US 2020/0349650 A1Published application

Micro-financing platform for pooled investing based on purchase of game of chance tickets or tokens of known face value

AssigneePragma-IoT IKE

InventorsDIMITRIOS TZOVARAS, DIMOSTHENIS IOANNIDIS, STELIOS KRINIDIS, LAMBROS MAKRIS, KONSTANTINOS KITSIKOUDIS

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Abstract

An improved micro-financing platform to fund principally new ideas, startups, and/or SMEs using a new type of instant game of chance ticket or on-line game is described. In accordance with an exemplary embodiment, the instant game of chance ticket or an on-line game token will comprise a gaming component and an investment component. In one scenario, the gaming component is the traditional game feature offered by an instant game of chance ticket or on-line game. The investment component of a ticket is the investment value of a ticket or on-line game as a function of the face value paid for the ticket. This investment value is a sort of micro-financing investment made by the purchaser in return for which the purchaser is given a share interest in an investment pool of companies very similar to traditional share ownership in a company, or the purchase of a corporate bond exercisable at a future date in exchange for, hopefully, greater value than what was given to acquire in the first place.

Claims20

Dependent claims

A micro-financing platform, comprising:

a memory module;
a communications interface configured for connecting and exchanging data with a plurality of external servers;
a processor connected with the memory module and the communications interface, where the processor contains at least one of:
an investor manager configured for communicating through the communications interface with a gaming operator server and with a digital wallet server for collecting micro-investor data;
a company pool manager configured for communicating through the communications interface with a plurality of external servers for collecting and analyzing company details and for creating at least one investment pool of companies in a plurality of categories and according to a plurality of company pool criteria and micro-investor preferences;
a general data manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing at least one of legal, tax, financial, energy-related, and news raw and structured data, and for creating structured information from the analyzed data using a plurality of general data rules and a plurality of natural language understanding concepts;
a financial manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing raw and structured financial data to produce structured financial information from the collected data using financial rules and natural language understanding concepts;
and
an investment manager connected to the investor manager, the financial manager, the general data manager, and the company pool manager for receiving the structured information, for analyzing micro-investor, company, financial, general, and company pool structured information from the received structured information, for creating micro-investments associating the micro-investor, company, financial, general, and company pool structured information using investment rules, and where the micro-investor structured information is associated with an investment portion of (i) a face value of an instant game of chance ticket, or (ii) a face value of a betting token or betting point, received from the an external server via the communications interface and the investor manager.

6 more elements

A non-transitory computer program product having instructions that cause a micro-financing platform to use at least one of:

an investor manager configured for communicating through a communications interface with a gaming operator server and with a digital wallet server for collecting micro-investor data;
a company pool manager configured for communicating through the communications interface with a plurality of external servers for collecting and analyzing company details and for creating at least one investment pool of companies in a plurality of categories and according to a plurality of company pool criteria and micro-investor preferences;
a general data manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing at least one of legal, tax, financial, energy-related, and news raw and structured data, and for creating structured information from the analyzed data using a plurality of general data rules and a plurality of natural language understanding concepts;
a financial manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing raw and structured financial data to produce structured financial information from the collected data using financial rules and natural language understanding concepts;
and
an investment manager connected to the investor manager, the financial manager, the general data manager, and the company pool manager for receiving the structured information, for analyzing micro-investor, company, financial, general, and company pool structured information from the received structured information, for creating micro-investments associating the micro-investor, company, financial, general, and company pool structured information using investment rules, and where the micro-investor structured information is associated with an investment portion of (i) a face value of an instant game of chance ticket, or (ii) a face value of a betting token or betting point, received from the an external server via the communications interface and the investor manager

3 more elements

A computer-implemented method for using a micro-financing platform, comprising using:

an investor manager configured for communicating through a communications interface with a gaming operator server and with a digital wallet server for collecting micro-investor data;
a company pool manager configured for communicating through the communications interface with a plurality of external servers for collecting and analyzing company details and for creating at least one investment pool of companies in a plurality of categories and according to a plurality of company pool criteria and micro-investor preferences;
a general data manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing at least one of legal, tax, financial, energy-related, and news raw and structured data, and for creating structured information from the analyzed data using a plurality of general data rules and a plurality of natural language understanding concepts;
a financial manager configured for communicating through the communications interface with the plurality of external servers for collecting and analyzing raw and structured financial data to produce structured financial information from the collected data using financial rules and natural language understanding concepts;
and
an investment manager connected to the investor manager, the financial manager, the general data manager, and the company pool manager for receiving the structured information, for analyzing micro-investor, company, financial, general, and company pool structured information from the received structured information, for creating micro-investments associating the micro-investor, company, financial, general, and company pool structured information using investment rules, and where the micro-investor structured information is associated with an investment portion of (i) a face value of an instant game of chance ticket, or (ii) a face value of a betting token or betting point, received from the an external server via the communications interface and the investor manager

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/930,081Filed 15 Jul 2020
Priority: 20 Dec 2016
Published: 5 Nov 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification8 codes

G06Q 40/06
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: asset management; Financial planning or analysis
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/29
Payment schemes or models: characterised by micropayments
G06Q 20/3278
Short range or proximity payments by means of M-devices: rFID or NFC payments by means of M-devices

Family

Application62/436,979Us provisional application · filed 20 Dec 2016
Application15/846,848Continuation in part · filed 19 Dec 2017
Application16/930,081Continuation in part
US 10,878,504 B2Related patent
US 2018/0174241 A1Published application
US 2020/0349650 A1This patent

From the US filing history. Foreign family members aren’t listed.