KR20160150342A - System and operating Method of democratic capital market for high risk business based on Internet - Google Patents

Abstract

The present invention relates to an establishing technology and a using technology of an e-commerce system for performing a democratic capital market function for a high risk business. The technologies enable a businessman to easily succeed when the businessman has a good business model without fame, money, personal connection, an organization, and a cooperating company, and enable any customer to easily obtain a lot of investment profits by participating in a high risk business with low burden of risk, by easily establishing a system which can easily solve a problem of the high risk business with a high risk of an investment loss like establishing a high risk venture company, industrializing a new technology, and launching a new product which have an extremely low rate of business success due to poor sales rate and a difficulty in financing caused by low degree of completion and low customer awareness in general.

Description

  The system of democratic capital markets for high-risk Internet-based businesses and its operating method

  It is an invention about the establishment of a democratic capital market system for high risk business using electronic commerce technology.

  This invention is based on the assumption that the political, economic and social power of non-profit assets such as time, knowledge, information, interest, purchasing funds, trading company choice, national sovereignty, By investing in financial capital for new technology development, new business promotion and management,

  If a businessman is good only for a business model, even if he does not have money, organization, reputation, and network, using this invention will make the business easily successful worldwide,

  Consumer is a technology to build a democratic capital market system that enables everybody to become a capitalist who can make good money with high risk,

  The use of the existing deposit sales system, which is the president of the bank, is carried out simply and globally.

  This invention is based on the inventive technology of the world and the country as a democratic economic community and democratic capitalism system that rebuilds the consumer community construction project book, Lt; / RTI >

  In addition, the success of publication of this manuscript using this invention will instantly lead to destructive innovation in the financial markets of the world,

  The world's adventure capital markets, such as traditional angel investment, venture capital investment and IPO, are immediately replaced by this democratic capital market.

  The summary of the invention technology and book <consumer world management> and the consumer community construction business is described in the book entitled "Business Invitation" of Volume 1 of the "World of Consumer Management" and "Business PT Textbook" Lt; / RTI &gt;

  The background art of the present invention is disclosed in Korean Patent Application No. 10-2007-0058610 (June 14, 2007), Korean Patent Application No. 10-2007-0083123 (August 18, 2007), and Korean Patent Application No. 10-2012-0004190 (January 13, 2012) Which is an invention of the applicant, which is open to the public. The present invention belongs to the inventions of the present invention. Therefore, the detailed description of the technology disclosed in the above-described invention is omitted because it is complicated only by the content of the specification. Accordingly, the techniques disclosed in the present invention and widely used in general are not included in the specification, but are included in the technical scope of the present invention.

 These known technologies are mainly e-commerce system construction technologies such as internet system, product database construction technology, commercial database construction technology, customer database construction technology, seller database construction technology, online trading system, online payment system.

  The two main functions of the capital market are the function of collecting risk capital (stock investment capital, bond investment capital) and the hedging function of investment loss risk. This capability allows companies to raise funds for the commercialization of new technologies and ideas and for the manufacture of new products.

  From the viewpoint of the investment market, the typical characteristic of the capital market is high risk and high profit. The reason for this is that financial assets traded in the capital market are financial assets with high risk of investment loss such as stocks and long-term bonds. However, investment risk hedging is almost entirely dependent on the ability of the firm. Accordingly, stocks and bonds traded on the capital market (ie, listed) are limited to stocks and bonds of companies with stable returns and above a certain level. The capital that is concentrated is limited to the money capital. Thus, consumers who are able to participate in investment are limited to a few who have a lot of spare funds and are willing to take the risk of investment loss actively.

  Accordingly, it is difficult for businesses with venture business start-ups or commercialization of new technologies to have high risk of investment losses. This further lowers the business success rate of high-risk business due to the vicious cycle effect. As a result, in the case of SMEs and start-up companies, it is very difficult to attract investment of credit capital, such as attracting investment of risk capital (issuance of stocks and bonds) as well as loans. As a result, the gap between investors and simple consumers is widening. It is also because there is not much good job creation. These are due to the inherent limitations of the existing capital markets, which are characterized by winners and riches.

  Since the capital market is a corporation's capital procurement market and it is the ownership market of the corporation, it plays a very important role in the birth, survival and growth of the enterprise and is thus the core of the capitalist system. to be. Therefore, the construction of a democratic capital market system pursued by the present invention means the construction of a democratic capitalist system, that is, the capitalist revolution.

  The Internet is one of the most representative cooperative systems, but also a power collecting system. By using these two typical functions of the Internet, a new capital market system can be constructed that solves the problems of the existing capital market. Nevertheless, the existing technologies use the Internet only on simple commerce, and the capital market uses the Internet only on simple brokerage of stocks and bonds of large corporations with relatively high stability.

  The present invention converges the consumer market (commodity market), the deposit market, the loan market, the capital market, and the production market with each other in a win-win manner, focusing on the consumer's non-profit investment, using the Internet so that high- It is not only costly to reduce the risk of loss, but also to reduce the risk of this risk by the power of consumer solidarity, so that it can participate comfortably in the high risk investment business, To disclose technology that can easily build a democratic capital market system for high-risk businesses to gain.

  Thus, when the present invention is used, both the businessman and the consumer gain a great profit, but a lot of good jobs are created, and the problem of the financial deficit of the state caused by the unemployment problem and the expenditure of the welfare is solved by itself. As a result, the national financial income is increased, but the fiscal expenditure is reduced, and the national finances are easily sound.

  The first problem to be solved by the present invention is to solve the problem of low business success rate due to difficulty of financing due to low perfection of new goods or new business, low consumer awareness and high investment loss risk, This is an invention of an e-commerce system that performs democratic capital market function for high risk business that business and consumer win together by easily solving it.

  The second problem to be solved by the present invention is an invention of an electronic commerce system in which a consumer performs a democratic capital market function for a high-risk business in which a person can participate in a high-risk business at a low risk and obtain a high investment return.

  The specific problems to be solved by the present invention are better understood through the following examples.

 (Case 1)

  Lee is a new capitalist system based on 100% profit that solves the problems of the existing capitalist system centered on 1% profit, such as the gap between rich and poor, high unemployment, polarization, financial instability, personal debt, national debt, demolition of community and democratic capitalist system He wrote a book entitled "Managing the World of Consumers," a representative identity that reveals theories, techniques, and systems design techniques for building a capitalist system, "a book that makes consumers become capitalists. And tried to collect funds and support for the commercialization of the contents of the book, but all failed.

  The main reason for failure is, firstly, that the contents of theory and technology cause a paradigm revolution and creative destruction of the existing capitalist system, making it difficult for non-experts to understand.

  Second, in terms of large corporations, financial institutions, powerhouses, and academics belonging to the vested interests, the theory and technology are very good, but because they hurt their vested interests, they are rejected.

  Third, it is difficult for the publisher to understand the book paradigm revolution and it is difficult for ordinary consumers to understand it. The book that requires this paradigm shift is not a book written by world-class scholars, but it is an unreadable book. Publishing the World's Business> is likely to suffer a great loss.

  On the other hand, the authors found that the book "Management of the World of Consumers" was published, and the merits of the book "The management of the world of consumers" and the advantages of the civil capitalist system became widely reported to the press and became widely known to consumers. The success of the revolution - the sale of more books - is convinced that the synergies and synergies of the virtuous circle will make book publishing and capitalist revolution easily successful. In addition, if books are published successfully, we plan to produce movies and dramas based on the capitalist revolution. Since the books perform not only the business design but also the promotion and sales tools of movies and dramas, It is very important for success.

  However, publishing a book requires specialist supervision and revision of the contents of the book, and investing a considerable amount of money at risk of loss. On the other hand, Lee Jong Il has no money to publish books at his own expense and no contacts to help. Also, there are no contacts to take care of and modify contents. As a result, even though they have good manuscripts, they can not publish them.

  (Case 2)

  Lee Jung-il transformed the existing capitalist system centered on 1% profit for all the wealth and happiness of the world into a citizen capitalist system, a democratic capitalist system based on 100% profit through the choice of trading companies (ie consumer sovereignty) It is carrying out the capitalist revolution project. However, I do not see much progress because I do business without money and network.

  Because this project is a project for the capitalist revolution, it is also called the 2nd civil revolution project. It is a project for the wealth and happiness of all the consumers of the world. If the merits of the business are well known successfully, open innovation is caused, Absolutely important. Lee Jung Il has written a book titled "Management of the World of Consumers" that will be used as a guide to business promotion and business financing, as well as an ideal social plan and a book of the Second Civil Revolution. We make films and dramas based on stories and distribute them to the global consumers through the internet. We sell movies for a fee, and we try to distribute the drama free of charge by inserting advertisements.

  However, in order to produce movies and dramas, many professionals have to participate in the business, take the risk of loss and invest a lot of money, but Lee Jong - il has no money and no contacts to get help. So this plan is not realized.

  These two examples are individuals and small organizations that own a good knowledge (technology) or a good business model for copyright, movie scenario, invention, or new business, but are in a disadvantageous position to commercialize because they do not have money, It represents the difficulties of many adventure companies involved. This, of course, is also true for large-scale new business and large-scale M & A projects, even for large corporations.

  For e-commerce, a general consumer, a low-risk investor, a business entity, an inventor of the present invention, or a high-risk business operator who transmits and receives information necessary for e-commerce with this business server using a business server connected to the Internet and a computer connected to the Internet In a method for operating a capital market system for a high-risk business based on an electronic commerce system including the above, the consumer and the low-risk investor are both consumers,

  A system user registration step in which a provider server registers and stores system user information from at least one of a general consumer, a low-risk investor, a business place, a high-risk business, and the present invention provider;

  Registered as a low-risk investment fund provided by a provider server by accessing a provider server in order to facilitate the business by sharing the loss risk and profit opportunity of a high-risk business with a large number of consumers on behalf of a high risk enterprise or a high risk enterprise. Risk investment fund registration step of registering information of a low-risk investment fund in a provider server using the module 320;

  A low-risk investment fund introduction stage that introduces consumers to low-risk investment funds registered with a provider server;

  If one or more of the consumers are low-risk investors and engage in low-risk investments, low-risk investments are made by the low-risk investment fund on the provider server, and the provider server provides low-risk investment information and investment information Low-risk investment phase;

  A physical commodity registration step of registering real commodity information on a server server for selling a real commodity introduced by a high risk enterprise in a low risk investment fund introduction to a consumer;

  A physical merchandise sales stage in which a business server receives sales information or rental information of physical merchandise from a consumer or a business location; And

  A business profit distribution step in which a business server provides business profit dividend information to a low-risk investor, a inventor of the present invention and a high-risk enterprise,

  The low risk investment fund registration module 320 includes an introduction area of a high risk business in which a high risk enterprise inputs information for at least one of a business name, a business content, a business profit distribution, a physical product to be sold, a sales target, In order to contribute to the success of the high-risk business, it is necessary to purchase financial products, purchase real goods, use purchased real goods for a certain period of time, use the purchased real goods for rental for a certain period, place advertisements on purchased real goods, , Information on one or more of participating in high risk business promotion team, low risk investors should enter in order to participate in low risk investment A low-risk investment fund registration module consisting of a low-risk investment portfolio; This is a method of operating a democratic capital market system for Internet-based high-risk businesses.

  In the method of operating the democratic capital market system, when a real product to be rented at the sales stage of the real product is a tangible product designated as a rental product for a predetermined period by a low-risk investor, A rental item recovery step of providing information to the low-risk investor and providing rental item delivery information to the low-risk investor; .

  The type of business profit allocated to low-risk investors, inventors and high-risk entrepreneurs in the business profit dividend stage is cash, high-risk business companies, parent company stocks, shares of the inventors' business companies, and shares of third- It can be more than one.

  Attracting low-risk investments through the low-risk investment phase may be more than twice for the same project.

  In dividing the business profits, the dividend on the business profits for the low-

  Purchase of financial products, purchase of real goods, agreement of use of purchased real goods for sale for a certain period of time, agreement of use of purchased real goods for rental for a certain period of time, agreement of advertisement on purchased real goods, Enter contacts, input contact information of relatives to recommend purchase of real goods, and agree to use buyer information for marketing; Based on the results of one or more business profits.

  First, the central investment assets of the capital market are transformed from money capital to non - profit assets. In addition, it is also possible to use non-profitable assets such as consumer financing and intangible assets for a dual purpose of consumption and production, a type of one type depending on the consumer's choice, such as the use for sale or rent for a certain period of time, By allowing products to be used for both consumer and business purposes, it is easy to build a democratic capital market that allows all consumers to become capitalists with only consumption. Therefore, consumers can easily become capitalists through this invention. This means economic democracy.

  Second, business owners can easily solve the problems of securing capital for high-risk businesses such as technology and knowledge commercialization, securing sales and promoting business, so that they can easily commercialize knowledge successfully. As a result, many companies are founded on knowledge, and many good jobs are provided to the society. So the problem of unemployment, the gap between the rich and the poor, and the problem of social division are easily solved, and the individual and the nation become rich easily.

  Third, the existing capital markets are only trading in high-risk investment products such as stocks and bonds, and only a very small number of consumers are participating in capital transactions. As a result, the capital market is the main cause of the gap between rich and poor, The purchase of a low-risk investment fund automatically controls the consumption market, the deposit market, the capital market, the loan market and the production market (including the start-up market) so that everyone can become a capitalist who can make big money easily. To be a solver.

  Fourth, the existing capital markets are not specialized except for high risk investors, except for selling stocks or bonds of companies that have invested more quickly than others. However, this method can be a way to reduce losses for investors, but it also increases the loss of the company. On the other hand, the investment using the capital market of the present invention has a small risk of loss that investors bear even if the investment object is a high risk business, and there is a lot of ways in which the investor himself hedges based on the consumer solidarity without selling the small loss risk stock.

  Fifth, the inventive business company (301) or broker and third-party holding company that broker the sales of low-risk investment funds of many companies, as well as the profit share of the business that directly invested dividends on the investment, As a result of the insurance effect, the risk of loss is much less than that of a single company (small venture company), as in the case of existing stock investments. In addition, due to the monetary effect, trading (liquidity) is much more advantageous. In addition, since it completely eliminates the risk of small losses through the sale of real goods to the general consumer, participating in the high risk business with low risk will eventually become risk free investment.

  Sixth, the advantages of the present invention capital market to the existing capital market are well known through comparison of the competitiveness of Table 1.

Compare Existing capital market The present invention capital market Investment loss risk
Bearer Stocks / Bonds
Buyer Low-risk investors (mainly experts and early adopters) Open investor recruitment time Mainly profit and loss
After the turning point - From no sales (business idea development) stage
- or by selling goods, renting goods or displaying goods How to attract investment Stocks / Bonds
sale Sales of low-risk investment funds that combine the consumer market + deposit market + loan market + capital market + production market Investment loss risk
How to hedge the risk of the bearer Stocks / Bonds
Early sale - More low risk investments
- Use the purchased product as a sales item and rental product for general consumers.
- Show ads on purchased items
- Buyer information is used for marketing such as auto membership of company website
- Buying a shopping company gift certificate group
- Investment to friends and relatives
- Use the product itself as a promotional medium
- The dividend of profits is received as a stock of the present invention business company or a third-party community holding company. Risk of loss of investors A lot of Very small Investment Manager Investment enterprise The inventors, third parties or cooperative financial companies Loss risk of producers A lot of Almost none Major Business Promoters producer Inventors, Low Risk Investors, Cooperative Finance Companies

Figure 1 shows a comparison of the mechanisms, features and advantages between the existing capital markets and the bridges provided by the democratic capital markets of the present invention in risky investment projects.
FIG. 2 shows a model of a governance structure among companies that are established and m & eed through the democratic capital market of the present invention for the win-
FIG. 3 shows a model and operation diagram of a democratic capital market system for the Internet-based high-risk business of the present invention
4 is an exemplary diagram of S / W modules and databases that the vendor server 300 of FIG. 3 should additionally install for the implementation of the present invention.
Figure 5 is an exemplary diagram of a template web page for low risk investment fund registration for building low risk investment fund DB of Figure 4;
Figure 6 is an illustration of compensation criteria for contributing business profits through low-risk investment by the consumer of Figure 5
FIG. 7 is a block diagram of a system for explaining roles and roles of major components of the system of the present invention,

  DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the drawings and various embodiments.

  Since the present invention is an invention using a known electronic commerce system, a detailed description of known technologies complicates the contents of the specification, so that the description thereof will be omitted or briefly explained.

  In the functional description of each component of the present invention, the description of the function of the computer includes a description of the function of the computer user, and the description of the function of the computer user includes the description of the function of the computer to be used.

  That is, even if the computer is not specified in the drawings and specification, the general consumer, the business, the inventor, the low-risk investor, and the high-risk enterprise, in terms of the function of the system of the present invention, The inventive company terminal 301, the low-risk investor computer 400, and the high-risk enterprise computer 500.

  In the claims of the present invention, steps of the method of claiming a constituent block unit of the technique of the present invention are described as steps. The one means or module may comprise one or more computer programs for functional implementation of the method, hardware embedded in the computer program and / or a database associated therewith and the one configuration block may comprise one or more detailed configuration blocks .

  The terms used in the specification of the present invention and the terms used in the claims may be slightly different from each other in the same function. The specification is intended to provide various embodiments and detailed descriptions for the implementation of the gist of the invention. Can be sufficient. Therefore, although the names are slightly different, their true meaning must be interpreted in light of the functions of both. In addition, unlike other known patent specifications, the specification of the present invention does not duplicate the contents of the patent claims in the specification due to the slight difference between the patent claims and the description of the specification with respect to the same technology when the specification is described in the specification . In this case, the technical structure disclosed in the claims of the first patent is also part of the specification of the present invention.

  The method of the present invention is realized by a computer program installed in each component of the system of the present invention that functions as a computer or a computer, and the program is a program for implementing the logic of the method of the present invention through a computer The present invention is implemented by controlling each constituent device (means) of the system of the present invention in accordance with the call of the central processing unit (CPU) and the control command by the method of the present invention while being stored in the storage means of each computer.

  The storage means may be a computer-readable recording medium. Examples of the storage medium include ROM, RAM, CD-ROM, DVD, magnetic tape, magnetic disk, floppy disk, optical data storage, ) Also includes the installation of programs in the form of automatic transmission over the Internet to the computers involved. In addition, the computer program may be stored and executed in a computer-readable code form in a distributed manner on a plurality of computer devices connected to the network.

  The numerical values and examples used in the drawings and the embodiments of the present invention are examples for explaining the technique of the present invention, so that the practice of the present invention can be changed as much as possible. Accordingly, such a level change is naturally included in the present invention.

1. Definition of Terms

(1) High risk business: As a high-risk business that can become a low-risk business by attracting low-risk investment through the use of the present invention, the risk of investment loss such as book publishing, film production, development of new technology, commercialization of new technology, This is a high business. Therefore, the present invention is available to all businesses and all companies. The individual or organization that conducts such high risk business is called high risk enterprise (500).

(2) Unprofitable assets: Consumer tangible intangibles that do not generate extraordinary income in the past and are offered and valued at an economic value that is much lower than the potential value. However, in the present invention, low-risk investments are invested as core financial assets that generate low risk (or risk-free) high returns in entrepreneurship, M & A and management.

  In the case of non-beneficial assets, for example, the margin of time for a consumer, the choice of a trading company (including a financial institution) (consumer sovereignty), public mobilization power, political economic and social power, purchasing funds All kinds of material physical, mental and emotional business assets such as order information, leader choice (national sovereignty), technology, small cash, card company points, dreams, support, interest, knowledge, talents and ideas. The purchase of goods includes the purchase of goods which the direct inventor sells or mediates the sale of the inventions in order to contribute to the financing of the low-risk investment business including the prepaid purchase.

(4) Low-risk investment: Investing in non-profitable assets into companies as financial capital. This includes active activities that benefit the company, such as small penalties such as discomfort, waiting, and the provision of knowledge of support interests, even if there is no financial loss. The book "Consumer's World Management", which is the book of the applicant, is also referred to as "non-profit investment" or "investment consumption". Also, it may include the risk of a small loss due to the purchase of the product, such as pre-paid reservation purchase before the development of the product through purchase of the gift certificate, or the initial product of the startup. The reason for this is that purchasing such risky products is an investment because it is a risk of loss. Thus, a low-risk investment requires considerable expertise in the subject of investment and a significant investment in time for information gathering and analysis.

(5) Low risk investment business: A business with low risk investment.

(6) Low risk investors: Individuals or organizations that make low risk investments. Low-risk investors are generally individuals or organizations that will purchase large quantities of goods supplied by investment business professionals, early adopters (new product early users), angel investors, venture capital firms, low-risk investment businesses (government agencies, A library, or a rental shop for goods). The role of low-risk investors in high-risk investment projects, like the role of the Forerunner in the war, plays an important role in the success of the business. As a result, investors receive preferential treatment for dividends and employment.

(7) Low-risk investment fund: An investment fund product in which non-profit assets are invested. In the book <The management of the world of consumers>, the consumer is called an investment fund to be a capitalist, and the kinds of non- And may be configured by items selected by the high-risk provider 500 from the selectable items provided by the low-risk investment fund registration module 310 of the server 300. A more detailed example of this is provided in Fig. The introduction and sale of the registered low-risk investment fund may be carried out directly by the server 300 of the invention inventors or by using an existing financing product (deposit, insurance, fund, CMA, etc.) It can also be done through the work sharing of both parties.

(8) Financial instruments for supporting high-risk investment projects: deposits, insurance, annuities, and CMAs sold to consumers on the condition that a part of the sales is supported in the form of loans or bonds in the high- And financial instruments whose principal and interest are guaranteed. For all low-risk investors, this means that lending is a risk to the financial institution's losses, but loan funds are funded by low-risk investors. Therefore, in the present invention, the consumer who purchases the financial product receives the business profit. The book "Consumer's World Management" is said to be "financial products that make consumers become capitalists" because consumers are entitled to dividends even if they deposit money.

  Financial companies can introduce and sell low-risk investment funds through the sale of these financial instruments. Thus, when compared to a logistics system, the financial product performs a truck function of transferring business resources such as funds, talents, publicity, technology, and orders necessary for carrying out the business model and the business model between the producer and the consumer.

2. Point of the present invention

  From the viewpoint of novelty, inventive step, and industrial applicability, which are the three main requirements of the patent, the technical problem that the present invention should first seek as an advantage of the conventional capital market is that all the consumers participating in the investment have a small cost and a small loss risk It is the development of investment technology that can secure a large capital income (investment income) even if it is borne only.

  To this end, the present invention assists the financing of the company, the production of goods, the sale of goods, and the promotion of the business from the viewpoint of investment when the consumer purchases the company's products, so that the company using the present invention And make it possible for consumers to share their business interests.

  More specifically, the present invention is based on the assumption that high risk operators 500 using the present invention in various ways of low risk investment, including large ordering of a number of expert-focused low risk investors 400 in the investment business, (400), high risk enterprise (500), general consumer (100), and inventor (301) by making it possible to run the company under favorable conditions Democratic capital market system.

  The mechanisms for this are as follows: ① After analyzing the feasibility and feasibility of the project and the risk of investment loss based on the contents of the low-risk investment fund provided by the experts in the business field by the high risk enterprise, And invests a small amount of money if necessary, in accordance with the low-risk investment method required by low-risk investment funds, such as introducing the business to relatives. The capital procurement stage, which solves the problem of the company's gold coinage and sales and consumer awareness (consumer credit) → → ② The high risk company (500) is a low risk investor (400) The consumer market (commodity market) including the service provider server 300 is provided with real goods that are highly competitive in terms of price and consumer awareness. (3) The general consumers (100) purchase a large quantity of the real goods of the present invention supplied at the commodity supply stage due to the price competitiveness and recommendation of the low risk investors (400) (4) a business profit distribution step in which the provider server (300) distributes the profit of the investment business to the low-risk investor, the inventor of the present invention and the high-risk enterprise; .

  Consumers are low-risk investors and general consumers, depending on the ownership of their expertise in each investment business, their investment holdings, and their willingness to take risks.

  Low-risk investors' low-risk investments in the capital procurement phase include direct participation in the promotion team of high-risk businesses or providing expertise as well as business promotion and purchase of products to general consumers including relatives.

  Through the above mechanism, the high-risk company 500 solves the problems of high-risk business, such as financing, publicity, and product sales through attracting low-risk investors 400, and low-risk investors 400 Through low risk investment of the method, the high risk carrier 500 and the carrier server 300 can completely eliminate the low risk by helping the company to manage the business in terms of funding, sales, publicity, etc. . This leads to a democratic capital market system for high-risk businesses that benefit both high-risk operators, low-risk investors, consumers and inventors. In the case of general consumers, the same product can be directly purchased at a lower price than the conventional technology owing to the cost reduction due to the present invention, and indirectly, since the start-up is more active than in the conventional technology, Profit.

3. Function of each component of the inventive system

  Figure 1 is a comparison of the mechanisms, features and advantages between the existing capital markets and the bridges provided by the democratic capital market of the present invention in a risky investment project.

  The capital market functions as a bridge that easily crosses the existing sea between the business model and the market by spreading the necessary funds for the success of the venture business, such as start-up / M & A, risk and investment risk.

  The bridge provided by the existing capital market for the risky investment business is a stepping stone bridge composed of three kinds of small ships called "Angel investment → Venture capital investment → IPO" which allows only the money capital to be invested in the enterprise. In order to be able to use this stepping stone bridge, it is necessary to invest a lot of money and time, so that only a part of the risk investment business can be utilized. Even if it is used, the management resources to be concentrated are confined to the money capital, The success rate of the business is low due to the vicious circle effect caused by the separation of investors and consumers by participating in investment.

  On the other hand, the low-risk investment fund, which is a bridge provided by this democratic capital market, is an iron bridge that allows automobiles and people to easily travel. It is not only money capital but also consumer purchasing funds, conditional deposits, knowledge, M & A, new business, new technology development and management with financial capital together with intangible assets such as small inconvenience, small loss risk, consumer sovereignty (trading company option), national sovereignty , Allowing consumers to participate in high-risk investment projects with low or no risk.

  Even if only these risk-free assets of the consumer group are invested through this democratic capital market, the business resources such as funds, sales, customers, talents, technology, cooperation companies and publicity necessary for the success of the high risk investment business, , Economic community holding companies, holding companies' subsidiaries, government agencies, political circles, the press, academia, other companies, financial companies, and talents, this democratic capital market allows companies and consumers to win together.

  The reason for this is that in the first stage, a small number of global consumers lead a low-risk investment fund to support high-risk investment projects at a low risk, in order to receive preferential treatment such as stock dividend, employment and reputation due to the success of high- After purchasing (or investing in leads), if you promote the benefits of high-risk products to a large number of consumers,

  In the second stage, when a large number of consumers purchase products produced by high-risk businesses with no risk,

  As a third step, this minority and many of the partnerships will immediately become an integral part of the economic community holding company, holding company subsidiaries, government agencies, political circles, media, academia, large corporations, gift shopping companies, banks, securities companies, insurance companies, It is the pressure to cause business participation and business support at the level of survival of all large private and public organizations in the world.

  This is because the foundation of all the large private public organizations in the world is consumers as citizens, and more than 50% of the national consumers or global consumers are in themselves the best decision of virtually all large private and public organizations.

  Thus, due to this democratic capital market, a large number of general consumers and large public private organizations themselves are investment platforms that allow a small number of low-risk investments in high-risk investment projects to be risk-free.

  (1) purchase of financial instruments (deposits, insurance, funds, CMA, etc.), (2) purchase of a guaranteed interest-bearing financial instrument, (2) purchase of a real product to be produced by a high-risk business Purchase pre-paid group purchase, ③ Purchase shopping group gift certificate group to support company's gold tender and sales support, ④ Accept reservation purchase product for rental for a certain period, ⑤ Accept reservation purchase product for sale for a certain period of time, (7) automatic purchase of company homepage membership with reservation purchase information; Low-risk investors' low-risk investment items are all funds and information investments and can be collected through the sale of low-risk investment funds as in existing deposits, insurance, and funds,

  In order to carry out the present invention at an early stage, it is necessary to use a sales system of a financial product (deposit, insurance, pension, CMA or fund, etc.) (Such as deposits, insurance, pensions, CMAs, or funds), the funds and information related to the remaining components of the above low-risk investment funds should be bundled together at the same time .

  In this case, introduction of the high-risk business and introduction of the low-risk investment fund is performed by the server 300 of the invention inventor and sales of the low-risk investment fund are performed by the financial company, Or sold separately on-line / off-line or linked to the introduction information of the low-risk investment fund of the inventor company server 300 on-line, and then provided with sales information to the inventive company server 300 You may.

  For cooperation between a small number of low-risk investors and a large number of consumers, the two forces must be in a win-win relationship and a joint win-win relationship. It becomes a shareholder of one democratic economic community holding company at both the world level and the national level.

  The secret to realizing this at its simplest and most inexpensive point is that both parties must, at the first stage of the present invention, purchase the financial assets of the above-mentioned low risk investment fund, In order to purchase pre-paid reservation book for the book ② of the component ② and to carry out the above component ⑦, a democratic economic community holding company, which owns the copyright of the book, The user of the inventor company server (300), which is operated by the user, automatically subscribes to the membership portal site of the consumer community at the national level. The consumer community portal (www.FrendCity.com) then invests consumer choice information on the remaining low-risk investment fund components. Then, world-class and national-level economic community holding companies will pay 30% or more for each holding company free of charge for the establishment of holding company as compensation for low-risk investment of consumers.

  As a reward for purchasing low risk investment funds for supporting high risk business models of consumers, stock dividends will be unified into one stock of economic community holding companies that ordinary consumers hold like money. As a result, companies that are born through investment will become subsidiaries of the same economic community holding company as shown in Fig. 2, and low-risk investors and general consumers will be in a mutually beneficial relationship as a legal consumer solidarity. This is because the prices of stocks held by ordinary consumers are rising, and all consumers can participate in low-risk investments according to their knowledge of each high-risk business model.

  FIG. 2 shows a list of companies that are established and m & eed through the democratic capital market of the present invention in which mutual winnings and joint winnings of all consumers (low-risk investors and general consumers) Is the governance structure model between the two. As can be seen from FIG. 2, the democratic economic community holding company established based on the sale of the book <Consumer's World Management> using the low-risk investment fund sold for the first time in the democratic capital market of the present invention and the controlling shareholder The Consumer Alliance will function as an investment platform that ensures the success of all high-risk business models commercialized through democratic capital markets, allowing entrepreneurs, low-risk investors, and consumers to jointly win on a mechanism level.

  This win-win mechanism consists of ① pre-paid book purchase of the book "Consumer's World Management", and all the consumers of the world become shareholders of the same democratic economic community holding company → ② introduction of high risk business model + consumers purchase low risk investment fund + low risk investment ③ Under the open business model, the company is founded or the M & A and the sale of goods by the open innovation. ④ The general model of the public and private organizations is the business model. Purchase of goods to be sold → ⑤ Dividends of business profit to low risk investors by stock or cash of the same holding company → ⑥ Increase of stock price of community holding company which ordinary consumers have already own; .

  In addition, if a business with a high investment risk increases the number of sales of low-risk investment funds for the same business model and increases the number of investors recruited for each number of times, the number of low-risk investors will bring together the great political, economic and social forces, Can be easily controlled. However, in this case, as the period of low-risk investment is delayed so that high-risk high returns, the compensation for investment is reduced.

   The book, "The World of Consumer Management", covers the ideal society design, the Constitution of all nations, the open innovation platform for constructing ideal society, the world's cooperative investment platform, the consumer's world management manual, the consumer's one financial company management manual and consumer economics textbooks , At least 50% of the world's consumers read the book directly or through storytelling to understand the vision, purpose, and feasibility of the ideal social construction project, even if the contents of the book manuscript are excellent, The book should be voluntarily involved in the business with the cooperation investment manual. It is for this purpose to pre-book large-scale book sales to the world consumers through the low-risk investment fund of the present invention.

  In this case, consumers purchasing books through the low-risk investment fund of the present invention will be able to successfully publish books for this purpose and procure the management resources necessary for the commercialization of book contents. As a result, you will receive a large reward.

  Therefore, in order to compensate for the purchasing of books, in order to publish book <Consumer's World Management> through the worldwide sale of the low-risk investment fund of the present invention and to commercialize the contents of the book in connection with the stock gratuitous dividend of the economic community holding company, (USA), the world's largest commercial bank (Citibank), the world's largest investment bank (Goldman Sachs), the world's largest consumer banking site (Facebook) It will integrate the functions of the world's largest IPO, the national sovereignty tool (referendum on the capitalist revolution), the aggregation tool of the political, economic and social forces of consumers (central government) and the consumer wealth management company (central bank).

  Therefore, the combination of the publication of the book "Consumer's World Management", which is a high-risk business model, and the sale of low-risk investment funds of this invention and the establishment of an economic community holding company, The world's political and economic societies are immediately remodeled into practical democratic systems, making them the tools and tools of the world's and nations 'management tools and consumers' political, economic and social forces.

  Thus, a financial institution's existing deposit sales system or fund sale system can be used to sell a low-risk investment fund using the democratic capital market technology of the present invention, thereby providing information, information, purchase funds, interest, deposits, , And public opinion, as well as trucks delivering between consumer and high risk investment projects in packages of intangible assets and unprofitable assets.

  For this reason, start-up stocks of economic community holding companies, which are paid for purchasing books, will be traded at a high price immediately after dividends due to future value. So consumers are interested in all the high-risk business models in which democratic capital markets are commercialized, actively buying low-risk investments and selling products. This further raises the price of the stock held by the virtuous cycle effect.

  The key to purchasing through low-risk investment funds, in order for consumers to participate in low-risk investments in high-risk investments, is the license for intellectual property, not end-products. By investing in non-profitable assets in this license, consumers are entrusted with the production of the best finished goods by aggregating political, economic and social forces and receive business income from stocks, cash and jobs. So this democratic capital market is a global conveyor system for commercialization of business model (especially high risk business model).

 The success of a firm is largely dependent on how quickly it establishes a bridge between entrepreneurs and market participants (including the global market) that can freely travel between the existing capital market, the credit market and the real market The creative destructive power of the political market is that high-risk business models can be successfully commercialized using iron bridges. Thus, a business model that uses democratic capital markets dominates the world market soon in terms of mechanisms.

  FIG. 3 is a model and operation diagram of a capital market system for the Internet-based high-risk business of the present invention.

  Referring to FIG. 3, in order to implement the present invention, first, a hardware-based inventive system is constructed by connecting the computers of the business participants and the financial network computers 600 described below to the Internet, (CPU) of the provider server 300 processes the information relating to the computers of the business participants and settlement described below based on the execution sequence of the computer program for executing the method of the present invention stored in the storage means of the business server 300 By controlling the hardware system of the present invention so that the financial network computers 600 transmit and receive information necessary for commerce transactions among each other, the object of the present invention is realized and the expected effect is obtained.

  The forms of the general consumer computer 100, the business computer 200, the inventive business server 300, the low risk investor computer 400, the inventive business terminal 301 and the high risk business computer 500 are not limited to the Internet Connected, server computers, desktop computers, mobile computers, smart phones, and the like.

  Except for the provider server 300, the same computer can be used by a general consumer, a low-risk investor, a business site, a high-risk investor, and the inventor of the present invention for each function. Accordingly, the description of the computers below is a description of the functions of the system configuration participants of the present invention.

  Consumer Computer (100)

  A function of registering information necessary for system operation such as identification information of a consumer, a contact, and an area of interest in the provider server 300 and transmitting and receiving information according to the provider server 300 with electronic commerce Mainly performed. Because the present invention allows all consumers to make risk-free, high-yield investments, any consumer can be a low-risk investor (400).

  Workplace computers (200)

  The electronic commerce means of a business site that sells goods or rents goods includes information necessary for operating the system of the present invention such as company identification information and contacts in the business server 300 and physical and financial products registered in the business server 300, Risk investment funds to the provider server 300 through the off-line commercial transactions, and to return information on the return of the loan items to the low-risk investment fund.

   A workplace can be any type of store or store that sells or rents merchandise, and can be a church, a workplace, a public institution, a bank, or a convenience store, as well as a library or specialty book store. In the case of a financial product including the low-risk investment fund of the present invention, it may be a branch of a bank, an insurance company, or a securities company.

  The provider server (300)

  As the entire control server of the system of the present invention, information of users of the system of the present invention is stored using the modules and DBs described in FIG. 4, and low-risk investment fund information to be sold to consumers is registered from the high- And receives and stores the payment settlement information according to the commerce through the financial network computer 600 and stores the low risk investment performance information of the low risk investors in the low risk investment DB 393 for each low risk investor Provides information on the funds collected through attracting low-risk investment to the high-risk company 500 and sales information on sales or rental of the low-risk investment fund and the real product, and if there is a loan in the business site 200, And information related to the delivery of the collected rental items to the low-risk investor (400) is transmitted to the business site (200) and the low-risk investor (400) (500) to the low-risk investor (400), inventor (301) and high-risk enterprise (500) according to the business profit distribution standard entered at the time of registration of the low-risk investment fund by the high- It is the function of dividing in the form. The sales information may also be provided to the low-risk investor (400). The provider server 300 may be a server of a financial company, an electronic commerce company, or a portal site company.

  The inventive business entity terminal (301)

  As the management means of the system of the present invention including the inventive company server 300, information required for management of the inventive system such as identification information and authority information of the inventor of the present invention is registered in the provider server 300, And mainly transmits and receives information according to the management of the system of the present invention. And is also used to temporarily process the electronic commerce transactions of all users using the system of the present invention, if necessary.

  Low Risk Investor Computer (400)

  As the electronic commerce means for low-risk investment by a consumer, information necessary for operating the present invention system such as identification information of the consumer, contact information and specialty field is registered in the provider server 300, And mainly performs a function of transmitting and receiving information.

  Low-risk investments can easily be risk-free and the most important factor in participating in low-risk investments is knowledge of each high-risk investment project, not money and risk, so all consumers will be low risk investors (400) . Thus allowing the consumer computer 100 to perform the functions of the low risk investor computer 400. [

  High risk enterprise computer (500)

  As the investment inducement and electronic commerce means of a company intending to conduct a high risk business through the system of the present invention, information necessary for operating the present invention system and low risk investment fund information such as identification information and contact information of a business operator are registered in the provider server 300, And a function of transmitting and receiving information according to the investment business with the server 300.

  4 are S / W modules and databases that must be additionally installed in addition to the components of the existing electronic commerce server for the implementation of the present invention by the provider server 300 shown in FIG. 3, The related arts disclosed in the background invention of the present invention described above and the related modules and databases in the general electronic commerce system are only slightly modified, so a detailed description of the technical configuration will be omitted.

The system user registration module 310 obtains the ID, the name, and the ID of each user from the general consumer 100, the low-risk investor 400, the business site 200, the high-risk business operator 500, Contacts, fields of expertise, fields of interest investment, and stores and manages user information in the system user DB 391. Particularly, when the high risk enterprise registers the low risk investment fund, the service provider server 300 can be used for the low risk investment guidance to the concerned consumers by the special sector or the interest investment sector.

The low-risk investment fund registration module 320 includes a template web page for registering a low-risk investment fund and receives information necessary for registering a low-risk investment fund from the high-risk provider 500 through the low-risk investment fund registration module 320 , And performs the function of storing and managing the data. A further description of this is provided in FIG.

The low risk investment module 330 receives the low risk investment information of the low risk investor 400 and stores the low risk investment information in the low risk investment DB 393 and provides the low risk investor 400 and the high risk enterprise 500 with the low risk investment information.

The physical product registration module 340 includes a template web page for physical product registration (not shown since it is generally used and known), and receives information necessary for physical product registration from the high-risk company 500 through the web page And stores and manages it in the DB 394.

The physical merchandising module 350 receives the physical merchandise purchase information of the general consumer 100 and stores the information in the physical merchandise sales database 395 and provides the information to the general consumer 100 and the high-risk provider 500. If necessary, it can be provided to low-risk investors (400).

The business profit dividend module 360 calculates the profit contribution statement of the investment business classified by the external accounting expert and the business profit contribution result of the low risk investor 400 stored in the low risk investment DB 393 and the business profit contribution result of the low risk investment fund DB 392 , The present invention business entity 301 and the high risk business entity 500 according to the investment business-specific compensation standard as shown in FIG. 6 stored in the business profit distribution database 396, And then provides it to the low-risk investor 100, the inventor of the present invention 301 and the high-risk enterprise 500. [

  However, according to the embodiment, after all the calculation based on the dividend according to the investment projects is inputted by the external accounting expert, the business profit dividend module 360 inputs information to the business profit dividend DB 396 through the business profit dividend module 360 Only the functions provided to the low-risk investor 100, the inventor of the present invention 301 and the high-risk enterprise 500 may be performed.

  FIG. 5 is an example of a web page for registering a low-risk investment fund for building a low-risk investment fund DB 394 of FIG. 4, wherein the input information includes information on a book on which the copyright of Lee Jong- (400) to attract low-risk investments and to commercialize the contents of the book.

This web page is displayed on the Internet capital market homepage provided by the provider server 300 such as www.FrendCity.com by the high risk enterprise 500. When the user clicks the operation menu called &quot; low risk investment fund registration &quot; The fund registration module 320 may provide a web page for registering a low-risk investment fund stored in a template for each type of high-risk business, and then the high-risk provider 500 may input information related thereto.

  The type of high-risk business can be classified into three categories as follows: 1) productive goods business and free content providing business, 2) type consumer goods business, and 3) intangible consumer goods business. Accordingly, low risk investment funds for individual high-risk businesses The low-risk investment items for the present invention may be determined by the inventor (301) by referring to the following example of the configuration of the low-risk investment fund according to the following high risk business type. Therefore, when implementing the present invention, the low-risk investment item may be increased or decreased based on the low-risk investment item illustrated in FIG. 5 according to the contents of the high-risk business.

  Since the technology for manufacturing the low-risk investment fund registration module 320 requires a slight modification to the related art disclosed in the background invention of the present invention described above and the commodity registration module of the generally widely used electronic commerce system, The explanation is unnecessary. Therefore, the present invention briefly describes only the essential matters.

① Examples of low-risk investment funds for free business such as steel, semiconductors, and forklifts , and free content such as portal sites : Business plan + business revenue distribution standard + financial product group purchase for high risk investment business support + funding support B2C company's products (including gift certificates) Purchase + small amount of funds + intangible assets such as interest, promotion of business to relatives (including product recommendation) + use of purchased goods as sales products for a certain period (ie subordinated delivery) And for a certain period of rental product use agreement + buyer information company homepage member automatic acceptance agreement

② Example of low-risk investment fund for TV, mobile phone , toy, automobile, book, etc. business plan + business profit distribution standard + financial product for high risk investment business group purchase + group prepaid purchase + small amount fund + Promotion of intangible assets such as information and interest + Promoting business to relatives (including product recommendation) + Using the purchased product as a sale item for a certain period of time (ie subordinate delivery) Sign-up agreement

③ Examples of low-risk investment funds for services such as movies, theater, travel, education and intangible consumer goods business: Business plan + business profit distribution standard + financial product group for high risk investment business support group + group pre-purchase + small amount of funds to be produced + Intangible assets such as information and interest + Promote business to relatives (including product recommendation) + Automatically sign up for company homepage membership with buyer information

  "I agree to use the purchased product for a certain period of time as a sales product" means that I agree not to deliver the paid product immediately, but to use it as a sale product for general consumers and for promoting the business for a certain period of time. This is a risky investment because low-risk investors (400) lend interest-free business funds to high-risk providers (500) as long as the delay in delivery. So it is natural to get dividends on business profit. This also applies to the "purchase agreement" for a certain period of rental use.

A low-risk investment fund is called a low-risk investment fund, but as can be seen in FIG. 7, it is virtually risk-free investment fund. The reason is that,

  First, it is possible to participate in high-risk investment projects dominated by high-risk, high-profit, low-risk, low-risk investments. As a result of the large profit, the large number of consumers participate in low-risk investments. As a result, As a result, the risk of loss is reduced and the success rate of investment is increased.

  Secondly, low-risk investors who are low-risk investors are required to purchase a deposit group for high-risk investment business support provided by the present invention system, agree to use the purchased product as a sale product and rental product, It is possible to greatly reduce the investment loss risk hedge function of various methods such as automatic membership subscription,

  Third, the shares of the inventive business company (301), which intermediates the sale of low-risk investment funds, as well as the profit share of business that directly invested dividends on low-risk investments, or the shares of third-party economic community holding companies This is because the insurance effect and the monetary effect (ease of sale) cause the loss risk to be much lower than the dividend payment of the individual company as in the existing stock investment,

  Fourth, since the break-even point has already been exceeded through the low-risk investment, the general consumer can sell the product at a lower price than the competitor, so the market can be controlled easily. As a result, the risk of small losses is completely eliminated.

  The monetary effect refers to the phenomenon that the sale (liquidity) of a holding company is similar to that of money because of its relatively high creditworthiness, stability, and asset value due to its large shareholding (ie, universality). On the other hand, since the stocks of the start-up companies created by the present invention are stocks of the start-up companies, the types are very large, and the ownership is not generalized, rather than holding stocks of the holding companies, Because of the high cost, low creditworthiness and low stability, the selling price in the market is very low at first even for a company with high potential. Therefore, it is absolutely advantageous for low-risk investors to hold shares of the inventive business company (301) or stocks of a democratic economic community holding company such as a world-wide and national-level consumer community.

3. Operation of the inventive system

  3, the method of operating the capital market system for the Internet-

  A system use registration step in which a provider server 300 registers and stores system user information from a general consumer 100, a business site 200, an inventor 301, a low risk investor 400 and a high risk enterprise 500 ;

  Actual user registration is performed by using a single registration module and a user information database, such as a widely used method in the known technology, by inputting the main use of the system, and by giving an identification code for main use based on this, It is preferable that the CPU of the computer divides the user.

  Another person may be a general consumer, a low risk investor, a high risk enterprise, a business place, and the inventor of the present invention, depending on the investment business, as in the use of a computer.

  The high-risk business operator (500) will be able to secure the loss risk and profit opportunities due to problems such as financing, business promotion, product recognition, human resources, Risk investment fund registration module 320 by using the low-risk investment fund registration module 320 provided by the provider server 300 by accessing the provider server 300 through the Internet in order to easily achieve business success by sharing the low- Risk investment fund registration step (1 in Fig. 3) for registering in the low-risk investment fund 300;

  The registration of the low-risk investment fund may be performed by the inventor (301) on behalf of the high-risk enterprise (500).

  As shown in FIG. 5, the low-risk investment fund registration module includes an area in which a high-risk business 500 inputs contents to introduce a high-risk business;

  A low-risk investment fund consisting of a low-risk investment item area that inputs information contributing to the success of a high-risk business, such as the low-risk investment item from (1) to (10) It is a s / w module for registration.

  In addition, financial products and real goods to be sold to the low-risk investor (400) may be determined from a list of sales goods provided by the provider server (300). In this case, the high-risk provider (500) only needs to select from the list. In addition, the physical commodity may be a voucher which is the exchange right of the physical commodity instead of the real commodity.

  A low-risk investment fund introduction step in which a provider server 300 introduces a low-risk investment fund registered to the consumers 100 and 400 via the Internet;

  It is also possible to establish an offline store if necessary for the introduction and sale (attracting investment) of low-risk investment funds. In this case, the introduction tool of the product sold by the investment company invested by the low-risk investment fund includes not only the prototype but also the business plan as shown in FIG. 5 and the product of the partner company. This offline store may also be a business site 300.

  One or more of the consumers may use the low risk investment module 330 provided by the provider server 300 to participate in the low risk investment as a low risk investor 400 to make a low risk investment as determined by the low risk investment fund Risk investment stage (in FIG. 3 (b)) in which the provider server 300 stores the investment details in the low-risk investment DB 393, and then provides the low-risk investment information and the investment amount information to be paid to the high- ③);

  The low-risk investment may be performed using a financial system (deposit, insurance, fund, pension, CMA, etc.) sales system of a financial company as shown in FIG.

  A low-risk investment fund for two or more high-risk projects may also be co-marketed. In this case, the proceeds raised by the sale of low-risk investment funds are invested at a rate that is open to the companies previously disclosed in the business plan.

 In order to sell the real goods introduced by the high risk company 500 to the customers 100 and 400 introduced in the introduction of the low-risk investment fund, the real goods information registration module 340 provided by the provider server 300 is used to register the real goods information , A physical product registration step (5 in Fig. 3);

  The registration object includes tangible goods, service goods, digital contents goods and gift certificates.

  A physical merchandise sales stage (⑥ in FIG. 3) in which the vendor server 300 receives sales information or rental information of the real goods from the customers 100, 400 or the off-line business sites 200; The real goods sold here include service goods and rental goods. Consumers can be general consumers (100) and low-risk investors (400).

  When the low-risk investor 400 designates the low-risk investor 400 as a lent product for a certain period of time and the purchase price is paid for the tangible product, after the lapse of a certain period of time, (⑦ in FIG. 3), which provides information to the offline business place 200 and provides the low-risk investor 400 with information for collecting the goods to be collected; And

  The provider server 300 provides the low-risk investment fund and the sales information of the real product to the high-risk enterprise 500, and the business profit is distributed to the low-risk investor 400, (⑧ and ⑨ in Fig. 3), which are allocated to the high-risk enterprise (301) and the high-risk enterprise (500), respectively. The sales information can also be provided to the low-risk investor (400).

  In the low-risk investment stage, the low-risk investor 400 promotes the business invested by the general consumer 100 including the relatives and directly or indirectly cooperates with the business promotion team of the high-risk enterprise 500 3 ④);

  In the low-risk investment stage and the sales stage of the general merchandise, the consumer or the low-risk investor can perform all commerce transactions including purchase and payment and purchase of the purchase goods online or at a business site, The receipt of payment and purchase items may be made in a hybrid manner at the workplace.

  The low-risk investment step may include allowing the low-risk investor 400 who purchased the fund to register the evaluation article and the recommendation article about the purchased fund on the web page for introducing or selling the fund, The step of introducing the low-risk investment fund may include providing the registered fund evaluation article to the consumers 100 together with the introduction information of the fund.

  The method for providing the consumer 100 with the article of the low-risk investment fund and the evaluation of the fund at the introduction stage of the low-risk investment fund may include an initial screen provided when the user 100 logs in to the provider server 300, It may be to use a user-dedicated personal page (My Page). To this end, it is preferable that the system user registration step also registers interest information of the system user.

  The low-risk investment stage and the real product sold at the stage of selling the product may be the same or different. Since the low-risk investor (400) purchases the same commodity at a low risk investment stage, it purchases the low risk investor (400) in order to share the loss risk and profit opportunity with the high-risk company (500) The commodity to be sold becomes a real commodity since it is purchased by the general consumer 100 for a simple transaction.

  Table 2 shows an example of the high-risk business-to-business product lineup for attracting low-risk investment.

Number of low-risk investment attractions An example of the composition of purchase target products for low risk investment by high risk business New Technology Development Construction of the capital market system of the present invention Film production Semiconductor Company
M & A Shopping company
M & A 1 time Purchase of gift certificates for deposits + shopping companies (Amazon) for high-risk investment business support Deposits for high-risk investment business support + books Deposit for high-risk investment project support + Pre-paid reservation of movies to be produced Deposits for high-risk investment business support + M & A plan Deposit for high-risk investment business support + Purchase of gift certificates of shopping company to be acquired Episode 2 Pre-paid booking of consumer goods to be produced by new technology Buying a gift group of a shopping company

  As can be seen in Table 2, according to the characteristics of high-risk business, the products that consumers buy for low-risk investment are not only the deposits guaranteed by the principal and interest, the products produced or sold by the investment company, It may be a gift certificate. In this case, the deposits and the consumer goods or gift certificates of the partner company are used as a means of financing for the success of the high risk business and promoting the business. If necessary, low-risk investment projects, such as new technology development and semiconductor company M & A, may attract two or more low-risk investments. Also, the number of products purchased by consumers for low risk investment may vary.

  In particular, it is difficult to develop the new technology due to the difficulty of investment in the conventional technology due to the long period of possession of the technology in the development and commercialization of the technology. Long-lived investors can help finance their purchases by purchasing consumer goods (including gift certificates) from shopping companies (eg, Amazon) that have a partnership relationship with the inventors, which, unlike in the prior art, Not only investors but also nations can do business on a large scale, even if they do not bear the risk of investment loss, or if they are very small.

  Unlike consumption, investment is not purchasing present value but purchasing future value. This inevitably leads to a loss risk. So to succeed in an investment, you have to reduce the risk of loss. This is called risk hedging or risk management in economics. In the prior art, companies were almost entirely responsible for risk hedging. So, for a risky capital investor, the best risk hedge is to sell the company's stocks and bonds earlier than the others. This raises corporate financing costs and lowers creditworthiness, further increasing corporate risk of loss.

  In the present invention, as in the prior art, risk hedging is not led by a risky capital investor or a company, but consumers of an investment business hedge in various ways through low risk investment. In addition to the methods illustrated in FIG. 6 and Tables 2 and 3, this includes investment in time, investment in knowledge, investment in interest, sharing of business vision and business strategy.

  The registration period of the low-risk investment fund is generally faster than the registration time of the real product, but may be the same as a product coupon of a shopping company or a real product that can be sold immediately. In the same case, consumers can buy the same physical goods only for simple consumption, or they can purchase by investment (ie, investment type consumption) by participating in low risk investment. In this case, since most of the consumers choose to participate in the low-risk investment, the provider server 300 mediates a large amount of commodity sales, so that the inventor (301) or the high-risk provider (500) I have a great deal of negotiation power. This creates a virtuous cycle effect that low-risk investors get a large return on investment while purchasing products at low prices (at least the same as in the past). This is also true for consumer bank deposits.

The product information to be registered as a sale item in the low-risk investment fund registration step and the physical product registration step may be information on products that the inventor 301 has built for sale (or brokerage) the supplier server 300 may use the merchandise information constructed by the external cooperative shopping company, which is in cooperation with the inventive business company 301 such as www.amazon.com , for sales intermediation. This also applies to the sale of financial instruments with principal and interest, such as deposits, insurance, pensions, and CMAs.

  The form of the business profit allocated to the low-risk investor 400, the inventor 301 and the high-risk enterprise 500 in the business profit dividing step may be cash, high-risk business 500, (301) shares, or a stock of a third-party company.

  The business profit dividing mechanism can be performed by the low-risk investor 400 in the system user DB 391 or the low-risk investment DB 393 primarily by making various profit contribution (low-risk investment) 6, and secondly, after dividing the total amount of business profit by the total amount of earnings accumulated by low-risk investors (400) after a certain period of business start (for example, one year) For each investor (400), the business profit is allocated to cash or stock based on points.

  The dividend of the business profit can also devote a small fraction of the business profit to the general consumer 100 according to the profit contribution performance as in the prior art.

  The compensation for the cooperation of the low risk investor 400 with the business promotion team in the business cooperation stage can be compensated by the provider server 301 or the high risk enterprise 500 directly or by the provider server 500 based on the compensation information inputted by the high risk enterprise 500 300) may be substituted.

  The key difference between the present invention system and the existing e-commerce system is that,

  First, it is in the function of low risk investors (400) and in the function of low risk investment fund registration module (320).

  Second, as can be seen from FIGS. 5 and 6, various types of low-risk investments are made and rewards are provided for the success of a low risk consumer investment business. This type of low-risk investment fuses financial transactions and physical transactions into a single, mutually beneficial relationship for the success of high-risk businesses.

  In particular, the financial products, such as ② in Figure 5, which are sold on condition that a part of the sales income of the financial products is loaned to the high-risk business where the low-risk investment is performed by ① and ③ through ⑩ in Figure 5, Second, the financial companies make it very easy to dominate the deposit market and the loan market. Third, the low risk investment of the consumers is riskless. By making high-return investments, high-risk providers, financial companies, low-risk investors, and inventors of the present invention are made successful together.

  The real goods include the goods which are produced or sold by the company or the partner company and the voucher which is the exchange right of the goods. In this case, the compensation for purchasing and purchasing recommendation may be based on the voucher amount.

  Thus, low-risk investments and rewards in this manner converge so that financial products sales, sales of physical goods, loans, and dividends are mutually beneficial for jointly winning investment companies, financial companies and low-risk investors.

  If necessary, the change in the compensation method can be reasonably and simply changed based on the statistical survey in which each compensation factor contributes to the company profit. If the investment target is different, it can be used in all kinds of high-risk projects if only the compensation ratio varies slightly among the low-risk investment items according to the characteristics of the product or business.

  As a result of low risk investment and compensation, at least the real commodity market, the deposit market, the loan market, the capital market, and the production market are merged into one in a mutually beneficial way to enhance the return on investment of consumers. This leads to improved productivity, increased start-ups, increased income for consumers, easier employment for consumers, over-investment and over-production and financial instability.

   The low-risk investment in this way is more than the container in the logistics industry, the creative destructive power in contributing to the development of the financial industry and the real industry. The reward point for the purchase may not be the quantity but may be the same amount as the gift certificate.

4. Preferred Use Examples of the Present Invention

  If the physical commodity in the low risk investment stage is a prepaid reservation purchase commodity or a developing commodity, if the contracted commodity is not delivered on the contracted date in order to prevent the loss of the low risk investor 400 due to purchase of the commodity, To guarantee a refund from the designated bank. To do this, the bank may hold the purchase price until delivery.

  As shown in FIG. 6, the size of the dividend for the low-risk investors is different depending on the type of non-profitable assets to be invested and the type of investment. Generally, + Consent to purchase products for sale and rental products for a certain period of time, ② Purchase performance + Agreement to use purchased products as sales products and loan products for a certain period of time, ③ Purchase performance + Sales items for a certain period of time , And (4) purchase performance.

  The most important purpose of low-risk investment inducement of high risk enterprise (500) is establishment of foundation for dominating consumer market for general consumers. Therefore, if necessary, low risk investment fund registration stage, low risk investment fund introduction stage, Attracting low-risk investments through the investment phase can be repeated more than once for the same project. In this case, the main sales item may be changed at each iteration. This is because, in the case of the new technology, there is a need for repetitive financing, but even if there is a lot of money, it is very likely that defective products are generated due to trial and error, and selling such products to general consumers (100) This is because purchasing is a good thing for both low-risk investors (400) and businesses. Also, because low - risk investors are the owners of the company, the simple design and small inconveniences are the responsibility of investing for greater success.

  However, the greater the number of low-risk investments, the smaller the existing investor's stake. However, due to the risk of this loss of profit, low-risk investors reduce the number of low-risk investments and cooperate more for the early success of the business, allowing the low-risk investor and the business to win together. If the investor receives multiple low-risk investments in the same investment business, the share of profits that the low-risk investor after the second invests in is equal to the share of the first low-risk investor (400) The higher the number of investments, the less risky investors who invest in the late investment will be less and less likely to make a higher success rate. Therefore, in order to protect the interests of existing investors, the target of investment inducement can be primary low risk investors. These investment attraction and equity change mechanisms are the same as existing capital markets.

  The amount of production of tangible goods to be introduced through a low-risk investment fund is more common than the amount ordered by low-risk investors since it must be sold to ordinary consumers. The best management in corporate management is to produce and sell with no inventory or minimal inventory. For this purpose, as shown in FIG. 5, the present invention obtains the consent of the low-risk investor at a low-risk investment stage without using the low-risk investor to deliver the commodity to the low- . This is like a low-risk investor lending interest-free funds to the production of goods during the delivery delay. Low-risk investors, who can make low-risk investments in such a way that they can use these paid products as sales products for general consumers, are mainly purchasers such as corporations, government agencies and libraries. That is, when purchasing a product using the present invention, such a large-volume purchaser can use a single item for dual purpose of consumption and business use. This dual-purpose expenditure is called investment-type consumption in the book "Managing the world of consumers".

  A low-risk investor may make a product for which the seller agrees to use it as a sale item, after the designated period, at a pre-designated retailer. In this case, the designated retailer does not worry about the sales problem because the quantity of the designated product is already determined by the purchaser, and the sales business which gains the profit by the multiplication of the number of the stock rotation number by the quantity is obtained . In this case, designation of a retailer that sells designated products for sale may be made by low-risk investors. Then, low-risk investors who purchase large quantities of goods can contribute to the sale of relatives at no cost.

  It may further include a low-risk investment opinion survey to resolve the problem of returning the investment product's pre-paid purchase fund when the low-risk investment attraction is less than the target and the high-risk provider (500)

  The low-risk investment opinion stage is a stage 1 in which the inventor (301) or the high-risk enterprise (500) sets a low risk investment opinion period; When the consumer 100 makes a low-risk investment during the period of the investment recommendation, the investment information is registered only in the investment reservation state without settlement of the investment price; The present invention server (300), the inventor (301) or the high-risk enterprise (500) determine whether to conduct the low-risk investment business based on the low-risk investment attraction result during the low-risk investment opinion period; And a fourth step in which the customer 100 making the investment reservation makes payment of the investment amount during the low risk investment period.

  In order to ensure the accuracy of the low-risk investment opinion survey, it is desirable to allocate more business profits to low-risk investors (400) who participated in the opinion survey than to low-risk investors (400) who did not participate.

  In addition, the high-risk company 500 may go through a preliminary examination process to improve the reliability of the low-risk investment fund registered in the system of the present invention. The method for this is to utilize the investment intentions of the consumers registered in the system of the present invention, particularly those registered as low-risk investors, by the starch area. More specifically, in FIG. 5, a cyber investment market for a business performance evaluation and an investment intention investigation for a customer who has experienced low-risk investment in a business field input by a high-risk enterprise is separately provided in the inventive company server 300 , And only high risk businesses that are rated higher than a certain level and recommended by a certain number or more of low risk investors (400) with low risk investments are listed on the capital market of the present invention system. To do this, a rational and fair feasibility assessment method and investment intention survey method should be developed.

  In addition, it is possible to open an offline business (entrepreneur) briefing session for low-risk investors, as in the case of existing business briefings, and review business feasibility.

  In addition, the method of low-risk investment includes, for global consumers, the risk of low-risk investment, even if the risk is low, the delivery date of the purchased product or service is low, depending on the designation of the low- You can do it differently. Prepayments include partial prepayment.

  The advantage of this is that the purchasing of reservations can be done all at once, even though the actual use time of the specific product is different for each consumer, thereby greatly reducing the loss risk and production cost of the producer. This maximizes the economies of scale and allows producers and consumers to share more of the benefits. In this case, the earlier the delivery time is, the more the percentage of advance payment can be reduced or the profit dividend rate can be set higher.

  Also, products sold through low-risk investment funds may be sold to general consumers at a wholesale price to individuals or companies on the premise of resale within a certain period of time.

  Especially, in the case of books, movies, drama copyrights and products and services that have already been commercialized in foreign languages in foreign countries, the business model can be a business model to be listed on the democratic capital market if the license is imported and translated into its native language .

  FIG. 5 shows the construction and operation of a web page (S / W) for selecting and inputting low risk investment items of a low risk investor (400) and a low risk investment fund registration of a high risk enterprise (500) As an example, FIG. 6 illustrates an example in which the technique of the present invention is applied to the establishment of a democratic economic community holding company, which is a copyright holder for publishing a book &quot; Consumer's World Management &quot; This is an example of compensation criteria for contributing to business profit through low-risk investment by consumers. FIG. 7 is a matrix briefly explaining the loss risk, loss risk management method, and profit opportunity according to roles and roles performed by major members of the system of the present invention.

  Hereinafter, it is assumed that Lee Jung-il, who is the author of the book "The World of Management of the Consumer", which is the main character of the two examples in the above "Problem to be solved by the present invention", is a virtual high- 5 is a description of the functions and features of the present invention with reference to FIG. 5 as a hypothetical low-risk investor 400. FIG.

  (Reason for Lee Jong Il's use of the present invention as a high-risk businessman)

  Because traditional publishing systems are at the expense of the publisher's loss risk except for self-publishing, the evaluation of the book's business feasibility depends entirely on the evaluation of the publisher. Therefore, if the author is not a well-known person, it is difficult to get an opportunity to publish. Especially if the book is a social science book.

  Therefore, since Lee Jung Il has no capacity for publishing manuscripts and is anonymous, he could not publish his book in the conventional publishing system. However, since the present invention can easily obtain the publication opportunity, It was published according to the same plan as 5. The benefits that authors, publishers and consumers, including those involved in using the present invention, can achieve when compared with conventional publishing systems are as follows.

  First, because the publishing of the risk and profit of publishing is shared with a large number of consumers (mainly experts in the field of books), authors and publishers will have access to world-wide publishing opportunities at no extra cost. do.

  Second, consumers, especially experts in the field of books, even if books written by anonymous people are equal to or better than best sellers in the same field, purchasing book <Consumer's World Management> through low- It is much easier for publishing to succeed than in conventional publishing because it has a special reason to recommend the content of the book to friends and relatives. Therefore, as a specialist in the field of books, buying books alone makes a lot of money and owns many opportunities for success in employment and reputation.

  Third, whether or not the book is published depends on the judgment of the publisher and the reputation of the author.

  Fourth, rather than recruiting low-risk investors (400) for publishing books, low-risk investors (400) and customers (general consumers), which are already intellectuals and early adopters, (100) of the low-risk investors (400) who are pursuing their own interests can easily achieve sales targets exceeding the break-even point due to the oral marketing of the general consumers (100) It is more likely to earn more sales than in publishing, and the author's name will become more widely known, resulting in greater benefit for authors and publishers.

  Fifth, low-risk investors (400) can participate directly in the core areas of the publishing business, such as evaluation and upgrading of books and translation of foreign languages, rather than participating only in oral marketing of books as in the prior art. You can publish better books at a lower cost than in technology.

  Sixth, the democratic economic community holding company for the purpose of book authoring and not only the book publication but also the democratic economic community holding company for the corporation of the state has been successfully launched by the successful publication of the book manuscript, and the publishing profit and the future growth value Can be distributed to low-risk investors from the present to the stocks free of charge, so that there is more sales than when only books are published, and in addition, they can participate in the management of the holding company in which the authors will be founded.

(Reason and use of the present invention by Hong Gil Dong, a consumer and low-risk investor)

Hong Gil-dong, a professor of finance economics and a financial investment expert, read the published manuscript of the book, "The World of Consumer's Business", which was introduced at www.FrendCity.com (hereinafter referred to as the provider server)

  The author of this book is a writer who is not an economist but a Korean writer. I do not yet know the creative destructive power that this book will bring to the world in the future. However, as a financial economics professor and a financial investment specialist, This book was judged to be a book of creative destructive power that transformed the world capitalist system into a democratic capitalist system.

  In addition, the book "The World of Consumer Management" sells through the democratic capital market of the present invention as a low-risk investment fund. Consumers are required to invest in a democratic economic community holding a world- The future growth value of the company will be distributed from stock to stock.

  Also, the low-risk investor (400) can cooperate with the sales of the provider server (300) through recommendation to a relative as a consumer financial company and a cyber merchant, and can use the purchased book as a sale, rental and advertising medium, Both the investor 400, the inventor 301 and the high-risk provider 500 can easily win.

  In addition, Hong Gil-dong will judge the book, "The management of the world of consumers" is a book that easily changes the world into an ideal society. It is expected that more than a billion books will be sold globally as well as business plans, And will be sold as an e-book, so I was confident that I would make a lot of money when I invested in the first low-risk investment inducement period.

  Therefore, according to the order of the low-risk investment item in FIG. 5, Mr. Hong can input 50 books into the item "Enter the quantity of purchased books" of No. 1 and add 50 funds to the personal investment deposit account book of the bank designated by the provider server 300 . The purchase price is then automatically withdrawn from the deposit, as in the case of existing stock purchases and credit card use.

  Next, Hong Kil-dong chose to subscribe to a 500,000 won deposit at the "Purchase Deposits for High Risk Investment Support" item ②. This deposit gives the bank a higher capital income (investment income) because the bank loses all the risk of loss of a certain percentage of the sales and the consumer makes a loan to the high risk investment business that low-risk investment makes. The sale of this low-risk investment fund already has a lot of sales, so it can earn interest income steadily. So this deposit makes all the low-risk investors, banks, and high-risk operators (500) make big money.

  Therefore, this deposit is called "the deposit that makes the consumer become the capitalist" in the book "management of the world of the consumer". The amount of deposits may be equal for all consumers, or they may be offered options such as 500,000 won, 1 million won, and 1.5 million won, so that individuals can be selected and compensated differently.

  The implementation of the present invention may further include the purchase of short-term bonds in addition to the purchase of deposits for high-risk investment business support. This involves the consumer lending the production of goods within six months in the form of low risk investments. Specifically, in the form of the deposit purchase shown in FIG. 5, a certain amount of money for producing a commodity or selling money is borrowed in the form of a short-term buy-back. On the other hand, low-risk investors are compensated differently depending on the size of the bond purchase.

  Next, Hong Kil-dong chose to buy a group of 100,000 won gift certificate at the item "Purchase group of shopping company gift certificates" in ③. The purchase of the first gift certificate group by consumers at the global level and at the national level using the democratic capital market of the present invention enables the global and national commodity market (consumer market) to be transformed into a consumer-friendly economic community holding company To be dominated by the world's public and private organizations. Through this, the creative destructive power of the book <consumer's world management> and the existing system of the democratic capital market becomes widely known.

   A simple mechanism for purchasing this gift certificate group is that the low-risk investor 400 inputs the gift certificate group purchase reservation information in the low-risk investment item selection in FIG. 5, and the inventor (301) (400) purchases a gift voucher 100,000 won from the corresponding shopping company → The shopping company notifies the inventor (301) of the purchase history of the individual gift voucher to the inventor The inventor (301) may be comprised of a reward agreed with the low risk investor (400) according to the purchase history of the gift certificate. The criteria for choosing a shopping company in the auction system may be the business loan or the size of the holding company's purchase of bonds.

  Next, Hong Kil-dong selected 20 books out of the 50 books purchased in ① in the item "Accept the purchased books for sale" in ④, which is a book to be presented to the relatives in ⑦, and the high- And to use it for sale for one month to increase the number of books sold. This means that the delivery is delayed for one month. Accordingly, after one month, the company (301) of the invention inputs the name and address of the relatives and the quantity information to be delivered for each individual in order to deliver the book directly to the relatives.

  Next, Hong Kil-dong selected 29 out of the 50 books purchased in ① under item ⑤ of "Accepting Purchased Books for Rental" item,

It is intended to be distributed as a gift to students taking courses in economics lecture textbooks. So, I agreed to use the high-risk provider (500) for rental for 3 months to increase the business profit until I used 29 books except the one for self-use in the lecture. Accordingly, at the end of the rental period, the delivery company of the present invention (301) chose "Delivery to buyer" as a method of processing the collection book so as to be delivered to Hong Kil Dong. In the case of selecting &quot; gift to friends &apos;, &quot; 3 months later, the inventor (301) directly sends the book to the friend (student) Should be.

  Next, Hong Kil-dong can publish advertisements for 1 book for self use and 29 books for student use (student gift) out of the 50 books purchased in ① in the item of "Ad insertion in books purchased" in Item ⑥. ) Agreed to put some ads in the margin of the book for business income. The content of the advertisement may be decided by the buyer when the country or large corporation distributes the book in large quantity for promotion or education and distributes it free of charge.

  Next, in order to pay the loss risk hedge and the large business profit, the company server 300 inputs the contact information of the relatives in item (8) so that the server 300 sells a lot of books, so that the server server 300 automatically purchases the book . The reason is that when a friend purchases a book, the stock is paid in addition to the self-purchase as shown in FIG. 6 as compensation.

  Next, Hong Kil-dong chose to participate in the business promotion team by selecting item ⑨ to help the contents evaluation, contents upgrade and English translation of the book <consumer's world management> by utilizing the expert knowledge.

  Next, Hong Kil-dong, the inventor company server 300 operated by the economic community holding company that owns the copyright of the book and constructs the economic community using the buyer information in the item " I have agreed to join the member community portal (www.FrendCity.com) for membership automatically. As a reward for this, as shown in FIG. 1, ten stocks of the world economic community holding company and ten of the state economic community holding company will be distributed free of charge. Then, by joining this membership, the consumer community portal site is launched as the best internet site in the world and the country, and each community holding company becomes the best company in the world and the country, This is because the shares that have been paid out without dividends will be greatly increased, resulting in great profits.

  An additional description of the low risk investment item of the low risk investor of FIG. 5 is provided in FIG. The compensation standard of FIG. 6 can be applied to all kinds of tangible / intangible products by changing only a low risk investment item and numerical value according to the type of the first sales product.

  In the practice of the present invention, the low risk investment items of FIG. 5 and the consumer choices for each item can be made more or less. In addition, as in the case of existing fund sales, the consumer does not select each of the options of the low-risk investment items individually, but selects the high-risk provider 500 or the inventor company 301 in advance on behalf of the low-risk investors 400 By providing only the full amount and personal information, it is possible to simply purchase investment fund products.

  Table 3 is an example of the configuration of the low risk investment item of the low risk investor 400 according to the type of the high risk business for the production of the template web page for low risk investment fund registration of FIG. 5, May vary slightly depending on the product. In addition, low-risk investment items may increase or decrease depending on the choice of the inventor (301).

High risk
Types of business Low risk investors' low risk investment items Purchase of principal interest security financial products Own company
or
Consumer goods of partner companies
(Including gift certificates)
Prepay Purchase Relatives
Goods to
recommendation Sell your purchased product
Use Purchased
Use product for rental Purchased
Advertise in Products
insertion Automatically subscribe to your company's homepage with buyer's personal information Business participation B2B business and free contents business Applicable Applicable Applicable In kind
follow
Applicable In kind
follow
Applicable In kind
According to Applicable Applicable type
Consumer goods Applicable Applicable Applicable Applicable Applicable In kind
According to Applicable Applicable service
Goods and
Intangible goods Applicable Applicable Applicable In kind
follow
Applicable Non-harmful In kind
According to Applicable Applicable

  As for the consumer, when the low-risk investor (400) of the present invention is used as the capital goods (capital) in which the same consumer goods make money, consumption of wisdom increases the asset value and income.

  In addition, deposits are also deposited on the condition that the company is owned or owned by the bank and is borrowed as a bank account, thereby obtaining more capital income than a simple deposit or simple product purchase of the prior art without loss risk, It is very easy to make big money by participating in the commercialization of the present invention because the large deposit income is generated for almost no cost and the low risk investors are the shareholders and lend to companies that have stable sales.

  In the case of consumer goods, financial products and gift certificates except for goods or services to be produced by the high-risk investment project, the consumer purchases at least one purchase from the external companies specified before the low-risk investment is separated or integrated by the consumer goods, (Or cyber money) and then make a low-risk investment in a low-risk investment with one or more low-risk investments (pre-paid) purchases of goods or services to be produced by a high-risk investment. For this purpose, the consumer must purchase consumer goods, financial products and gift certificates from external companies designated by the inventor (301) several times as usual.

  The link between these three commodities (consumer goods, financial products and gift certificates) and the low risk investment funds can also be achieved by the server 300 of the present invention from low risk investors 400 at the time of sale of low risk investment funds Only the purchase reservation information is collected and selected. A company (301) of the present invention selects a company (consumer goods sales company, financial product sales company, and gift certificate sales company) to purchase the three products based on the reservation information, (400) to the low-risk investors (400) by notifying the selected companies to the Internet or the like. The low-risk investors (400) inform the buyers of the low-risk investors Purchase of three products → These companies inform the inventor (301) of purchase performance per low-risk investor (400) → The inventor (301) informs low-risk investors (400) It can be configured as a mechanism.

  Of course, when the three companies are already selected, the e-commerce servers of the companies and the provider server 300 of the present invention are interlinked so that the low-risk investors 400 can be online from the provider server 300 It is natural to be able to get these three products right away. The gift certificate may be issued by a bank or the like rather than a shopping company, or may be a form of cyber money such as a prepaid card.

  The present invention can be largely implemented in three forms as shown in Table 3. Accordingly, low-risk investment items selected by consumers can be largely composed of three types. The embodiments of Figures 5 and 6 can be applied in all three forms with only slight modifications if necessary. However, inserting advertisements into sales products can only be applied to document content items such as books.

  In the first embodiment, the present invention is applied to the establishment of a company for B2B business and free content providing business, such as the manufacture, sale and lease of steel, chemical, ship, heavy equipment and semiconductor, It is a technique used to attract low risk investors (400) to low-risk investments in solving financing problems.

  The second embodiment is a technology used by the present invention to attract low-risk investment of consumers in the manufacture, sale and rental of consumer goods such as books, electronic products, apartments, automobiles, mobile phones, etc., There are no restrictions on startups, M & A companies, or existing companies.

  In the case of books, the result of investment can be commercialization of book contents such as production, sale, loan, overseas sale, production of drama and movie, book <consumer's world management>. In the case of consumer goods such as mobile phones, investment results can be linked from domestic sales to overseas sales. So low-risk investments in these investments can be very cost-effective.

  The third embodiment of the present invention is to attract low-risk consumer investment and non-profit investment in the production and sale of service products and intangible products such as education, medical care, law, transportation, travel, movies, As a technology to be used, there are no restrictions on entrepreneurs, M & A companies, and existing companies that use this technology.

  Investments in education, film, drama, and content can be easily extended to foreign markets even if the business is subject to the principle of harvesting and the business starts in the domestic market. So low-risk investments in these businesses can be very cost-effective.

  The secret to easy promotion and success of the example of FIG. 5 is that the financial instruments (deposits, insurance, funds, pensions, etc.) of the financial institution (bank, insurance company, Financial products) sales system. This makes it easier for the high-risk provider 500, the inventor 301 and the financial institution (bank) to jointly win. This method can be largely implemented in three ways. Banks are preferred to global banks (or global financial firms) for early globalization of their businesses.

  The first way is for a financial company to sell all or a part of the sales objective of the first sales item (book) for resale to low risk investors in the future, such as a general securities wholesaler and an IPO, 5, through an online sales system or an off-line sales system that is held in a financial company in a financial company, as shown in FIG. 1, instead of the server 300 of the present invention, The low-risk investment items of the low-risk investment fund described in the item (2) of FIG. 5 are sold at the time of selling the financial product (deposit) for supporting the high-risk investment business, Risk investors 400, and the first sales item (book) is resold at a normal price sold by the inventor company server 300. [

  That is, the low-risk investment fund shown in FIG. 5 is sold by a financial company selling the financial product (deposit) No. 2 in FIG. 5 for supporting a high-risk investment business, as in the sale of an existing fund.

  As a result, consumers' trust in the system and book of the present invention is enhanced, and thus, a financial company (bank), a consumer community portal site as a server 300 of the present invention, an economic community holding company as a high risk company 500, And general consumption (100) are all easily and greatly benefited.

  As a result, the financial company not only gains profits from sales of books but also easily sells a large amount of its own financial products as a financial product (deposit) for supporting high-risk investment business in Fig.

  In this case, the economic community holding company, which is a high-risk company 500, agrees to use the physical product (book) purchased by the low-risk investors in item 5 of FIG. 5 as a rental product, After upgrading the content of the manuscripts in the book, we created print books by publishing advertisements of financial companies, and then distributed these books through low-risk investment funds, democratic capital markets and high-risk investment projects, , A consumer community portal site as a server 300 of the present invention server, an economic community holding company as a high-risk enterprise (500), and a consumer community portal company as a high-risk enterprise (500) as low cost free lending to consumers for the sale and promotion of a democratic economic community Risk investors 400 and general consumption 100 can all easily win.

  In the second method, the financial institution publishes the book "Consumer's World Management" and commercializes the contents of the book to secure the right to sell the financial products (deposits) for supporting the high risk investment business, The World Economic Community and the economic community in each country are fully lent to the economic community holding company which is the copyright owner and the high-risk enterprise (500) at the preparation stage of the business, Democratic capital market system (300) and economic community construction projects. The economic community holding company (500), which is a high-risk company (500), can easily publish world-level and nation-level economic communities,

  This is because many consumers (100) are participating in low-risk investments because the consumer (100) is automatically raised before the price of the national stock to be distributed free of charge as low-risk investment, The company (bank) secures a large and secure source of funds, but secures the sales channel for many financial products at no cost, which is very beneficial for both the receipt of funds and the credit. So the loan of the financial company becomes the loan for the self business (or the self realization).

  The third method is to sell a low-risk investment fund in cooperation with a provider server 300 of the present invention and a financial company. This mechanism is such that when a financial company sells a financial product (deposit) of (2) in FIG. 5, it also collects funds such as book pre-paid reservation purchase money in (1) and provides collected money and sales information to the provider server 300. 300 is composed of the remaining low-risk investment information from the low-risk investors 400, and the work order of the cooperative finance company and the provider server 300 may be changed.

  Therefore, if a financial company does not actively participate in the commercialization of the present invention from the beginning, it poses an immediate bank-run risk due to the actively participating financial company.

  The example of FIG. 5 and the embodiment of the present invention using a financial company can be applied to all kinds of high-risk investment projects through a slight modification based on this, not only for book sales.

  First, since the present invention fuses a capital market, a deposit market, a loan market, a start-up market, a publicity market, and a production market with a focus on purchasing goods from a consumer in a consumer market, Even with a high-risk business, low-risk investment funds alone are able to combine the political, economic, and social forces possessed by a large number of consumers into one for the success of an investment project and enable a large number of organic cooperation. After the transition to business, it will eventually become a risk-free investment project, and high-risk business operators, low-risk investors, general consumers, inventors and nations will jointly win. Thus, the most important factor in the construction and use of the system of the present invention is the composition of the low-risk investment fund (that is, the kind of investment-free asset and the investment method designation). Accordingly, the present invention can be applied to high-risk businesses such as book publishing, contents (movies, etc.) production, start-ups, development and commercialization of new or new technologies, promotion of large-scale businesses, It is used as the best tool for financing, business promotion, securing of talent, securing of cooperation enterprise, securing of customer, securing of sales necessary for successful promotion.

  Second, the best business promotion is the market launch of corporate products, such as the release of goods or services, rather than the media advertising, as can be seen in the publication of the book "Management of the World of Consumers". Thus, an important factor in the success of a start-up is to bring the product to market early in the short term, even if no profit is generated. However, people who do not have money, network, and reputation as in the present invention are difficult to fund, but it is also difficult to launch a product because of difficulty in securing human resources, securing a cooperative enterprise, securing a customer, and securing revenue. The present invention is best used as a starting tool because it easily solves the problem of launching a product by a startup company if the business model is good.

  Third, with the present invention, even if a high-risk business becomes a low-risk business or a risk-free business, large-scale investment and high technology are required, so that a large-scale business with a large risk of investment loss can be easily succeeded. Increasingly, a good number of jobs are created dramatically. It is therefore used as a tool for creating the best start-up, wealth and jobs.

  Fourth, because consumers can easily participate in low-risk or high-risk, high-income investment projects, all consumers get capital income like a pension and are used as the best means of wealth to make both individuals and countries easily wealthy.

  Fifth, since the present invention easily solves the problems of financing and sales and publicity of the enterprise, it functions as an incubator for corporation birth, growth, IPO and M & A, and an enterprise doctor for treating the enterprise disease.

Claims (18)

For e-commerce, a general consumer, a low-risk investor, a business entity, an inventor of the present invention, or a high-risk business operator who transmits and receives information necessary for e-commerce with this business server using a business server connected to the Internet and a computer connected to the Internet In a method for operating a capital market system for a high-risk business based on an electronic commerce system including the above, the consumer and the low-risk investor are both consumers,

A system user registration step in which a provider server registers and stores system user information from at least one of a general consumer, a low-risk investor, a business site, a high-risk business, and the present invention provider;
Registered as a low-risk investment fund provided by a provider server by accessing a provider server in order to facilitate the business by sharing the loss risk and profit opportunity of a high-risk business with a large number of consumers on behalf of a high risk enterprise or a high risk enterprise. Risk investment fund registration step of registering information of a low-risk investment fund in a provider server using the module 320;
A low-risk investment fund introduction stage that introduces consumers to low-risk investment funds registered with a provider server; And
Low-risk investment phase in which one or more of the consumers make a low-risk investment as determined by a low-risk investment fund on a provider's server to participate in that low-risk investment as a low-risk investor,
The low-risk investment fund registration module 320 includes an introduction area of a high-risk business in which a high-risk business operator inputs information on at least one of a business name, a business content, a business profit distribution, a sales item, In order to contribute to the success of the business, it is necessary to purchase financial products, purchase real goods, use the purchased real goods for a certain period of time, use the purchased real products for rental for a certain period, display advertisements on purchased real products, Information on one or more of the following: the name of the person to whom the gift is to be sent, the contact address of the person to whom the purchase of the good is to be recommended, the use of the buyer information in marketing, and participation in the high risk business propulsion team. S / w module for low-risk investment fund registration consisting of low-risk investment item area; A method of operating a democratic capital market system for Internet-based high-risk businesses.

The method according to claim 1,
Wherein the low-risk investment step includes providing investment information, wherein the provider server provides the low-risk investment information and the investment amount information to be paid to the high-risk enterprise. How to operate.

3. The method of claim 2,
A physical commodity registration step of registering real commodity information on a server server for selling a real commodity introduced by a high risk enterprise in a low risk investment fund introduction to a consumer;
A physical merchandise sales stage in which a business server receives sales information or rental information of a real product from a consumer; And
And a business profit distribution step in which the business server provides the business profit distribution information to the low risk investor, the inventor and the high risk enterprise.

4. The method according to claim 3, wherein the selling of the general merchandise comprises receiving information on sale or rental of the real merchandise from the business site by the server of the server. How to operate.

The method according to claim 4, wherein the type of business profit allocated to the low-risk investor, the inventor of the present invention and the high-risk enterprise in the business profit dividing step is cash, high stock company, parent company stock, A method of operating a democratic capital market system for Internet-based high-risk businesses, characterized by being one or more of the stocks of a third-party company.

The method as claimed in claim 4, wherein, when the real goods to be rented in the physical merchandise sale stage is a tangible merchandise designated as a lent product for a predetermined period by the low-risk investor, Providing a loan to a business site and providing rental item delivery information to a low-risk investor; A method for operating a democratic capital market system for Internet-based high-risk businesses.

The method according to any one of claims 3 to 6, wherein, in the dividing step of dividing the business profit,
Purchase of financial products, purchase of real goods, use of purchased real goods for sale for a certain period of time, agreement of using purchased real goods for rental for a certain period of time, agreement of advertising on purchased real goods, use of buyer information for marketing agreement, purchase Enter contact information of a relative who presents a real product, input contact information of a relative to recommend purchase of a real product; Based on the results of the contribution to the high-risk business by using one or more of the Internet-based high-risk projects for the operation of a democratic capital market system.

The method of any one of claims 1 to 6, wherein introducing a low-risk investment fund or attracting low-risk investment is performed by a financial product sales system of a financial company, the democratic capital for high- How to operate the market system.

The method according to claim 7 or 8, wherein the low-risk investment through the low-risk investment phase is attracted twice or more for the same business, and a method for operating a democratic capital market system for an Internet-based high-risk business.


For e-commerce, a general consumer, a low-risk investor, a business entity, an inventor of the present invention, or a high-risk business operator who transmits and receives information necessary for electronic commerce with this business server using a business server connected to the Internet and a computer connected to the Internet In a capital market system for a high risk business based on an electronic commerce system including the above, the consumer and the low risk investor are both consumers,

System user registration means for registering and storing system user information from at least one of a general consumer, a low-risk investor, a business site, a high risk enterprise, and an inventor of the present invention;
Registered as a low-risk investment fund provided by a provider server by accessing a provider server in order to facilitate the business by sharing the loss risk and profit opportunity of a high-risk business with a large number of consumers on behalf of a high risk enterprise or a high risk enterprise. Risk investment fund registration means for registering information of a low-risk investment fund on a provider server using the module 320;
A low-risk investment fund introduction tool that introduces consumers to a low-risk investment fund in which a provider server is registered; And
Low-risk investments, where one or more of the consumers make low-risk investments as determined by a low-risk investment fund on a provider's server to participate in low-risk investments as low-risk investors,
The low-risk investment fund registration module 320 includes an introduction area of a high-risk business in which a high-risk business operator enters information for at least one of a business name, a business content, a business profit dividend, a selling physical product, a sales target, In order to contribute to the success of the business, it is necessary to purchase financial products, purchase real goods, use the purchased real goods for a certain period of time, use the purchased real products for rental for a certain period, display advertisements on purchased real products, Information on one or more of the following: the name of the person to whom the gift is to be sent, the contact address of the person to whom the purchase of the good is to be recommended, the use of the buyer information in marketing, and participation in the high risk business propulsion team. S / w module for low-risk investment fund registration consisting of low-risk investment item area; Democratic capital market system for Internet-based high-risk business.

11. The method of claim 10,
Wherein the low-risk investment means includes investment information providing means for providing low-risk investment information and investment-amount information to be provided to the high-risk enterprise by the provider server.

12. The method of claim 11,
A physical commodity registration means for registering real commodity information on a server server for selling a real commodity introduced by a high-risk provider in a low-risk investment fund introduction to a consumer;
A physical merchandise sales means for receiving information on sale or rental of physical merchandise from a consumer; And
And a business profit dividing means for providing the business profit distribution information to the low risk investor, the inventor of the present invention, and the high risk enterprise by the server of the enterprise, and the demographic capital market system for the internet based high risk business.

13. The system of claim 12, wherein the physical merchandise selling means comprises means for receiving information on sale or rental of physical merchandise from a business entity server.

The method according to claim 13, wherein the type of business profit allocated to the low-risk investor, the inventor of the present invention, and the high-risk enterprise in the business profit dividing means is cash, high stock company, parent company stock, A democratic capital market system for Internet-based high-risk businesses characterized by being one or more of the shares of a third-party company.

14. The method according to claim 13, wherein, when the real goods to be borrowed from the general merchandise selling means is a tangible merchandise designated by the low-risk investor for a predetermined period of time, A lending commodity collecting means for providing lending commodity delivery information to a low risk investor, The system further comprising: a demographic capital market system for Internet-based high risk businesses.

16. The method of any one of claims 12 to 15, wherein, in the business profit dividing means, the dividend of the business profit to the low-
Purchase of financial products, purchase of real goods, use of purchased real goods for sale for a certain period of time, agreement of using purchased real goods for rental for a certain period of time, agreement of advertising on purchased real goods, use of buyer information for marketing agreement, purchase Enter contact information of a relative who presents a real product, input contact information of a relative to recommend purchase of a real product; Based on the results of their contribution to the high-risk business.

16. A method according to any one of claims 10 to 15 for introducing a low risk investment fund or attracting a low risk investment to a democratic capital for an Internet based high risk business, Market system.

18. The system of claim 16 or 17, wherein the low-risk investment through the low-risk investment means is attracted twice or more for the same business.

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