Prediction-based financial asset investment support method and apparatus

Abstract

The present invention relates to a prediction-based financial asset investment support method and apparatus. The prediction-based financial asset investment support method may comprise: a prediction question submission step of recruiting participants by generating and submitting a question of predicting the future outcome of a social issue; a participant dividend granting step of dividing participants into betting groups according to answers of each participant and confirming and issuing a dividend for each participant on the basis of a requested dividend amount for each participant; a dividend trading support step of opening and operating a dividend trading market which supports selling and buying the dividends for each betting group until a prediction end time arrives; and a profit settlement step of calculating and paying out profits for each participant according to the total dividend amount of an incorrect answer group and a dividend for each correctly answered person after determining a betting group that answered correctly by checking a social issue progress result when the prediction end time arrives.

Description

Method and device for supporting prediction-based financial asset investment

[0001] The present invention relates to a prediction-based financial asset investment support method that recruits financial product subscribers by creating and submitting problems predicting future outcomes of various social issues arising across all fields, including politics, industry, and culture.

[0002] Generally, the promotion of financial products is an important activity that informs consumers about the product, attracts their interest, and induces purchase.

[0003] Accordingly, financial institutions such as banks, securities firms, and investment firms are attracting new subscribers by appropriately selecting and utilizing channels such as online advertising, social media, blogs, influencer marketing, TV, radio, and newspapers to advertise information about the financial products they sell.

[0004] Additionally, it has limitations in that it can only advertise financial products such as savings and deposits, and cannot advertise financial products used to raise business funds for new businesses.

[0005] In addition, conventional financial products operate in a way that the subscriber must unconditionally hold the product until the maturity date in order to receive the promised return on the maturity date, which has the disadvantage that the subscriber must wait until the maturity date or cancel the product at a loss.

[0006] Accordingly, there is a growing demand for means for consumers to invest in a wider range of financial assets beyond savings and deposits.

[0007] Prior art document: Domestic Patent Publication No. 10-2020-0049553 (Publication date: May 8, 2020)

[0008] Accordingly, in order to solve the above-mentioned problems, the present invention provides a prediction-based financial asset investment support method that allows for recruiting financial product subscribers in a new way by generating and submitting a problem predicting the future outcome of a social issue and having participants solve the problem.

[0009] We also aim to provide a prediction-based financial asset investment support method that can support participants' dividend trading.

[0010] The purpose of the present invention is not limited to the purposes mentioned above, and other purposes not mentioned will be clearly understood by those skilled in the art from the description below.

[0011] As a means for solving the above problem, according to one embodiment of the present invention, a prediction-based financial asset investment support method is provided, including a prediction problem submission step for recruiting participants by generating and submitting a problem predicting the future outcome of a social issue; a participant dividend granting step for dividing participants into betting groups according to their respective answers and confirming and issuing dividend rights for each participant based on the dividend request amount for each participant; a dividend trading support step for opening and operating a dividend trading market that supports the buying and selling of dividend rights for each betting group until the prediction end time arrives; and a profit settlement step for calculating and paying out profits for each participant based on the total dividend amount of the incorrect answer group and the dividend rights for each correct answerer after checking the progress result of the social issue when the prediction end time arrives.

[0012] The above problem is characterized by being composed of a query sentence that guides the social issue and the predicted end time in natural language form, and additional information including multiple choice options, information on the participant recruitment period, and a participation application menu.

[0013] The above prediction problem submission step is characterized by further including a function of, when a problem is submitted, reverse-extracting information on social issues and prediction end points from the submitted problem through natural language processing technology and registering it as a problem submission history, and then preventing repeated submissions of problems with similarity exceeding a preset level in advance.

[0014] The above prediction problem submission step is characterized by extracting information on social issues and prediction end points from submitted problems and then registering it as a problem submission history, and restricting repeated submissions of problems that are highly similar to the content included in the problem submission history.

[0015] The above dividend trading support step is characterized by supporting trading according to at least one of buying, selling, call options, put options, forward contracts, and contract for difference (CFD) of dividend rights.

[0016] As a means for solving the above problem, according to another embodiment of the present invention, a prediction-based financial asset investment support device is provided, including: a prediction problem submission unit that generates and submits a problem predicting the future outcome of a social issue to recruit participants; a participant dividend issuance unit that divides participants into betting groups according to their respective answers and verifies and issues dividend rights for each participant based on the dividend request amount for each participant; a dividend trading support unit that opens and operates a dividend trading market that supports the buying and selling of dividend rights for each betting group until the prediction end time arrives; and a profit settlement unit that, when the prediction end time arrives, checks the progress of the social issue, determines the betting group that got the answer right, and then calculates and pays out profits for each participant based on the total dividend amount for the incorrect answer group and the dividend rights for each correct answerer.

[0017] The present invention maximizes user interest and actively encourages financial product subscriptions by generating and submitting problems predicting future outcomes of social issues and allowing participants to solve these problems in a novel way.

[0018] Furthermore, by supporting participants' dividend trading after subscribing to a financial product and before the predicted end date of the social issue, the burden of subscribing to a financial product is minimized and flexible fund management is enabled.

[0019] FIGS. 1 to 3 are diagrams for explaining a prediction-based financial asset investment support method according to one embodiment of the present invention.

[0020] FIG. 4 is a diagram illustrating a prediction-based financial asset investment support device according to one embodiment of the present invention.

[0021] Hereinafter, with reference to the attached drawings, preferred embodiments of the present invention will be described in detail so that those skilled in the art can easily practice the present invention. However, in describing preferred embodiments of the present invention in detail, if a detailed description of a related known function or configuration is judged to unnecessarily obscure the gist of the present invention, such detailed description will be omitted. In addition, the same reference numerals are used throughout the drawings for parts that perform similar functions and actions.

[0022] Additionally, throughout the specification, when a part is said to be "connected" to another part, this includes not only cases where it is "directly connected," but also cases where it is "indirectly connected" with other elements intervening. Furthermore, unless specifically stated otherwise, "including" a component does not exclude other components, but rather implies the inclusion of other components.

[0023] FIG. 1 is a diagram illustrating a prediction-based financial asset investment support method according to one embodiment of the present invention.

[0024] Referring to FIG. 1, the method of the present invention includes a prediction problem submission step (S1) for recruiting participants by generating and submitting a problem for predicting the future outcome of a social issue, a participant dividend issuance step (S2) for dividing participants into betting groups according to their respective answers, confirming and issuing dividend rights for each participant based on the dividend request amount for each participant, and calculating the total dividend amount for each betting group, a dividend transaction support step (S3) for opening and operating a dividend trading market that supports the buying and selling of dividend rights for each betting group until the prediction end time arrives, and a profit settlement step (S4) for determining a betting group that got the right answer by checking the progress of the social issue when the prediction end time arrives, and calculating and paying out the profits for each participant based on the total dividend amount for the incorrect answer group and the dividend rights for each correct answerer.

[0025] Hereinafter, the prediction-based financial asset investment support method of the present invention will be examined in more detail with reference to FIGS. 2 and 3.

[0026] Prediction problem submission stage (S1)

[0027] In the present invention, the problem submitter creates a problem predicting the future outcome of a social issue, and then submits the problem by uploading it to a preset site or directly providing it to a preset user in the form of a text message or DM message.

[0028] At this time, the problem may be provided in a form that consists of a query sentence that guides the social issue and the predicted end time in natural language, and additional information including multiple-choice options, participant recruitment period information, and a participation application menu, so that the user can apply for participation after selecting one of the multiple options as an answer.

[0029] For example, as in Fig. 2, a question sentence such as "Can a specific AI company complete development by December 15, 2023, which is the current development completion date?" guides the social issue of "development by a specific AI company" and the predicted completion date of "December 15, 2023," and additionally provides two options: 1) development success, 2) development failure, and information on the participant recruitment period and a participation application menu. By doing so, a problem can be created and submitted in which a user selects an answer through two options: 1) development success, 2) development failure, and then requests a participation application.

[0030] Once a problem is submitted, natural language processing technology is used to reverse-extract information about social issues and predicted end dates from the submitted problem. This information is then registered and managed in the problem submission history. Furthermore, similarity between the content of the current problem and the content registered in the problem submission history is analyzed, thereby preventing repeated submissions of problems with similarity exceeding a preset threshold—that is, problems with identical or similar content.

[0031] Additionally, after conducting a preliminary survey on the preferences for the questions to be presented through a group of experts, etc., it is possible to selectively submit only questions with preferences exceeding a preset level.

[0032] The problem of the present invention can be expressed in the form of comics, videos, emoticons, very short stories, etc. in addition to the general text form, and by changing the form of problem expression according to the user's tendency or type, the interest and excitement of the participants can be maximized.

[0033] Participant dividend issuance stage (S2)

[0034] When a user who has requested participation in response to a submitted question, i.e. a participant, occurs, the dividend-based trading price, minimum and maximum betting amounts are provided, and each participant is asked how much they will bet, i.e. the betting amount.

[0035] Once the participants have decided on their betting amounts, the players are divided into betting groups based on their answers.

[0036] For example, in response to the question in Figure 2, 1) participants who selected development success are divided into a success prediction group, and 2) participants who selected development failure are divided into a failure prediction group.

[0037] Then, by adding up the betting amount of each participant by group, the total dividend amount for each betting group is calculated (see Table 1).

[0038] Number of participantsBetting amount per participant (purchase price based on dividend ticket: 1,000 won)Total dividend amount for the groupSuccess prediction group 100Participant 1: 1,000Participant 2: 2,000Participant 3: 5,000...5,000,000 wonFailure prediction group 60Participant 101: 3,000Participant 102: 1,000...3,000,000 won

[0039] And, based on the betting amount of each participant and the dividend standard purchase price, the dividend rights for each participant are calculated and issued.

[0040] For example, when the dividend standard trading price is 1,000 won, 1 dividend ticket is issued to participant 1 who bet 1,000 won, 2 dividend tickets are issued to participant 2 who bet 2,000 won, and 5 dividend tickets are issued to participant 3 who bet 5,000 won.

[0041] Dividend Trading Support Stage (S3)

[0042] After the participant recruitment period has elapsed, a dividend trading platform will be opened and operated to support the buying and selling of dividend rights by betting group until the prediction end date.

[0043] That is, the present invention provides a means for those who have participated in a bet to withdraw their bet amount before the predicted end time, thereby minimizing the burden of initial investment and enabling dividends to be realized before the predicted end time.

[0044] In particular, the present invention can create and provide a transaction window that can simply sell and buy dividend rights as shown in FIG. 3, and furthermore, stock trading techniques such as call options, put options, forward contracts, and contract for difference (CFD) transactions can be additionally utilized and applied as follows.

[0045] For example, if Participant A purchases a call option (right to buy) at the issue price (the price issued through our company's calculation of the issue price immediately after the question is raised) of 100 won during the trading period, and the 1,000 won paid to purchase the option (1 unit call option price 100 * 10 units) is used to purchase 10 units of dividend rights held by Participant B at a specific point in time or for a specific period (e.g., from October 1, 2023 to October 15, 2023), Participant A enters into a contract to purchase 10 units at the price of 1 unit set at the time of purchase of the call option of 1,050 won, and expresses his / her intention to purchase on that date, B must sell the 10 units he / she holds to A.

[0046] At this time, the initial issue price of a 1-unit call option and a 1-unit put option is 100 won, which is 10% of the 1-unit dividend paid for participating in the problem-solving session. The total purchase price of the right to purchase (call option) and sell (put option) 10 units of dividends is 100*10 = 1,000 won. These call and put options are traded in the market after their initial issuance and are subject to market price fluctuations.

[0047] And for example, if participant C buys a put option (right to sell) during the trading period at 120 won per unit of the put option market price, and participant D receives this 1200 (120*10=1200) won, and at a specific point in time or during a specific period, C buys a put option to sell only 10 units of the problem-solving betting amount he holds (assuming he bought 20 units at 900 won per unit during the trading period) at 900 won per unit, and participant D takes this put option purchase price of 1200 (120*10=1200) won, but if C exercises the right to sell (put option), D must buy it.

[0048] Call and put options are standardized and the trading unit size is subdivided (i.e., subdivided into 1, 5, 10, etc.), the initial issue price is set at 100 won, which is 10% of the dividend-based trading price of 1,000 won, and the market trading price can be subdivided into 50 won units, thereby enabling smoother and more concentrated trading.

[0049] In addition, a similar concept of forward is introduced to the transaction, so that participant E expresses the intention to sell 5 units in the future at 1,200 won per unit for the dividend rights purchased at a specific point in time (for example, when purchasing 10 units at 1,100 won per unit) at a specific point in time or within a specific period before the problem-solving participation deadline, and F accepts this condition and enters into a mutual contract to purchase it at a specific point in time or within a specific period suggested by E, so that the transaction can be completed when the corresponding point in time in the future is reached.

[0050] In order to enforce the binding nature of the Forward transaction, Participant E freezes the dividend rights held by Participant E in the amount of the Forward contract until the Forward transaction contract execution date and Participant F deposits a significant amount of collateral to satisfy the transaction, thereby providing and establishing mechanisms to ensure smooth transaction execution in the future.

[0051] The current price of an option is determined by the participants' confidence in their chosen answer (the predicted market price from the option exercise date to the time immediately before the announcement of the correct answer, and the market price of the question from which the current option was derived).

[0052] Revenue settlement stage (S4)

[0053] When the prediction expires, the results of the social issue progress are reviewed to determine the correct answerer. Specifically, participants in the betting group who answered correctly are designated as correct. The total dividend for the incorrect group is then distributed according to the correct answerer's dividend rights, calculating and distributing the individual participant's earnings.

[0054] For example, if a specific AI company succeeds in developing the problem in Figure 2, the success prediction group is determined to be the group that got the answer right, and then the total dividend of the failure prediction group, 3,000,000 won, is divided by the 500 dividend tickets issued to the success prediction group to calculate the dividend per dividend ticket (3,000,000 won / 5,000 tickets = 600 won / ticket). Then, the dividend ticket of each participant belonging to the success prediction group is multiplied by the dividend per dividend ticket to calculate and pay out the final profit for each participant.

[0055] And if the development fails, after determining that the failure prediction group is the group that guessed correctly, the total dividend of the success prediction group, 5,000,000 won, is divided by the 3,000 dividend tickets issued to the failure prediction group to calculate the dividend per dividend ticket (5,000,000 won / 3,000 tickets = 1,666 won / ticket). Then, the dividend ticket of each participant belonging to the failure prediction group is multiplied by the dividend per dividend ticket to calculate and pay out the final profit for each participant.

[0056] Meanwhile, if the prediction expiration date has arrived but the correct answer has not been confirmed, the prediction expiration date can be postponed with the consent of the participants. However, if the consent of the participants is not obtained, the transaction can be invalidated and the principal can be returned.

[0057] FIG. 4 is a diagram illustrating a prediction-based financial asset investment support device according to one embodiment of the present invention.

[0058] Referring to FIG. 4, the device of the present invention includes a prediction problem submission unit (110) that recruits participants by generating and submitting a problem predicting the future outcome of a social issue, a participant dividend issuance unit (120) that divides betting groups according to each participant's answer, verifies and issues a dividend for each participant based on the dividend request amount for each participant, and calculates the total dividend for each betting group, a dividend transaction support unit (130) that opens and operates a dividend transaction market that supports the buying and selling of dividends for each betting group until the prediction end time arrives, and a profit settlement unit (140) that, when the prediction end time arrives, checks the progress result of the social issue, determines the betting group that answered correctly, and then calculates and pays out the profit for each participant based on the total dividend for each betting group and the dividend for each participant.

[0059] A prediction-based financial asset investment support device configured in this manner may be implemented as a separate hardware device or may be implemented in the form of an embedded system in which hardware or software is built into other hardware or software, but need not be limited thereto.

[0060] Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and various modifications can be made by those skilled in the art without departing from the gist of the present invention as claimed in the claims. Furthermore, such modifications should not be understood individually from the technical idea or prospect of the present invention.

Claims

1. Prediction problem submission stage, which recruits participants by creating and submitting a problem that predicts the future outcome of a social issue; A participant dividend granting step that divides betting groups according to each participant's answer and verifies and issues each participant's dividend based on the dividend request amount for each participant; A dividend trading support stage that opens and operates a dividend trading platform that supports the buying and selling of dividend rights by betting group until the forecast end date arrives; and A prediction-based financial asset investment support method that includes a profit settlement step that determines the betting group that answered correctly by checking the results of the social issue progress when the prediction expires, and then calculates and pays out profits to each participant based on the total dividend amount of the incorrect group and the dividend rights of each correct answerer.

2. In paragraph 1, the problem is A prediction-based financial asset investment support method characterized by comprising a query sentence that guides social issues and prediction end points in natural language form, and additional information including multiple-choice options, participant recruitment period information, and a participation application menu.

3. In the first paragraph, the prediction problem submission step is A prediction-based financial asset investment support method characterized by further including a function for preventing repetitive submissions of problems with a similarity level exceeding a preset level in advance, after the problem is submitted, by reverse-extracting information on social issues and predicted end points from the submitted problem using natural language processing technology and registering it as a problem submission history.

4. In the first paragraph, the prediction problem submission step is A prediction-based financial asset investment support method characterized by extracting information on social issues and predicted end points from submitted problems, registering the problem submission history, and restricting repeated submissions of problems with high similarity to the content included in the problem submission history.

5. In paragraph 1, the dividend trading support step is A method for supporting investment in forecast-based financial assets, characterized by supporting transactions based on at least one of buying, selling, call options, put options, forward contracts, and contracts for difference (CFD) of dividend rights.

6. A prediction problem submission section that recruits participants by creating and submitting problems that predict the future outcomes of social issues; A participant dividend issuing department that divides betting groups according to each participant's answer and verifies and issues each participant's dividend based on the dividend request amount for each participant; A dividend trading support department that opens and operates a dividend trading platform that supports the buying and selling of dividend rights by betting group until the forecast end date arrives; and A prediction-based financial asset investment support device that includes a profit settlement unit that calculates and pays out profits to each participant based on the total dividend amount of the incorrect group and the dividend rights of each correct answerer after checking the results of the social issue progress at the time of prediction expiration and determining the betting group that answered correctly.

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