general investment, the investment can be profitable by attracting investment in relation to the IP value, and the loss of the investment through the linkage between the first investor and the second investor. It is possible to provide an IP financial investment model that increases expected returns instead of reducing risks, thereby contributing to the revitalization of IP finance by improving user satisfaction with IP financial investment.

An investment platform apparatus according to the present invention for achieving the above object, registration management unit for receiving a specific IP from the IP owner to raise funds to secure the intellectual property (IP) to register the specific IP as an investment target; And a first investor who invests the total amount of guarantee funds based on a result of evaluating the collateral power of the specific IP so that the public offering can proceed based on the basic registration information of the specific IP, and general fund to obtain the return on investment through the public offering. And a competition design management unit for setting competition conditions for diversifying investment risks between the second investors who invest the total amount.

The basic registration information is received from the owner of the IP, and includes the total investment funds to be recruited to the specific IP as a collateral and the investment period should be invested, the public offering, the recruitment of the guaranteed funds In case of success, the investment of the IP owner is completed only when the general funding amount is recruited by the amount corresponding to the total funding amount, and the general funding amount corresponding to the total funding amount is paid to the IP owner. do.

The offer condition is, the final target return amount that the IP owner should reach, the guaranteed investment target return rate to be paid to the first investor when the final target return amount is reached, and the second investor is paid using the total amount of the recruitment fund. It is characterized by including the general investment target return that should be.

The competition design management unit is based on the guarantee fee amount associated with the total amount of the guarantee fund that equals the first maximum value of the investment risk of the first investor and the second maximum value of the investment risk of the second investor. The investment option design unit calculates a target return amount, and the investment risk is calculated by multiplying a rate of risk (roR), a loss of investment (loss), and a weight of risk (weight). It is characterized by.

The investment option design unit may include: a guarantee fee calculation unit configured to calculate the guarantee fee amount equal to a first maximum value of the investment risk and a second maximum value of the investment risk; The final target return rate corresponding to the final target return amount is reflected by reflecting the guaranteed fee amount in the target return amount calculated based on the total amount of the recruitment fund so that the IP owner and the second investor share the guaranteed fee amount equally. Final target revenue calculation unit for calculating; A guarantee-related target return calculation unit that calculates the guaranteed investment target return rate based on a success rate determined by the IP owner when the final target return amount is reached; And a general target target yield calculation unit that calculates the general target investment yield by reflecting the maximum successful remuneration amount corresponding to the guaranteed investment target yield to the final target profit amount when the final target profit amount is reached.

The competition design management unit determines whether the final target revenue amount is achieved when the number of the first offering account and the offering unit price per first account for recruiting the first investors are determined based on the basic registration information. And a guaranteed investment design unit configured to calculate a target repurchase amount per first account based on a target revenue amount per first account.

The guarantee investment design unit may include: a warranty-related basic setting unit configured to determine the number of the first open offering account and the open offer price per first account based on the guarantee fund total; If the cumulative profit total amount to be generated by the specific IP is equal to or greater than the final target profit amount and the maximum success reward amount is calculated, the maximum success reward amount is divided by the number of the first open accounts and the target profit amount per first account. Guarantee related account revenue calculation unit to calculate the; And a guarantee-related account purchase amount calculation unit for calculating a target repurchase amount per first account by adding the target revenue amount per first account to the collusion unit price per first account.

The competition design management unit determines whether the final target revenue amount is achieved when the number of second open call accounts and the open call price per second account are determined to recruit the second investors based on the basic registration information. And a general investment design unit for calculating a target repurchase amount per second account based on the target revenue amount per second account.

The general investment designing unit may further include: a general related basic setting unit configured to determine the number of second open offering accounts and the open offer price per second account based on the total amount of the funds raised and the investment period identified from the basic registration information; If the cumulative profit total amount to be generated by the specific IP is equal to or greater than the final target profit amount and the general investment target return amount corresponding to the general investment target return rate is calculated, the difference between the general investment target return amount and the total funding amount A general related account revenue calculation unit that calculates a target profit amount per second account by dividing a general maximum acquisition profit amount, which is a value, by the number of second public offering accounts; And a general related account purchase amount calculation unit for calculating a target repurchase amount per second account by adding the target revenue amount per second account to the collusion unit price per second account.

The general investment planning unit guarantees the principal capital per account by reflecting the investment principal guarantee rate in the collusion unit price per second account so that the total amount of the general fund is guaranteed according to the investment principal guarantee rate even when an investment loss of the second investor occurs. Comprising a general relevant principal guarantee amount calculation unit for calculating the repurchase amount, wherein the total guarantee fund is used as an investment principal guarantee amount to guarantee the principal guarantee repurchase amount per account, the same as the total amount of the principal guarantee repurchase amount per account It is characterized by.

The competition design management unit includes a maturity repurchase design unit that calculates a maturity repurchase amount based on a cumulative profit total amount to be generated by the specific IP at the expiration time when the investment period is reached, and the maturity repurchase design unit includes: (1) a guarantee-related maturity exchange output for calculating an investor's maturity repurchase amount per first account; And a general related maturity exchange sales calculation unit for calculating a maturity repurchase amount per second account of the second investor.

The guarantee-related maturity exchange output unit sets a maturity repurchase period (A1) in which the total amount of the guarantee funds is utilized as the investment principal guarantee amount, and the investment loss of the first investor occurs, and the total amount of the guarantee funds is maintained as it is. Establish a two-term redemption period (A2) in which the first guaranteed and guaranteed amount of money calculated on the basis of the cumulative revenue is not provided; And a maturity repurchase period (A4) provided with the maximum successful remuneration amount in addition to the guarantee fund total amount.

The guarantee-related maturity exchange calculation unit sets the maturity repurchase 1 section A1 such that a first value obtained by dividing the cumulative profit total by the number of the first open call accounts is a maturity repayment amount per first account, and the cumulative income If the total amount is greater than the guarantee fund total and less than the general fund amount, the second maturity redemption period (A2) is set such that a second value corresponding to the open unit price per unit of the first account becomes a maturity repurchase amount per first account. And if the cumulative earnings total amount is greater than or equal to the general funding sum and is less than the final target revenue amount, a third value obtained by adding the first guaranteed successful remuneration amount to the first public offering unit price amount per first account. Set the three maturity repurchase period (A3) to be a maturity repayment amount, and if the cumulative profit total amount is greater than or equal to the final target profit amount, the unit price of the first account is calculated based on the maximum successful remuneration amount. The fourth maturity repurchase period A4 may be set such that a fourth value obtained by adding the target profit amount per first account to be released becomes a maturity repurchase amount per first account.

The general maturity repurchase calculation unit, the maximum maturity loss occurs in the total amount of the general funds, so that only the principal guarantee repurchase amount per account is provided to the second investor according to the investment principal guarantee rate (B1) A two-term maturity repurchase period in which a part of the total amount of the general funds corresponding to at least the amount of the principal guarantee repurchase amount per account according to the investment principal guarantee rate is provided to the second investor according to the investment loss on the total amount of the general funds; And (B2), a third maturity repurchase period in which the first general acquired profit amount calculated on the basis of the cumulative profit total amount smaller than the target repurchase amount per second account is provided to the second investor in addition to the general fund amount ( B3) is set, and a maturity repurchase period 4 provided with the general maximum earned profit amount in addition to the general fund amount is set.

The general maturity repurchase calculation unit, if the cumulative total profit is less than the total amount of the guarantee fund, so that the fifth value corresponding to the principal guarantee repurchase amount per account becomes the maturity repurchase amount per second account, the first period (B1) is set, and if the cumulative earnings total amount is greater than the guarantee fund total and less than the general funds total, a sixth value obtained by dividing the cumulative revenue total by the second collusion account number is the maturity repurchase per second account. The second maturity repurchase period (B2) is set to be an amount, and if the cumulative profit total amount is more than the general funding sum and less than the final target profit amount, the first general acquisition profit is added to the public offering unit price per second account. Set the maturity repurchase period 3 (B3) such that a seventh value plus an amount becomes a maturity repurchase amount per second account, and if the cumulative total return is greater than or equal to the final target revenue amount, The fourth term (B4) may be set such that an eighth value obtained by adding the target unit price to the offering unit price is the maturity repayment amount per second account.

The competition design management unit, if the final target profit amount is achieved in the early achievement period before reaching the investment period, the early repurchase design unit for calculating the early repurchase discount amount per account based on the early achievement period and the early achievement discount rate It is characterized by including.

A guarantee investment management unit that manages first investor offering information related to the first investor who invests the total guarantee fund amount according to the offer condition; A general investment management unit that manages second investor collaborative information related to the second investor who invests the general funds in accordance with the collusion conditions; And a settlement management unit for providing the at least one of the first investor and the second investor to set the cost according to the collusion conditions.

Therefore, according to the investment platform device of the present invention, two-step investment of guarantee investment and general investment is made based on the security of specific IP only, but between the first investor participating in the guarantee investment and the second investor participating in the general investment. By diversifying investment risks, it is possible to attract profits by attracting investments in relation to IP values and to increase expected returns instead of reducing the risk of loss on investments by linking the first and second investors. The IP financial investment model can be provided, and thus the effect of contributing to the activation of IP finance is achieved by improving user satisfaction with IP financial investment.

1 is a diagram showing an IP financial investment environment to which an embodiment of the present invention is applied.

2 is a view showing a schematic configuration of the investment platform device according to an embodiment of the present invention.

3 is a view showing the configuration of the competition design management unit in the investment platform device shown in FIG.

4 is a diagram showing the configuration of the investment option design unit in the competition design management unit shown in FIG.

5 is a diagram illustrating an example of calculating a final target return amount and a final target return rate according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a configuration diagram of the guarantee investment design unit in the competition design management unit shown in FIG. 3.

FIG. 7 is a diagram illustrating a configuration diagram of a general investment design unit in the competition design management unit shown in FIG. 3.

FIG. 8 is a diagram illustrating a configuration of a maturity repurchase design unit in the competition design management unit illustrated in FIG. 3.

9 is a diagram illustrating an example of a maturity repurchase section for calculating a maturity repurchase amount according to an embodiment of the present invention.

10 is a diagram illustrating an example of determining a maturity repurchase amount per first account per maturity repurchase period according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating an example of determining a maturity repurchase amount per second account per maturity repurchase period according to an embodiment of the present invention.

12 is a flowchart illustrating an IP financial investment flow according to an embodiment of the present invention.

13 is a flowchart illustrating an operation flow of determining a collusion condition through the design of an IP financial investment model according to an embodiment of the present invention.

It is to be noted that the technical terms used herein are merely used to describe particular embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present specification should be interpreted as meanings generally understood by those skilled in the art unless they are specifically defined in this specification, and are overly inclusive. It should not be interpreted in the sense of or in the sense of being excessively reduced. In addition, when the technical terms used herein are incorrect technical terms that do not accurately represent the spirit of the present invention, it should be replaced with technical terms that can be understood correctly by those skilled in the art. In addition, the general terms used in the present invention should be interpreted as defined in the dictionary or according to the context before and after, and should not be interpreted in an excessively reduced sense.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and the same or similar components will be given the same reference numerals regardless of the reference numerals, and redundant description thereof will be omitted. In addition, in describing the present invention, when it is determined that the detailed description of the related known technology may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, it is to be noted that the accompanying drawings are only for easily understanding the spirit of the present invention and are not to be construed as limiting the spirit of the present invention by the accompanying drawings. The spirit of the invention should be construed to extend to all changes, equivalents, and substitutes in addition to the accompanying drawings.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention.

1 illustrates an IP financial investment environment to which an embodiment of the present invention is applied.

As shown in FIG. 1, the IP financial investment environment to which the present invention is applied includes an IP owner terminal 100, a first investor terminal 200, a second investor terminal 300, and an investment platform device 400. It may have a configuration.

The IP owner terminal 100 is a terminal of an owner of an IP owner who wants to raise funds by collateral for intellectual property (hereinafter referred to as IP), and registers a specific IP in the investment platform device 400 to obtain funds from investors. May be the device of the IP owner who wants to secure and monetize

That is, the IP owner terminal 100 receives the total amount of guaranteed funds from the first investor based on collateral security of only a specific IP, and receives the total amount of general funds from the second investor. The profits generated by the investment are returned to investors based on the IP financial investment model designed by the investment platform device 400.

Here, the total funding amount is the amount of public funds that the IP owner wants to receive the final investment through the public offering, and it is prepared as the total amount of general funds invested by the second investor and corresponds to the development cost for generating profits using a specific IP. Can be.

In the present invention, the guarantee investment and general investment may be performed simultaneously, or the general investment may be performed first and then the guaranteed investment may be performed, or conversely, the general investment may be performed after the guaranteed investment is performed first. Furthermore, if the general investment has already been confirmed in advance, it may be operated by guarantee investment only, or if the guarantee investment is confirmed in advance, only general investment may be operated. Of course it can proceed to.

Through such competition, the IP owner's investment must be completed only when both the guarantee fund is raised and the general fund is raised at the same time as the amount of the fund. The total amount of general funds will be paid.

After all, even if the IP owner terminal 100 does not secure additional collaterals (eg, cash, spots, etc.) in addition to the specific IP, the IP financial investment model only requires that the specific IP be registered in the investment platform device 400 as an investment target. Based on this, it will receive guaranteed investment from the first investor and generate and distribute profits by receiving general investment from the second investor.

Guaranteed investment in the present invention means that the first investor invests the total amount of guaranteed funds based on the collateral power of a specific IP through a public offering based on the IP financial investment model, and general investment is based on the IP financial investment model. This means that the second investor invests the total amount of general funds to obtain the return on investment through the competition. Here, the first investor and the second investor may be recruited singly or in plural. In this case, the general investment may be referred to in various terms, such as direct investment, net investment, etc., in the present invention will be described by referring to the general investment.

Here, the total amount of guarantee fund is invested as a collateral for a specific IP, and is used as a guarantee amount to guarantee a part of the general fund amount. On the other hand, the total amount of general fund, the IP owner may be used for the development cost to generate revenue by using a specific IP, that is, the amount of public offering funds used to recruit through the public offering. Therefore, the following describes the IP financial investment model when the investment attraction is completed, so the total amount of general funds and the total amount of recruitment funds will be the same amount.

As such, part of the general fund is guaranteed to be repurchased as much as the total amount of the guaranteed fund of the first investor, so that only the total amount of the general fund excluding the guaranteed fund is the actual risk of loss for the second investor. Similarly, the first investor also guarantees investment only for a part of the general funds of the second investor, thereby minimizing the investment amount.

As a result, by utilizing the total amount of guarantee funds of the first investor as a guarantee amount to guarantee a part of the general fund amount of the second investor, it is possible to diversify the investment risk of the first investor and the second investor.

The first investor terminal 200 is a terminal of a first investor who makes a guaranteed investment based on the collateral power of a specific IP in response to an open competition based on the IP financial investment model, and guarantee fund determined based on the IP financial investment model. Invest the total amount.

That is, the first investor has an analysis capacity for analyzing the security of the specific IP and a payment capacity for investing the total amount of the guarantee fund with the specific IP as collateral, and affects the investment judgment of the second investor to It will act as an intermediary to connect the second investor. Such a first investor may be an institution, a group, an individual, or the like, and anyone interested in a guaranteed investment may participate in the competition and become the first investor.

The second investor terminal 300 is a terminal of a second investor who makes a general investment in response to a public offering based on the IP financial investment model. The second investor terminal 300 invests a total amount of general funds to obtain an investment return generated by using a specific IP. do. In this case, the second investor may be an institution, an organization, an individual, or the like, and anyone interested in general investment may participate in the public offering to become the second investor.

The investment platform device 400 is an IP financial standard platform for attracting investments with IP as collateral, and applies two-stage investment method of guarantee investment and general investment to reduce the risk of loss of investment and increase the expected return. A system for designing an investment model and conducting public offerings, especially a first investor investing the total amount of guaranteed funds based on the evaluation of the collateral security of a specific IP and a general investing capital for obtaining the return on investment through the public offering. 2 Provide IP investment model to establish collusion conditions to diversify investment risk between investors.

Hereinafter, with reference to Figure 2 will be described in more detail the configuration of the investment platform device according to a preferred embodiment of the present invention.

Referring to FIGS. 1 and 2, the investment platform device 400 according to the present invention receives a specific IP from an IP owner who wants to raise funds with an intellectual property (hereinafter referred to as IP) as a security target. The return on investment through the public offering with the first investor who invests the total amount of the guarantee fund based on the result of evaluating the collateral of the specific IP so that the public offering can proceed based on the registration management unit 410 that registers the information, and the basic registration information of the specific IP. It may have a configuration including a competition design management unit 420 for setting the competition conditions for the investment risk is dispersed between the second investors investing the total amount of general funds to obtain a.

Here, the basic registration information is received from the IP owner, and includes an investment period in which the total amount of recruitment funds and the total amount of recruitment funds to be recruited as collaterals for a specific IP should be invested. Here, the total funding amount is the amount of public funds that the IP owner wants to receive the final investment through the public offering, and it is prepared as the total amount of general funds invested by the second investor and corresponds to the development cost for generating profits using a specific IP. Can be.

In the public offering according to an embodiment of the present invention, the investment of the IP owner is completed only when the total guarantee fund and the general fund are invested at the same time so that the IP owner's investment is completed and the general fund is paid to the IP owner.

On the other hand, the investment platform device 400, the guarantee investment management unit 430 that manages the first investor collusion information associated with the first investor investing the total amount of the guarantee fund in accordance with the collusion conditions, the general fund total investment in accordance with the collusion conditions It further includes a general investment management unit 440 that manages the second investor collusion information associated with the second investor and a settlement management unit 450 to settle costs according to the conditions of the offer and provide at least one of the first investor and the second investor. It may have a configuration to.

Here, the first investor offering information includes basic information (organization name / group name / name, phone number, address, account information, etc.) related to the first investor, total investment amount, etc. The public offering information includes basic information (organization name / group name / name, telephone number, address, account information, etc.) related to the second investor, total investment amount, and the like.

The entire configuration or at least part of the investment platform device 400 including the registration management unit 410, the competition design management unit 420, the guarantee investment management unit 430, the general investment management unit 440 and the settlement management unit 450 It may be implemented in the form of a module or a hardware module, or may be implemented in a combination of a software module and a hardware module.

As a result, the investment platform device 400 according to an embodiment of the present invention allows a two-stage investment of guarantee investment and general investment to be made based on the security of only a specific IP through the above configurations, but the first investor participating in the guarantee investment By diversifying the investment risk between the second investor and the second investor participating in the general investment, thereby attracting investment in terms of IP value and generating profits. Instead of reducing the IP financial investment model can be provided to increase the expected return, it will be described in detail for each component in the investment platform device 400 for this purpose.

The registration manager 410 performs a function of receiving a specific IP from an IP owner and registering it as an investment target.

More specifically, the registration management unit 410, when received the IP information and the basic registration information of the specific IP from the IP owner terminal 100 to raise funds to the IP collateral, the specific IP based on the received information to the investment target Register.

Here, the basic registration information includes the total investment fund to be recruited as a collateral for the specific IP and the investment period in which the total investment fund should be invested.

That is, when the IP owner terminal 100 accesses the investment platform device 400 and inputs detailed information of the specific IP to be registered, the total amount of the funds raised, the investment period, and the like, the registration management unit 410 receives the specific IP. Will be registered as an investment target. In this case, the verification process may be processed by an IP certification authority, a legal expert, etc. before registering a specific IP as an investment target, and it may be desirable to register the specific IP that has been verified as an investment target.

The competition design management unit 420 performs a function of designing an IP financial investment model so that the competition can proceed based on the basic registration information of a specific IP.

More specifically, the competition design management unit 420, based on the result of evaluating the security of the specific IP, the first investor investing the total amount of the guarantee fund and the second investing the total amount of the general fund to obtain the return on investment through the competition Establish collusion conditions to diversify investment risks between investors.

Here, the conditions of the offer are the final target return amount that the IP owner must reach, the guaranteed return target investment rate payable to the first investor when the final target return amount is reached, and the general investment payable to the second investor. It can include all the conditions necessary for IP financial investments, such as target returns, total guarantee funds, and successful commission rates.

As shown in FIG. 3, the competition design management unit 420 includes an investment option design unit 421, a guaranteed investment design unit 422, a general investment design unit 423, a maturity repurchase design unit 424, and an early repurchase design unit 425. It may have a configuration that includes). In the following description, for the sake of convenience, the total amount of recruitment fund is 100 million, the investment period is 24 months, and the deposit amount is 0.5 billion.

First, the investment option design unit 421 will be described in more detail.

The investment option design unit 421 calculates the final target profit amount that the IP owner should reach by using the total amount of the funds raised.

More specifically, the investment option design unit 421, when the general funding amount corresponding to the total funding amount from the second investor is successful and the general funding amount is delivered to the IP owner, the IP owners general funding amount during the investment period. To generate revenue and calculate the final target revenue amount that should be reached.

That is, since the IP owner receives the general funding amount from the second investor and receives the total amount of guarantee funds from the first investor to guarantee a part of the general funding amount, the investment option design unit 421 may invest in the first investor. The final target profit amount is calculated based on the guarantee fee amount associated with the guarantee fund amount which equals the first maximum value of the risk and the second maximum value of the investment risk of the second investor.

As shown in FIG. 4, the investment option design unit 421 includes a guarantee fee calculation unit 4211, a final target profit calculation unit 4212, a warranty related target profit calculation unit 4213, and a general related target revenue calculation unit. It may have a configuration that includes (4214).

The guarantee fee calculation unit 4211 calculates a guarantee fee amount that equals the first maximum value of the investment risk and the second maximum value of the investment risk.

Here, the degree of risk (DoR) is a risk of the equation (1) including a rate of risk (RoR), a loss of investment (Los), and a weight of risk (Weight). Risk) It can be calculated as Equation 2 by multiplying three factors.

 [Equation 1]

Rate of Risk (RoR) = Risk / Return

Loss of Investment, Loss = Return-Risk

Weight of Risk (Weight) = Accumulated earning x Adjustment Factor

 [Equation 2]

DoR = RoR * Loss * Weight

At this time, if the maximum value (RoR _max , Loss _max , Weight _max ) for each of the risk measurement factors is calculated, the maximum value of the investment risk may be calculated as in Equation 3.

[Equation 3]

DoR _max = RoR _max * Loss _max * Weight _max

Thus, the guarantee fee calculation unit 4211 can calculate the first maximum value of the investment risk of the first investor and the second maximum value of the investment risk of the second investor using Equation 3, and the first maximum value. It is possible to calculate the guarantee fee amount that makes the value equal to the second maximum value.

That is, the guarantee fee amount is calculated so that the investment risk between the first investor and the second investor who invests together in one specific IP is the same.

Here, the guarantee fee amount is a liabilities guarantee fee, which is to be provided to the first investor who invests the total amount of the guarantee fund based on the security of the specific IP only, and the first investor total amount of the guarantee fund regardless of whether the final target revenue amount is reached. It can be obtained only by investing.

As such, it is easy to pay the guarantee fee only by investing in the total amount of guarantee funds regardless of whether the final target amount of return is reached to the first investor even if the IP owner does not have a separate collateral (eg cash, cash, etc.). This is to attract the guaranteed investment so that the total amount of the fund can be invested through the public offering.

In this regard, for the process of calculating the guarantee fee amount when the first maximum value of the investment risk of the first investor (DoR1 _max ) and the second maximum value of the investment risk of the second investor (DoR2 _max ) are shown in Table 1, I'll explain.

TABLE 1

The guarantee fee calculation unit 4211 calculates a maximum value (RoR _max , Loss _max , Weight _max ) for each of the three risk measurement factors for the first investor, and then uses Equation 3 to calculate the investment risk of the first investor. The first maximum value of DoR1 _max is calculated.

① 1st maximum value (DoR1 _max ) = RoR _max * Loss _max * Weight _max

= ((Total Guarantee Fund-Guarantee Fee Amount) / Guarantee Fee Amount) * (Guarantee Fee Amount-Guarantee Fund Amount) * Total Guarantee Fund

Thereafter, the guarantee fee calculation unit 4211 calculates a maximum value (RoR _max , Loss _max , Weight _max ) for each of the three risk measurement factors for the second investor, and then uses Equation 3 to calculate the second investor's risk. The second maximum value of investment risk (DoR2 _max ) is calculated.

② 2nd maximum value (DoR2 _max ) = RoR _max * Loss _max * Weight _max

= ((Total Recruitment Fund-Total Guarantee Fund) / Total Guarantee Fund) * (Total Guarantee Fund-Total Recruitment Fund) * (Final Target Revenue)

At this time, since the guarantee fee amount should be calculated among the parameters of the equations (1) and (2), the guarantee fee amount is calculated by calculating a quadratic equation with the guarantee fee amount as an unknown (x).

Thereafter, the guarantee fee calculation unit 4211 calculates a guarantee fee rate based on the guarantee fee amount. That is, the guarantee fee calculation unit 4211 determines the guarantee fee rate for the guarantee fee amount by dividing the guarantee fee amount by the guarantee fund amount.

For example, if the total amount of the guarantee fund is 0.5 billion and the guarantee fee amount is calculated as \ 9,573,513, the guarantee fee calculation unit 4211 divides the guarantee fee amount (\ 9,573,513) by the guarantee fund amount (0.5 billion). Calculate the commission rate (19.15%).

The final target revenue calculation unit 4212 calculates the final target return rate corresponding to the final target revenue amount so that the IP owner and the second investor share the guarantee fee amount to be paid to the first investor equally.

More specifically, the final target revenue calculation unit 4212 calculates the target revenue amount based on the total amount of the funds raised.

That is, the final target revenue calculation unit 4212 calculates the first profit loss ratio by confirming the maximum profit and the maximum loss of the IP owner based on the total amount of the funds raised. Subsequently, the final target profit calculation unit 4212 checks the maximum return and the maximum loss of the second investor and calculates the second return loss ratio. Thereafter, the final target revenue calculation unit 4212 calculates the target revenue amount first using the first profit loss ratio and the second profit loss ratio.

In this regard, when the maximum return and loss of the IP owner and the maximum return and loss of the second investor are shown in Table 2, the process of firstly calculating the target return amount will be described.

TABLE 2

The final target revenue calculation unit 4212 determines the maximum profit and the maximum loss of the IP owner, and then divides the maximum revenue by the maximum loss to calculate the first loss ratio.

③ First profit loss ratio = maximum profit / maximum loss

= Total Funding Amount / (Target Profit Amount-Total Funding Aid)

Similarly, the final target revenue calculation unit 4212 checks the maximum return and the maximum loss of the second investor and then divides the maximum return by the maximum loss to calculate the second return loss ratio.

④ 2nd Profit Loss Ratio = Max Profit / Max Loss

= (Target Revenue-Total Funding) / (Total Funding-Total Guaranteed Funds)

At this time, since the target profit amount should be calculated from the equation parameters of ③ and ④, the target profit amount is first calculated by calculating a second equation with the target profit amount as an unknown (x).

Thereafter, the final target revenue calculation unit 4212 calculates a target yield based on the first calculation result of the target revenue amount. That is, the final target revenue calculation unit 4212 determines a target rate of return for the first target target amount of money by dividing the difference between the target amount of revenue, which is the first result of the calculation, and the total amount of the funds raised.

When the first calculation of the target revenue amount and target yield is completed as described above, the final target revenue calculation unit 4212 determines the guaranteed fee in the first calculated target profit amount so that the IP owner and the second investor share the guaranteed fee amount equally. The final target return rate corresponding to the final target return amount is calculated by reflecting the amount.

That is, the final target revenue calculation unit 4212 calculates the final target revenue amount by reflecting the guaranteed fee amount as shown in Table 3 in the parameter of Table 2 for the first calculation of the target revenue amount.

TABLE 3

In other words, the final target revenue calculation unit 4212 calculates the first final profit loss ratio by reflecting the guarantee fee amount in the maximum profit and maximum loss of the IP owner and then dividing the maximum profit by the maximum loss.

⑤ 1st final profit loss ratio = maximum profit / maximum loss

= (Total Amount Funded-Guarantee Fee Amount) / (Target Profit Amount-Total Amount Funded + Guarantee Fee Amount)

Similarly, the final target profit calculation unit 4212 calculates the second final profit loss ratio by reflecting the guaranteed fee amount in the maximum return and the maximum loss of the second investor and then dividing the maximum return by the maximum loss.

⑥ 2nd final profit loss ratio = maximum profit / maximum loss

= (Target Revenue-Total Funding) / (Total Funding-Total Guaranteed Funds)

At this time, since the target profit amount among the equation parameters ⑤ and ⑥ corresponds to the final target profit amount, the final target profit amount is calculated by calculating a quadratic equation in which the target profit amount is unknown (x).

Thereafter, the final target profit calculation unit 4212 calculates the final target profit rate based on the final target profit amount. That is, the final target profit calculation unit 4212 determines a final target return rate for the final target profit amount by dividing the difference between the final target profit amount and the total amount of the recruitment fund by the total amount of the recruitment fund.

Hereinafter, an example of calculating the final target revenue amount and the final target yield in the final target revenue calculation unit 4212 will be described with reference to FIG. 5.

As shown in FIG. 5, when the total amount of the recruitment fund is 100 million, the investment period is 24 months, and the guarantee fund is the total amount of 0.5 billion, the final target revenue calculation unit 4212 is based on the maximum profit of the IP owner and After confirming the maximum loss, the first loss-loss ratio 600 is calculated using the above-described equation (③).

First Profit Loss Ratio (600) = Max Profit / Max Loss

= Total Funding Fund (100 million) / [Target Profit Amount (x)-Total Guarantee Fund (0.5 Billion)]

Similarly, the final target revenue calculation unit 4212 confirms the maximum return and the maximum loss of the second investor based on Table 2, and then calculates the second return loss ratio 610 using the above equation (4).

Second profit loss ratio (610) = maximum profit / maximum loss

= [Target Profit Amount (x) -Total Funding (100 million)] / [Total Funding (100 million) -Total Guarantee Fund (500 million)]

At this time, since the target profit amount should be calculated from the equation parameters for calculating the first loss ratio 600 and the second profit loss ratio 610, a quadratic equation in which the target return amount is unknown (x) as shown in Equation (4). The target revenue amount (\ 170,710,678) is calculated first.

[Equation 4]

x ^2- [2 * Total amount of guaranteed funds (0.5 billion)] x + (Total amount of raised funds * total amount of guaranteed funds) = 0

Thereafter, the final target revenue calculation unit 4212 calculates a target rate of return based on the first calculated target revenue amount (\ 170,710,678). That is, the final target revenue calculation unit 4212 divides the difference between the target revenue amount (\ 170,710,678) and the total amount of the fund raised (100 million), which is the first result of the calculation, by the total amount of the fund raised (100 million). The target rate of return (70.71%) is determined for the amount of profit (170,710,678).

When the first calculation of the target profit amount (\ 170,710,678) and the target return rate (70.71%) is completed as described above, the final target revenue calculation unit 4212 is configured to share the guaranteed fee amount with the IP owner and the second investor equally. The final target return rate corresponding to the final target return amount is calculated by reflecting the guaranteed fee amount in the calculated target return amount. Hereinafter, for convenience of explanation, the guarantee fee amount is \ 9,573,513 and the guarantee fee rate (19.15%) with respect to the guarantee fee amount (\ 9,573,513) will be described.

The final target revenue calculation unit 4212 checks the maximum profit and the maximum loss of the IP owner based on Table 3, and then calculates the first final profit loss ratio 620 using the above equation (5).

First final profit loss ratio (620) = maximum revenue / maximum loss

= [Total Amount Funded (100 million won)-Guarantee Fee Amount (\ 9,573,513)] / [Target Profit Amount (x)-Amount Funded Amount (100 million Won) + Guarantee Fee Amount (\ 9,573,513)]

Similarly, the final target return calculation unit 4212 confirms the maximum return and the maximum loss of the second investor based on Table 3, and then calculates the second final return loss ratio 630 using the above equation (6). .

Second Final Profit Loss Ratio (630) = Max Profit / Max Loss

= [Target Profit Amount (x) -Total Funding (100 million)] / [Total Funding (100 million) -Total Guarantee Fund (500 million)]

At this time, since the target revenue amount of the equation parameters for calculating the first final profit loss ratio 620 and the second final profit loss ratio 630 corresponds to the final target profit amount, the target profit amount is unknown as shown in Equation 5 (x). The final target profit amount (\ 162,624,203) is calculated by calculating the quadratic equation.

[Equation 5]

x ² + [Guarantee Fee (\ 9,573,513)-(2 * Total Funding Fund (100Million))] x + [(Grand Funding Fund (100Million) -Guarantee Commission Amount (\ 9,573,513)) * Total Guarantor Fund (0.5 Billion) )] = 0

Thereafter, the final target revenue calculation unit 4212 calculates the final target yield based on the final target revenue amount (\ 162,624,203). That is, the final target revenue calculation unit 4212 divides the difference between the final target revenue amount (\ 162,624,203) and the total amount of the recruitment fund (100 million) into the total target fund amount (100 million) to the final target revenue amount (\ 162,624,203). Final target rate of return (62.62%).

Referring back to FIG. 4, the guarantee related target return calculation unit 4213 calculates the guaranteed return on investment target return that the first investor obtains at the maximum when the final target return amount is reached.

More specifically, the guarantee related target revenue calculation unit 4213 confirms the success fee rate determined by the IP owner. Here, the success fee rate is set by the IP owner in order to provide the first investor with the guarantee fund as a concept of success fee when the cumulative profit amount generated by the specific IP becomes more than the total amount of the fund.

Thereafter, the guarantee related target revenue calculation unit 4213 calculates the guaranteed maximum success reward amount by multiplying the difference between the final target profit amount and the total amount of the recruitment fund by the success fee rate, as shown in Equation (6). Subsequently, the guarantee-related target revenue calculation unit 4213 calculates the guarantee investment target return rate by dividing the guarantee maximum success reward amount by the guarantee investment total amount.

Here, the guaranteed investment target return rate is the maximum return on investment that the first investor obtains when the cumulative total return amount is equal to or greater than the final target return amount.

[Equation 6]

Guaranteed maximum successful remuneration amount = (final target revenue amount-total funding amount) * success fee rate

Guaranteed Investment Target Return = Guaranteed Maximum Success Reward / Total Guaranteed Funds

For example, if the final target revenue amount is \ 162,624,203, the total amount of recruitment fund is 100 million, the total guarantee fund is 0.5 billion, and the successful commission rate is 20%, the cumulative total profit is more than the final target revenue amount (\ 162,624,203). Then, the guarantee-related target revenue calculation unit 4213 uses Equation 6 to multiply the difference between the final target revenue amount (\ 162,624,203) and the total amount of the funding fund (100 million) by the successful completion rate (20%) to guarantee maximum success. Compensation amount (\ 12,524,841) is calculated, and the guaranteed maximum success repair amount (\ 12,524,841) is divided by total guarantee fund (0.5 billion) to calculate the guaranteed return on investment (25.05%).

The general related target revenue calculation unit 4214 calculates the general investment target return rate that the second investor obtains at the maximum when the final target return amount is reached.

More specifically, the general related target return calculation unit 4214 calculates the general investment target return rate by reflecting the guaranteed maximum success remuneration amount corresponding to the guaranteed investment target return rate in the final target return amount when the final target return amount is reached.

That is, since the remaining amount other than the guaranteed maximum success remuneration amount to be paid to the first investor becomes the target investment amount of profit targeted by the second investor, the general target target income calculating unit 4214 is mathematically related. When the guarantee maximum successful remuneration amount is calculated as shown in Equation 7, the difference between the final target return amount and the guaranteed maximum successful remuneration amount is determined as the general investment target return amount.

Thereafter, the general related target revenue calculation unit 4214 calculates the general investment target return rate by dividing the difference value between the general investment target return amount and the total amount of the recruitment fund by the total amount of the recruitment fund. Here, the general investment target yield is the maximum return on investment that the second investor obtains when the cumulative total return exceeds the final target return amount.

[Equation 7]

-Amount of general return on investment = final amount of return on investment-Guaranteed maximum success fee

-General Investment Target Return = (General Investment Target Return-Total Funding) / Total Funding

For example, if the final target revenue amount is \ 162,624,203, the total amount of recruitment fund is 100 million, the total guarantee fund is 0.5 billion, and the maximum guaranteed reward amount is \ 12,524,841, the cumulative total revenue is the final target revenue amount (\ 162, 624, 203) or more, the general related target revenue calculation unit 4214 calculates the difference between the final target profit amount (\ 162,624,203) and the maximum guaranteed reward amount (\ 12,524,841) using the equation (7). \ 150,099,362), and calculate the general return on investment (50.10%) by dividing the difference between the total amount of general investment target return (\ 150,099,362) and the total amount of recruitment fund (100 million) by the total amount of recruitment fund (100 million).

After the description of the investment option design unit 421 in the competition design management unit 420 will be described in more detail with reference to FIG. 3.

The guarantee investment design unit 422 calculates the target repurchase amount per account to be repurchased to the first investor based on the result of confirming whether the final target profit amount is achieved.

More specifically, the guarantee investment design unit 422 determines whether the final target profit amount is achieved when the number of the first open call account and the open call-in unit price per first account are determined to recruit the first investor based on the basic registration information. Based on the confirmed result, the target repurchase amount per account is calculated by reflecting the target revenue amount per first account.

Here, the basic registration information is received from the IP owner, and includes an investment period in which the total amount of recruitment funds and the total amount of recruitment funds to be recruited as collaterals for a specific IP should be invested.

As shown in FIG. 6, the guarantee investment design unit 422 includes a guarantee-related basic setting unit 4201, a guarantee-related account revenue calculation unit 4222, and a guarantee-related account refund amount calculation unit 4223. Can have Hereinafter, the process of calculating the target repurchase amount per account to be repurchased to the first investor in the case shown in Table 4 will be described to help understand the explanation.

TABLE 4

The guarantee related basic setting unit 4201 determines the number of first open call accounts and the open call-in unit price per first account based on the total amount of the guarantee funds.

That is, when the total amount of guaranteed funds is 0.5 billion, the guarantee-related basic setting unit 4201 determines the number of the first open-ended accounts for recruiting the total guaranteed funds (0.5 billion), as shown in Table 4, per 10,000 first accounts. The bid price will be set at \ 5,000.

The guarantee related account revenue calculation unit 4222 calculates a target profit amount per first account based on the guarantee maximum success reward amount.

More specifically, the guarantee-related account revenue calculation unit 4222 may determine the guarantee maximum success repair amount when the cumulative profit total amount to be generated by a specific IP is greater than or equal to the final target profit amount to calculate the guarantee maximum success repair amount. The target profit amount per first account is calculated by dividing by the number of open accounts.

Here, the guaranteed maximum success compensation amount is a value corresponding to the maximum return on investment obtained by the first investor when the cumulative total return exceeds the final target return amount.

In other words, since the maximum guaranteed reward amount in Table 4 is \ 12,524,841, and the number of the first open-ended accounts is 10,000, the guarantee-related account revenue calculation unit 4422 determines the maximum guaranteed reward amount (\ 12,524,841) for the first open-air account. The result value (\ 1,252) divided by the number (10,000) is determined as the target revenue amount per first account.

The guarantee-related account redemption calculation unit 4223 calculates the target redemption amount per first account based on the target profit amount per first account.

More specifically, when the target revenue amount per first account is calculated, the guarantee-related account redemption calculation unit 4223 adds the target price amount per first account to the target price per first account by adding the target unit price amount per first account. Calculate the amount.

That is, since the bid price per 1 account in Table 4 is \ 5,000, and the target revenue amount per 1st account is \ 1,252, the guarantee-related account redemption calculation unit 4223 can set the bid price per 1 account ( \ 5,000) plus the target revenue amount (\ 1,252) per first account (\ 6,252) is determined as the target repurchase amount per first account.

After completing the description of the guaranteed investment design unit 422 in the competition design management unit 420 will be described in more detail with respect to the general investment design unit 423 with reference to FIG.

The general investment designing unit 423 calculates a target repurchase amount per account to be repurchased to the second investor based on the result of confirming whether the final target revenue amount has been achieved.

More specifically, the general investment design unit 423 determines whether the final target revenue amount is achieved when the number of second open call accounts and the open call price per second account are determined to recruit second investors based on the basic registration information. Based on the confirmed result, the target repurchase amount per second account is calculated by reflecting the target revenue amount per second account.

Here, the basic registration information is received from the IP owner, and includes an investment period in which the total amount of recruitment funds and the total amount of recruitment funds to be recruited as collaterals for a specific IP should be invested.

As shown in FIG. 7, the general investment design unit 423 includes a general related basic setting unit 4231, a general related account revenue calculating unit 4232, and a general related account repurchase amount calculating unit 4333. Can have In the following description, the process of calculating the target repurchase amount per account to be repurchased to the second investor in the case of Table 5 will be described to help understand the explanation.

TABLE 5

The general related basic setting unit 4231 determines the number of second open call accounts and the open unit price per second account based on the basic registration information.

That is, the general related basic setting unit 4231 checks the total amount of the funding and the investment period from the basic registration information. Thereafter, the general-related basic setting unit 4231 determines the number of second open call accounts and the open unit price per second account based on the total amount of the funds raised and the investment period.

In other words, when the total amount of the fund raised is 100 million, the general-related basic setting unit 4231 determines the number of second open call for the purpose of recruiting the total amount of recruited funds (100 million), as shown in Table 5, per 2nd account. The bid price will be set at \ 5,000.

The general related account revenue calculation unit 4232 calculates a target profit amount per second account based on the general investment target profit amount.

More specifically, the general related account revenue calculation unit 4232 may calculate the general investment target profit amount corresponding to the general investment target return rate when the cumulative total profit amount to be generated by a specific IP is greater than or equal to the final target profit amount. The target maximum amount of return per second account is calculated by dividing the general maximum acquisition return amount, which is the difference between the target amount of investment return and the total amount of the funds raised, by the number of second open call.

Here, the general investment target return amount is a value corresponding to the maximum return on investment obtained by the second investor when the cumulative total return amount is equal to or greater than the final target return amount.

That is, since the general investment target profit amount in Table 5 is \ 150,099,362, and the number of second public offering accounts is 20,000, the general related account revenue calculation unit 4232 can calculate the general investment target profit amount (\ 150,099,362) and the total amount of the funding fund ( The result of dividing the general maximum acquisition profit amount (\ 50,099,362), which is a difference of 100 million) by the number of second collusion accounts (20,000), is determined as the target profit amount per second account.

The general related account redemption amount calculation unit 4233 calculates the target redemption amount per second account based on the target amount of revenue per second account.

More specifically, when the target revenue amount per second account is calculated, the general related account redemption calculation unit 4333 adds the target revenue amount per second account to the target purchase price per second account by adding the target unit price amount per second account. Calculate the amount.

That is, since the bid price per second account in Table 5 is \ 5,000, and the target revenue amount per second account is \ 2,500, the general related account repurchase calculation unit 4333 can calculate the bid price per second account ( \ 5,000) plus the target revenue per second account (\ 2,500) (\ 7,500) is determined as the target repurchase amount per second account.

Meanwhile, the general investment designing unit 423 calculates a general amount of related principal security to ensure that a part of the total amount of the general fund of the second investor is guaranteed even when the total amount of the accumulated return is less than the total amount of the general fund. The configuration may further include 4234.

More specifically, the general related principal security calculation unit 4234 invests in the public offering price per second account so that the total amount of the general fund of the second investor is guaranteed according to the investment principal guarantee rate even when the second investor loses an investment. The amount of principal security repurchase per account is calculated by reflecting the principal guarantee rate.

Here, the investment principal guarantee rate is a principal funding ratio for determining a guaranteed amount of unconditional redemption of the general funds to the second investor even if a loss occurs when the second investor invests the general funds. Can be determined by the IP owner or the like. Hereinafter, for convenience of explanation, it will be described with reference to the investment principal guarantee rate is 50%.

That is, since the offer price per second account in Table 5 is \ 5,000 and the investment principal guarantee rate is 50%, the general relevant principal security calculation unit 4234 invests in the offer price per second account (5,000). The result of multiplying the principal guarantee rate (50%) (\ 2,500) is determined as the principal guarantee repurchase amount per account.

Since the principal security repurchase amount (\ 2,500) calculated in this way must be repurchased by the number of second public offering accounts (20,000), the general related principal security calculation unit 4234 calculates the number of second public offering accounts (20,000) and accounts. The result of multiplying the principal secured redemption amount (\ 2,500) (0.5 billion) is determined as the total amount of the principal redeemed amount per account.

As a result, since the total amount of guaranteed funds raised from the first investor (0.5 billion) is used as the guaranteed amount of invested capital to guarantee the principal's guaranteed repurchase amount (\ 2,500) per second invested account number (20,000), It would be desirable that the total amount of funds (0.5 billion) and the total amount of principal security repurchases per account (0.5 billion) be the same.

After the description of the general investment design unit 423 in the competition design management unit 420 will be described in more detail with respect to the maturity repurchase design unit 424 with reference to FIG. 3 again.

The maturity repurchase design unit 424 calculates the repurchase amount to be paid to the first investor and the second investor at the expiration time when the investment period is reached.

More specifically, the maturity repurchase design unit 424 calculates the maturity repurchase amount based on the cumulative revenue total amount to be generated by a specific IP at the time of maturity. As shown in FIG. 8, the maturity redemption design unit 424 may have a configuration including a warranty-related maturity ring calculation unit 4241 and a general related maturity ring calculation unit 4242.

First, the configuration for calculating the maturity repayment amount to be paid by the first investor will be described in more detail.

The guarantee-related maturity exchange calculation unit 4241 is based on the guarantee maturity repurchase conditions in Table 6 to determine the amount of the maturity repurchase to be repurchased to the first investor at the time of maturity, as shown in FIG. 9. A3, A4) are set, and the maturity redemption amount per first account for each maturity redemption section A1, A2, A3, A4 is determined.

 TABLE 6

More specifically, the guarantee-related maturity exchange output part 4241 uses the total amount of the guarantee fund as the investment capital guarantee amount when the cumulative profit amount to be generated by a specific IP is smaller than the guarantee fund amount and the guarantee maturity repurchase condition 1 is satisfied. Thus, it is possible to confirm that an investment loss of the first investor occurs.

Under the guarantee term repurchase condition 1, if the cumulative profit total amount is 0 won (\ 0), all the guarantee funds are used as the investment principal guarantee, but the cumulative income total amount is greater than 0 won (\ 0) and less than the total guaranteed fund amount. In this case, the cumulative total return will be used to guarantee the investment capital of the second investment. Therefore, the total amount of guaranteed capital minus the cumulative total profit used to guarantee the investor's principal capital of the second investor. Only a part of the total amount will be used to guarantee investment principal.

In conclusion, in the guaranteed maturity repurchase condition 1, it is not necessary to utilize the total amount of the cumulative income from the total amount of the guaranteed capital to guarantee the investment capital, thereby confirming that the cumulative income is provided to the first investors.

Accordingly, the guarantee-related maturity exchange calculation unit 4241 is configured to divide the cumulative profit total by the first collusion account in the maturity repurchase 1 section A1 corresponding to the guarantee maturity repurchase condition 1 in which the investment loss of the first investor occurs. A value of 1 is set to be the maturity repurchase amount per first account.

Similarly, the guarantee-related maturity exchange output part 4241 is, when the total amount of the cumulative profit is greater than the total amount of the guarantee fund and is smaller than the total amount of the general fund, so that the guaranteed term maturity repurchase condition 2 is satisfied, the total amount of the guarantee fund remains the same, It is possible to confirm that the calculated first guaranteed repair amount is not provided.

Here, the first guarantee success remuneration amount is smaller than the target repurchase amount per first account calculated based on the maximum guarantee remuneration amount guaranteed and is calculated based on the cumulative profit total amount.

Accordingly, the guarantee-related maturity exchange output unit 4241 is a first account in the maturity repurchase period 2 corresponding to the guarantee maturity repurchase condition 2 without a first investor's investment loss but without a first guarantee success remuneration amount. The second value corresponding to the proposed unit price is set to be the maturity repayment amount per first account.

Similarly, the guarantee-related maturity exchange calculation part 4241 provides the first guarantee successful remuneration amount in addition to the total guarantee funding amount when the cumulative total return is greater than the general funding amount and is smaller than the final target profit amount so that the guarantee maturity repurchase condition 3 is satisfied. You can see that.

Therefore, the guarantee-related maturity repayment calculation unit 4241 is the first guarantee at the compulsory unit price per first account in the maturity repurchase section 3 (A3) corresponding to the guarantee maturity repurchase condition 3, in which the successful remuneration amount is provided in addition to the total guarantee fund amount. The third value plus the successful remuneration amount is set to be the maturity repayment amount per first account.

Similarly, the guarantee-related maturity exchange calculation part 4241 can confirm that the guarantee maximum successful repair amount is provided in addition to the guarantee fund amount when the cumulative profit total amount is equal to or greater than the final target profit amount and the guarantee maturity repurchase condition 4 is satisfied. .

Therefore, the guarantee-related maturity exchange calculation unit 4241 guarantees the collateral unit price per 1 account in the maturity repurchase period 4 corresponding to the guarantee maturity repurchase condition 4 where the guarantee maximum successful remuneration amount is provided in addition to the total guarantee fund amount. The fourth value obtained by adding the target profit amount per first account calculated based on the maximum success remuneration amount is set to be the maturity repurchase amount per first account.

In this regard, FIG. 10 shows an example of determining a maturity repurchase amount per first account for each maturity repurchase period A1, A2, A3, A4. In FIG. 10, the maximum guaranteed repair amount as mentioned above is \ 12,524,841, the number of the first open-ended accounts is 10,000, and is determined based on the guaranteed maximum successful pay amount (\ 12,524,841) and the first open call number (10,000). It will be described by referring to the target revenue amount of \ 1,252 per first account.

As shown in FIG. 10, when the maturity repayment intervals A1, A2, A3, and A4 are set according to an embodiment of the present invention, the guarantee-related maturity exchange calculation part 4241 includes corresponding cumulative revenue totals. The maturity repurchase amount per first account in the maturity repurchase section may be determined.

For example, when the cumulative revenue total amount is 0 won (\ 0), the guarantee-related maturity exchange output part 4241 includes the cumulative profit total amount (\ 0) in the maturity exchange sections A1, A2, A3, and A4. The maturity redemption period 1 (A1) is checked. In this case, the maturity redemption period 1 (A1) is an investment loss amount because all the unit price of the first investor's collusion (\ 5,000) is used as the guarantee of investment principal when the cumulative profit total amount is 0 (\ 0). Since it is a section, the guarantee-related maturity redemption calculation unit 4241 determines the first investor's first maturity redemption amount per account as a first value (\ 0).

As another example, when the cumulative revenue total amount is 0.7 billion, the guarantee-related maturity exchange output part 4241 may include a maturity repurchase period 2 including a total amount of the total revenue (0.7 billion) among the maturity exchange segments A1, A2, A3, and A4 ( A2) is confirmed. At this time, the maturity repurchase period (A2) is a period in which the investment loss of the first investor does not occur but there is no first guarantee successful remuneration amount. The corresponding second value (\ 5,000) is determined as the maturity repayment amount per first account.

As another example, when the cumulative revenue total amount is 150 million, the guarantee-related maturity exchange output part 4241 is a maturity repurchase period including the cumulative profit total amount (150 million) among the maturity redemption periods (A1, A2, A3, A4). (A3) is confirmed. In this case, the maturity repurchase period 3 (A3) is a period in which the first guarantee successful remuneration amount must be provided in addition to the total guarantee fund amount, and thus the guarantee-related maturity repayment calculation part 4241 is calculated based on the total amount of the cumulative profit (150 million won). Confirm the first guaranteed repair fee (\ 1,000). Thereafter, the guarantee-related maturity redemption calculation unit 4241 maturates the third account value (\ 6,000) by adding the first collusion unit price amount (\ 5,000) to the first guarantee successful remuneration amount (\ 1,000). It is decided by repurchase amount.

As another example, when the cumulative profit total amount is 200 million, the guarantee-related maturity exchange output part 4241 is a 4-term maturity purchase segment including the cumulative profit total amount (200 million) among the maturity redemption periods (A1, A2, A3, A4). (A4) is confirmed. At this time, the four-term maturity repurchase period (A4) is a period in which the maximum guaranteed remuneration amount must be provided in addition to the total amount of the guarantee funds. The target revenue amount (\ 1,252) per first account is determined based on the number of accounts (10,000). Thereafter, the guarantee-related maturity redemption calculation unit 4241 may add a third unit price (\ 6,252) to the first account by adding the target unit price (\ 5,000) to the first account and the target revenue amount (\ 1,252) per first account. Determined as maturity repayment amount.

Next, the configuration for calculating the amount of maturity repayment to be paid by the second investor will be described in more detail.

The general relevant maturity redemption calculation unit 4242 is based on the general maturity redemption conditions in Table 7 to determine the amount of maturity repurchase to be repurchased by the second investor at the maturity point, as shown in FIG. B3, B4) are set, and the maturity repurchase amount per second account for each maturity repurchase period B1, B2, B3, B4 is determined.

TABLE 7

More specifically, the general related maturity exchange output unit 4242 can maximize the loss of investment in the total amount of general funds when the total amount of cumulative profits to be generated by a specific IP is less than the total amount of guaranteed funds and the general maturity repurchase condition 1 is satisfied. In accordance with the investment principal guarantee rate, it is possible to confirm that only the principal guarantee repurchase amount per account is provided to the second investor.

Accordingly, the general maturity repayment calculation unit 4242 has a maturity repayment amount per second account in the maturity repurchase section 1 corresponding to the general maturity repurchase condition 1 where the investment loss of the second investor is greatest. It is set to be the fifth value corresponding to the principal guarantee repurchase amount.

Similarly, the general relevant maturity exchange output part 4242 is a part of the investment capital for the total amount of general funds when the cumulative total return is greater than the total amount of guarantee funds and is smaller than the total amount of general funds so that the general maturity repurchase condition 2 is satisfied. It is possible to confirm that a part of the total amount of general funding equal to or more than the amount of principal guarantee repurchase per account according to the guarantee rate is provided to the second investor. That is, in the general maturity repurchase condition 2, the cumulative total return corresponds to the amount of the total capital minus the amount of investment loss, so that the second investor is provided with a partial amount of the total total capital smaller than the total total capital.

Accordingly, the general maturity repayment calculation unit 4242 provides a general maturity repayment condition that causes a second investor to lose investment but guarantees a partial amount of the total amount of general funds equal to or more than the principal guarantee repurchase amount per account even with the cumulative income. In the maturity repurchase section 2 corresponding to the second period (B2), the sixth value obtained by dividing the cumulative profit total by the second collusion account number is set to be the maturity repayment amount per second account.

Similarly, general related maturity redemption calculation unit 4242, if the cumulative total return is greater than the total amount of funds and less than the final target amount of profit and the general term maturity repurchase condition 3 is satisfied, the first general acquisition income amount other than the total amount of general funds is deducted. 2 You can see what is being offered to investors.

Here, the first general acquisition profit amount is less than the target repurchase amount per second account calculated based on the general maximum acquisition income amount, and is calculated based on the cumulative profit total amount.

Accordingly, the general relevant maturity repayment calculation unit 4242 is in accordance with the general unit maturity repurchase period 3 corresponding to the general maturity repurchase condition 3, in which, in addition to the general amount of general funds, the first general acquisition income amount is provided, The seventh value obtained by adding the first general acquisition profit amount is set to be the maturity repayment amount per second account.

Similarly, the general related maturity exchange calculation unit 4242 can confirm that the general maximum earned profit amount is provided in addition to the general fund amount when the cumulative profit total amount is equal to or greater than the final target profit amount and the general maturity redemption condition 4 is satisfied. .

Accordingly, the general relevant maturity repayment calculation unit 4242 is general to the public offering unit price per second account in the maturity repurchase period 4 (B4) corresponding to the general maturity repurchase condition 4 in which the general maximum earned profit amount is provided in addition to the general funding amount. The eighth value obtained by adding the target revenue amount per second account calculated based on the maximum acquisition profit amount is set to be the maturity repurchase amount per second account.

In this regard, FIG. 11 shows an example of determining the maturity repurchase amount per second account per maturity repurchase period B1, B2, B3, and B4. In FIG. 11, the general maximum acquisition profit amount is \ 50,099,362, the target profit amount per second account calculated on the basis of the general maximum acquisition profit amount (\ 50,099,362) is \ 2,500, and the number of second open offering accounts is 20,000. The investment principal guarantee rate is 50% and the principal repurchase amount per account is \ 2,500.

As shown in FIG. 11, when the maturity repayment intervals B1, B2, B3, and B4 are set according to an embodiment of the present disclosure, the general-related maturity exchange sales calculation unit 4242 includes corresponding cumulative revenue totals. A maturity repurchase amount per second account in the maturity repurchase section can be determined.

For example, if the cumulative total return is 0 won (\ 0), the general relevant maturity exchange output unit 4242 includes a cumulative total return (\ 0) of the maturity exchange period (B1, B2, B3, B4) The maturity redemption period 1 (B1) is checked. In this case, the maturity repurchase period 1 (B1) is the period in which the maximum amount of investment in the total amount of general funds occurs and only the principal guarantee repurchase amount (\ 2,500) per account is provided to the second investor according to the investment principal guarantee rate (50%). The general related maturity redemption calculation unit 4242 determines the fifth value (\ 2,500) corresponding to the principal guarantee repurchase amount per account as the second repayment amount per second account.

As another example, when the cumulative revenue total amount is 0.7 billion, the general relevant maturity exchange output part 4242 is a maturity repurchase period 2 including a total amount of the total profit (0.7 billion) among the maturity exchange segments B1, B2, B3, and B4 ( B2) is confirmed. In this case, the maturity repurchase period 2 (B2) is a period in which a second investor's investment loss occurs, but a portion of the total amount of general funds corresponding to more than the principal guarantee repurchase amount per account according to the investment principal guarantee rate is also provided as the cumulative total return. The general-related maturity redemption calculation unit 4242 determines the sixth value (\ 3,500) obtained by dividing the cumulative revenue total amount (0.7 billion) by the second collusion account number (20,000) as the maturity repayment amount per second account.

As another example, when the cumulative revenue total amount is 150 million, the general relevant maturity exchange output part 4242 is a maturity repurchase period including the cumulative profit total amount (150 million) among the maturity redemption periods (B1, B2, B3, B4). (B3) is confirmed. At this time, since the maturity repurchase period 3 (B3) is a period in which the first general acquisition profit amount is provided in addition to the general fund amount, the general related maturity exchange sales calculation part 4242 is calculated based on the cumulative income total amount (150 million won). 1 Check the general acquisition revenue amount (\ 2,000). Thereafter, the general related maturity redemption calculation unit 4242 has a seventh value (\ 7,000) plus a first general acquisition profit amount (\ 2,000) plus a second public offering unit price (\ 5,000) per second account. It is decided by repurchase amount.

As another example, when the cumulative profit total amount is 200 million, the general-related maturity exchange output part 4242 is a maturity repurchase period including the cumulative profit total amount (200 million) among the maturity redemption periods (B1, B2, B3, B4). (B4) is confirmed. At this time, the maturity redemption period 4 (B4) is the amount of general maximum earned profit (\ 50,099,362) acquired by the second investor when the cumulative total income (200 million) is more than the final target revenue amount (\ 162,624,203) in addition to the general funding amount. Since this is a section to be provided, the general related maturity exchange calculation unit 4242 checks the target revenue amount per second account (\ 2,500) calculated based on the general maximum acquisition profit amount (\ 50,099,362). Thereafter, the general related maturity redemption calculation unit 4242 has an eighth value (\ 7,500) obtained by adding the target unit price (\ 5,000) per second account to the target revenue amount (\ 2,500) per second account. Determine to be the maturity repayment amount.

In one embodiment of the present invention, but referred to as repurchase at the maturity point when the investment period is reached, but not limited to this, can be repurchased by the intermediate settlement in a predetermined period unit.

After completing the description of the maturity repurchase design unit 424 in the competition design management unit 420 will be described in more detail with respect to the early repurchase design unit 425 with reference to FIG.

The early repurchase design unit 425 sets the early repurchase discount amount per account if the final target profit amount is achieved in the early achievement period before reaching the investment period.

That is, the early repurchase design unit 425 calculates the early repurchase discount per account based on the early discount rate and the early achievement period because the investment target is shortened by reaching the final target profit amount before reaching the investment period.

Here, the early discount rate corresponds to the maximum discount rate that can be set by the IP owner at the time of early achievement, and it is preferable that the early discount period is set at a rate that can calculate an appropriate discount amount for both the IP owner and the investor in consideration of the early achievement period. something to do.

Hereinafter, the IP financial investment flow according to the embodiment of the present invention will be described in more detail with reference to FIG. 12.

As shown in FIG. 12, when the IP owner terminal 100 according to the present invention is connected to the investment platform device 400 and transmits information and basic registration information of a specific IP, the investment platform device 400 is identified. The IP is registered as an investment target (S100 and S101).

In this case, the verification process may be processed by an IP certification authority, a legal expert, etc. before registering a specific IP as an investment target, and it may be desirable to register the specific IP that has been verified as an investment target.

Thereafter, the investment platform device 400 designs the IP financial investment model so that the competition can proceed based on the basic registration information of the specific IP. That is, the investment platform device 400 may be provided between the first investor who invests the total guarantee fund and the second investor who invests the general fund amount to obtain the return on investment based on the result of evaluating the security of the specific IP. Set collusion conditions for diversifying investment risk (S102).

In this way, if the conditions for the offering are set and the total amount of guaranteed funds is confirmed, the investment platform device 400 determines the first investor and determines the total amount of guaranteed funds based on the result of evaluating the security of the specific IP. ) To be invested (S103). Thereafter, when the investment is completed by the total amount of the guaranteed funds, the investment platform device 400 confirms that the guaranteed investment is successful (S104).

On the other hand, if the guaranteed investment is successful, the investment platform device 400 proceeds with the competition to recruit a second investor based on the conditions of the competition (S105). As such, when the second investor in response to the open call is decided, the investment platform device 400 receives the general funding amount from the second investor terminal 300.

Thereafter, the investment platform device 400 determines whether the total amount of general funds is the same as the total amount of recruitment funds (S106).

As a result of the determination in step S106, if the total amount of general funds is not the same as the total amount of the recruitment fund, the investment platform device 400, since the amount of general funds invested from the second investor is smaller than the total amount of the recruitment fund desired by the IP owner, It is determined that investment attraction has failed (S107). As such, when the investment attraction of the IP owner fails, the investment platform device 400 transmits the investment amount to the second investor terminal 300 to return the investment amount to the second investor (S108).

On the other hand, when the determination result of step S106, the total amount of general funding is equal to the total amount of recruitment funds, the investment platform device 400, since the general amount of funds invested from the second investor is the same as the total amount of recruitment funds desired by the IP owner, It is determined that the investment attraction is successful (S109).

As such, when the attracting investment of the IP owner succeeds, the investment platform device 400 transmits the general funding amount collected from the second investor to the IP owner terminal 100 (S110).

Accordingly, the IP owner, through the public offering can receive the total amount of general funds from the second investor terminal 300, and generate revenue by operating a development project, etc. based on the total amount of general funds and a specific IP (S111). .

As such, the investment result information such as profit and loss of the IP owner's funds operation is processed by the investment platform device 400 based on the collusion conditions, so that the IP owner terminal 100, the first investor terminal 200, and the third investor Sharing with the terminal 300 (S112).

In the exemplary embodiment of the present invention, the investment platform device 400 refers to returning the investment amount to the second investor or transmitting the total amount of general funds to the IP owner terminal 100, but is not limited thereto. For this purpose, the Korea Securities Depository, a government agency, and Korea Securities Finance, a securities bank, may manage, deliver, or refund the funds.

13 is a flowchart illustrating an operation flow of determining a collusion condition through the design of an IP financial investment model according to an embodiment of the present invention.

As shown in FIG. 13, when the investment platform device 400 according to the embodiment of the present invention receives information and basic registration information of a specific IP from the IP owner terminal 100 to raise funds with IP as collateral, Based on the received information to register a specific IP as an investment target (S200). Here, the basic registration information includes the total investment fund to be recruited as a collateral for the specific IP and the investment period in which the total investment fund should be invested.

Thereafter, the investment platform device 400 may be provided between the first investor who invests the total guarantee fund and the second investor who invests the general fund amount to obtain the return on investment based on the result of evaluating the security of the specific IP. The IP financial investment model is designed so that the collusion conditions for diversifying investment risks can be established.

Here, the conditions of the offer are the final target return amount that the IP owner must reach, the guaranteed return target investment rate payable to the first investor when the final target return amount is reached, and the general investment payable to the second investor. It can include all the conditions necessary for IP financial investments, such as target returns, total guarantee funds, and successful commission rates.

First, the investment platform device 400, when the general funding amount corresponding to the total funding amount from the second investor is successful and the general funding amount is delivered to the IP owner, the IP owner uses the general funding amount during the investment period. The final target revenue amount that should be reached by generating revenue is calculated (S201-S204).

That is, since the IP owner receives the general funding amount from the second investor and receives the guarantee funding amount to guarantee a part of the general funding amount from the first investor, the investment platform device 400 invests the first investor. The final target profit amount is calculated based on the guarantee fee amount associated with the guarantee fund amount which equals the first maximum value of the risk and the second maximum value of the investment risk of the second investor.

More specifically, the investment platform device 400 calculates a first maximum value of the investment risk of the first investor and a second maximum value of the investment risk of the second investor, and equals the first maximum value and the second maximum value. Calculate the amount of guarantee fee. That is, the guarantee fee amount is calculated so that the investment risk between the first investor and the second investor who invests together in one specific IP is equal.

Here, the guarantee fee amount is a liabilities guarantee fee, which is to be provided to the first investor who invests the total amount of the guarantee fund based on the security of the specific IP only, and the first investor total amount of the guarantee fund regardless of whether the final target revenue amount is reached. It can be obtained only by investing.

As such, it is easy to pay the guarantee fee only by investing in the total amount of guarantee funds regardless of whether the final target amount of return is reached to the first investor even if the IP owner does not have a separate collateral (eg cash, cash, etc.). This is to attract the guaranteed investment so that the total amount of the fund can be invested through the public offering.

Thereafter, the investment platform device 400 calculates the final target return rate corresponding to the final target return amount so that the IP owner and the second investor share the guarantee fee amount to be paid to the first investor.

More specifically, the investment platform device 400 checks the maximum profit and the maximum loss of the IP owner based on the total amount of the recruitment fund, and calculates the first profit loss ratio. Subsequently, the investment platform apparatus 400 checks the maximum return and the maximum loss of the second investor and calculates the second return loss ratio. Thereafter, the final target revenue calculation unit 4212 calculates the target revenue amount first using the first profit loss ratio and the second profit loss ratio.

Thereafter, the investment platform device 400 determines a target rate of return on the target calculated amount of profit by dividing the difference between the target amount of profit, which is the first calculation result, and the total amount of the funding, by the total amount of the fund.

As such, when the first calculation of the target profit amount and target return is completed, the investment platform device 400 allocates the guarantee fee amount to the first calculated target profit amount so that the IP owner and the second investor share the guarantee fee amount equally. The final target return rate corresponding to the final target return amount is calculated.

Thereafter, the investment platform device 400 determines the final target return rate for the final target return amount by dividing the difference between the final target return amount and the total amount of the recruitment fund.

When the final target return amount and final target return are determined according to the above, the investment platform apparatus 400 calculates the guaranteed return on investment target return that the first investor obtains to the maximum when the final target return amount is reached.

More specifically, the investment platform device 400 confirms the success fee rate determined by the IP owner. Here, the success fee rate is set by the IP owner in order to provide the first investor with the guarantee fund as a concept of success fee when the cumulative profit amount generated by the specific IP becomes more than the total amount of the fund.

Thereafter, the investment platform device 400 calculates the guaranteed maximum success reward amount by multiplying the difference between the final target profit amount and the total amount of the recruitment fund by the success fee rate. Subsequently, the investment platform device 400 calculates the guaranteed investment target return rate by dividing the guaranteed maximum success repair amount by the guaranteed investment total amount. Here, the guaranteed investment target return rate is the maximum return on investment that the first investor obtains when the cumulative total return amount is equal to or greater than the final target return amount.

Meanwhile, the investment platform device 400 calculates a general investment target return rate that the second investor obtains at the maximum when the final target return amount is reached.

More specifically, the investment platform device 400 calculates the general investment target return rate by reflecting the guaranteed maximum success remuneration amount corresponding to the guaranteed investment target return rate in the final target return amount when the final target return amount is reached.

That is, since the remaining amount other than the guaranteed maximum success remuneration amount to be paid to the first investor is the target investment amount of money targeted by the second investor, the investment platform device 400 determines the final target amount of return. The difference between the maximum and guaranteed maximum successful remuneration amount is determined as the general investment target return.

Thereafter, the investment platform device 400 calculates the general investment target return rate by dividing the difference value between the general investment target return amount and the total amount of the recruitment fund by the total amount of the recruitment fund. Here, the general investment target yield is the maximum return on investment that the second investor obtains when the cumulative total return exceeds the final target return amount.

According to the foregoing, when the calculation of the investment option parameters for product design, such as final target return, guaranteed investment target return, and general investment target return, is completed, the investment platform device 400 performs guarantee investment products and general investment for guaranteed investment. Design general investment products for Here, the guaranteed investment product and the general investment product may include investment options (revenue, repurchase, etc.) for each account.

First, the process of designing a guaranteed investment product will be explained in detail.

The investment platform device 400, based on the result of confirming whether the final target revenue amount is achieved, if the number of the first open call account and the open call-in unit price per first account are determined to recruit the first investors based on the basic registration information. By calculating the target repurchase amount per account by reflecting the target revenue amount per first account (S205).

Here, the basic registration information is received from the IP owner, and includes an investment period in which the total amount of recruitment funds and the total amount of recruitment funds to be recruited as collaterals for a specific IP should be invested.

More specifically, the investment platform device 400, when the total amount of cumulative profit to be generated by a specific IP is equal to or more than the final target revenue amount to calculate the guaranteed maximum success reward amount, the investment platform device 400 calculates the maximum guaranteed reward amount of the first public offering account. Divide by to calculate the target revenue amount per first account.

Here, the guaranteed maximum success compensation amount is a value corresponding to the maximum return on investment obtained by the first investor when the cumulative total return exceeds the final target return amount.

Subsequently, when the target revenue amount per first account is calculated, the investment platform device 400 calculates a target repurchase amount per first account by adding the target revenue amount per first account to the collusion unit price per first account.

Next, the process of designing general investment products will be explained in detail.

The investment platform device 400, based on the result of confirming whether the final target revenue amount is achieved when the number of second open call accounts and the open call price per second account are determined to recruit second investors based on the basic registration information. By calculating the target repurchase amount per second account by reflecting the target revenue amount per second account (S206).

More specifically, the investment platform device 400, if the total amount of the funds raised and the investment period is confirmed from the basic registration information, based on the total amount of the funds raised and the investment period determines the number of second open offering account and the unit price per second do.

Subsequently, when the total amount of the cumulative return to be generated by the specific IP is equal to or greater than the final target return amount, the investment platform device 400 calculates the general investment target return amount corresponding to the general investment target return rate. The target maximum amount of profit per second account is calculated by dividing the general maximum earned profit amount, which is the difference in the total amount of the fund, by the number of second open call accounts.

Here, the general investment target return amount is a value corresponding to the maximum return on investment obtained by the second investor when the cumulative total return amount is equal to or greater than the final target return amount.

When the target revenue amount per second account is calculated as described above, the investment platform device 400 calculates the target repurchase amount per second account by adding the target profit amount per second account to the collusion unit price per second account.

On the other hand, the investment platform device 400, even if the cumulative total return is less than the total amount of the general fund, guarantees a part of the total amount of the general fund of the second investor even if a loss occurs.

That is, the investment platform device 400 reflects the investment principal guarantee rate in the collusion unit price per second account so that the total amount of general funds of the second investor is guaranteed according to the investment principal guarantee rate even when an investment loss of the second investor occurs. Calculate the amount of principal guarantee repurchase per account.

As a result, since the total amount of guaranteed funds raised from the first investor is utilized as the amount of investment principal guarantee to guarantee the amount of the principal guarantee repurchase amount per second collusion account of the second investor, the total amount of the guarantee funds and the amount of principal guarantee repurchase amount per account are the same. It would be desirable.

Upon completion of the design of the guaranteed investment product and the general investment product according to the above, the investment platform device 400 performs the design related to the maturity repurchase and early repurchase.

That is, the investment platform device 400 calculates the maturity repayment amount to be paid to the first investor and the second investor, based on the cumulative profit total amount to be generated by the specific IP at the expiration time when the investment period is reached.

First, the process of designing the maturity repayment amount to be paid by the first investor will be described in more detail.

Investment platform device 400, the maturity repurchase period (A1, A2, A3, A4) as shown in Figure 9 based on the guarantee maturity repurchase conditions of Table 6 to determine the maturity repurchase amount to be repurchased to the first investor at the time of maturity ), And the maturity repurchase amount per first account for each maturity repurchase period A1, A2, A3, A4 is determined (S207).

TABLE 6

More specifically, the investment platform device 400, when the total amount of cumulative revenue to be generated by a specific IP is less than the total amount of guarantee funds and the guarantee maturity repurchase condition 1 is satisfied, the total amount of guarantee funds is utilized as the guarantee amount of the investment principal, the first It is possible to confirm the investor's loss.

Under the guarantee term repurchase condition 1, if the cumulative profit total amount is 0 won (\ 0), all the guarantee funds are used as the investment principal guarantee, but the cumulative income total amount is greater than 0 won (\ 0) and less than the total guaranteed fund amount. In this case, the cumulative total return will be used to guarantee the investment capital of the second investment. Therefore, the total amount of guaranteed capital minus the cumulative total profit used to guarantee the investor's principal capital of the second investor. Only a part of the total amount will be used to guarantee investment principal.

In conclusion, in the guaranteed maturity repurchase condition 1, it is not necessary to utilize the total amount of the cumulative income from the total amount of the guaranteed capital to guarantee the investment capital, thereby confirming that the cumulative income is provided to the first investors.

Accordingly, the investment platform device 400, in the maturity repurchase period 1 corresponding to the guarantee maturity repurchase condition 1 in which the investment loss of the first investor occurs, the first value obtained by dividing the cumulative profit total by the first collusion account number. It is set to be the maturity repurchase amount per first account.

Similarly, the investment platform device 400, if the cumulative revenue total amount is more than the total guarantee fund and less than the general fund total, and the guarantee maturity repurchase condition 2 is satisfied, the guaranteed fund amount remains the same but is calculated based on the cumulative profit amount. 1 It can be confirmed that the guarantee success fee is not provided.

Here, the first guarantee success remuneration amount is smaller than the target repurchase amount per first account calculated based on the maximum guarantee remuneration amount guaranteed and is calculated based on the cumulative profit total amount.

Accordingly, the investment platform device 400 does not generate an investment loss of the first investor, but the unit price per 1st account in the maturity repurchase period 2 (A2) corresponding to the guarantee maturity repurchase condition 2 without the first guarantee successful remuneration amount The second value corresponding to the amount is set to be the maturity repurchase amount per first account.

Similarly, the investment platform device 400 confirms that the first guaranteed guarantee amount is provided in addition to the guarantee fund amount when the cumulative profit total amount is equal to or greater than the general fund amount and is smaller than the final target profit amount so that the guaranteed maturity repurchase condition 3 is satisfied. It becomes possible.

Accordingly, the investment platform device 400, in the maturity repurchase period (A3) corresponding to the guarantee maturity repurchase condition 3, in which the successful remuneration amount is provided in addition to the total guarantee fund amount, the first guarantee successful remuneration amount to the collusion unit price per first account. The third value plus is set to be the maturity repayment amount per first account.

Similarly, the investment platform device 400 can confirm that the guarantee maximum success repair amount is provided in addition to the guarantee fund total amount when the cumulative profit total amount is equal to or greater than the final target return amount and the guarantee maturity repurchase condition 4 is satisfied.

Therefore, the investment platform device 400, in the maturity repurchase section 4 (A4) corresponding to the guarantee maturity repurchase condition 4, in which the guaranteed maximum successful remuneration amount is provided in addition to the total guarantee fund amount, the guaranteed maximum successful repair fee The fourth value obtained by adding the target revenue amount per first account calculated based on the amount is set to be the maturity repurchase amount per first account.

The following is a more detailed description of the process of designing a maturity repayment amount to be paid by a second investor.

Investment platform device 400, the maturity repurchase period (B1, B2, B3, B4) as shown in Figure 9 based on the general maturity repurchase conditions of Table 7 to determine the maturity repurchase amount to be repurchased to the second investor at the maturity point ), And the maturity repurchase amount per second account for each maturity repurchase period B1, B2, B3, and B4 (S208).

TABLE 7

More specifically, the investment platform device 400, if the cumulative total return to be generated by a specific IP is less than the total amount guaranteed funds, and the general maturity repurchase condition 1 is satisfied, the investment loss to the total amount of the general capital occurs to the maximum investment According to the principal guarantee rate, it is possible to confirm that only the principal guarantee repurchase amount per account is provided to the second investor.

Accordingly, the investment platform device 400, in the maturity repurchase period 1 corresponding to the general maturity repurchase condition 1, in which the investment loss of the second investor is greatest, the repayment amount of the maturity per second account is the principal guarantee repurchase per account. It is set to be the fifth value corresponding to the amount of money.

Similarly, the investment platform device 400, if the cumulative total return is greater than the total guarantee fund and less than the total amount of the general fund, and the general maturity repurchase condition 2 is satisfied, some of the investment loss occurs in the total amount of the general fund, so that the investment platform according to the investment principal guarantee rate It is possible to confirm that a part of the total amount of general funds corresponding to the amount of the principal guarantee repurchase per account is provided to the second investor. That is, in the general maturity repurchase condition 2, the cumulative total return corresponds to the amount of the total capital minus the amount of investment loss, so that the second investor is provided with a partial amount of the total total capital smaller than the total total capital.

Accordingly, the investment platform device 400 responds to the general maturity repurchase condition 2 in which a second investor's investment loss occurs, but a part of the total amount of the general funds corresponding to more than the principal guarantee repurchase amount per account even with the cumulative profit total amount. In the maturity repurchase section 2 (B2), the sixth value obtained by dividing the cumulative profit total by the number of second collusion accounts is set to be the maturity repayment amount per second account.

Similarly, the investment platform device 400, if the cumulative earnings total amount is more than the general funding sum and less than the final target revenue amount, so that the general maturity repurchase condition 3 is satisfied, the first general acquisition profit amount in addition to the general funding sum is provided to the second investor. You can see what is provided.

Here, the first general acquisition profit amount is less than the target repurchase amount per second account calculated based on the general maximum acquisition income amount, and is calculated based on the cumulative profit total amount.

Therefore, the investment platform device 400, in the maturity repurchase period 3 (B3) corresponding to the general maturity repurchase condition 3, in which the first general acquisition profit amount is provided in addition to the general funding amount, the investment platform device 400 is the first general unit price per second account. The seventh value obtained by adding the amount of the acquired profit is set to be the maturity repayment amount per second account.

Similarly, the investment platform device 400 can confirm that the general maximum earned profit amount is provided in addition to the general fund amount when the cumulative profit total amount is equal to or greater than the final target profit amount and the general maturity repurchase condition 4 is satisfied.

Accordingly, the investment platform device 400, in the maturity repurchase period 4 (B4) corresponding to the general maturity repurchase condition 4, in which the general maximum earned income amount is provided in addition to the general funding amount, the general maximum acquisition income to the collusion unit price per second account. The eighth value plus the target revenue amount per second account calculated based on the amount is set to be the maturity repurchase amount per second account.

On the other hand, the investment platform device 400, if the final target profit amount is achieved in the early achievement period before reaching the investment period to set the early repurchase discount amount per account (S209).

That is, since the investment platform device 400 reaches the final target profit amount before the investment period and the investment period is shortened, the investment platform device 400 calculates the early repurchase discount amount per account based on the early achievement discount rate and the early achievement period.

Here, the early discount rate corresponds to the maximum discount rate that can be set by the IP owner at the time of early achievement, and it is preferable that the early discount period is set at a rate that can calculate an appropriate discount amount for both the IP owner and the investor in consideration of the early achievement period. something to do.

As described above, according to the investment platform device according to an embodiment of the present invention and a method of operating the same, two-step investment of guarantee investment and general investment is made based on the security of only specific IP, By diversifying the investment risk between the first investor and the second investor participating in the general investment, it is possible to attract investment and generate profits in relation to the IP value, as well as to invest in the linkage between the first investor and the second investor. Instead of reducing the risk of loss, we can provide an IP financial investment model that increases the expected return, thereby activating IP finance by improving user satisfaction with IP financial investment.

Embodiments of the present invention can be implemented in the form of program instructions that can be executed by various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.

According to the investment platform device of the present invention and a method of operating the same, two-step investment of guarantee investment and general investment is made based on the security of specific IP only, and the first investor participating in the guarantee investment and the second investment participating in the general investment By diversifying investment risks between investors, you can generate profits by attracting investments related to IP value, and increase expected return instead of reducing the risk of loss of investment through the connection between first and second investors. It is possible to provide an IP financial investment model, which can contribute to revitalization of IP finance by improving user satisfaction with IP financial investment. Not only is the possibility of marketing or sales of the device to be applied, but also practically clear. The invention in the industrial applicability.

Claims (17)

1. A registration management unit that receives a specific IP from an IP owner who intends to raise funds with intellectual property (IP) as a security, and registers the specific IP as an investment target; And

   Based on the result of evaluating the collateral power of the specific IP so that the public offering can proceed based on the basic registration information of the specific IP, the first investor who invests the total amount of guarantee funds and the total general funding to obtain the return on investment through the public offering. Competition Design Management Department, which sets competition conditions for diversifying investment risk among second investors who invest

   Investment platform device comprising a.
2. The method of claim 1,

   The basic registration information,

   Received from the IP owner, and includes the total amount of recruitment funds to be recruited as collateral to the specific IP and the investment period should be invested,

   The competition is

   When the guarantee fund is successfully recruited, the general funding amount is completed only when the general funding amount is recruited by the amount corresponding to the total funding amount, and the investment attraction of the IP owner is completed, and the general fund corresponding to the total funding fund is provided to the IP owner. Investment platform device, characterized in that the total amount is paid.
3. The method of claim 1,

   The contest conditions are,

   The final target amount of revenue that the IP owner must reach, the guaranteed investment target rate of return to be paid to the first investor when the final target amount of return is reached, and the general investment target to be paid to the second investor using the total amount of the recruitment fund. An investment platform device comprising a yield.
4. The method of claim 3, wherein

   The competition design management unit,

   Calculating the final target profit amount based on the guarantee fee amount associated with the guarantee fund amount, which equals the first maximum value of the investment risk of the first investor and the second maximum value of the investment risk of the second investor; Including investment option design,

   The investment risk is an investment platform device, characterized in that calculated by multiplying the risk (Rate of Risk, RoR), the loss of Investment (Loss), the weight of risk (Weight of Risk, Weight).
5. The method of claim 4, wherein

   The investment option design unit,

   A guarantee fee calculation unit that calculates the guarantee fee amount equal to a first maximum value of the investment risk and a second maximum value of the investment risk;

   The final target return rate corresponding to the final target return amount is reflected by reflecting the guaranteed fee amount in the target return amount calculated based on the total amount of the recruitment fund so that the IP owner and the second investor share the guaranteed fee amount equally. Final target revenue calculation unit for calculating;

   A guarantee-related target return calculation unit that calculates the guaranteed investment target return rate based on a success rate determined by the IP owner when the final target return amount is reached; And

   An investment platform comprising a general target target yield calculation unit which calculates the general target investment yield by reflecting the maximum successful remuneration amount corresponding to the guaranteed investment target yield in the final target profit amount when the final target profit amount is reached; Device.
6. The method of claim 5,

   The competition design management unit,

   Based on the basic registration information, if the number of the first open call account and the open call-in unit price per first account for recruiting the first investor are determined, based on a result of confirming whether the final target revenue amount is achieved, And an investment investment design unit for calculating a target repurchase amount per first account by reflecting the target revenue amount.
7. The method of claim 6,

   The guarantee investment design unit,

   A guarantee-related basic setting unit for determining the number of the first open offering account and the open offer price per first account based on the guarantee fund total amount;

   If the cumulative profit total amount to be generated by the specific IP is equal to or greater than the final target profit amount and the maximum success reward amount is calculated, the maximum success reward amount is divided by the number of the first open accounts and the target profit amount per first account. Guarantee related account revenue calculation unit to calculate the; And

   And a guarantee-related account redemption calculation unit for calculating a target repurchase amount per first account by adding the target revenue amount per first account to the collusion unit price per first account.
8. The method of claim 5,

   The competition design management unit,

   Based on the basic registration information, if the number of second open call accounts and the open call price per second account for recruiting the second investors are determined, the second account is based on the result of confirming whether the final target profit amount is achieved. An investment platform device comprising a general investment design unit for calculating a target repurchase amount per second account reflecting the target revenue amount.
9. The method of claim 8,

   The general investment design unit,

   A general-related basic setting unit which determines the number of second open offering accounts and the open offer price per second account based on the total amount of the funds raised and the investment period identified from the basic registration information;

   If the cumulative profit total amount to be generated by the specific IP is equal to or greater than the final target profit amount and the general investment target return amount corresponding to the general investment target return rate is calculated, the difference between the general investment target return amount and the total funding amount A general related account revenue calculation unit that calculates a target profit amount per second account by dividing a general maximum acquisition profit amount, which is a value, by the number of second public offering accounts; And

   And a general related account redemption calculation unit configured to calculate a target redemption value per second account by adding the target revenue amount per second account to the public offering price per second account.
10. The method of claim 9,

    The general investment design unit,

    Even when the investment loss of the second investor occurs, the general repayment amount per account is calculated by reflecting the investment principal guarantee rate in the collusion unit price per second account so that the total amount of general funds is guaranteed according to the investment principal guarantee rate. It further includes the calculation of the related principal guarantee amount,

    The guarantee fund total is

    An investment platform device, which is used as an investment principal guarantee amount to guarantee the principal guarantee repurchase amount per account, and is equal to the total amount of the principal guarantee repurchase amount per account.
11. The method of claim 9,

    The competition design management unit,

    A maturity repurchase design unit for calculating a maturity repurchase amount based on the cumulative profit total amount to be generated by the specific IP at the maturity time when the investment period is reached;

    The maturity repurchase design unit,

    A guarantee-related maturity exchange calculation unit for calculating a maturity repurchase amount per first account of the first investor; And

    An investment platform device further comprising a general relevant maturity return calculation unit for calculating the maturity repurchase amount per second account of the second investor.
12. The method of claim 11,

    The guarantee-related maturity exchange calculation unit,

    The total guarantee fund is used as the investment principal guarantee amount to set a maturity repurchase period (A1) in which the investment loss of the first investor occurs.

    Set the maturity repurchase period 2 (A2) in which the guarantee fund amount remains the same but the first guarantee successful remuneration amount calculated based on the accumulated profit amount is not provided;

    In addition to the total amount of the guarantee fund, a three-term repayment period (A3) through which the first guarantee successful remuneration amount is provided is set;

    An investment platform device, characterized in that for setting the maturity repurchase period 4 (A4) is provided in addition to the total guarantee fund amount.
13. The method of claim 12,

    The guarantee-related maturity exchange calculation unit,

    If the cumulative profit total is less than the guarantee fund total, the maturity redemption 1 section A1 is set such that a first value obtained by dividing the cumulative profit total by the first collusion account is a maturity repurchase amount per first account. ,

    If the cumulative revenue total amount is more than the guarantee fund total and less than the general fund amount, the second maturity repurchase period 2 so that a second value corresponding to the unit price of the public offering per first account becomes a maturity repurchase amount per first account ( Set A2),

    If the cumulative revenue total amount is equal to or greater than the general funding sum and is less than the final target revenue amount, a third value obtained by adding the first guaranteed successful remuneration amount to the first public offering price per unit is the third repayment amount per first account. Set the maturity repurchase period 3 to be

    If the cumulative revenue total amount is equal to or greater than the final target revenue amount, a fourth value obtained by adding a target unit price amount per first account to the target revenue amount per first account calculated based on the maximum successful remuneration amount is the first account. The investment platform device, characterized in that for setting the four maturity repurchase period (A4) to be the amount of the maturity repayment.
14. The method of claim 11,

    The general related maturity return calculation unit,

    The maximum amount of investment loss in the total amount of general funds is generated, and according to the investment principal guarantee rate, only the principal guarantee repurchase amount per account is set for the maturity repurchase period 1 provided to the second investor.

    According to the investment loss on the total amount of the general funds, a partial maturity redemption period (B2) in which a part of the total amount of the general funds corresponding to the amount of the principal guarantee repurchase amount per account according to the investment principal guarantee rate is provided to the second investor; Setting,

    In addition to the total amount of general funds, the first general acquisition profit amount calculated on the basis of the cumulative profit total amount smaller than the target purchase amount per second account is provided to the second investor.

    An investment platform device, characterized in that for setting the maturity repurchase period 4 (B4) is provided in addition to the total amount of general funding, the general maximum acquisition profit amount.
15. The method of claim 14,

    The general related maturity return calculation unit,

    If the cumulative revenue total amount is less than the guarantee fund total, the maturity repurchase period 1 is set such that a fifth value corresponding to the principal guarantee repurchase amount per account becomes the maturity repurchase amount per second account,

    If the cumulative profit total amount is greater than the guarantee fund total and less than the general fund total, the maturity repurchase 2 such that the sixth value obtained by dividing the cumulative profit total by the second collusion account becomes the maturity repurchase amount per second account. Set the interval (B2),

    If the cumulative revenue total amount is equal to or greater than the general funding sum and is less than the final target revenue amount, a seventh value obtained by adding the first general acquisition profit amount to the second public offering price per second account is the maturity repurchase amount per second account. Set the maturity repurchase period 3 (B3) to be,

    When the cumulative profit total amount is equal to or greater than the final target revenue amount, the maturity repurchase 4 such that an eighth value obtained by adding the target unit price amount per second account to the second unit account's target unit price amount becomes the maturity repurchase amount per second account. Investment platform device, characterized in that for setting the section (B4).
16. The method of claim 5,

    The competition design management unit,

    When the final target profit amount is achieved in the early achievement period before reaching the investment period, characterized in that it comprises an early repurchase design unit for calculating the early repurchase discount amount per account based on the early achievement period and the early achievement discount rate Investment platform device.
17. The method of claim 1,

    A guarantee investment management unit that manages first investor offering information related to the first investor who invests the total guarantee fund amount according to the offer condition;

    A general investment management unit that manages second investor collaborative information related to the second investor who invests the general funds in accordance with the collusion conditions; And

    The investment platform device further comprises a settlement management unit for providing the at least one of the first investor and the second investor to set the cost in accordance with the collusion conditions.

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