WO2022197054A1 - Système et procédé d'investissement dans des projets de développement d'énergies nouvelles et renouvelables et de logements sociaux à l'aide de points - Google Patents

Système et procédé d'investissement dans des projets de développement d'énergies nouvelles et renouvelables et de logements sociaux à l'aide de 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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Prior art keywords
investment
points
business
point
direct
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PCT/KR2022/003561
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English (en)
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—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/06—Energy 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—Information and communication technology [ICT] specially adapted for implementation of business processes of 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

La présente invention concerne un système et un procédé d'investissement dans des projets de développement d'énergies nouvelles et renouvelables et de logements sociaux à l'aide de points, des détenteurs de points eux-mêmes décidant directement dans quels produits d'investissement investir leurs points, ce qui garantit ainsi aux détenteurs de points le droit de décider des investissements, tout en pouvant accroître l'efficacité de travaux d'investissement par réalisation indirecte de travaux d'investissement pour le compte du détenteur de points par l'intermédiaire d'un organisme d'investissement désigné par le détenteur de points.
PCT/KR2022/003561 2021-03-17 2022-03-15 Système et procédé d'investissement dans des projets de développement d'énergies nouvelles et renouvelables et de logements sociaux à l'aide de points WO2022197054A1 (fr)

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KR10-2021-0034458 2021-03-17
KR1020210034458A KR20220129763A (ko) 2021-03-17 2021-03-17 포인트를 이용한 공공주택 개발사업 또는 신재생 에너지 발전사업 투자 시스템 및 방법

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WO2022197054A1 true WO2022197054A1 (fr) 2022-09-22

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020094402A (ko) * 2001-06-11 2002-12-18 이상엽 포인트를 이용한 투자대행시스템 및 그 방법
US8386307B2 (en) * 2007-04-05 2013-02-26 Capital One Financial Corporation System and methods for purchase reward investment communities
KR20140096676A (ko) * 2013-01-28 2014-08-06 오픈트레이드 주식회사 오픈 플랫폼을 이용한 펀딩 운영시스템 및 그 운영방법
KR20200049553A (ko) * 2018-10-24 2020-05-08 최대철 투자 금융상품 제공 방법
KR20200104015A (ko) * 2019-02-26 2020-09-03 류제훈 자산관리 서비스 시스템의 상품추천방법

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6432525B1 (en) 1997-11-28 2002-08-13 Jsp Corporation Blow-molded foam and process for producing the same

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020094402A (ko) * 2001-06-11 2002-12-18 이상엽 포인트를 이용한 투자대행시스템 및 그 방법
US8386307B2 (en) * 2007-04-05 2013-02-26 Capital One Financial Corporation System and methods for purchase reward investment communities
KR20140096676A (ko) * 2013-01-28 2014-08-06 오픈트레이드 주식회사 오픈 플랫폼을 이용한 펀딩 운영시스템 및 그 운영방법
KR20200049553A (ko) * 2018-10-24 2020-05-08 최대철 투자 금융상품 제공 방법
KR20200104015A (ko) * 2019-02-26 2020-09-03 류제훈 자산관리 서비스 시스템의 상품추천방법

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