WO2022197054A1 - System and method for investing in new and renewable energy and public housing development projects using points - Google Patents

System and method for investing in new and renewable energy and public housing development projects using points Download PDF

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Publication number
WO2022197054A1
WO2022197054A1 PCT/KR2022/003561 KR2022003561W WO2022197054A1 WO 2022197054 A1 WO2022197054 A1 WO 2022197054A1 KR 2022003561 W KR2022003561 W KR 2022003561W WO 2022197054 A1 WO2022197054 A1 WO 2022197054A1
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investment
points
business
point
direct
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PCT/KR2022/003561
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French (fr)
Korean (ko)
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이정훈
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이정훈
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G06Q40/123—Tax preparation or submission
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/06—Electricity, gas or water supply
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate

Definitions

  • the present invention relates to an investment system and method using points, and more particularly, to a public housing development project or a new renewable energy generation project using points. It relates to investment systems and methods.
  • the system that utilizes these points for investment is also provided in the form of receiving dividends by investing points in investment products determined by the securities company through the securities company, so the needs of the point holders are not properly reflected.
  • the failure of the business has a profound effect on the lives of the people as well as the company, and thus has a very large ripple effect on social and economic conditions.
  • a system and method capable of promoting capital participation in housing development projects are required.
  • Patent Document 1 Republic of Korea Patent Publication No. 10-2001-0032537 (June 11, 2001)
  • Patent Document 2 Republic of Korea Patent Publication No. 10-2007-0141877 (2007.12.31)
  • an object of the present invention is to utilize points according to the use of payment and payment methods to generate new and renewable energy power plants (solar power, hydrogen fuel cells, etc.) ) and public housing development projects, public housing development projects using points, or new and renewable energy generation projects To provide investment systems and methods.
  • new and renewable energy power plants solar power, hydrogen fuel cells, etc.
  • the investment system includes a database stored with various information that investment products may need to directly make an investment decision; Investment product presentation unit that selectively presents public housing development projects or new and renewable energy generation projects in the database as direct investment products; a direct investment decision unit for directly receiving investment information including an investment product, an investment amount, an investment period, and an investment agency that one wants to invest among the investment products presented by the point holder and storing the investment information in a database; an indirect investment agency that transmits investment information directly from the point investor to a designated investment agency and transfers the investment amount so that the investment agency indirectly acts as an investment agent for investment products; and receiving from the investment agency the business progress of the investment product, the investment business agency status and the dividend status, and display at least one of these status information to the point investor, and display the profit dividend result to the point investor after the investment period expires, , including a direct and indirect investment management unit that receives the instruction of the point investor and transfers the profit
  • a public housing development project or a new renewable energy generation project using points selects, by the investment product presentation unit, public housing development projects or new and renewable energy power generation projects in a database stored together with various information necessary for investment products to directly decide investment as direct investment products to the point holder presenting as; Directly by the direct investment decision unit, the point holder directly receives investment information including the investment product, investment amount, investment period, and investment agency in which he/she wants to invest among the presented investment products, and stores the investment information in the database to do; sending, by an indirect investment agency, the investment information to the investment agency designated directly from the point investor, and transferring the investment amount so that the investment agency indirectly acts as an investment agent for the investment product; receiving the business progress status of the investment product, the investment business agency status, and the dividend status from the investment agency and displaying at least one of these status information to the point investor; and displaying a profit dividend result to the point investor after the investment period has expired, and receiving an instruction from the point investor
  • the investment system and method involves presenting investment products such as renewable energy power plants (solar power, hydrogen fuel cells, etc.) and public housing development projects to the point holders, and then selecting the investment products in which the point holders themselves will invest their points.
  • investment products such as renewable energy power plants (solar power, hydrogen fuel cells, etc.) and public housing development projects to the point holders, and then selecting the investment products in which the point holders themselves will invest their points.
  • point holders can obtain detailed information of the investment site and power plant through the web page or application before investing, , you can check the profits of the business site in real time through direct investment.
  • a public housing development project or a new renewable energy generation project using the points according to the present invention can ensure the stability of the business to be invested in by verifying the possible business through a financial company, a securities company, and a trust company with the equity (equity capital ratio) invested in advance.
  • a public housing development project or a new renewable energy generation project using points secures the stability of the business in which the point holder will invest the points, and at the same time, however, when a certain amount or more has been accumulated for business efficiency, an investment agency designated by the point holder (such as a securities company, a financial company, etc.) ), the efficiency of investment work can also be increased by acting on behalf of the investment work.
  • the proxy for investment may be limited to handling only simple tasks that are provided by paying a certain fee to securities companies and financial companies.
  • a public housing development project or a new renewable energy generation project using points can contribute to the expansion of the supply of public rental housing and the expansion of the supply of new and renewable energy by allowing the card points, which are likely to disappear every year, to flow into the public housing development project or new and renewable energy generation project with economical and public interest.
  • 1 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a diagram schematically illustrating the concept of an investment system.
  • FIG. 2 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a functional block diagram schematically showing the overall configuration of the investment system.
  • FIG. 3 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a flowchart schematically showing the overall flow of the investment method.
  • one or more external user terminals equipped with a web browser that supports editing and display of web documents are connected to a wired or wireless communication network, and a public housing development project or a new renewable energy generation project using the point of the present invention
  • a server equipped with a computer program related to an investment method is based on a computer network system in a state in which the communication network and the relay server are connected is proposed as a preferred embodiment.
  • the investment system is a public housing development project or renewable energy generation project using points installed and executed as one or more downloaded files, such as an executable package installation file downloaded from a suitable application through a communication network.
  • Public housing development project or new and renewable energy power generation project using points equipped with a program on investment method A case in which the investment system server is based on a network system in a state in which it is connected to the communication network and the relay server is proposed as a preferred embodiment.
  • 1 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a diagram schematically illustrating the concept of an investment system.
  • the investment system allows point holders according to payment and payment methods to directly invest in new and renewable energy power plants (solar power, hydrogen fuel cells, etc.) is the system
  • point provider refers to a system (such as credit card, debit card, and recently (including electronic payment systems that enable quick and easy payment in online and offline commerce) using credit card information or biometric information stored in mobile devices) It means a service provider that acquires a fee and pays a certain percentage of reserve in the form of points to members in return for using such a system, and includes card companies, financial institutions, simple payment providers, etc., but the present invention is not limited thereto .
  • point holder or “investor” refers to a system that performs payments and payments in lieu of a cashless function (such as credit cards, debit cards, and, more recently, credit cards stored in mobile devices). While purchasing and consuming goods or services (including electronic payment systems that enable quick and easy payment from online and offline commerce using information or biometric information), a certain percentage of reserve funds from service providers in return for using these systems is paid in the form of points and refers to a service user.
  • a cashless function such as credit cards, debit cards, and, more recently, credit cards stored in mobile devices.
  • FIG. 2 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention; It is a functional block diagram schematically showing the overall configuration of the investment system 100 .
  • the investment system 100 generally includes an investment product presentation unit 110 , a direct investment decision unit 120 , an indirect investment agency 130 , a direct and indirect investment management unit 140 , and a database (not shown).
  • the investment product presentation unit 110 through a web browser or application from the database, as products of a direct investment method, various information necessary to directly determine an investment (for example, business location, total business funds, business resources, It is selectively presented to point holders along with the project period, business rate of return, development favorable conditions, investment points of participating companies, etc., return on investment, expected return relative to investment amount, etc.).
  • the investment product presentation unit 110 may be preferably configured to allow the point holder to designate a search condition and an investment product presentation order according to his/her investment preference among various pieces of information that may be necessary to directly determine an investment.
  • a product of a direct investment method a product of a direct investment method accompanying public interest, such as a public housing development project or a renewable energy generation project such as solar power or hydrogen fuel cell, can be presented.
  • the investment product presentation unit 110 may provide information necessary for directly determining investment in rental apartment sites, such as business location, total business funds, business resources, business period, target business rate of return. , collateral appraised value, loan amount to appraised value ratio, development favorable, participating companies, investment points such as purchase-type lease subject to taxation or construction-type lease not subject to taxation, investment target amount, investment rate of return, investment return dividend It is presented to the point holder through a web browser or application, along with the timing and expected return relative to the investment amount.
  • the proposed rental apartment sites may be subject to the online evaluation of multilateral participation by making the evaluation criteria of trust companies and securities firms online for the deliberation of business orders for them.
  • project financing P.F.: Project Financing) Loan investment deliberation follows the standards of each bank and securities company, and the subject of investment decision is the point investor.
  • the investment product presentation unit 110 may provide information necessary for directly determining investment in power generation sites, such as the location of the business site, total business funds, business resources, business period, target business rate of return , the participation of public corporations (currently Korea Midland Power), etc., investment points such as individual comprehensive carbon tax benefits to be implemented from 2023, investment target amount, return on investment, time of dividend dividend, etc., with a web browser Or present it to the point holder through the application.
  • the proposed power generation project sites may be subject to the case where the investment deliberation of the business site is an online evaluation of multilateral participation by making the evaluation criteria of the professional accounting firm of the power generation project online.
  • investment deliberation such as project financing (P.F.) of the business site, follows the standards of each bank and securities company, and the subject of investment decisions is the point investor.
  • the direct investment decision unit 120 receives investment information including an investment product, an investment amount, an investment period, an investment agency, etc. that the point holder wants to invest in among the investment products presented by the investment product presentation unit 110 . Directly designated and storing such investment information in a database (not shown), as such, the point holder uses the points of the present invention to develop public housing development projects or new and renewable energy generation projects.
  • the points of the point holder that is, the point investor, are converted into cash through connection with an external system such as a bank and entrusted to a designated financial company.
  • the point investor joins as a member of the cooperative when the direct investment is decided, and the progress of the business can be viewed in the public housing development project or new and renewable energy generation project using the points of the present invention. You can check it in real time through the investment system.
  • the investment system 100 displays the investment reserve status until a predetermined target investment reserve collection is achieved in a designated financial company, and adopts an investment solicitation method called a reserve-type temporary investment, which is invested when more than a predetermined target investment reserve is accumulated. If the target investment reserve is not collected for a certain period of time, the cashed points can be returned to the designated financial company as a personal account.
  • the indirect investment agency 130 is an investment product directly determined by the point investor when more than a predetermined target investment reserve is accumulated for the smooth processing of the investment business, instead of the point investor directly determining the investment through the direct investment decision unit 120 .
  • the investment information is transmitted to a designated investment agency (eg, a securities company, a financial company, etc.) through the direct investment decision unit 120 and the investment amount is transferred so that the investment agency indirectly acts as an investment agent for the investment product.
  • the proxy for investment may be limited to handling only simple tasks such as paying a certain fee to a securities company or a financial company. And at this time, it allows point investors to directly check the dividend and progress in real time.
  • the direct and indirect investment management unit 140 generally controls and manages the operations and information performed by the investment product presentation unit 110 , the direct investment decision unit 120 , and the indirect investment agency unit 130 .
  • the direct and indirect investment management unit 140 receives the point investment product, investment amount, investment period, investment agency, and investor information (eg, name, contact information, account number) received from the point investor or point provider in the direct investment decision unit 120 . ), etc. are stored and modified in a database (not shown), and the business progress status, investment reserve collection status, etc. are displayed to point investors.
  • investor information eg, name, contact information, account number
  • the direct and indirect investment management unit 140 receives the investment business agency, dividend and progress status of the indirect investment agency 130 through the investment agency from the investment agency and displays it to the point investor, and the direct investment decision unit 120 ), after the specified investment period expires, the result of the dividend is displayed to the point investor.
  • the point investor will invest and manage the points to be provided for 3 years, and the dividend will be paid in installments after 3 years.
  • point accumulation rate 180,000 won.
  • Points are calculated as one period of the amount used for one year, and if a lot of points are accumulated during that time (for several years), the amount is added up and calculated as point investment.
  • the database (not shown) is used for directly determining investment in investment products, particularly, in the present invention, investment products accompanying public interest, such as public housing development projects or renewable energy generation projects such as solar and hydrogen fuel cells. It is stored together with various necessary information (such as location of the business site, total business funds, business resources, business period, business rate of return, development favorable conditions, investment points of participating companies, etc., return on investment, expected return on investment, etc.).
  • FIG. 3 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a flowchart schematically showing the overall flow of the investment method.
  • step S310 the investment product presentation unit 110 through a web browser or application from the database, a variety of information necessary to directly determine investment in investment products as direct investment products (for example, Location of the business site, total business funds, business resources, business period, business rate of return, development favorable conditions, investment points of participating companies, return on investment, expected return relative to investment amount, etc.)
  • direct investment products for example, Location of the business site, total business funds, business resources, business period, business rate of return, development favorable conditions, investment points of participating companies, return on investment, expected return relative to investment amount, etc.
  • the search condition and the order of presentation of the investment products may be designated from the point holder according to his/her investment preference among various pieces of information necessary to directly determine the investment.
  • a product of a direct investment method a product of a direct investment method accompanying public interest, such as a public housing development project or a renewable energy generation project such as solar power or hydrogen fuel cell, may be presented.
  • public interest such as a public housing development project or a renewable energy generation project such as solar power or hydrogen fuel cell
  • step S320 the direct investment decision unit 120 directly designates investment information including the investment product, investment amount, investment period, and investment agency that the point holder wants to invest among the investment products presented in step S310. Receive and store these investment information in a database.
  • the point holder that is, the point investor, converts the points into cash through connection with an external system such as a bank and entrusts them to a designated financial company.
  • the point investor joins as a member of the cooperative when the direct investment is decided, and the progress of the business can be viewed in the public housing development project or new and renewable energy generation project using the points of the present invention. You can check it in real time through the investment system.
  • the direct and indirect investment management unit 140 displays the investment reserve recruitment status until the designated financial company achieves the predetermined target investment reserve collection, and in step S330, the direct investment decision unit 120 determines whether the predetermined target investment reserve collection has been achieved. decide When more than the predetermined target investment reserve is accumulated in step S330 (“Yes” in S330), the process proceeds to step S340, and when the target investment reserve is not collected for a certain period (“No” in S330), the direct investment decision unit step S320 Enables points that have been cashed out in the company to be returned to a personal account through a designated financial institution.
  • the investment agency designated in step S320 so that the indirect investment agency 130 is invested in the investment product directly determined by the point investor for smooth processing of the investment business (for example, It transmits investment information to a securities company, a financial company, etc.) and transfers the investment amount so that the investment agency acts on behalf of the investment in investment products.
  • the proxy for investment may be limited to handling only simple tasks such as paying a certain fee to a securities company or a financial company.
  • the direct and indirect investment management unit 140 receives the investment business agency, dividend, and progress made through the investment agency in the indirect investment agency 130 from the investment agency and displays it to the point investor.
  • step S340 the direct and indirect investment management unit 140 displays the profit dividend result to the point investor after the investment period specified in step S320 expires, and after determining the investment return, receives the instruction of the point investor and receives the dividends The points are transferred to the investor's account.

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Abstract

The present invention relates to a system and method for investing in new and renewable energy and public housing development projects using points, wherein points holders themselves directly decide which investment products to invest their points in, thereby guaranteeing points holders the right to decide on investments, while at the same time being capable of increasing the efficiency of investment work by indirectly performing investment work on behalf of the points holder through an investment agency designated by the points holder.

Description

포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법Investment system and method for public housing development project or new and renewable energy power generation project using points
본 발명은 포인트를 이용한 투자 시스템 및 방법에 관한 것으로, 더욱 상세하게는 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법에 관한 것이다.The present invention relates to an investment system and method using points, and more particularly, to a public housing development project or a new renewable energy generation project using points. It relates to investment systems and methods.
현재 카드사, 금융기관, 간편 결제 사업자 등 결제 및 지불을 대행하는 시스템을 제공하는 서비스 제공자들은 약간의 차이는 있지만 개략적으로 이용 금액의 1.5% 정도를 이용자들에게 포인트로 적립하여 주고 있으며, 이러한 포인트는 현금과 1:1 비율의 가치를 가진다.Currently, service providers that provide payment and payment systems, such as card companies, financial institutions, and simple payment operators, are accumulating about 1.5% of the amount used as points to users, although there are some differences. It has a value of 1:1 ratio with cash.
그리고, 이러한 카드사의 포인트 활용 형태는 국세청의 국세 납부, 금의 매입, 현금 활용 등 다양한 형태로 진화하고 있다. 2019년 10월 카드 포인트 표준 약관 개정 전에는 일부 카드사의 포인트 현금화가 불가능하고 일정 포인트 이상이 되어야 현금화가 가능하기도 하였으나, 개정 후에는 모든 카드사의 포인트를 현금화하고 또한 모든 포인트를 현금화하는 것이 가능해졌다. 또한, 이러한 카드사의 포인트를 재산을 증식하는 등 투자에 활용하는 시스템도 구축되고 있는 상황이다.In addition, the form of using the points of these card companies is evolving into various forms such as the National Tax Service's national tax payment, the purchase of gold, and the use of cash. Before the revision of the card point standard terms and conditions in October 2019, it was impossible for some card companies to convert points into cash, and it was possible to convert them into cash only after a certain number of points. In addition, a system is being built that utilizes the points of these card companies for investment, such as increasing wealth.
그러나, 여전히 포인트의 금액이 작다거나, 환급 금액이 그다지 크지 않다거나, 또는 투자처를 선택하기 어렵다는 이유 등으로 많은 포인트가 적절하게 활용되지 못한 채 사장되는 경우들이 많이 있다. 금융 감독원에 따르면, 2018년 카드 승인액은 632조 원 그리고 2019년 카드 승인액은 690조 원에 이르러 2019년 카드 포인트 금액이 약 10조 원 규모에 육박했으나, 2018년 1,024억 원의 카드 포인트가 소멸된 것으로 알려졌다.However, there are still many cases where a large number of points are not used properly due to the reason that the amount of points is small, the refund amount is not so large, or it is difficult to select an investment destination. According to the Financial Supervisory Service, the amount of card approvals in 2018 reached 632 trillion won and the amount of card approvals in 2019 reached 690 trillion won. is known to have disappeared.
또한, 이러한 포인트를 투자에 활용하는 시스템 또한 증권사를 통해 증권사가 결정한 투자 상품에 포인트를 투자하여 배당을 받게 하는 형태로 제공되고 있을 뿐이어서, 포인트 소지자의 니즈를 제대로 반영하지 못하는 실정에 있다.In addition, the system that utilizes these points for investment is also provided in the form of receiving dividends by investing points in investment products determined by the securities company through the securities company, so the needs of the point holders are not properly reflected.
이에, 포인트를 효율적으로 수익 자본으로 연결시킴으로써 카드 사용의 증가로 투명한 조세 원칙에 부합하고 자칫 버려질 수 있는 본인의 포인트가 재산 증식의 방법으로 이어지며 내수 시장의 경제를 활성화를 도모할 수 있는 시스템 및 방법이 요구된다.Therefore, by efficiently linking points to profit capital, it is a system that meets the transparent tax principle due to the increase in card use and that your points, which could be thrown away, lead to a method of property growth and revitalize the economy of the domestic market and methods are required.
특히, 더욱 상세하게는, 사업의 실패가 해당 기업뿐 아니라 국민 생활에 지대한 영향을 미쳐 사회·경제적 여건에 대한 파급 효과가 매우 큰 신재생 에너지(이를테면, 태양광, 수소 연료 전지 등) 발전소 및 공동주택 개발 사업에의 자본 참여 등을 도모할 수 있는 시스템 및 방법이 요구된다.In particular, in more detail, the failure of the business has a profound effect on the lives of the people as well as the company, and thus has a very large ripple effect on social and economic conditions. A system and method capable of promoting capital participation in housing development projects are required.
[특허문헌][Patent Literature]
(특허문헌 1) 대한민국 공개특허공보 제10-2001-0032537호(2001.06.11)(Patent Document 1) Republic of Korea Patent Publication No. 10-2001-0032537 (June 11, 2001)
(특허문헌 2) 대한민국 공개특허공보 제10-2007-0141877호(2007.12.31)(Patent Document 2) Republic of Korea Patent Publication No. 10-2007-0141877 (2007.12.31)
따라서, 본 발명은 상기한 종래 기술의 문제점을 해결하기 위해 이루어진 것으로서, 본 발명의 목적은 결제 및 지불 수단 사용에 따른 포인트를 활용하여 공익성을 수반하는 신재생 에너지 발전소(태양광, 수소 연료 전지 등) 및 공공주택 개발사업 등에 투자하는, 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법을 제공하는 데 있다.Therefore, the present invention has been made to solve the problems of the prior art, and an object of the present invention is to utilize points according to the use of payment and payment methods to generate new and renewable energy power plants (solar power, hydrogen fuel cells, etc.) ) and public housing development projects, public housing development projects using points, or new and renewable energy generation projects To provide investment systems and methods.
본 발명에서 이루고자 하는 기술적 과제들은 이상에서 언급한 기술적 과제들로 제한되지 않으며, 언급하지 않은 또 다른 기술적 과제들은 아래의 기재로부터 본 발명이 속하는 기술분야에서 통상의 지식을 가진 자에게 명확하게 이해될 수 있을 것이다.The technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the description below. will be able
상기와 같은 목적을 달성하기 위한 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템은, 투자 상품들이 투자를 직접 결정하는 데 필요할 만한 여러 정보와 함께 저장된 데이터베이스; 직접 투자 방식의 상품들로서 데이터베이스의 공공주택 개발사업들 또는 신재생 에너지 발전사업들을 포인트 소지자에게 선택적으로 제시하는 투자 상품 제시부; 포인트 소지자로부터 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사를 포함하는 투자 정보를 직접 지정받고 투자 정보를 데이터베이스에 저장하는 직접 투자 결정부; 포인트 투자자로부터 직접 지정된 투자 대행사에게 투자 정보를 전송하고 투자 금액을 이체하여 투자 대행사가 투자 상품에의 투자 업무를 간접 대행하게 하는 간접 투자 대행부; 및 투자 대행사로부터 투자 상품의 사업 진행 상황, 투자 업무 대행 상황 및 배당 상황을 전송받아 이러한 상황 정보들 중 적어도 하나를 포인트 투자자에게 디스플레이하고, 투자 기간이 만료된 후 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 포인트 투자자의 지시를 입력받아 이익금을 포인트 투자자의 계좌로 이체하는 직간접 투자 운용부를 포함한다.A public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention for achieving the above object The investment system includes a database stored with various information that investment products may need to directly make an investment decision; Investment product presentation unit that selectively presents public housing development projects or new and renewable energy generation projects in the database as direct investment products; a direct investment decision unit for directly receiving investment information including an investment product, an investment amount, an investment period, and an investment agency that one wants to invest among the investment products presented by the point holder and storing the investment information in a database; an indirect investment agency that transmits investment information directly from the point investor to a designated investment agency and transfers the investment amount so that the investment agency indirectly acts as an investment agent for investment products; and receiving from the investment agency the business progress of the investment product, the investment business agency status and the dividend status, and display at least one of these status information to the point investor, and display the profit dividend result to the point investor after the investment period expires, , including a direct and indirect investment management unit that receives the instruction of the point investor and transfers the profit to the account of the point investor.
한편, 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법은, 투자 상품 제시부에 의해, 직접 투자 방식의 상품들로서 투자 상품들이 투자를 직접 결정하는 데 필요할 만한 여러 정보와 함께 저장된 데이터베이스의 공공주택 개발사업들 또는 신재생 에너지 발전사업들을 포인트 소지자에게 선택적으로 제시하는 단계; 직접 투자 결정부에 의해, 상기 포인트 소지자로부터 상기 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사를 포함하는 투자 정보를 직접 지정받고 상기 투자 정보를 상기 데이터베이스에 저장하는 단계; 간접 투자 대행부에 의해, 상기 포인트 투자자로부터 직접 지정된 상기 투자 대행사에게 상기 투자 정보를 전송하고 상기 투자 금액을 이체하여 상기 투자 대행사가 상기 투자 상품에의 투자 업무를 간접 대행하게 하는 단계; 상기 투자 대행사로부터 상기 투자 상품의 사업 진행 상황, 투자 업무 대행 상황 및 배당 상황을 전송받아 이러한 상황 정보들 중 적어도 하나를 상기 포인트 투자자에게 디스플레이하는 단계; 및 상기 투자 기간이 만료된 후 상기 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 상기 포인트 투자자의 지시를 입력받아 이익금을 상기 포인트 투자자의 계좌로 이체하는 단계를 포함한다.On the other hand, a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention The investment method selects, by the investment product presentation unit, public housing development projects or new and renewable energy power generation projects in a database stored together with various information necessary for investment products to directly decide investment as direct investment products to the point holder presenting as; Directly by the direct investment decision unit, the point holder directly receives investment information including the investment product, investment amount, investment period, and investment agency in which he/she wants to invest among the presented investment products, and stores the investment information in the database to do; sending, by an indirect investment agency, the investment information to the investment agency designated directly from the point investor, and transferring the investment amount so that the investment agency indirectly acts as an investment agent for the investment product; receiving the business progress status of the investment product, the investment business agency status, and the dividend status from the investment agency and displaying at least one of these status information to the point investor; and displaying a profit dividend result to the point investor after the investment period has expired, and receiving an instruction from the point investor and transferring the profit to the point investor's account.
상술한 바와 같이, 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법은 다음과 같은 효과를 제공한다.As described above, a public housing development project or a new renewable energy generation project using points according to the present invention The investment system and method provides the following effects.
1. 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법은 포인트 소지자에게 신재생 에너지 발전소(태양광, 수소 연료 전지 등) 및 공공주택 개발사업 등의 투자 상품을 제시한 후 포인트 소지자 본인이 자신의 포인트를 투자할 투자 상품을 직접 선정하여 투자할 수 있게 하고, 이에 따른 진행 사항 및 배당을 직접 웹 페이지 또는 애플리케이션을 통해 확인할 수 있게 한 것으로서, 포인트 소지자는 투자 전에 웹 페이지 또는 애플리케이션을 통해 투자 대상지 및 발전소의 정보를 상세하게 취득할 수 있고, 직접 투자 방식으로 사업장의 이익 등을 실시간으로 확인할 수 있다. 이때, 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법은 사전에 투자되는 에쿼티(자기자본 비율)로 가능한 사업을 금융사, 증권사, 신탁사를 통해 검증하기에 투자할 사업의 안정성을 확보할 수 있다.1. Public housing development project or new and renewable energy generation project using points according to the present invention The investment system and method involves presenting investment products such as renewable energy power plants (solar power, hydrogen fuel cells, etc.) and public housing development projects to the point holders, and then selecting the investment products in which the point holders themselves will invest their points. As it is made possible to make an investment and to check the progress and dividend directly through a web page or application, point holders can obtain detailed information of the investment site and power plant through the web page or application before investing, , you can check the profits of the business site in real time through direct investment. At this time, a public housing development project or a new renewable energy generation project using the points according to the present invention The investment system and method can ensure the stability of the business to be invested in by verifying the possible business through a financial company, a securities company, and a trust company with the equity (equity capital ratio) invested in advance.
2. 또한, 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법은 상기한 바와 같이 포인트 소지자가 포인트를 투자할 사업의 안정성을 확보함과 동시에, 다만 업무의 효율을 위하여 일정 금액 이상이 적립되었을 시 포인트 소지자가 지정한 투자 대행사(이를테면 증권사, 금융사 등)를 통해 투자 업무를 대행함으로써 투자 업무의 효율성 또한 높일 수 있다. 이때, 투자의 대행은 증권사 및 금융사에 일정의 수수료를 주고 용역하는 단순 업무만을 취급하는 것으로 제한할 수 있다.2. In addition, a public housing development project or a new renewable energy generation project using points according to the present invention As described above, the investment system and method secures the stability of the business in which the point holder will invest the points, and at the same time, however, when a certain amount or more has been accumulated for business efficiency, an investment agency designated by the point holder (such as a securities company, a financial company, etc.) ), the efficiency of investment work can also be increased by acting on behalf of the investment work. In this case, the proxy for investment may be limited to handling only simple tasks that are provided by paying a certain fee to securities companies and financial companies.
3. 이에 따라, 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법은 매년 소멸되기 쉬운 카드 포인트를 경제성 및 공익성 있는 공공주택 개발사업 또는 신재생 에너지 발전사업으로 유입할 수 있음으로써, 공공임대주택의 보급 확대 및 신재생 에너지 보급 확대에 기여할 수 있다.3. Accordingly, a public housing development project or a new renewable energy generation project using points according to the present invention The investment system and method can contribute to the expansion of the supply of public rental housing and the expansion of the supply of new and renewable energy by allowing the card points, which are likely to disappear every year, to flow into the public housing development project or new and renewable energy generation project with economical and public interest.
도 1은 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템의 개념을 개략적으로 도시한 도해이다.1 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention; It is a diagram schematically illustrating the concept of an investment system.
도 2는 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템의 전체 구성을 개략적으로 도시한 기능 블록도이다.2 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention; It is a functional block diagram schematically showing the overall configuration of the investment system.
도 3은 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법의 전체 흐름을 개략적으로 도시한 흐름도이다.3 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a flowchart schematically showing the overall flow of the investment method.
본 발명의 이점 및 특징, 그리고 그것들을 달성하는 방법은 첨부되는 도면과 함께 상세하게 후술되어 있는 실시 예들을 참조하면 명확해질 것이다. 그러나 본 발명은 이하에서 개시되는 실시 예들에 한정되는 것이 아니라 서로 다른 다양한 형태로 구현될 수 있으며, 단지 실시 예들은 본 발명의 개시가 완전하도록 하고, 본 발명이 속하는 기술분야에서 통상의 지식을 가진 자에게 발명의 범주를 완전하게 알려주기 위해 제공되는 것이며, 본 발명은 청구항의 범주에 의해 정의될 뿐이다. 명세서 전체에 걸쳐 동일 참조 부호는 동일 구성요소를 지칭한다.Advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the embodiments allow the disclosure of the present invention to be complete, and those of ordinary skill in the art to which the present invention pertains. It is provided to fully inform the person of the scope of the invention, and the present invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.
이하에서 제시된 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템은, 웹 문서의 편집 및 디스플레이를 지원하는 웹 브라우저를 탑재한 하나 이상의 외부 사용자 단말기가 유선 또는 무선 통신 네트워크에 연결되고, 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법에 관한 컴퓨터 프로그램을 탑재한 서버가 상기 통신 네트워크 및 중계 서버에 연결된 상태에서의 컴퓨터 네트워크 시스템을 바탕으로 하는 경우를 바람직한 실시 예로서 제안한다.Public housing development project or new renewable energy generation project using points according to the present invention presented below In the investment system, one or more external user terminals equipped with a web browser that supports editing and display of web documents are connected to a wired or wireless communication network, and a public housing development project or a new renewable energy generation project using the point of the present invention As a preferred embodiment, a case in which a server equipped with a computer program related to an investment method is based on a computer network system in a state in which the communication network and the relay server are connected is proposed as a preferred embodiment.
또한, 이하에서 제시된 본 발명에 의한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템은 통신 네트워크를 통해 적합한 애플리케이션으로부터 다운로드되는 실행 가능한 패키지 설치 파일과 같은 하나 이상의 다운로드된 파일로 설치되어 실행되는 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 애플리케이션을 내장한 사용자 단말이 통신 네트워크를 통해 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 서버에 연결되고, 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법에 관한 프로그램을 탑재한 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 서버가 상기 통신 네트워크 및 중계 서버에 연결된 상태에서의 네트워크 시스템을 바탕으로 하는 경우를 바람직한 실시 예로서 제안한다.In addition, a public housing development project or a new renewable energy generation project using points according to the present invention presented below The investment system is a public housing development project or renewable energy generation project using points installed and executed as one or more downloaded files, such as an executable package installation file downloaded from a suitable application through a communication network. A public housing development project or new and renewable energy generation project using points through a communication network with a user terminal with a built-in investment application It is connected to the investment system server, and a public housing development project or a new renewable energy generation project using the points of the present invention Public housing development project or new and renewable energy power generation project using points equipped with a program on investment method A case in which the investment system server is based on a network system in a state in which it is connected to the communication network and the relay server is proposed as a preferred embodiment.
이하 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템에 대하여 첨부된 도면을 참조하여 상세히 설명하기로 한다.Hereinafter, a public housing development project or a new renewable energy generation project using the points of the present invention The investment system will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템의 개념을 개략적으로 도시한 도해이다.1 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention; It is a diagram schematically illustrating the concept of an investment system.
도 1에 도시된 바와 같이, 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템은 결제 및 지불 수단 사용에 따른 포인트 소지자가 이러한 포인트를 활용하여 공익성을 수반하며 수익성이 높은 신재생 에너지 발전소(태양광, 수소 연료 전지 등) 및 공공주택 개발사업 등에 직접 투자할 수 있게 하는 시스템이다.1, a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention The investment system allows point holders according to payment and payment methods to directly invest in new and renewable energy power plants (solar power, hydrogen fuel cells, etc.) is the system
본 명세서에서 사용될 때, "포인트 제공자"라는 용어는 현금 없이 현금의 기능을 대신하여 모든 상품이나 서비스를 구입 및 소비할 수 있도록 결제 및 지불을 대행하는 시스템(이를테면, 신용카드, 체크카드, 그리고 최근에는 모바일 기기에 저장된 신용카드 정보나 생체 정보 등을 이용하여 온·오프라인 상거래에서 빠르고 간편하게 결제할 수 있는 전자 결제 시스템까지를 포함함)을 제공한 뒤, 이러한 시스템을 이용하는 대가로 가맹점으로부터 일정 비율의 수수료를 취득하고, 또한 이러한 시스템을 이용하는 대가로 회원에게 일정 비율의 적립금을 포인트 형태로 지급하는 서비스 제공자를 의미하며, 카드사, 금융기관, 간편 결제 사업자 등을 포함하지만 본 발명은 이에 제한되지는 않는다.As used herein, the term "point provider" refers to a system (such as credit card, debit card, and recently (including electronic payment systems that enable quick and easy payment in online and offline commerce) using credit card information or biometric information stored in mobile devices) It means a service provider that acquires a fee and pays a certain percentage of reserve in the form of points to members in return for using such a system, and includes card companies, financial institutions, simple payment providers, etc., but the present invention is not limited thereto .
본 명세서에서 사용될 때, "포인트 소지자" 또는 "투자자"라는 용어는 현금 없이 현금의 기능을 대신하여 결제 및 지불을 대행하는 시스템(이를테면, 신용카드, 체크카드, 그리고 최근에는 모바일 기기에 저장된 신용카드 정보나 생체 정보 등을 이용하여 온·오프라인 상거래에서 빠르고 간편하게 결제할 수 있는 전자 결제 시스템까지를 포함함)을 상품이나 서비스를 구입 및 소비하면서, 이러한 시스템을 이용하는 대가로 서비스 제공자로부터 일정 비율의 적립금을 포인트 형태로 지급받고, 서비스 이용자를 의미한다.As used herein, the term "point holder" or "investor" refers to a system that performs payments and payments in lieu of a cashless function (such as credit cards, debit cards, and, more recently, credit cards stored in mobile devices). While purchasing and consuming goods or services (including electronic payment systems that enable quick and easy payment from online and offline commerce using information or biometric information), a certain percentage of reserve funds from service providers in return for using these systems is paid in the form of points and refers to a service user.
도 2는 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템(100)의 전체 구성을 개략적으로 도시한 기능 블록도이다.2 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention; It is a functional block diagram schematically showing the overall configuration of the investment system 100 .
도 2에 도시된 바와 같이, 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템(100)은 개괄적으로 투자 상품 제시부(110), 직접 투자 결정부(120), 간접 투자 대행부(130), 직간접 투자 운용부(140) 및 데이터베이스(미도시)를 포함하여 이루어진다.As shown in FIG. 2, a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention The investment system 100 generally includes an investment product presentation unit 110 , a direct investment decision unit 120 , an indirect investment agency 130 , a direct and indirect investment management unit 140 , and a database (not shown).
먼저, 투자 상품 제시부(110)는 데이터베이스로부터 웹 브라우저 또는 애플리케이션을 통해, 직접 투자 방식의 상품들로서 투자 상품들을 투자를 직접 결정하는 데 필요할 만한 여러 정보(이를테면, 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 사업 수익률, 개발 호재, 참여 기업 등의 투자 포인트, 투자 수익률, 투자 금액 대비 예상 수익 등)와 함께, 포인트 소지자에게 선택적으로 제시한다. 이때 투자 상품 제시부(110)는 바람직하게는, 투자를 직접 결정하는 데 필요할 만한 여러 정보 중 포인트 소지자가 자신의 투자 선호도에 따라 검색 조건 및 투자 상품 제시 순서를 지정하게 하도록 구성될 수 있다.First, the investment product presentation unit 110 through a web browser or application from the database, as products of a direct investment method, various information necessary to directly determine an investment (for example, business location, total business funds, business resources, It is selectively presented to point holders along with the project period, business rate of return, development favorable conditions, investment points of participating companies, etc., return on investment, expected return relative to investment amount, etc.). At this time, the investment product presentation unit 110 may be preferably configured to allow the point holder to designate a search condition and an investment product presentation order according to his/her investment preference among various pieces of information that may be necessary to directly determine an investment.
특히, 본 발명에서는 직접 투자 방식의 상품으로서 공공주택 개발사업 또는 태양광, 수소 연료 전지 등의 신재생 에너지 발전사업 등 공익성을 수반하는 직접 투자 방식의 상품을 제시할 수 있다In particular, in the present invention, as a product of a direct investment method, a product of a direct investment method accompanying public interest, such as a public housing development project or a renewable energy generation project such as solar power or hydrogen fuel cell, can be presented.
보다 구체적인 일례로서, 공공주택 개발사업에 대해, 투자 상품 제시부(110)는 임대 아파트 대상지들을 투자를 직접 결정하는 데 필요할 만한 정보, 이를테면 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 담보 감정가, 감정가 대비 대출액 비율, 개발 호재, 참여 기업, 종부세의 대상이 되는 매입형 임대인지 또는 종부세의 대상이 되지 않는 건설형 임대인지 등의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점, 투자 금액 대비 예상 수익 등과 함께, 웹 브라우저 또는 애플리케이션을 통해 포인트 소지자에게 제시한다.As a more specific example, for the public housing development project, the investment product presentation unit 110 may provide information necessary for directly determining investment in rental apartment sites, such as business location, total business funds, business resources, business period, target business rate of return. , collateral appraised value, loan amount to appraised value ratio, development favorable, participating companies, investment points such as purchase-type lease subject to taxation or construction-type lease not subject to taxation, investment target amount, investment rate of return, investment return dividend It is presented to the point holder through a web browser or application, along with the timing and expected return relative to the investment amount.
이 경우, 제시되는 임대 아파트 대상지들은 이들에 대한 사업장의 수주 심의가 신탁사 및 증권사 등의 심의 평점 기준을 온라인화하여 다자간 참여의 온라인 평가 심사로 한 것을 그 대상으로 할 수 있다. 그리고 사업장의 프로젝트 파이낸싱P.F.: Project Financing) 대출 투자 심의는 각 은행 및 증권사의 기준에 따르며, 투자 결정의 주체는 포인트 투자자이다.In this case, the proposed rental apartment sites may be subject to the online evaluation of multilateral participation by making the evaluation criteria of trust companies and securities firms online for the deliberation of business orders for them. And, project financing P.F.: Project Financing) Loan investment deliberation follows the standards of each bank and securities company, and the subject of investment decision is the point investor.
또 다른 예로서, 신재생 에너지 발전사업에 대해, 투자 상품 제시부(110)는 발전 사업지들을 투자를 직접 결정하는 데 필요할 만한 정보, 이를테면 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 공기업(현재는 한국 중부 발전)등의 참여 여부, 2023년부터 시행되는 개인 종합 탄소세 혜택 등의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점, 투자 금액 대비 예상 수익 등과 함께, 웹 브라우저 또는 애플리케이션을 통해 포인트 소지자에게 제시한다.As another example, for the new and renewable energy power generation project, the investment product presentation unit 110 may provide information necessary for directly determining investment in power generation sites, such as the location of the business site, total business funds, business resources, business period, target business rate of return , the participation of public corporations (currently Korea Midland Power), etc., investment points such as individual comprehensive carbon tax benefits to be implemented from 2023, investment target amount, return on investment, time of dividend dividend, etc., with a web browser Or present it to the point holder through the application.
이 경우, 제시되는 발전 사업지들은 이들에 대한 사업장의 투자 심의가 발전사업의 전문 회계법인 등의 심의 평점 기준을 온라인화하여 다자간 참여의 온라인 평가 심사로 한 것을 그 대상으로 할 수 있다. 그리고 사업장의 프로젝트 파이낸싱(P.F: Project Financing) 등 투자 심의는 각 은행 및 증권사의 기준에 따르며, 투자 결정의 주체는 포인트 투자자이다.In this case, the proposed power generation project sites may be subject to the case where the investment deliberation of the business site is an online evaluation of multilateral participation by making the evaluation criteria of the professional accounting firm of the power generation project online. In addition, investment deliberation, such as project financing (P.F.) of the business site, follows the standards of each bank and securities company, and the subject of investment decisions is the point investor.
다음으로, 직접 투자 결정부(120)는 포인트 소지자로부터 투자 상품 제시부(110)에 의해 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사 등을 포함하는 투자 정보를 직접 지정받고 이러한 투자 정보를 데이터베이스(미도시)에 저장하며, 이렇듯 포인트 소지자가 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템(100)을 통해 직접 투자 결정시 은행 등 외부 시스템과의 연계를 통해 포인트 소지자 즉, 포인트 투자자의 포인트를 현금화하여 이를 지정된 금융사에 위탁한다. 이때 포인트 투자자는 직접 투자의 결정시 협동조합의 회원으로 가입되며, 사업 진행 상황을 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템을 통해 실시간으로 확인할 수 있다.Next, the direct investment decision unit 120 receives investment information including an investment product, an investment amount, an investment period, an investment agency, etc. that the point holder wants to invest in among the investment products presented by the investment product presentation unit 110 . Directly designated and storing such investment information in a database (not shown), as such, the point holder uses the points of the present invention to develop public housing development projects or new and renewable energy generation projects When a direct investment decision is made through the investment system 100 , the points of the point holder, that is, the point investor, are converted into cash through connection with an external system such as a bank and entrusted to a designated financial company. At this time, the point investor joins as a member of the cooperative when the direct investment is decided, and the progress of the business can be viewed in the public housing development project or new and renewable energy generation project using the points of the present invention. You can check it in real time through the investment system.
또한, 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템(100)은 지정된 금융사에서 소정의 목표 투자 적립금 모집 달성시까지 투자 적립금 모집 상황을 디스플레이하고, 소정의 목표 투자 적립금 이상이 적립되었을 시 투자되는 적립식 일시 투자라는 투자 모집 방식을 채택한다. 일정 기간 동안 목표 투자 적립금이 모집되지 않는 경우 현금화된 포인트는 개인 계좌로 지정된 금융사에서 반환될 수 있게 한다.In addition, a public housing development project or a new renewable energy generation project using the points of the present invention The investment system 100 displays the investment reserve status until a predetermined target investment reserve collection is achieved in a designated financial company, and adopts an investment solicitation method called a reserve-type temporary investment, which is invested when more than a predetermined target investment reserve is accumulated. If the target investment reserve is not collected for a certain period of time, the cashed points can be returned to the designated financial company as a personal account.
간접 투자 대행부(130)는 포인트 투자자가 직접 투자 결정부(120)를 통해 직접 투자를 결정하는 대신, 투자 업무의 원활한 처리를 위해 소정의 목표 투자 적립금 이상이 적립되면 포인트 투자자가 직접 결정한 투자 상품에 투자되도록, 직접 투자 결정부(120)를 통해 지정된 투자 대행사(이를테면 증권사, 금융사 등)에게 투자 정보를 전송하고 투자 금액을 이체하여 투자 대행사가 투자 상품에의 투자 업무를 간접 대행하게 한다. 이때 투자의 대행은 증권사, 금융사 등에 일정의 수수료를 주고 용역하는 단순 업무만을 취급하는 것으로 제한할 수 있다. 그리고 이때 포인트 투자자가 배당 및 진행 상황을 실시간으로 직접 확인할 수 있게 한다.The indirect investment agency 130 is an investment product directly determined by the point investor when more than a predetermined target investment reserve is accumulated for the smooth processing of the investment business, instead of the point investor directly determining the investment through the direct investment decision unit 120 . In order to be invested in , the investment information is transmitted to a designated investment agency (eg, a securities company, a financial company, etc.) through the direct investment decision unit 120 and the investment amount is transferred so that the investment agency indirectly acts as an investment agent for the investment product. In this case, the proxy for investment may be limited to handling only simple tasks such as paying a certain fee to a securities company or a financial company. And at this time, it allows point investors to directly check the dividend and progress in real time.
직간접 투자 운용부(140)는 투자 상품 제시부(110), 직접 투자 결정부(120) 및 간접 투자 대행부(130)에서 행하여지는 동작들 및 정보를 전반적으로 제어 및 관리한다.The direct and indirect investment management unit 140 generally controls and manages the operations and information performed by the investment product presentation unit 110 , the direct investment decision unit 120 , and the indirect investment agency unit 130 .
이에, 직간접 투자 운용부(140)는 직접 투자 결정부(120)에서 포인트 투자자 또는 포인트 제공자로부터 수신되는 포인트 투자 상품, 투자 금액, 투자 기간, 투자 대행사, 투자자 정보(이를테면, 성명, 연락처, 계좌 번호) 등을 데이터베이스(미도시)에 저장 및 수정하고, 사업 진행 상황, 투자 적립금 모집 상황 등을 포인트 투자자에게 디스플레이한다.Accordingly, the direct and indirect investment management unit 140 receives the point investment product, investment amount, investment period, investment agency, and investor information (eg, name, contact information, account number) received from the point investor or point provider in the direct investment decision unit 120 . ), etc. are stored and modified in a database (not shown), and the business progress status, investment reserve collection status, etc. are displayed to point investors.
또한, 직간접 투자 운용부(140)는 간접 투자 대행부(130)에서 투자 대행사를 통해 행하여지는 투자 업무 대행, 배당 및 진행 상황을 투자 대행사로부터 전달받아 포인트 투자자에게 디스플레이하고, 직접 투자 결정부(120)에서 지정된 투자 기간이 만료된 후 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 투자 수익을 결정한 후 포인트 투자자의 지시를 입력받아 배당된 이익금을 포인트 투자자의 계좌로 이체한다.In addition, the direct and indirect investment management unit 140 receives the investment business agency, dividend and progress status of the indirect investment agency 130 through the investment agency from the investment agency and displays it to the point investor, and the direct investment decision unit 120 ), after the specified investment period expires, the result of the dividend is displayed to the point investor.
일례로서, 공공주택 개발사업에 대해, 포인트 투자자의 카드 사용 금액을 월 100만원으로 가정하고 공공주택 공사 기간을 감안하여 3년간 포인트 투자가가 제공 받을 포인트를 투자 운용하며 이의 배당은 3년 후 일시불인 것으로 하여 투자 이익을 환산하면, 포인트 투자 가능 금액은 1,200만원/년 × 1.5%(포인트 적립 비율) = 18만원이고, 이를 3년 후 일시불 배당 시 18만원/년 × 300%(투자 수익률) = 54만원이고, 54만원(3년 만기) + 32만원(잔여 1년 매출 채권 매각 70%) + 27만원(잔여 2년 매출 채권 매각 50%) = 113만원이며, 따라서 연간 1,200만원의 카드를 사용하여 3년간 포인트를 투자할 경우 3년 후 일시불로 113만원을 배당하게 된다.As an example, for the public housing development project, assuming that the card usage amount of the point investor is 1 million won per month, and taking into account the public housing construction period, the points to be provided by the point investor are invested and managed for 3 years, and the dividend is paid in lump sum after 3 years If the investment profit is converted as 10,000 won, 540,000 won (3-year maturity) + 320,000 won (70% of sales receivables sold for one year remaining) + 270,000 won (50% sales receivables sold for two years remaining) = 1.13 million won, so using a card of 12 million won per year If you invest points for 3 years, 1.13 million won will be distributed as a lump sum after 3 years.
또는, 포인트 투자자의 카드 사용 금액을 월 100만원으로 가정하고 공공주택 공사 기간을 감안하여 3년간 포인트 투자가가 제공 받을 포인트를 투자 운용하며 이의 배당은 3년 후 분할 지급인 것으로 하여 투자 이익을 환산하면, 포인트 투자 가능 금액은 1,200만원/년 × 1.5%(포인트 적립 비율) = 18만원이고, 이를 3년 후부터 3회(1년 단위) 배당시 18만원/년 × 300%(투자 수익률) = 54만원, 3년 후 첫 해 54만원, 2회 54만원, 3회 54만원, 따라서 년 1,200만원의 카드를 사용하여 3년간 포인트를 투자할 경우 3년 후 매년 분할 지급 금액으로는 총 162만원을 배당하게 된다.Alternatively, assuming that the card usage amount of the point investor is 1 million won per month, and taking into account the public housing construction period, the point investor will invest and manage the points to be provided for 3 years, and the dividend will be paid in installments after 3 years. , the amount of points that can be invested is 12 million won/year × 1.5% (point accumulation rate) = 180,000 won. After 3 years, if you use a card worth 540,000 won the first year, 540,000 won the second time, 540,000 won the third time, and therefore, if you invest points for 3 years using a card of 12 million won per year, a total of 1.62 million won will be distributed every year after 3 years. do.
이때, 포인트 투자자가 사용하는 카드 금액에 따라 적립되는 포인트가 올라가고 포인트에 따라 전환되는 금액도 올라가기에 카드 사용 금액이 많을수록 3년 후의 배당액은 비율에 따라 올라갈 것이다. 포인트는 1년간의 사용 금액을 1주기로 계산하며, 그 동안(몇 년간)의 포인트가 많이 쌓였을 경우 그 금액을 합산하여 포인트 투자금으로 계산한다.At this time, the points accumulated according to the amount of the card used by the point investor increase and the amount converted according to the points also increases, so the more the card used, the more the dividend amount after 3 years will increase according to the ratio. Points are calculated as one period of the amount used for one year, and if a lot of points are accumulated during that time (for several years), the amount is added up and calculated as point investment.
마지막으로, 데이터베이스(미도시)는 투자 상품들, 특히 본 발명에서는 공공주택 개발사업 또는 태양광, 수소 연료 전지 등의 신재생 에너지 발전사업 등 공익성을 수반하는 투자 상품들을, 투자를 직접 결정하는 데 필요할 만한 여러 정보(이를테면, 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 사업 수익률, 개발 호재, 참여 기업 등의 투자 포인트, 투자 수익률, 투자 금액 대비 예상 수익 등)와 함께 저장한다.Finally, the database (not shown) is used for directly determining investment in investment products, particularly, in the present invention, investment products accompanying public interest, such as public housing development projects or renewable energy generation projects such as solar and hydrogen fuel cells. It is stored together with various necessary information (such as location of the business site, total business funds, business resources, business period, business rate of return, development favorable conditions, investment points of participating companies, etc., return on investment, expected return on investment, etc.).
그러면, 여기서 상기와 같이 구성된 시스템을 이용한 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법에 대해 설명하기로 한다.Then, here, a public housing development project or a new renewable energy generation project using the points of the present invention using the system configured as described above We will explain how to invest.
도 3은 본 발명의 바람직한 실시 예에 따른 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 방법의 전체 흐름을 개략적으로 도시한 흐름도이다.3 is a public housing development project or a new renewable energy generation project using points according to a preferred embodiment of the present invention. It is a flowchart schematically showing the overall flow of the investment method.
도 3에 도시된 바와 같이, 먼저 단계 S310에서 투자 상품 제시부(110)가 데이터베이스로부터 웹 브라우저 또는 애플리케이션을 통해, 직접 투자 방식의 상품들로서 투자 상품들을 투자를 직접 결정하는 데 필요할 만한 여러 정보(이를테면, 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 사업 수익률, 개발 호재, 참여 기업 등의 투자 포인트, 투자 수익률, 투자 금액 대비 예상 수익 등)와 함께, 포인트 소지자에게 선택적으로 제시한다.As shown in FIG. 3, first, in step S310, the investment product presentation unit 110 through a web browser or application from the database, a variety of information necessary to directly determine investment in investment products as direct investment products (for example, Location of the business site, total business funds, business resources, business period, business rate of return, development favorable conditions, investment points of participating companies, return on investment, expected return relative to investment amount, etc.)
이때 바람직하게는, 투자 상품들을 제시하기 전에, 포인트 소지자로부터 투자를 직접 결정하는 데 필요할 만한 여러 정보 중 자신의 투자 선호도에 따른 검색 조건 및 투자 상품 제시 순서를 지정받을 수도 있다.In this case, preferably, before presenting the investment products, the search condition and the order of presentation of the investment products may be designated from the point holder according to his/her investment preference among various pieces of information necessary to directly determine the investment.
특히, 본 발명에서는 직접 투자 방식의 상품으로서 공공주택 개발사업 또는 태양광, 수소 연료 전지 등의 신재생 에너지 발전사업 등 공익성을 수반하는 직접 투자 방식의 상품을 제시할 수 있다. 이에 대한 구체적인 예시는 도 2에 대하여 위에서 설명된 바와 같다.In particular, in the present invention, as a product of a direct investment method, a product of a direct investment method accompanying public interest, such as a public housing development project or a renewable energy generation project such as solar power or hydrogen fuel cell, may be presented. A specific example of this is as described above with respect to FIG. 2 .
다음으로, 단계 S320에서 직접 투자 결정부(120)가 포인트 소지자로부터 단계 S310에서 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사 등을 포함하는 투자 정보를 직접 지정받고 이러한 투자 정보를 데이터베이스에 저장한다. 이렇듯 단계 S320에서 포인트 소지자가 직접 투자 결정시 은행 등 외부 시스템과의 연계를 통해 포인트 소지자 즉, 포인트 투자자의 포인트를 현금화하여 이를 지정된 금융사에 위탁한다. 이때 포인트 투자자는 직접 투자의 결정시 협동조합의 회원으로 가입되며, 사업 진행 상황을 본 발명의 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템을 통해 실시간으로 확인할 수 있다.Next, in step S320, the direct investment decision unit 120 directly designates investment information including the investment product, investment amount, investment period, and investment agency that the point holder wants to invest among the investment products presented in step S310. Receive and store these investment information in a database. As such, when the point holder directly decides to invest in step S320, the point holder, that is, the point investor, converts the points into cash through connection with an external system such as a bank and entrusts them to a designated financial company. At this time, the point investor joins as a member of the cooperative when the direct investment is decided, and the progress of the business can be viewed in the public housing development project or new and renewable energy generation project using the points of the present invention. You can check it in real time through the investment system.
이때, 직간접 투자 운용부(140)는 지정된 금융사에서 소정의 목표 투자 적립금 모집 달성시까지 투자 적립금 모집 상황을 디스플레이하고, 단계 S330에서 직접 투자 결정부(120)가 소정의 목표 투자 적립금 모집 달성 여부를 결정한다. 단계 S330에서 소정의 목표 투자 적립금 이상이 적립되었을 시(S330의 "예") 단계 S340으로 진행하고, 일정 기간 동안 목표 투자 적립금이 모집되지 않을 경우(S330의 "아니오") 직접 투자 결정부가 단계 S320에서 현금화된 포인트를 지정된 금융사를 통해 개인 계좌로 반환될 수 있게 한다.At this time, the direct and indirect investment management unit 140 displays the investment reserve recruitment status until the designated financial company achieves the predetermined target investment reserve collection, and in step S330, the direct investment decision unit 120 determines whether the predetermined target investment reserve collection has been achieved. decide When more than the predetermined target investment reserve is accumulated in step S330 (“Yes” in S330), the process proceeds to step S340, and when the target investment reserve is not collected for a certain period (“No” in S330), the direct investment decision unit step S320 Enables points that have been cashed out in the company to be returned to a personal account through a designated financial institution.
그리고, 단계 S330에서 소정의 목표 투자 적립금 이상이 적립된 것으로 결정되면 간접 투자 대행부(130)가 투자 업무의 원활한 처리를 위해 포인트 투자자가 직접 결정한 투자 상품에 투자되도록 단계 S320에서 지정된 투자 대행사(이를테면 증권사, 금융사 등)에게 투자 정보를 전송하고 투자 금액을 이체하여 투자 대행사가 투자 상품에의 투자 업무를 대행하게 한다. 이때 투자의 대행은 증권사, 금융사 등에 일정의 수수료를 주고 용역하는 단순 업무만을 취급하는 것으로 제한할 수 있다. 그리고 이때 직간접 투자 운용부(140)는 간접 투자 대행부(130)에서 투자 대행사를 통해 행하여지는 투자 업무 대행, 배당 및 진행 상황을 투자 대행사로부터 전달받아 포인트 투자자에게 디스플레이한다.And, if it is determined in step S330 that more than a predetermined target investment reserve has been accumulated, the investment agency designated in step S320 so that the indirect investment agency 130 is invested in the investment product directly determined by the point investor for smooth processing of the investment business (for example, It transmits investment information to a securities company, a financial company, etc.) and transfers the investment amount so that the investment agency acts on behalf of the investment in investment products. In this case, the proxy for investment may be limited to handling only simple tasks such as paying a certain fee to a securities company or a financial company. And at this time, the direct and indirect investment management unit 140 receives the investment business agency, dividend, and progress made through the investment agency in the indirect investment agency 130 from the investment agency and displays it to the point investor.
마지막으로, 단계 S340에서 직간접 투자 운용부(140)는 단계 S320에서 지정된 투자 기간이 만료된 후 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 투자 수익을 결정한 후 포인트 투자자의 지시를 입력받아 배당된 이익금을 포인트 투자자의 계좌로 이체한다.Finally, in step S340, the direct and indirect investment management unit 140 displays the profit dividend result to the point investor after the investment period specified in step S320 expires, and after determining the investment return, receives the instruction of the point investor and receives the dividends The points are transferred to the investor's account.
이상에서 구체적인 실시 예를 들어 본 발명을 더욱 상세하게 설명하였으나, 본 발명은 반드시 이러한 실시 예로 국한되는 것은 아니고 본 발명의 기술사상을 벗어나지 않는 범위 내에서 다양하게 변형실시될 수 있다.Although the present invention has been described in more detail with reference to specific examples above, the present invention is not necessarily limited to these examples, and various modifications may be made within the scope without departing from the technical spirit of the present invention.
[부호의 설명][Explanation of code]
100 : 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템100: Public housing development project using points or renewable energy generation project investment system
110 : 투자 상품 제시부110: investment product presentation unit
120 : 직접 투자 결정부120: direct investment decision unit
130 : 간접 투자 대행부130: indirect investment agency
140 : 직간접 투자 운용부140: Direct and indirect investment management department

Claims (16)

  1. 포인트를 이용한 투자 시스템으로서,As an investment system using points,
    투자 상품들이 투자를 직접 결정하는 데 필요할 만한 여러 정보와 함께 저장된 데이터베이스;a database stored with information that investment products may need to make their own investment decisions;
    직접 투자 방식의 상품들로서 상기 데이터베이스의 공공주택 개발사업들 또는 신재생 에너지 발전사업들을 포인트 소지자에게 선택적으로 제시하는 투자 상품 제시부;Investment product presentation unit for selectively presenting public housing development projects or new and renewable energy generation projects of the database as direct investment products to point holders;
    상기 포인트 소지자로부터 상기 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사를 포함하는 투자 정보를 직접 지정받고 상기 투자 정보를 상기 데이터베이스에 저장하는 직접 투자 결정부;a direct investment decision unit for directly receiving investment information including an investment product, an investment amount, an investment period, and an investment agency in which the point holder wants to invest among the proposed investment products, and storing the investment information in the database;
    상기 포인트 투자자로부터 직접 지정된 상기 투자 대행사에게 상기 투자 정보를 전송하고 상기 투자 금액을 이체하여 상기 투자 대행사가 상기 투자 상품에의 투자 업무를 간접 대행하게 하는 간접 투자 대행부; 및an indirect investment agency that transmits the investment information to the investment agency designated directly from the point investor and transfers the investment amount so that the investment agency indirectly acts as an investment agent for the investment product; and
    상기 투자 대행사로부터 상기 투자 상품의 사업 진행 상황, 투자 업무 대행 상황 및 배당 상황을 전송받아 이러한 상황 정보들 중 적어도 하나를 상기 포인트 투자자에게 디스플레이하고, 상기 투자 기간이 만료된 후 상기 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 상기 포인트 투자자의 지시를 입력받아 이익금을 상기 포인트 투자자의 계좌로 이체하는 직간접 투자 운용부를 포함하는, 포인트를 이용한 투자 시스템.Received from the investment agency the business progress status, investment business agency status, and dividend status of the investment product, display at least one of these status information to the point investor, and distribute profits to the point investor after the investment period expires An investment system using points, including a direct and indirect investment management unit for displaying a result, receiving an instruction from the point investor, and transferring the profit to the point investor's account.
  2. 청구항 제1항에 있어서,The method according to claim 1,
    상기 투자 상품 제시부는 또한 상기 공공주택 개발사업들에 대해, 투자를 직접 결정하는 데 필요할 만한 정보와 함께 제시하도록 구성되며,The investment product presentation unit is also configured to present the public housing development projects together with information necessary to directly make an investment decision,
    상기 투자를 직접 결정하는 데 필요할 만한 정보는 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 담보 감정가, 감정가 대비 대출액 비율, 개발 호재, 참여 기업 및 종부세의 대상이 되는 매입형 임대인지 또는 종부세의 대상이 되지 않는 건설형 임대인지 포인트인지 중 적어도 하나 이상의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점 및 투자 금액 대비 예상 수익 중 적어도 하나 이상인 것인, 포인트를 이용한 투자 시스템.Information that may be necessary to directly determine the above investment is the location of the business site, total business funds, business resources, business period, target business rate of return, assessed value of collateral, loan to appraised value ratio, development favorable conditions, participating companies and purchase-type leases subject to estate tax. Investment system using points, which is at least one or more of investment points, investment target amount, investment return, investment profit dividend timing, and expected return relative to the investment amount .
  3. 청구항 제1항에 있어서,The method according to claim 1,
    상기 투자 상품 제시부는 또한 상기 신재생 에너지 발전사업들에 대해, 투자를 직접 결정하는 데 필요할 만한 정보와 함께 제시하도록 구성되며,The investment product presentation unit is also configured to present the new and renewable energy generation projects together with information necessary to directly decide the investment,
    상기 투자를 직접 결정하는 데 필요할 만한 정보는 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 공기업의 참여 여부 및 개인 종합 탄소세 혜택 중 적어도 하나 이상의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점 및 투자 금액 대비 예상 수익 중 적어도 하나 이상인 것인, 포인트를 이용한 투자 시스템.The information that may be necessary to directly determine the above investment includes the location of the business site, total business funds, business resources, business period, target business rate of return, at least one investment point among public corporation participation and individual comprehensive carbon tax benefits, investment target amount, and return on investment. , The investment system using points, which will be at least one or more of the investment return dividend timing and the expected return relative to the investment amount.
  4. 청구항 제1항에 있어서,The method according to claim 1,
    상기 투자 상품 제시부는 또한 상기 투자를 직접 결정하는 데 필요할 만한 정보 중 상기 포인트 소지자가 자신의 투자 선호도에 따라 검색 조건 및 투자 상품 제시 순서를 지정하게 하도록 구성되는, 포인트를 이용한 투자 시스템.The investment product presentation unit is also configured to allow the point holder to designate a search condition and an investment product presentation order according to his/her investment preference among information necessary for directly determining the investment.
  5. 청구항 제1항에 있어서,The method according to claim 1,
    상기 직접 투자 결정부는 또한 은행과의 연계를 통해 상기 포인트 소지자의 포인트를 현금화하여 지정된 금융사에 위탁하도록 구성되는, 포인트를 이용한 투자 시스템.The investment system using points, wherein the direct investment decision unit is further configured to convert the points of the point holder into cash through linkage with a bank and entrust them to a designated financial company.
  6. 청구항 제5항에 있어서,6. The method of claim 5,
    상기 직접 투자 결정부는 소정의 목표 투자 적립금 이상이 적립되는 경우 상기 포인트 소지자의 포인트가 투자되는 적립식 일시 투자 방식을 채택하고, 일정 기간 동안 상기 목표 투자 적립금이 모집되지 않는 경우 상기 현금화된 포인트를 개인 계좌로 반환할 수 있게 하도록 구성되는, 포인트를 이용한 투자 시스템.The direct investment decision unit adopts an accumulation-type temporary investment method in which the points of the point holder are invested when more than a predetermined target investment reserve is accumulated, and when the target investment reserve is not collected for a certain period of time, the cashed points are stored in a personal account An investment system using points, which is configured to be able to return to
  7. 청구항 제6항에 있어서,7. The method of claim 6,
    상기 직간접 투자 운용부는 또한 상기 목표 투자 적립금의 모집 상황을 상기 포인트 소지자에게 디스플레이하도록 구성되는, 포인트를 이용한 투자 시스템.The investment system using points, wherein the direct and indirect investment management unit is also configured to display the recruitment status of the target investment reserve to the point holder.
  8. 청구항 제1항 내지 제7항 중 어느 하나에 있어서,8. The method according to any one of claims 1 to 7,
    상기 포인트 소지자의 투자 결정권을 보장하기 위해 상기 직접 투자 결정부를 통해 상기 포인트 소지자 본인이 자신의 포인트를 투자할 상기 투자 상품을 직접 결정하게 하는 동시에, 투자 업무의 효율성을 높이기 위해 상기 간접 투자 대행부를 통해 상기 포인트 소지자가 지정한 상기 투자 대행사가 상기 투자 업무를 간접 대행하게 하는 것을 특징으로 하는, 포인트를 이용한 투자 시스템.In order to guarantee the investment decision right of the point holder, the point holder directly decides the investment product in which to invest his or her points through the direct investment decision unit, and at the same time, through the indirect investment agency to increase the efficiency of investment work An investment system using points, characterized in that the investment agency designated by the point holder indirectly performs the investment business.
  9. 포인트를 이용한 투자 방법으로서,As an investment method using points,
    투자 상품 제시부에 의해, 직접 투자 방식의 상품들로서 투자 상품들이 투자를 직접 결정하는 데 필요할 만한 여러 정보와 함께 저장된 데이터베이스의 공공주택 개발사업들 또는 신재생 에너지 발전사업들을 포인트 소지자에게 선택적으로 제시하는 단계;Step of selectively presenting public housing development projects or new and renewable energy power generation projects in a database stored together with various information necessary for investment products to directly decide investment as direct investment products by the investment product presentation unit to point holders ;
    직접 투자 결정부에 의해, 상기 포인트 소지자로부터 상기 제시된 투자 상품들 중 자신이 투자하기 원하는 투자 상품, 투자 금액, 투자 기간 및 투자 대행사를 포함하는 투자 정보를 직접 지정받고 상기 투자 정보를 상기 데이터베이스에 저장하는 단계;Directly by the direct investment decision unit, the point holder directly receives investment information including the investment product, investment amount, investment period, and investment agency in which he/she wants to invest among the presented investment products, and stores the investment information in the database to do;
    간접 투자 대행부에 의해, 상기 포인트 투자자로부터 직접 지정된 상기 투자 대행사에게 상기 투자 정보를 전송하고 상기 투자 금액을 이체하여 상기 투자 대행사가 상기 투자 상품에의 투자 업무를 간접 대행하게 하는 단계;sending, by an indirect investment agency, the investment information to the investment agency designated directly from the point investor, and transferring the investment amount so that the investment agency indirectly acts as an investment agent for the investment product;
    직간접 투자 운용부에 의해, 상기 투자 대행사로부터 상기 투자 상품의 사업 진행 상황, 투자 업무 대행 상황 및 배당 상황을 전송받아 이러한 상황 정보들 중 적어도 하나를 상기 포인트 투자자에게 디스플레이하는 단계; 및receiving, by the direct or indirect investment management unit, the business progress status, investment business agency status, and dividend status of the investment product from the investment agency and displaying at least one of these status information to the point investor; and
    상기 직간접 투자 운용부에 의해, 상기 투자 기간이 만료된 후 상기 포인트 투자자에게 이익 배당 결과를 디스플레이하며, 상기 포인트 투자자의 지시를 입력받아 이익금을 상기 포인트 투자자의 계좌로 이체하는 단계를 포함하는, 포인트를 이용한 투자 방법.Displaying, by the direct or indirect investment management unit, a profit dividend result to the point investor after the investment period has expired, receiving an instruction from the point investor, and transferring the profit to the account of the point investor, point investment method using
  10. 청구항 제9항에 있어서,10. The method of claim 9,
    상기 직접 투자 방식의 상품들을 제시하는 단계는 상기 공공주택 개발사업들에 대해, 투자를 직접 결정하는 데 필요할 만한 정보를 제시하는 단계를 포함하며,The step of presenting the products of the direct investment method includes the step of presenting information necessary to directly determine the investment for the public housing development projects,
    상기 투자를 직접 결정하는 데 필요할 만한 정보는 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 담보 감정가, 감정가 대비 대출액 비율, 개발 호재, 참여 기업 및 종부세의 대상이 되는 매입형 임대인지 또는 종부세의 대상이 되지 않는 건설형 임대인지 포인트인지 중 적어도 하나 이상의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점 및 투자 금액 대비 예상 수익 중 적어도 하나 이상인 것인, 포인트를 이용한 투자 방법.Information that may be necessary to directly determine the above investment is the location of the business site, total business funds, business resources, business period, target business rate of return, assessed value of collateral, loan to appraised value ratio, development favorable conditions, participating companies and purchase-type leases subject to estate tax. Investment method using points, which is at least one of investment points, investment target amount, investment return, investment return timing, and expected return relative to the investment amount .
  11. 청구항 제9항에 있어서,10. The method of claim 9,
    상기 직접 투자 방식의 상품들을 제시하는 단계는 상기 신재생 에너지 발전사업들에 대해, 투자를 직접 결정하는 데 필요할 만한 정보를 제시하는 단계를 포함하며,The step of presenting the products of the direct investment method includes the step of presenting information necessary to directly determine the investment for the renewable energy power generation projects,
    상기 투자를 직접 결정하는 데 필요할 만한 정보는 사업장 입지, 총 사업 자금, 사업 재원, 사업 기간, 목표 사업 수익률, 공기업의 참여 여부 및 개인 종합 탄소세 혜택 중 적어도 하나 이상의 투자 포인트, 투자 목표 금액, 투자 수익률, 투자 수익 배당 시점 및 투자 금액 대비 예상 수익 중 적어도 하나 이상인 것인, 포인트를 이용한 투자 방법.The information that may be necessary to directly determine the above investment includes the location of the business site, total business funds, business resources, business period, target business rate of return, at least one investment point among public corporation participation and individual comprehensive carbon tax benefits, investment target amount, and return on investment. , The investment method using points, which will be at least one or more of the investment return dividend timing and the expected return relative to the investment amount.
  12. 청구항 제9항에 있어서,10. The method of claim 9,
    상기 직접 투자 방식의 상품들을 제시하는 단계 전에,Before presenting the products of the direct investment method,
    상기 포인트 소지자로부터 상기 투자를 직접 결정하는 데 필요할 만한 정보 중 하나 이상의 투자 선호 조건을 지정받는 단계; 및receiving, from the point holder, designating one or more investment preference conditions among information necessary for directly determining the investment; and
    상기 투자 선호 조건에 따라 상기 직접 투자 방식의 상품들을 상기 투자 선호 조건에 기초한 순서로 제시하는 단계를 더 포함하는, 포인트를 이용한 투자 방법.The investment method using points, further comprising the step of presenting the products of the direct investment method in an order based on the investment preference conditions according to the investment preference conditions.
  13. 청구항 제9항에 있어서,10. The method of claim 9,
    상기 직접 투자 결정부에 의해, 은행과의 연계를 통해 상기 포인트 소지자의 포인트를 현금화하여 지정된 금융사에 위탁하는 단계를 더 포함하는, 포인트를 이용한 투자 방법.The investment method using points, further comprising, by the direct investment decision unit, converting the points of the point holders into cash through linkage with a bank and entrusting them to a designated financial company.
  14. 청구항 제13항에 있어서,14. The method of claim 13,
    상기 직접 투자 결정부에 의해:By the Direct Investment Decision Unit:
    소정의 목표 투자 적립금 이상이 적립되는 경우 상기 포인트 소지자의 포인트를 상기 지정된 투자 상품에 일시 투자하는 단계; 및Temporarily investing the points of the point holder in the designated investment product when more than a predetermined target investment reserve is accumulated; and
    일정 기간 동안 상기 목표 투자 적립금이 모집되지 않는 경우 상기 현금화된 포인트를 개인 계좌로 반환하는 단계를 더 포함하는, 포인트를 이용한 투자 방법.Investing method using points, further comprising the step of returning the cashed points to a personal account when the target investment reserve is not collected for a certain period of time.
  15. 청구항 제14항에 있어서,15. The method of claim 14,
    상기 직간접 투자 운용부에 의해, 상기 목표 투자 적립금의 모집 상황을 상기 포인트 소지자에게 디스플레이하는 단계를 더 포함하는, 포인트를 이용한 투자 방법.The investment method using points, further comprising, by the direct or indirect investment management unit, the step of displaying the recruitment status of the target investment reserve to the point holder.
  16. 청구항 제9항 내지 제15항 중 어느 하나에 있어서,16. The method according to any one of claims 9 to 15,
    상기 포인트 소지자의 투자 결정권을 보장하기 위해 상기 투자 정보를 직접 지정받는 단계를 통해 상기 포인트 소지자 본인이 자신의 포인트를 투자할 상기 투자 상품을 직접 결정하게 하는 동시에, 투자 업무의 효율성을 높이기 위해 상기 투자 업무를 간접 대행하게 하는 단계를 통해 상기 포인트 소지자가 지정한 상기 투자 대행사가 상기 투자 업무를 간접 대행하게 하는 것을 특징으로 하는, 포인트를 이용한 투자 방법.In order to ensure the investment decision right of the point holder, the point holder himself/herself directly decides the investment product in which to invest his/her points through the step of receiving the investment information directly, while at the same time increasing the efficiency of the investment business. Investment method using points, characterized in that the investment agency designated by the point holder through the step of indirectly acting as an agent for the business, indirectly acting for the investment business.
PCT/KR2022/003561 2021-03-17 2022-03-15 System and method for investing in new and renewable energy and public housing development projects using points WO2022197054A1 (en)

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KR20020094402A (en) * 2001-06-11 2002-12-18 이상엽 System and method for representing investment using cash-back point
US8386307B2 (en) * 2007-04-05 2013-02-26 Capital One Financial Corporation System and methods for purchase reward investment communities
KR20140096676A (en) * 2013-01-28 2014-08-06 오픈트레이드 주식회사 Funding management system and thereof method using open platform
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