KR100365195B1 - Network-based buying service system for beneficiary certificate and mutual fund - Google Patents

Abstract

Disclosed is to enable each computer user on the network to collectively purchase a variety of beneficiary certificates and subscription of mutual funds.

The present invention establishes a database of product information of a plurality of beneficiary certificates and mutual funds, an investment guide of the corresponding product, and a user's securities account information in a server computer, and purchases or mutuals a beneficiary certificate of a user who communicates to a server computer. Depending on the fund subscription selection, the corresponding window is output to the user's computer, and the user selects or inputs data such as withdrawal information and purchase / subscription amount necessary for the purchase of a specific beneficiary certificate or the subscription of a mutual fund, and then the beneficiary certificate or mutual If you agree to the fund's prospectus, you can either buy a particular beneficiary certificate or sign up for a mutual fund.

Accordingly, the present invention provides an effect that computer users can collectively perform purchase of various beneficiary certificates or subscription of mutual funds.

Description

Network-based buying service system for beneficiary certificate and mutual fund}

The present invention relates to a network-based beneficiary certificate and mutual fund trading service system.

More specifically, the present invention relates to a network-based beneficiary and mutual fund trading service system that enables each computer user to collectively purchase various beneficiary certificates and subscribe to mutual funds.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

Recently, the sites of securities companies that provide home trading systems to purchase and buy stocks on the network are gradually increasing with the explosive interest of various computer users. Securities companies are working hard to attract computer users who want to use a home trading system.

In addition, each securities company provides a service that allows computer users using a home trading system to purchase / sell various beneficiary certificates and subscribe to mutual funds in addition to stock trading online.

However, the conventional securities companies, as described above, do not provide computer users with services that can collectively handle the purchase / sell of beneficiary certificates and the subscription of mutual funds.

Therefore, in order to purchase and sell various beneficiary certificates or mutual funds online by using a home trading system provided by each securities company, after checking various fund products provided by the securities company, they access different menu windows. There has been the hassle of buying or selling beneficiary certificates or offering mutual funds.

An object of the present invention is to enable the purchase of various beneficiary certificates and subscription of mutual funds in a batch on the beneficiary certificate purchase window or mutual fund subscription window provided by the server to each computer users on the network to solve the above problems To provide a network-based beneficiary certificate and mutual fund trading service system.

1 is a block diagram schematically showing the configuration of a network-based beneficiary certificate and mutual fund trading service system according to the present invention;

2 is a block diagram showing in detail the configuration of the server computer of FIG.

3 is a view showing an example of a beneficiary certificate purchase window of the present invention,

4 is a view showing an example of the mutual fund subscription window of the present invention,

5 is a flowchart showing in detail the operation of the network-based beneficiary certificate and mutual fund transaction service method according to the present invention;

6 to 9 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

10: network communication network 20: user computer

30: server computer 32: data input unit

34: main control unit 36: database unit

38: communication control unit 40: beneficiary certificates purchase window

50: Mutual Fund Subscription Window

A network-based beneficiary certificate and mutual fund transaction service system according to the present invention for achieving the above object comprises: a network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; Connect to the outside through network communication network and receive information on a plurality of beneficiary certificates or mutual funds provided from outside according to the purchase of beneficiary certificates or subscription of mutual funds, and display them on the beneficiary certificate purchase window or mutual fund subscription window. Product selection data, user authentication data, withdrawal account and purchase amount selection data, investment statement inquiry and consent data, and final confirmation data of a specific beneficiary or mutual fund entered by the user in the Beneficiary Certificate Purchase Window or Mutual Fund Subscription Window. A plurality of user computers outputting to the outside; Product information and investment descriptions of multiple beneficiary certificates or mutual funds, authentication data and withdrawal account information of users are built into a database, and a plurality of beneficiary certificates built into a database according to a user's request to purchase a beneficiary certificate or a mutual fund or Output the mutual fund's product information to the user's computer, and when the user's authentication data is input by the user who selected the specific beneficiary certificate or the mutual fund product, the user's withdrawal account information is extracted from the database and output to the user's computer. After the user selects a withdrawal account and purchase amount, if the prospectus is requested, the prospectus of the beneficiary certificate or mutual fund is printed, and the beneficiary purchase or mutual fund subscription is executed according to the user's prospectus agreement and final confirmation. doing It is characterized by including a server computer.

In addition, the network-based beneficiary certificates and mutual fund transaction service method according to the present invention, (1) a server computer to build a product information of a plurality of beneficiary certificates and mutual funds and investment instructions of the corresponding product as a database, a plurality of users Constructing a database of their securities account information; (2) outputting a beneficiary certificate purchase window or a mutual fund offer window to a corresponding user computer according to a user's selection of a beneficiary certificate purchase or a mutual fund subscription made through a communication connection to a server computer; (3) a process in which a user selects or inputs data necessary for the purchase of a specific beneficiary certificate or the subscription of a mutual fund; (4) In accordance with the user's specific beneficiary certificate or mutual fund investment prospective inquiry and consent, the server computer, including the purchase of the specific beneficiary certificate or the mutual fund, characterized in that it comprises the process.

Hereinafter, a network-based beneficiary certificate and a mutual fund transaction service system of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing the configuration of a network-based beneficiary certificate and mutual fund trading service system according to the present invention.

As shown, the network communication network 10 is a communication network such as a wired / wireless internet, and connects a communication line between a plurality of user computers 20 and a server computer 30, which will be described later, to purchase beneficiary certificates and mutual funds. Ensure data communication related to subscriptions is made.

The plurality of user computers 20 has a communication environment established to be connected to the server computer 30 to be described later through the network communication network 10, and the user among the plurality of menus provided by the server computer 30 after performing the communication connection. Depending on the number of beneficiary certificates or mutual fund subscription, the beneficiary certificate purchase window 40 or mutual fund subscription window provided by the server computer 30 is received and displayed on the beneficiary certificate purchase window 40 or the mutual fund subscription window 50. do.

In addition, the plurality of user computers 20 may include product selection data, user authentication data, withdrawal account and purchase amount of a specific beneficiary certificate or mutual fund input by a user on the beneficiary certificate purchase window 40 or the mutual fund subscription window 50. Selection data, prospectus inquiry and consent data, and final confirmation data of the number of beneficiary certificates or mutual fund subscriptions are output to the server computer 30.

The server computer 30 constructs a database of product information and a prospectus of a plurality of beneficiary certificates or mutual funds sold online through a network communication network to a plurality of computer users, and authentication data and withdrawal account information of users. The product information of a plurality of beneficiary certificates or mutual funds constructed as a database is output to the corresponding user computer 20 according to a user's request to purchase a beneficiary certificate or a mutual fund subscription.

The server computer 30 extracts the withdrawal account information of the user from the database when user authentication data such as a comprehensive card (bankbook) number, ID, or password is input by a user who selects a specific beneficiary certificate or mutual fund product. Output to the user computer 20, when the withdrawal account and purchase amount is selected by the user, when the investment prospectus inquiry is requested, extract the investment prospectus of the beneficiary certificate or mutual fund from the database and output to the user computer 20 In accordance with the user's prospectus agreement and final confirmation of the purchase / offer, the beneficiary purchases or mutual fund subscriptions are performed.

At this time, the server computer 30 described above, if the user performing the purchase of beneficiary certificates or mutual fund subscription through the network communication network 10 does not agree to the investment instruction of the beneficiary certificates or mutual funds, the purchase of the beneficiary certificates or Do not allow mutual fund subscriptions to be performed.

In addition, the server computer 30 automatically generates a new account number including the beneficiary certificate purchased by the user through the network communication network 10 and outputs it to the corresponding user computer 20 to confirm the user who purchased the beneficiary certificate. To help.

2 is a block diagram showing in detail the configuration of the server computer 30 of FIG. 1 described above.

As shown in the drawing, the data input unit 32 receives an operation program that supports the purchase of a beneficiary certificate or mutual fund subscription of a plurality of user computer 20 users inputted by a server operator, and outputs it to the main controller 34 which will be described later. .

In addition, the data input unit 32 receives product information and investment instruction, user authentication data, and withdrawal account information of a plurality of beneficiary certificates or mutual funds and outputs them to the main controller 34 to be described later.

The main controller 34 controls to store the product information and the investment manual, the user authentication data, and the withdrawal account information of the plurality of beneficiary certificates or mutual funds input through the data input unit 32 in the database unit 36 to be described later. According to the user's request to purchase beneficiary certificates or the mutual fund subscription, the control unit outputs the product information data of the plurality of beneficiary certificates or the mutual funds stored in the database unit 34 to the user computer 20.

Then, the main control unit 34 controls the output of the withdrawal account information of the user stored in the database unit 34 according to the authentication data input of the user who selected the specific product information data, the corresponding revenue from the user who selected the withdrawal account and the purchase amount When the prospectus of a securities or mutual fund is selected, the prospectus of the beneficiary or mutual fund is controlled, and the purchase amount is withdrawn from the withdrawal account of the user according to the user's agreement on the prospectus and the final confirmation of the purchase / subscription. Afterwards, the purchase of certain beneficiary certificates or the subscription of mutual funds.

The database unit 36 stores the product information and investment instructions, user authentication data, and withdrawal account information of the plurality of beneficiary certificates or mutual funds input through the data input unit 32 under the control of the main controller 34, Pre-stored information is output at the request of the control unit 34, and the details of the number of beneficiary certificates purchased or the mutual fund subscription of the specific user performed by the main control unit 36 are stored.

The communication control unit 38 selects beneficiary certificates or mutual fund subscription selection data, user authentication data, withdrawal account and purchase amount selection data, investment statement inquiry and agreement data, and the like inputted by a user connected through the network communication network 10. Receives the confirmation data and outputs to the main control unit 34, and outputs the product information, withdrawal account information, investment instructions of the plurality of beneficiary certificates or mutual funds output from the main control unit 34 to the user computer 20.

3 is a diagram showing an example of the beneficiary certificate purchase window 40 of the present invention, which includes a fund code, a fund name, a fund size, a sellable amount, and a reference price for a plurality of beneficiary certificates provided by the server computer 30. Product information display window 42 for displaying rough information such as credit rating, authentication data input window 44 for inputting data for user authentication of a comprehensive card (passbook) number or user ID and password, and subscription Investor purchase information registration window 46 for displaying or entering / selecting a fund, withdrawal account number, purchase amount, fund information inquiry, balance inquiry, investment instruction inquiry, and new account number of purchase beneficiary certificate; Confirmation and deletion button for finally confirming or canceling the number of beneficiary certificates according to the data checked or entered / selected by the user through the purchase information registration window 46. It consists of a cotton 48.

In addition, the above-mentioned beneficiary certificate purchase window 40 includes a fund information inquiry button for checking detailed information of the corresponding product, and if the user has an existing account, the beneficiary certificates to be additionally purchased in the corresponding account can be selected. There is additionally provided with an account selection selection button, and a display window for checking new account information in which the beneficiary certificates purchased at the time of purchase of the beneficiary certificates are incorporated.

4 is a view showing an example of the mutual fund subscription window 50 of the present invention, the fund name, fund code, asset manager, fund manager, subscription associated with a plurality of mutual fund products provided by the server computer 30 Product information display window 52 for displaying general information such as start date, subscription end date, offer amount, subscription availability, subscription price, subscription unit, minimum subscription quantity, minimum subscription amount, sales commission, and overall card number, subscription Mutual fund subscription window (54) for account number, password, funds to join, subscription balance, subscription quantity, investment prospectus inquiry, subscription quantity to be displayed or user input / selection, and mutual fund subscription registration window ( 54) includes a confirmation and clear button 56 to confirm or cancel the mutual fund subscription, either in accordance with the data entered by the user or entered / selected. It is configured together.

The mutual fund subscription window 50 further includes a display window for displaying the subscription number, fund name, subscription amount, subscription price, subscription amount, sales commission, total payment amount, and receipt account number of the specific mutual fund that the user subscribed to. It is provided with.

At this time, the confirmation and erase buttons 48 and 56 provided in the above-mentioned beneficiary certificate purchase window 40 and the mutual fund subscription window 50 allow the user to purchase an investment document of a specific beneficiary certificate or mutual fund. It is inactive before executing the agreement, and it becomes active when the user confirms the prospectus and then agrees to buy.

Herein, in the present invention, a user who purchases a beneficiary certificate or subscribes to a mutual fund may perform the purchase / subscription on a single window such as the above-described beneficiary purchase window 40 and the mutual fund subscription window 50 at a time. Although described, the present invention is not limited thereto. Of course, a service may be provided to input necessary data according to the purchase order of beneficiary certificates or the subscription order of mutual funds.

Next, an embodiment of a network-based beneficiary certificate and mutual fund transaction service method according to the present invention configured as described above will be described in detail with reference to FIGS. 5 to 9.

5 to 9 are flowcharts showing in detail the operation of the network-based beneficiary certificate and mutual fund transaction service method according to the present invention.

First, the information on the products of a plurality of beneficiary certificates and mutual funds that can be sold online from the server computer 30 operated by each securities company, as well as the investment description of the corresponding product is built into the database, and the stock account information of the plurality of users Build in a database (S10).

In detail, the server computer 30 determines a plurality of beneficiary certificates and mutual funds to be sold online (S11), and constructs product information of the beneficiary certificates and mutual funds as a database (S12).

In addition, a database of investment prospects of the beneficiary certificates and mutual funds, which allows users to purchase beneficiary certificates or subscriptions to mutual funds, confirms how the investment of the fund proceeds and the legal relationship (S13). ).

In addition, the server computer 30 builds a securities account information opened by a plurality of securities trading users as a database (S14).

As such, after the server computer 30 constructs the product information of the beneficiary certificates and the mutual funds and the account information of the users as a database through the above-described process (S10), the server computer 30 uses the network communication network 10. When the purchase of the beneficiary certificate or the subscription of the mutual fund is selected by the user who has performed the communication connection, the beneficiary certificate purchase window 40 or the mutual fund subscription window 50 is output to the corresponding user computer 20 (S20).

In detail, when the user proceeds to the communication connection to the server computer 30 via the network communication network (10) (S21), the server computer 30 by the user to purchase a number of beneficiary certificates or mutual fund subscription of the menu It is determined whether a menu is selected (S22).

As a result of the determination, when the purchase of the beneficiary certificates or the mutual fund subscription menu is selected by the user, the server computer 30 opens the beneficiary certificate purchase window 40 or the mutual fund subscription window 50 corresponding to the menu selected by the user. 20) (S23).

In addition, the server computer 30 extracts rough commodity information of the plurality of beneficiary certificates or mutual funds stored in the database unit 36 (S24), and extracts the rough commodity information of the extracted beneficiary certificates or mutual funds. The product information display windows 42 and 52 on the stock purchase window 40 or the mutual fund subscription window 50 may be output to allow users to check the products (S25).

After the product information related to the plurality of beneficiary certificates or the mutual funds is provided to the user who has selected the purchase of the beneficiary certificates or the mutual fund through the above-described process (S20), the server computer 30 selects or inputs the specific information selected or inputted by the corresponding users. Various data required for purchase of beneficiary certificates or subscription of mutual funds are received (S30).

In detail, the server computer 30 includes a user among a plurality of beneficiary certificates or mutual funds displayed in the product information display windows 42 and 52 of the beneficiary certificate purchase window 40 or the mutual fund subscription window 50. It is determined whether the specific beneficiary certificates or mutual funds are selected by (S31).

As a result, when a particular beneficiary certificate or mutual fund is selected by the user, the server computer 30 extracts the product code of the specific beneficiary certificate or mutual fund selected by the user from the database and outputs it to the corresponding user computer 20 so that the user This can be confirmed on the beneficiary certificate purchase window 40 or the mutual fund subscription window 50 (S32).

In addition, the server computer 30 determines whether authentication data such as a comprehensive card (passbook) number or ID and a password are input by the corresponding user (S33), and the withdrawal account of the corresponding user according to the authentication data input by the user. The information is extracted from the database and output to the user computer 20 (S34).

In this case, the withdrawal account information output from the server computer 30 to the user computer 20 as described above, when the user opens a plurality of accounts, information of all withdrawal accounts opened by the user is output.

Subsequently, the server computer 30 determines whether the user selects a withdrawal account based on the withdrawal account information output from the server computer 30 and inputs the amount according to the number of beneficiary certificates or the subscription amount / subscription amount according to the mutual fund subscription. (S35).

That is, it is to confirm whether users who want to buy a specific beneficiary certificate or subscribe to a mutual fund input data such as fund selection, withdrawal account selection, purchase amount, etc. according to a predetermined form provided by the server computer 30.

As such, after the user inputs basic data according to the purchase of the beneficiary certificate or the mutual fund through the above-described process (S30), the server computer 30 checks whether the user agrees to the investment document of the specific beneficiary certificate or the mutual fund. The purchase of a specific beneficiary certificate or subscription of a mutual fund is performed (S40).

In detail, the server computer 30 determines whether the selection or input of the basic data necessary for the purchase of the beneficiary certificate or the subscription of the mutual fund is completed by the user (S41), and after the input of the basic data is completed, the user It is determined whether to select the prospectus inquiry of a particular beneficiary certificate or mutual fund (S42).

As a result of the determination, when the inquiry on the prospectus is selected by the user, the server computer 30 extracts the prospectus of the beneficiary certificate or the mutual fund from the database and outputs the prospectus to the corresponding user computer 20 (S43).

Thereafter, the server computer 30 determines whether consent data is input by the user who has confirmed the prospectus of the specific beneficiary certificate or mutual fund (S44), and when the prospectus consent data is input by the user, the server computer 30 ) Activates the check and erase buttons 48 and 56 of the inactive state provided on the beneficiary certificate purchase window 40 or the mutual fund subscription window 50 (S45).

In operation S46, it is determined whether the user selects one of the confirmation button and the erase button.

As a result of the determination, when the user selects the OK button, the server computer 30 withdraws the purchase amount or the subscription amount from the withdrawal account specified by the user according to the data input by the user through the above-described process (S30), and purchases the beneficiary certificates. Alternatively, the mutual fund subscription is performed (S47).

However, if the user selects the erase button as a result of the determination in step S46, the data input by the user is deleted through the above-described process (S30), and the purchase of beneficiary certificates or the mutual fund subscription service is terminated (S48). ).

At this time, in the above-described step (S47), when the server computer 30 purchases a specific beneficiary certificate at the request of the user, the server computer 30 is a new account number containing the beneficiary certificate purchased by the user Automatically generates, and outputs the generated new account number to the user computer (20).

As described above, according to the network-based beneficiary certificate and mutual fund trading service system of the present invention, information related to various beneficiary certificates or mutual fund products on the server computer side, investment instructions of the beneficiary certificates or mutual fund products, and users By building account information into a database and providing the data directly to the beneficiary certificate purchase window or mutual fund subscription window at the request of computer users, computer users check various fund products and access the different menu screens. There is no need to buy securities or to subscribe to mutual funds without having to buy securities or to subscribe to mutual funds.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (13)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; After connecting to a server computer that provides beneficiary certificates and mutual fund trading services through the network communication network, and inputs product information of a plurality of beneficiary certificates or mutual funds provided from the server computer according to the number of beneficiary certificates or the selection of mutual fund subscription by users. Receive and display on the beneficiary certificate purchase window or the mutual fund subscription window, and the product selection data, user authentication data, withdrawal account and purchase amount of a specific beneficiary or mutual fund entered by the user on the beneficiary certificate purchase window or the mutual fund subscription window. A plurality of user computers for outputting selection data, prospectus inquiry and consent data, and final confirmation data to the server computer; And Product information and investment descriptions of multiple beneficiary certificates or mutual funds, authentication data and withdrawal account information of users are built into a database, and a plurality of beneficiary certificates built into a database according to a user's request to purchase a beneficiary certificate or a mutual fund or Output the mutual fund's product information to the user's computer, and when the user authentication data is input by the user who selected the specific beneficiary certificate or the mutual fund product, the user's withdrawal account information is extracted from the database and output to the user's computer. After the user selects a withdrawal account and purchase amount, if the prospectus is requested, the prospectus of the beneficiary certificate or mutual fund is printed, and the beneficiary purchase or mutual fund subscription is executed according to the user's prospectus agreement and final confirmation. doing A network-based beneficiary certificate and mutual fund trading service system comprising a server computer. The method of claim 1, wherein the server computer, An operation program for supporting a plurality of beneficiary certificates or mutual fund subscriptions of a plurality of user computer users by the server operator, a data input unit for inputting commodity information and investment instructions of the plurality of beneficiary certificates or mutual funds, user authentication data, and withdrawal account information; Controls the database construction of product information and investment instructions, user authentication data, and withdrawal account information of a plurality of beneficiary certificates or mutual funds input through the data input unit, and generates a plurality of profits according to a user's request to purchase beneficiary certificates or mutual fund subscriptions. Controls the output of commodity information data of securities or mutual funds, controls the output of the withdrawal account information of the user according to the authentication data input of the user who selects specific commodity information data, and requests the inquiry of the prospectus of the user who selects the withdrawal account and the purchase amount A main controller that controls the output of the prospectus of the beneficiary certificate or mutual fund, and withdraws the purchase amount from the withdrawal account of the user according to the user's agreement and final confirmation of the beneficiary certificate or mutual fund; Under the control of the main control unit, the product information, investment instruction, user authentication data, and withdrawal account information of the plurality of beneficiary certificates or mutual funds input through the data input unit are stored, and the pre-stored information is requested according to the request of the main control unit. A database unit for outputting a number of beneficiary certificates or a mutual fund subscription of a specific user performed by the main controller; And According to the communication connection of the user's computer, the user receives input of the beneficiary certificate purchase or mutual fund subscription selection data, user authentication data, withdrawal account and purchase amount selection data, investment instruction inquiry and consent data, and final confirmation data. A network-based beneficiary certificate, comprising a communication control unit for outputting product information, withdrawal account information, and investment instructions of a plurality of beneficiary certificates or mutual funds output from the main control unit to a corresponding user computer. And mutual fund trading service system. The method of claim 1, wherein the server computer, A network characterized in that a user performing a purchase of a beneficiary or mutual fund through a network communication does not perform the purchase of a beneficiary or a mutual fund if the user does not view and agree to the prospectus of the beneficiary or the mutual fund. Based beneficiary and mutual fund trading service system. The method of claim 1, wherein the server computer, A network-based beneficiary certificate and mutual fund trading service system, which automatically generates a new account number including a beneficiary certificate purchased by a user through a network communication network. The method of claim 1, wherein the beneficiary certificate purchase window is A merchandise information display window for displaying schematic information of a plurality of beneficiary certificates; An authentication data input window for inputting data for user authentication of a comprehensive card (passbook) number or a user ID and password; Revenue purchase information registration window for displaying or entering / selecting a fund, withdrawal account number, purchase amount, fund information inquiry, balance inquiry, investment statement inquiry, and new account number of purchase beneficiary certificates; And Network-based beneficiary certificates and mutuals comprising a check and clear button for finally confirming or canceling the number of beneficiary certificates according to the data checked or entered / selected by the beneficiary certificate purchase information registration window Fund Trading Service System. The method of claim 1, wherein the mutual fund subscription window, A merchandise information display window for displaying schematic information of a plurality of mutual fund products provided by the server computer; A mutual fund subscription window for displaying a comprehensive card number, subscription account number, password, fund to be subscribed, subscription balance, subscription quantity, prospectus inquiry, subscription quantity displayed or user input / selection; And Network-based beneficiary certificates and mutual funds comprising a check and clear button for finally confirming or canceling the mutual fund subscription according to the data checked or inputted / selected by the user through the mutual fund subscription window. Transaction service system. The method of claim 5 or 6, wherein the confirmation and erase button, It will be inactive until the user checks the prospectus of a particular beneficiary or mutual fund and agrees to buy. A network-based beneficiary certificate and mutual fund trading service system, characterized in that when the purchase agreement is confirmed after confirming the prospectus, it becomes active. (1) constructing, by a server computer, product information of a plurality of beneficiary certificates and mutual funds and an investment description of the corresponding product as a database, and constructing the securities account information of the plurality of users as a database; (2) outputting a beneficiary certificate purchase window or a mutual fund offer window to a corresponding user computer according to a user's selection of a beneficiary certificate purchase or a mutual fund subscription made through a communication connection to a server computer; (3) Selecting a specific beneficiary certificate or mutual fund through the Buying Beneficiary Certificate window or Mutual Fund Subscription window on the server computer, entering the composite card (bankbook) number or ID, the authentication data of the password, the amount or the mutual value according to the number of beneficiary certificates. Performing selection or input of data required for purchase of beneficiary certificates or subscription of mutual funds, such as input of subscription amount / subscription quantity according to fund subscription; And (4) a network-based beneficiary, comprising the step of performing a purchase or subscription of a mutual fund on a server computer according to the user's specific beneficiary certificate or mutual fund's prospectus inquiry and consent. Mutual fund trading service method. The method of claim 8, wherein the process (1), (1-1) determining a plurality of beneficiary certificates and mutual funds to sell online at the server computer; (1-2) constructing product information of the beneficiary certificates and mutual funds into a database; (1-3) constructing a prospectus of the beneficiary certificates and mutual funds into a database; And (1-4) A network-based beneficiary certificate and mutual fund transaction service method comprising the step of constructing a database of securities account information of a plurality of securities trading users. The method of claim 8, wherein the process (2), (2-1) the user making a communication connection to the server computer through a network communication network; (2-2) determining, by the user, whether a number of beneficiary certificates or a mutual fund subscription menu is selected from the plurality of menus; (2-3) outputting a beneficiary certificate purchase window or a mutual fund subscription window corresponding to a menu selected by the user to a corresponding user computer; (2-4) extracting general product information of beneficiary certificates or mutual funds which are built into a database on the server computer; And (2-5) a network-based beneficiary certificate comprising the step of outputting the extracted product information of the beneficiary certificate or mutual fund on the beneficiary certificate purchase window or the mutual fund subscription window of the user's computer; Mutual fund trading service method. The method of claim 8, wherein the process (3), (3-1) determining whether a specific beneficiary certificate or a mutual fund is selected by the user among a plurality of beneficiary certificates or mutual funds provided by the server computer; (3-2) extracting a product code of a specific beneficiary certificate or mutual fund selected by a user from a database and outputting the product code to a corresponding user computer; (3-3) determining whether authentication data of a comprehensive card (passbook) number or ID or password is input by a user; (3-4) extracting the withdrawal account information of the user according to the authentication data input by the user from the database and outputting the withdrawal account information to the user computer; And (3-5) determining whether the user who selects a withdrawal account output from the server computer inputs the amount according to the number of beneficiary certificates or the amount / subscription amount according to the mutual fund subscription. How to service beneficiary certificates and mutual funds. The method of claim 8, wherein the process (4), (4-1) determining whether a selection or input of a plurality of data required for the purchase of the beneficiary certificate or the mutual fund subscription inputted by the user at the server computer is completed; (4-2) determining whether a prospectus inquiry of a specific beneficiary certificate or a mutual fund is selected by the user; (4-3) extracting the prospectus of the beneficiary certificate or mutual fund from the database and outputting to the user computer; (4-4) determining whether consent data is input by the user who has confirmed the prospectus output from the server computer; (4-5) when the prospectus agreement data is input, activating a confirm and erase button provided on the beneficiary certificate purchase window or the mutual fund subscription window on the server computer; (4-6) determining which button of the confirmation button or the erase button is selected by the user; (4-7) If the confirmation button is selected, withdraw the purchase amount or the subscription amount from the withdrawal account specified by the user according to the data input by the user through the above process (3), and purchase the beneficiary certificates or the mutual fund subscription. step; And (4-8) If the erase button is selected, deleting the data input by the user through the process (3) and ending the purchase of beneficiary certificates or the mutual fund subscription service. How to service beneficiary certificates and mutual funds. The method according to claim 12, wherein in step (4-7), If the server computer purchases a specific beneficiary certificate at the request of the user, the server computer automatically generates a new account number including the purchased beneficiary certificate, and outputs the generated new account number to the user computer. A network-based beneficiary certificate and mutual fund trading service method.