Patent KR-20130059069-A (KR)
Title: System and method for social fund commerce
Inventor: HWANG SU DOC
IPC: G06Q50/30
Filed: 2011-11-28
Abstract: PURPOSE: A system for social fund commerce and a method thereof are provided to enable investment contact through contracts of passive loan for consumption, thereby effectively inducing investments and enabling invertors to continuously use the social fund commerce. CONSTITUTION: A membership subscription is performed by interworking with a DB of real name certificate authority. If an investor sets geographical information about the region where the investor locates, and interest region information, projects related to the regions are automatically searched and displayed to the investor. The interest region has a priority to the geographical information. A virtual account of each member is automatically generated by a system. Integrated information about contract, payment, settlement, and benefits is displayed in a membership management page. When a business operator requests for promotion of investment, the system queries credit information about the business operator by interworking with a DB of a credit information company. Based on project information which is created by a manager, the system automatically posts the project on a site for a predetermined period. During period of profit distribution, the business operator deposits a profit defined by the contract in the virtual account. During contact period, the investor can transfer holding bonds to other members, and ask a bond transfer through a bond transfer bulletin board of the site. When contract expiration data is coming, the system automatically informs the investor and the business operator of contract expiration and collects intension of renewal of the contract. The retrieved investments are displayed in the virtual account. [Reference numerals] (A1) Investment is impossible; (A10,B9) Success of certification; (A11) Deduct the investment + purchase amount; (A12) Refund the investment + purchase amount; (A2,B8) Failure of certification; (A3) Investor(creditor); (A4) Check the investment product; (A5) Select the investment/purchase product; (A6) Charge the account; (A7) Check the balance of the account; (A8) Payment is impossible; (A9) Payment/Official certification signature; (B1) Check whether to meet the target amount; (B10) Deliver the investment; (B11) Start of the contract; (B12) Provide the ways to check contract information; (B13) Progress of the contract; (B14) Completion of payment; (B15) Cession of an obligation to others(membership); (B16) Retention of payment; (B17) Check whether to fulfill the contract; (B18) Termination of a contract; (B19) Check reinvestment; (B2) Failure; (B20) Failure of investment attraction; (B3) Success; (B4) Check the final contract; (B5,D3) Existence of a problem; (B6,D5) OK; (B7) Official certification signature(Business owner); (C1) Release personal information of a business owner; (C2) Notify the loss of benefits of time; (C3) Bad account disposal; (C4) Appoint a lawyer; (C5) Notify the result; (C6) Non-performing loan disposal; (D1) Business operator(debtor); (D10) Start investment attraction; (D11) Investment attraction is impossible; (D2) Request to keep investment; (D4) Check credit information; (D6) Confirmation of investment; (D7) Pending payment; (D8) Payment of publicity-expenses; (D9) Completion of payment; (EE) End