KR100963916B1 - System and Method for Operating Non-Real Name Funds and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a non-named fund and a recording medium therefor, wherein the method for operating a non-named fund according to the present invention includes information on fund information subscribed to by a customer in an information receiving means when a customer joins a fund through an online channel. Receiving an investment amount information and customer information, and a beneficiary certificate for investing the investment amount in a fund corresponding to the fund information based on the customer information in connection with a financial system provided at a financial institution in an account opening means; Depositing a non-real name account including a real name verification period; processing the opened non-real name account in a virtual account processing means as a virtual account using the financial institution real account as a parent account; Confirming that the real name of the customer for the virtual account is confirmed during the real name verification period and the real account When the customer's real name for the virtual account is confirmed within the real name confirmation period by the processing means, the virtual account is converted into the real account whose real name is confirmed in association with the financial system, and the opening date of the real account is opened in the virtual account. Processing retrospectively and automatically extending the real name verification period in association with the financial system if the customer real name for the virtual account is not confirmed within the real name verification period.

Non-Blind Fund, Fund Management

Description

System and Method for Operating Non-Real Name Funds and Recording Medium}

1 is a diagram illustrating a non-real name account registration system for joining an online fund according to an embodiment of the present invention.

2 is a diagram showing the configuration of non-real name ledger information according to an embodiment of the present invention.

3 is a diagram showing the configuration of non-real name ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of non-real name ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening a non-real name account and registering a non-real name account operating in a virtual account form according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating an information providing process for opening a non-real name account and registering a non-real name account in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing a non-real name account as a virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for a non-real name account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of confirming a real name of the non-real name account at the time of repurchase of a fund subscribed by a customer according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of confirming a real name of the non-real name account at the time of expiration of a contract of a customer, according to an embodiment of the present invention.

<Description of main parts of drawing>

100: fund subscription server 105: interface unit

110: information confirmation unit 115: interface providing unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: fund product D / B 145: information processing server

150: real account processing unit 155: Kashinkyu management unit

160: real name confirmation unit 165: Ga Shingyu establishment

170: virtual account processing unit 175: information receiving unit

180: beneficiary certificate generation unit 185: fund management server

190: customer terminal

The present invention comprises the steps of receiving the fund information, investment amount information and customer information subscribed to by the customer in the information receiving means when the customer joins the fund through the online channel, and linked with the financial system provided to the financial institution in the account opening means Depositing a beneficiary certificate that invests the investment amount in a fund corresponding to the fund information based on the customer information, opening a non-real name account including a real name verification period, and opening the virtual account processing means. Processing a non-real name account as a virtual account using the real account of the financial institution; and checking whether a real name of the virtual account is verified by the real name verification means during the real name verification period, and the real name in the real account processing means. If the customer's real name for the virtual account is confirmed within the verification period, The virtual account is converted into a real account whose real name is confirmed, and the date and time of opening the real account are retroactively set to the virtual account establishment date and time, and if the customer's real name for the virtual account is not confirmed within the real name verification period, The present invention relates to a method for operating a non-real name fund, including automatically extending the real name verification period in connection with a financial system.

As the desire to improve the quality of life is stimulated by the whole nation, interest in financial technology is increasing, and financial institutions are launching various financial investment products such as funds.

Investors who wish to invest in financial investment products, such as the Fund, must visit the financial institution's counters according to the Financial Real Name Trading and Confidentiality Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744) to verify their real names, and then invest in each investment product. can do.

However, the amount of time that office workers can visit the financial institution's counters to invest in such financial products is limited, so most workers are more stable, more profitable and more commissioned. It involves the problem of investing in investment products through financial institutions near the workplace which are easy to visit rather than cheap investment products.

An object of the present invention for solving the above problems is, when a customer joins the fund through an online channel, the information receiving means for receiving the fund information and investment amount information and customer information subscribed to the customer, and the financial institution provided in the financial institution An account opening means for depositing a beneficiary certificate for investing the investment amount in a fund corresponding to the fund information based on the customer information, and opening a non-real name account including a real name verification period; Virtual account processing means for processing a non-real name account as a virtual account having a real account as the financial institution, real name checking means for checking whether a customer real name for the virtual account is verified during the real name checking period, and the real name checking means within the real name checking period; If the customer's real name for the virtual account is confirmed, the virtual account is executed in association with the financial system. The real account is converted into the confirmed real account, and the date and time of opening the real account are retroactive to the date and time of opening the virtual account, and if the customer's real name for the virtual account is not confirmed within the real name verification period, It is to provide a non-real name fund operating system having a real account processing means for automatically extending the real name verification period.

Non-real name fund management method according to the present invention, when the customer joins the fund through the online channel, receiving the fund information, investment amount information and customer information subscribed by the customer in the information receiving means, the financial institution in the account opening means Depositing a beneficiary certificate that invests the investment amount in a fund corresponding to the fund information based on the customer information in connection with a financial system provided in the bank, and opening a non-real name account including a real name verification period; Processing the opened non-real name account in the account processing means as a virtual account using the real account of the financial institution; and confirming whether the real name of the virtual account is verified in the real name verification period by the real name verification means; In the real account processing means, the customer's real name for the virtual account is confirmed within the real name verification period. And converting the virtual account into a real account whose real name is confirmed in association with the financial system, processing the opening date of the real account to be retroactive to the virtual account opening date, and the customer for the virtual account within the real name verification period. If the real name is not confirmed, characterized in that it comprises the step of automatically extending the real name confirmation period in connection with the financial system.

In the non-real name fund operating method according to the present invention, upon repurchase of the fund, requesting real name verification of the virtual account to the terminal requesting repurchase of the fund by the real name checking means, and when the customer real name is confirmed, And converting the virtual account into a real account whose real name is confirmed in linkage with the financial system, and processing the opening date of the real account to be retroactive to the virtual account opening date. do.

In the non-real name fund operating method according to the present invention, upon arrival of the contract expiration of the fund, requesting real name verification of the virtual account from the real name checking means to the communication means of the customer, and if the customer real name is confirmed, Converting the virtual account into a real account whose real name is confirmed in connection with the financial system in a real account processing means; and when the real account is switched, the fund proceeds based on a beneficiary deposited in the real account by a fund management means; Settlement process

On the other hand, it includes a recording medium recording a program for executing the above-mentioned non-name fund management method.

On the other hand, the non-real name fund management system according to the present invention, when the customer joins the fund through an online channel, the information receiving means for receiving the fund information and investment amount information and customer information subscribed to the customer, and the financial institution provided in the financial institution An account opening means for depositing a beneficiary certificate for investing the investment amount in a fund corresponding to the fund information based on the customer information, and opening a non-real name account including a real name verification period; and the opened non-real name. Virtual account processing means for processing an account as a virtual account having a real account as the financial institution, real name checking means for checking whether a customer real name for the virtual account is confirmed during the real name checking period, and the virtual name during the real name checking period; Once the customer's real name for the account is confirmed, the virtual account is opened in association with the financial system. The real account is converted into the confirmed real account, and the date and time of opening the real account are retroactive to the date and time of opening the virtual account, and if the customer's real name for the virtual account is not confirmed within the real name verification period, And real account processing means for automatically extending the real name verification period.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a non-real name account registration system for joining an online fund according to an embodiment of the present invention.

In more detail, Figure 1 provides the fund subscription application information to open a non-real name account for processing an online fund subscription from a predetermined client terminal 190 to a predetermined fund subscription server 100 via a communication network, the fund. In the subscription server 100 in connection with the fund subscription application information provided from the customer terminal 190 in conjunction with the information processing server 145 provided in a predetermined financial institution to the non-real name account opened in response to the fund subscription application information It is a diagram showing a system configuration of opening a virtual account in the form of a virtual account processed by a real account operated by an institution.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing, and in addition to the non-real-name account in the form of a virtual account having a real account operated by the financial institution as a parent account, for various purposes of joining an online fund. Although an implementation method for a system for registering a non-real name account of the form may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an embodiment of a system for registering a non-real name account in the form of a pseudonym account in which a rechargeable prepaid card concept is introduced by referring to and / or modifying the present invention. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, a non-real name account registration system that registers a non-real name account in the form of a virtual account having a real account operated by the financial institution as a parent account, joins a predetermined fund through a predetermined communication network. A web server that handles fund subscriptions without a server 100 (e.g., real-name verification (e.g., financial real-name verification under the Real-Time Financial Transactions and Confidentiality Act and Concurrent Enforcement Decree (Presidential Decree No. 15744)), or A customer terminal 190 requesting to register (or open) a non-real name account for the online fund subscription with an affiliate web server of the fund management institution (or a financial institution)-a shopping mall web server, a home shopping web server, a portal server, etc .; It is connected to the customer terminal 190 through a predetermined communication network to receive predetermined fund subscription request information from the customer terminal 190, and the received fund subscription request information is predetermined. A fund subscription server 100 provided to an information processing server 145 provided at a financial institution, and the fund subscription server 100 is connected to a fund through a predetermined financial network to apply for the fund subscription from the fund subscription server 100. An information processing server 145 which receives information and processes and opens a non-real name account opened in correspondence with the fund subscription request information in the customer's name based on the received fund subscription request information; And a fund management server 185 for operating the fund product based on the non-real name account and the non-real name account processed.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based wireless LAN connected to a TCP / IP-based backbone network through the Internet banking server) And / or at least one client terminal (e.g., a personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN / portable A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) and / or a wireless data communication network based on DataTAC / Mobitex. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer applying for a subscription through an online channel may join the fund through at least one or more customer terminals 190 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 100 is connected.

Here, the wired terminal connected to the wired communication network of the customer terminal 190 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

The wireless terminal connected to the wireless communication network may include all terminal devices connected to a CDMA-based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The fund subscription server 100 is at least one fund management to the customer terminal 190 including at least one wired terminal (or wireless terminal) through a communication network including at least one wired communication network (or wireless communication network). And at least one fund product information operated by an institution (or a financial institution) and a fund subscription interface for processing the customer to join at least one or more of the fund products.

To this end, the customer terminal 190 outputs at least one fund product information and a fund subscription interface provided from the fund subscription server 100, and applies for at least one fund subscription through the fund product information and the fund subscription interface. A function configuration (eg, a browser program and a communication function, or a communication program and a communication function for communicating with the fund subscription server 100, etc.) for inputting and / or selecting information and transmitting the information to the fund subscription server 100 is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains, receive and output at least one or more fund product information and fund subscription interface provided from the fund subscription server 100 as described above, the fund product information and fund subscription Easy to characterize the client terminal 190 corresponding to at least one wired terminal (or wireless terminal) that inputs and / or selects at least one fund subscription request information through an interface and transmits it to the fund subscription server 100. Since it can be inferred, the detailed description thereof will be omitted for convenience.

According to the present invention, the fund subscription server 100 includes a fund product D / B 140 for storing at least one fund product information to be provided to the customer terminal 190, or interworking through a communication network. It features.

Herein, the fund product information includes at least one or more fund product names that can be subscribed online, at least one of fund investment information, minimum investment amount information, expected return information, minimum contract period information, and fund investment terms and conditions information. This is preferred.

According to the present invention, the fund subscription server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 190 through the communication network.

According to an embodiment of the present invention, when the customer terminal 190 includes a wired terminal (or a wireless terminal) connected to a predetermined wired communication network (or a wireless communication network), the interface unit 105 may include the wired communication network ( Or a predetermined communication channel with the customer terminal 190 based on a protocol stack defined in a wireless communication network), and at least one or more information using a communication protocol defined in a communication program included in the customer terminal 190. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 190, the interface unit 105 may be connected to the client terminal 190 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 190 is provided with a communication program provided by the fund subscription server 100, the interface unit 105 communicates with the customer terminal 190 based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 190 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 190 and using at least one communication protocol defined in a communication program included in the customer terminal 190 to transmit and receive at least one information (or data). Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 190, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the fund subscription server 100 is connected to the fund subscription server 100 through a predetermined client terminal 190 through the interface unit 105 to apply for a fund subscription. Information confirmation unit 110 for confirming at least one or more fund product information to be provided to the customer terminal 190 in connection with the B (140), and the fund subscription information for the confirmed fund product information and the fund product subscription Generate (or extract from a predetermined web source D / B (not shown)) a web page including a fund subscription interface for inputting (or selecting) and transmitting the generated (or selected), and generates the web page in association with the interface unit 105 ( Or an interface providing unit 115 for providing the extracted web page to the customer terminal 190 and the interface unit 105 through the fund subscription interface in the customer terminal 190. ) By An information receiving unit 120 for receiving fund subscription application information and an information relay unit 130 for providing the received fund subscription application information to an information processing server 145 provided at a financial institution through a predetermined financial network; It is characterized by comprising.

In addition, the fund subscription server 100 is a fund subscription received from the customer terminal 190 through the information receiving unit 120 for the post management of the fund subscription application information received through the information receiving unit 120. Storage medium 135 by linking the application information, the non-real name account issuance information comprising at least one or more non-real name account information established based on the fund subscription application information associated with the fund subscription application information and the fund subscription application information Characterized in that it further comprises an information storage unit 125 for storing in the non-real name account issuance information included in the non-real name account security information, false information processing received from the customer terminal 190 Information, virtual account processing information, non-face-to-face financial transaction consent information, and the like. Do.

When a predetermined client terminal 190 connects to the fund subscription server 100 through the interface unit 105 and requests to join the fund, the information checking unit 110 is linked with the fund product D / B 140. And at least one fund product information to be provided to the customer terminal 190. When the customer is specified through a login procedure in the process of accessing the customer terminal 190, the information checking unit 110 is provided. ) Is preferably linked to the fund product D / B (140) to identify at least one or more customized fund product information.

When at least one fund product information to be provided to the customer terminal 190 is confirmed, the interface providing unit 115 includes the identified fund product information and corresponds to a functional configuration provided in the customer terminal 190. Generate (or select) fund subscription application information for the fund subscription to generate at least one web document including a fund subscription interface for transmitting to the fund subscription server 100 through the communication network, and / or A web page including at least one web document extracted from a predetermined database (not shown) and interlocked with the interface unit 105 and generated (or extracted from a predetermined web source D / B (not shown)) It is characterized in that provided to the customer terminal 190 through the communication network.

Thereafter, the client terminal 190 selects at least one or more fund products to be applied for subscription among the fund product information based on the fund subscription interface, and inputs (or selects) fund subscription application information corresponding to the fund product to be applied for subscription. The fund subscription request information is transmitted to the fund subscription server 100 through the communication network.

According to an embodiment of the present invention, when the customer terminal 190 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 115 may be provided with a fund provided by a browser program provided in the wired terminal. At least one web document including an interface is generated (or extracted from a predetermined web source D / B (not shown)), and generated through the interface unit 105 (or a predetermined web source D / B (shown). It is preferable to provide a web page including at least one web document extracted from the) (to the customer terminal 190).

According to another exemplary embodiment of the present invention, when the customer terminal 190 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 115 may provide a browser program provided in the wireless terminal. Generate at least one web document (or extract from a predetermined web source D / B (not shown)) that includes a fund subscription interface of and generate the generated (or predetermined web source D) through the interface unit 105. It is preferable to provide a web page including at least one web document extracted from / B (not shown) to the customer terminal 190.

According to an embodiment of the present invention, a fund subscription interface for receiving (or selecting) predetermined fund subscription information from the client terminal 190 in the fund subscription server 100 may include at least one fund product among the customer. It preferably comprises a user interface for selecting at least one or more fund products to apply for subscription.

In addition, the fund subscription interface for inputting (or selecting) the fund subscription request information includes outputting the fund investment terms and conditions information to the client terminal 190 and including a user interface where the customer agrees to the terms and conditions. It is preferable.

In addition, a fund subscription interface for inputting (or selecting) the fund subscription application information may include a user interface for inputting an investment amount for the customer to invest in the fund product, and depositing the funds by transfering (or remitting) the investment amount. In this case, it is preferable to include a user interface for inputting the financial account information (for example, the original account information for the amount deposited into a non-real name account) in which the investment amount is withdrawn.

In addition, the fund subscription interface for receiving (or selecting) the fund subscription application information, customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail) for the customer applying for the fund product A user interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) provided in the fund subscription server 100. It is preferable to make.

Thereafter, the client terminal 190 corresponds to fund product selection information for selecting at least one or more fund products to which the customer applies (or purchases) among the plurality of fund products through the fund subscription interface, and corresponding to the fund products. Input (or select) the terms and conditions agreement information, the investment amount information, and the fund subscription application information including at least one of the customer information and transmits it to the fund subscription server 100 through the communication network.

According to an embodiment of the present invention, a fund subscription interface for inputting (or selecting) the fund subscription request information includes an account password for a non-real name account opened in correspondence with the fund subscription information, or at least through the non-real name account. The user interface may further include a user interface for inputting (or selecting) non-real name account security information including at least one financial transaction password for processing one or more non-face-to-face financial transactions.

The non-real name account security information may further include a personal identification number (PIN) and / or a customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the non-real name account established by the fund subscription application information. It is preferable to comprise, and this invention is not limited by this.

When a fund subscription interface for inputting (or selecting) the non-real name account security information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the non-real name account security information through the fund subscription interface. Thereafter, the input (or selected) non-real name account security information is transmitted to the fund subscription server 100 through the communication network, or the non-real name account security information is further included in the fund subscription application information. Transfer to the fund subscription server 100.

If the non-real name account security information is included in the fund subscription information, the non-real name account security information to secure the confidentiality (Authentication), Authentication (Integrity), Integrity (Nonrepudiation), etc. Non-real name account security information (or the fund subscription request information including the non-real name account security information) is preferably encrypted by at least one or more encryption method is transmitted to the fund subscription server 100.

According to an embodiment of the present invention, a fund subscription interface for receiving (or selecting) the fund subscription application information may be configured to open the non-real name account until the financial real name of the non-real name account established in correspondence with the fund subscription application information is confirmed. The customer terminal 190 includes information on provision of provisional provisions and provisional provisional processing period information (eg, a period during which the non-real name account is processed as a provisional provision before the verification of the financial real name for the non-real name account), etc. And a user interface for inputting (or selecting) the provisional provision information to which the customer agrees (or applies) the provisional provision information and the provisional processing period information.

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the fund product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 190, and The user interface for confirming consent for the information may be omitted.

When a fund subscription interface is provided to the customer terminal 190 to input (or select) the pseudo new processing information, the customer terminal 190 inputs (or select) the pseudo new processing information through the fund subscription interface. Thereafter, the input (or selection) of the new provision processing information is transmitted to the fund subscription server 100 through the communication network, or the fund subscription application information further includes the provision of the new provision processing information in the network Transfer to the fund subscription server 100 through.

According to the implementation method of the present invention, the fund subscription interface for inputting (or selecting) the fund subscription request information includes a real account for operating a non-real name account established in response to the fund subscription request information at the financial institution as a parent account. Input (or select) virtual account processing information including parent account management institution information including at least one financial institution and parent account information corresponding to a real account operated by the mother account operating institution in order to open a virtual account; It is preferable that the user interface further comprises.

When a fund subscription interface is provided to the customer terminal 190 for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information, the client terminal 190 is provided with the fund subscription interface. After the virtual account processing information is input (or selected), the input (or selected) virtual account processing information is transmitted to the fund subscription server 100 through the communication network, or the virtual account in the fund subscription request information. Further including the processing information is transmitted to the fund subscription server 100 through the communication network.

In addition, when the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or a fund subscription interface for inputting (or selecting) the fund subscription application information, when the customer has not processed a financial transaction with the financial institution. And a user interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms, and wherein the customer is a financial transaction customer of the financial institution. The user interface may be omitted, or according to the intention of the skilled person Party interface but may be included in non-face-to-face financial transaction agree that the information stated below.

If the financial transaction application terms are included in the terms and conditions information corresponding to the fund product, or if the financial transaction application is processed during the real name verification process for the fund product, the customer applies for the financial transaction to the financial institution. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the financial transaction application information through the fund subscription interface. Afterwards, the input (or selected) financial transaction application information is transmitted to the fund subscription server 100 through the communication network, or the financial subscription application information further includes the financial transaction application information (not shown). By transmitting to the fund subscription server 100 through the communication network, in FIG. 1, the financial transaction application information will be described as being included in the non-face-to-face financial transaction agreement information specified below for convenience.

In addition, if the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or when the customer has no history of financial transactions with the financial institution, or when the customer is a non-face-to-face financial transaction customer (eg, an Internet banking member or a wireless banking member, or a TV banking member) of the financial institution, or In the case of not being a home banking member, etc.), a fund subscription interface for receiving (or selecting) the fund subscription application information may include at least one or more non-face-to-face financial transaction channels with the financial institution through the customer terminal 190. Non-face-to-face financial transaction terms and conditions for processing non-face-to-face financial transactions (eg, internet banking subscription terms, or Pre-banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the customer enters (or selects) non-face-to-face financial transaction agreement information that agrees to the non-face-to-face financial transaction terms information. It is preferable to further comprise a user interface.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the fund product, or the non-face-to-face financial transaction application is processed in the real name verification process for the fund product, or the fund-related finance using the non-real name account If non-face-to-face financial transaction authentication is omitted for the transaction, the customer agrees to (or applies for) a face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 inputs the non-face-to-face financial transaction agreement information through the fund subscription interface. After (or select), the input (or selected) non-face-to-face financial transaction agreement information is transmitted to the fund subscription server 100 through the communication network, or the non-face-to-face financial transaction agreement information in the fund subscription application information It further includes a transmission to the fund subscription server 100 through the communication network.

When the customer terminal 190 inputs (or selects) predetermined fund subscription request information through the fund subscription interface and transmits the information through the communication network, the information receiver 120 interoperates with the interface unit 105. Characterized in that it receives the fund subscription request information, and if the received fund subscription request information is encrypted, preferably further comprises a function for decrypting the encrypted fund subscription request information.

In addition, the client terminal 190 inputs (or selects) predetermined non-real name account security information through the fund subscription interface and transmits the information through the communication network, or the non-real name account security information is transmitted from the customer terminal 190. When the transmission is included in the fund subscription request information, the information receiver 120 may receive the non-real name account security information in association with the interface unit 105.

In addition, the customer terminal 190 inputs (or selects) predetermined false processing information through the fund subscription interface and transmits the information through the communication network, or the false information processing information is stored in the customer terminal 190. When the transmission is included in the fund subscription information, the information receiving unit 120 may be connected with the interface unit 105 to receive the provisional processing information.

In addition, the client terminal 190 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the fund subscription interface and transmits the information through the communication network, or the client terminal 190. When the virtual account processing information is included in the fund subscription request information and transmitted,), the information receiving unit 120 interoperates with the interface unit 105 to provide the virtual account processing institution information and the mother account information. Characterized in that it receives.

In addition, the client terminal 190 inputs (or selects) predetermined financial transaction application information through the fund subscription interface and transmits the information through the communication network, or sends the financial transaction application information to the customer terminal 190. When the transmission is included in the fund subscription application information, the information receiving unit 120 may be connected with the interface unit 105 to receive the financial transaction application information.

In addition, the client terminal 190 inputs (or selects) predetermined non-face-to-face financial transaction agreement information through the fund subscription interface and transmits it through the communication network, or the non-face-to-face financial transaction in the client terminal 190. When the agreement information is included in the fund subscription request information and transmitted, the information receiver 120 may receive the non-face-to-face financial transaction agreement information in association with the interface unit 105.

The information storage unit 125 stores the fund subscription request information received through the information receiving unit 120 in a non-real name account issuing information and stores the information in a predetermined storage medium 135, whereby the fund The subscription server 100 provides a basis for receiving a fee for attracting the fund subscription customer from the financial institution based on the fund subscription application information stored in the storage medium 135.

When the non-real name account security information is received through the information receiving unit 120, the information storage unit 125 stores the non-real name account issuing information obtained by linking the non-real name account security information to the fund subscription request information. And the non-real name account security information is used by the fund subscription server 100 (or the non-real name account based fund management server 185) to authenticate a fund-related financial transaction using the non-real name account. do.

When the new provision processing information is received through the information receiving unit 120, the information storage unit 125 stores the non-real name account issuing information obtained by linking the new provision processing information to the fund subscription request information. And the new provision processing information is used in the non-real name account until the financial real name verification for the non-real name account in the fund subscription server 100 (or the non-real name account-based fund management server 185) Provide a basis for handling fund-related financial transactions.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the fund subscription request information. And storing the non-real name account issuing information in the storage medium 135, wherein the virtual account processing information is stored in the non-real name account in the fund subscription server 100 (or the non-real name account-based fund management server 185). Provides a basis for processing a fund-related financial transaction using the non-real name account based on a virtual account whose parent account is the real account operated by the financial institution until the Korean financial real name is confirmed.

When the non-face-to-face financial transaction agreement information is received through the information receiving unit 120, the information storage unit 125 displays the non-real name account issuing information in which the non-face-to-face financial transaction agreement information is processed in association with the fund subscription request information. Characterized in that the non-face-to-face financial transaction agreement information is confirmed by the fund subscription server 100 (or the non-real name account-based fund management server 185) for the financial real name of the non-real name account. Provides a basis for processing fund-related financial transactions using the non-real name account until now.

According to the method of the present invention, the information storage unit 125, if the predetermined non-real name account corresponding to the fund subscription application information is opened by the information processing server 145, the fund subscription server 100 (or The non-real name account-based fund management server 185 may further include the non-real name account information opened by the information processing server 145 in the non-real name account issuing information to process a fund-related financial transaction using the non-real name account. It is preferable to replace the fund subscription application information stored in the storage medium 135 or included in the non-real name account issuance information with the non-real name account information opened by the information processing server 145, thereby limiting the present invention. Not.

Here, the non-real name account information is included in the non-real name account number in the form of a virtual account number generated by the provisional opening unit 165 and the virtual account processing unit 170 of the information processing server 145, and the fund subscription application information. It is preferable to include the account holder information corresponding to the customer information, the fund subscription server 100 operating institution information and the financial institution information that the non-real name account is opened.

The information relay unit 130 may use the fund subscription information received through the information receiving unit 120 to correspond to the fund product through a predetermined financial network (eg, a non-real name account corresponding to the fund product is opened). It is characterized in that the relay transmission to the information processing server 145 provided in the financial institution.

Here, the financial network connecting the fund subscription server 100 and the information processing server 145 may include a dedicated communication network that blocks access by a third party other than the fund subscription server 100 and the information processing server 145. / Or a secure communication network that provides a secure communication function between the fund subscription server 100 and the information processing server 145 (for example, the fund subscription server 100 to encrypt the fund subscription application information by a predetermined encryption method to the information). And a communication network for transmitting to the processing server 145 and decrypting the fund subscription request information through the decryption method corresponding to the encryption method in the information processing server 145).

When the non-real name account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the fund product through the predetermined financial network (for example, to the fund product). Relaying to the information processing server 145 provided at the financial institution corresponding to the non-real name account, whereby the information processing server 145 sends the fund subscription server to the financial system provided at the financial institution. In step 100, a non-real name account capable of processing a financial transaction through the non-real name account security information is opened.

When the new provision processing information is received through the information receiving unit 120, the information relay unit 130 corresponds to the fund product through the predetermined financial network (for example, to the fund product). And relaying to the information processing server 145 provided at the financial institution corresponding to the non-real name account, whereby the information processing server 145 requests to join the fund to the financial system provided at the financial institution. Open a non-real name account opened in response to the information.

When the financial transaction application information is received through the information receiver 120, the information relay unit 130 corresponds to the fund product through the predetermined financial network (eg, to the fund product). It is characterized in that the transmission to the information processing server 145 provided in a financial institution (where a corresponding non-real name account is opened), whereby the information processing server 145 is a customer of the fund subscription If not, a non-real name account opened in correspondence with the fund subscription application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 transmits the virtual account processing information to the fund product through a predetermined financial network. The information processing server 145 is relayed to the information processing server 145 provided at a financial institution corresponding to (e.g., a non-real name account corresponding to the fund product), whereby the information processing server 145 transmits the information to the financial institution. A non-real name account opened in correspondence with the fund subscription application information is set up in the financial system provided in the form of a virtual account having a real account operated by the financial institution as a parent account.

When the non-face-to-face financial transaction agreement information is received through the information receiver 120, the information relay unit 130 corresponds to the fund product through the non-face-to-face financial transaction agreement information through a predetermined financial network (eg, And relaying to the information processing server 145 provided in the financial institution, in which a non-real name account corresponding to the fund product is opened, whereby the information processing server 145 is transferred to the financial system provided in the financial institution. The fund subscription server 100 opens a non-real name account that processes a fund-related financial transaction using the non-real name account in a non-face to face manner.

According to another exemplary embodiment of the present invention, when the information processing server 145 is provided with a fund subscription server 100 function and / or the information processing server 145 is a predetermined banking server, the information relay unit 130, the client terminal 190 and the information processing server 145 by connecting and relaying, the information processing server 145 from the customer terminal 190 in the fund subscription request information (or false new processing) Information, non-real-name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) may be relayed to directly provide a predetermined fund subscription interface, thereby providing the information processing server. 145 is the fund subscription application information (or a new transaction information, non-real name account security information, financial transaction application information, virtual account processing) from the customer terminal 190 through a predetermined communication network Information, non-face-to-face financial transaction agreement information, etc.), and the present invention is not limited thereto.

According to another embodiment of the present invention, between the fund subscription server 100 and the information processing server 145 relays at least one or more fund subscription server 100 and the information processing server 145, and / Or a predetermined relay relaying the fund subscription server 100 and the at least one information processing server 145 and / or relaying the at least one fund subscription server 100 and the at least one information processing server 145. It is possible to further include a server (not shown), whereby the present invention is not limited.

Referring to Figure 1, the information processing server 145 is the fund subscription application information provided from the fund subscription server 100 through the financial network (or new information processing information, non-real name account security information, financial transaction application information Information processing unit 175 for receiving virtual account processing information, non-face-to-face financial transaction agreement information, and the like, and a beneficiary certificate generation unit 180 for generating beneficiary certificate information corresponding to the fund subscription application information; In addition, the non-real name establishment unit 165, which establishes a non-real name account including a beneficiary certificate corresponding to the fund subscription application information received through the information receiving unit 175, in association with the system, The virtual account processing unit 170 for processing an account in the form of a virtual account using a real account operated by the financial institution, and the non-real name account in the form of the virtual account application The new provision management unit 155, which manages before the real name verification for the account, and confirms whether the real name of the customer of the financial transaction application for the non-real name account opened as a new provision in response to the fund subscription application information is confirmed within a predetermined real name verification period. The real name processing unit 160 and the real account processing unit for processing the non-real name account opened in the new provisions as a new financial account when the real name for the non-real name account established in the provisional provisions corresponding to the fund application information is confirmed ( And 150).

The information receiving unit 175 is the fund subscription application information (or provisional new information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face) provided from the fund subscription server 100 through the financial network Financial transaction consent information, etc.), and the received fund subscription application information (or new provisional processing information, non-real name account security information, financial transaction application information, virtual account processing information, and non-face-to-face financial transaction consent information). Etc.) is provided to the trailing device 165.

Fund subscription application information provided from the fund subscription server 100 according to one embodiment of the present invention (or false information processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information) Etc.), the information receiving unit 175, the encrypted fund subscription application information (or new transaction processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) It is preferable to further comprise a function for decoding the.

Through the information receiving unit 175 from the fund subscription server 100, the fund subscription application information (or pseudonym processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) ) Is provided, the beneficiary certificate generator 180 generates beneficiary certificate information for operating a fund corresponding to the fund product selection information included in the fund subscription application information.

When the beneficiary certificate information for the fund operation is generated, the new provision establishment unit 165 is the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non- Read the face-to-face financial transaction agreement information and the like through the predetermined financial system to apply for the fund subscription information (or new transaction information, non-real name account security information, financial transaction application information, virtual account processing information, and non-face-to-face financial transaction agreement information). It is characterized by opening a non-real name account containing beneficiary certificates corresponding to).

In this case, the profit opening establishment unit 165 corresponding to the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) Opening a non-real name account containing securities on a new basis may include: applying for the fund subscription information (or new information processing information, non-real name account security information, financial transaction application information, virtual account) to the ledger D / B provided on the financial system. And registering the customer ledger and the non-real name account ledger corresponding to the processing information, non-face-to-face financial transaction agreement information, etc.).

According to one embodiment of the present invention, a non-real name account ledger for the non-real name account corresponding to the fund subscription information, the ledger in the form of an account ledger corresponding to a newly opened non-real name account based on the fund subscription information It is preferable to register with D / B and store predetermined temporary information for managing the non-real name account in association with the non-real name account ledger.

According to another exemplary embodiment of the present invention, a non-real name account ledger for the non-real name account corresponding to the fund subscription information is based on an account ledger corresponding to a virtual account associated with a predetermined parent account based on the fund subscription information. It is preferable to register in the General Ledger D / B, wherein the parent account is registered in the General Ledger D / B on the financial system, or the ledger D / on the financial system to register the non-real name account. It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The non-real name account corresponding to the registered non-real name account ledger is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, financing through the non-real name financial account Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or investment amount) into the non-real name account by the Financial Real Name Transaction and Confidential Security Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 165 is the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-received through the fund subscription server 100) Based on face-to-face financial transaction agreement information, etc.), a procedure of opening the non-real name account (e.g., registering a non-real name account ledger) in conjunction with external and / or information systems provided in the financial system. The result is provided to the virtual account processor 170.

If the person skilled in the art to which the present invention belongs, the detailed procedure of opening the non-real name account (e.g., registering a non-real name account ledger) in conjunction with the financial system, the new establishment section (165) Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 170 processes the non-real name account (or non-real name account ledger) opened by the provisional opening unit 165 as a virtual account using a real account operated by the financial institution as a parent account. do.

According to the method of the present invention, the non-real name account ledger corresponding to the non-real name account processed in the form of a virtual account having a real account operated by the financial institution as the parent account does not include the conventional virtual account ledger information. It is preferable to include real account ledger information (for example, ledger information including an account number following an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name of the non-real name account is confirmed. Preferably, the non-real-name account is processed in the form of a virtual account having a real account operated by the financial institution until the real name is verified.

According to another exemplary embodiment of the present invention, the non-real name account ledger corresponding to the non-real name account processed in the form of a virtual account having a real account operated by the financial institution as the parent account may include a real account operated by the financial institution as the parent account. It may also include virtual account ledger information (eg, ledger information including an account number according to the virtual account number system), in which case the virtual account ledger information is converted into real account ledger information ( For example, it is possible to convert (or replace) ledger information including an account number following an account number system corresponding to a real account, and the present invention is not limited thereto.

Thereafter, the new provision management unit 155 processes and operates a non-real name account established as the new provision as a virtual account which is operated by the financial institution until the real name confirmation for the customer applying for fund is used as a parent account. It is done.

According to the method of the present invention, the provisional management unit 155 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the non-real name account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the non-real name account through the financial system, the provisional management unit 155 processes the withdrawal amount to withdraw the amount deposited in the virtual account (eg And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest on the amount deposited in the non-real name account is calculated through the financial system, the non-real name in the form of a virtual account having a real account operated by the financial institution as the parent account is provided. Characterized in that interest is processed as an account.

As described above, by processing a non-real name account as a virtual account using a real account operated by the financial institution as a parent account, the provisional management unit 155 is responsible for the law and trade on financial real name transactions and confidentiality until the non-real name account is verified. Prevent violations of the Decree (Presidential Decree 15744).

The real name verification unit 160 is the law and concurrent orders on the financial real name system transactions and confidentiality while the non-real name account opened by the new provision establishment unit 165 is managed by the new provision management unit 155 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the fund is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name verification unit 160 checks whether the real name of the customer applying for the fund for the non-real name account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to confirm.

According to another exemplary embodiment of the present invention, the fund subscription customer is a conventional financial transaction customer for the financial institution, and the fund subscription customer is an Internet banking customer corresponding to the financial institution (eg, the financial In the case where the institution has implemented the real name verification process for the customer applying for the fund subscription), the real name verification unit 160 is the fund for the non-real name account through the certificate-based real name verification process defined in the Internet banking system It is desirable to verify that the real name of the customer applying for subscription is confirmed.

According to another exemplary embodiment of the present invention, if the fund subscription customer is a conventional financial transaction customer for the financial institution, and the fund subscription customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer who applied for the fund subscription), the real name verification unit 160 is the official certificate-based real name verification process defined in the wireless banking system for the non-real name account It is advisable to check that the real name of the customer applying for the fund is confirmed.

According to another embodiment of the present invention, the fund subscription customer is a conventional financial transaction customer to the financial institution, and the fund subscription customer is a telebanking and / or home banking corresponding to the financial institution, and / Or if the TV banking customer (for example, the financial institution has implemented the real name verification process for the customer to apply for the fund), the real name verification unit 160 is a certificate-based real name defined in the wireless banking system Through the verification process, it is possible to confirm whether the real name of the customer applying for the fund for the non-real name account is confirmed, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 160 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the fund within a predetermined real name verification period. It is desirable to periodically request the fund subscription customer to perform a real name verification procedure for a non-real name account using a telemarketing function.

Alternatively, the real name verification unit 160 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer applying for the fund within a predetermined real name verification period. It is preferable to periodically request the fund subscription customer to perform a real name verification process for a non-real name account using the.

Alternatively, when the fund subscription customer is a conventional financial transaction customer for the financial institution, the real name verification unit 160 checks the real name of the fund subscription customer within a predetermined real name verification period, the fund A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform a real name verification procedure for a non-real name account for the fund subscription customer. It is desirable to request.

If a real name for the fund subscription customer is confirmed within a predetermined real name verification period, the real name verification unit 160 generates real name verification information for the fund subscription customer and provides it to the real account processing unit 150. do.

Alternatively, when the real name of the fund subscription customer is confirmed within the predetermined real name confirmation period, the real name verification unit 160 generates real name unconfirmed information about the fund subscription customer and generates the real account processing unit 150. To provide.

When the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including the confirmed name of the customer for the fund subscription request within the real name confirmation period, the real account processing unit 150 in conjunction with the financial system The non-real-name account processed by the new provision opening unit 165 and / or the new provision management unit 155 as a new provision is characterized in that it is processed as a valid new financial account.

According to the exemplary embodiment of the present invention, when real name verification information is provided from the real name verification unit 160 including the real name of the customer who applied for the fund subscription within the real name verification period, the real account processing unit 150 is provided. Is valid for all financial transactions on the non-real name account processed by the provisional opening unit 165 and / or provisional management section 155 as a provisional provision in connection with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an exemplary embodiment of the present invention, when a lock is set such that the amount deposited in the opened non-real name account is not withdrawn by any financial transaction until the real name verification for the non-real name account, the real account processing unit 150 is It is preferable to unlock the non-real name account in connection with the external and / or information system provided in the financial system, whereby the non-real name account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another exemplary embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened non-real name account is linked with the non-real name account and is provided with a withdrawal prevention function. When transferred to the virtual account of the, the real account processing unit 150, in conjunction with the external and / or information system provided in the financial system withdraw the amount deposited in the withdrawal virtual account to the non-real name account (or re- Transfer) and / or remove (or erase) the withdrawal virtual account, whereby the non-real name account processed as a pseudonym is treated as a valid new financial account capable of all financial transactions.

According to yet another embodiment of the present invention, the financial system is provided with a new account processing mother account for the non-real name account, and the opened non-real name account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into a non-real name account processed as a virtual account equipped with the withdrawal prevention function by the account, the real account processing unit 150 and the external system provided in the financial system; Or canceling the withdrawal prevention function of the non-real name account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and providing (or erasing) the virtual account function associated with the new account processing mother account. Preferably, the non-real name account processed under the provisional provisions is treated as a valid new financial account capable of all financial transactions. Lee.

According to the method of the present invention, when the real account processing unit 150 processes the non-real name account as a valid new financial account capable of all financial transactions, the non-real name account establishment date is the information receiving unit 175 the fund subscription server Date of receiving the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) from the (100), or the new provision establishment section It is preferable that 165 retroactively apply any one of the dates when the non-real name account is opened on the financial system.

According to the present invention, a real name confirmation unit 160 confirms the real name of the customer applying for financial transactions with respect to the non-real name account opened as the pseudonym, and when the real name for the non real name account is confirmed, The real account processing unit 150 for processing a non-real name account as a new financial account is preferably provided in the fund management server 185 for managing a fund subscribed to by the customer based on the non-real name account.

According to an embodiment of the present invention, the fund management server 185 periodically (or fund-related finance) in the process of operating the fund through the non-real name account based on the real name verification unit 160 and real account processing unit 150 In response to the transaction processing) confirming the real name of the customer applying for the financial transaction to the non-real name account, and if the real name of the non-real name account is confirmed, it is preferable to process the non-real name account opened as a new financial account. .

According to another exemplary embodiment of the present invention, when the fund management server 185 repurchases the funds through the non-real name account, the fund management server 185 is based on the real name verification unit 160 and the real account processing unit 150 for the non-real name account. When the real name of the customer applying for financial transactions is confirmed, and the real name of the non-real name account is confirmed, it is preferable to process the non-real name account opened as the new provision as a new financial account.

According to another exemplary embodiment of the present invention, the fund management server 185 is the real name confirmation unit when the expiration of the funds to which the customer subscribed, or processing the principal and the profits invested in the funds subscribed to the customer 160 confirms the real name of the financial transaction application customer for the non-real name account based on the real account processing unit 150, and if the real name of the non-real name account is confirmed, the new non-real name account opened with the new provision It is preferable to treat with.

2 is a diagram illustrating the configuration of non-real name ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 is a virtual account type corresponding to a non-real name account registered through the non-real name account registration system shown in FIG. 1 in the ledger D / B 200 provided on the financial system shown in FIG. It shows the registration of the non-real name account ledger information, and specifically shows the implementation method of processing the virtual account ledger with the real account of the financial institution as the non-real name account ledger.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to treat a virtual account ledger having a real account of the financial institution as the parent account in the ledger D / B as a non-real name account ledger. Various information configuration methods may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, when registering a non-real name account in the form of a virtual account linked to a parent account that is a real account of the financial institution through the non-real name account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the mother account and the fund subscription customer ledger information corresponding to the fund subscription customer.

Here, the financial institution customer ledger information and the fund subscription customer ledger information preferably satisfies the configuration of the customer ledger information as described above.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real accounts of the financial institution corresponds to the parent accounts of the non-real name accounts registered through the non-real name account registration system shown in FIG.

The virtual account ledger is connected to the account ledger corresponding to the real account of the financial institution in a relational form, and the non-real name ledger information corresponding to the non-real name account registered through the non-real name account registration system shown in FIG. The non-real name account ledger information may include information on beneficiary certificates corresponding to the funds to which the customer has subscribed, and the parent account number and parent account management institution (= financial institution) information for processing the non-real name account as a virtual account. Characterized in that it comprises an information configuration that further comprises.

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real-name account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to the method of the present invention, the non-real name ledger information is preferably linked to the additional information ledger for storing the fund product information corresponding to the fund product to which the customer subscribed, the fund product information is the name of the fund product And, it is preferable to include at least one or more, such as fund investment information, expected yield information, contract period information.

3 is a diagram showing the configuration of non-real name ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 is a virtual account type corresponding to a non-real name account registered through the non-real name account registration system shown in FIG. 1 in the ledger D / B 300 provided on the financial system shown in FIG. It shows the registration of the non-real name account ledger information, specifically, the account ledger corresponding to the real account of the financial institution based on the virtual account processing information, and the non-real name account in the form of a virtual account using the real account of the financial institution as the parent account. It shows the implementation method in connection with the ledger.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 and the account ledger corresponding to the real account of the financial institution based on the virtual account processing information. Although various information construction methods may be inferred in connection with a non-real name account ledger in the form of a virtual account having a real account as a parent account, the present invention includes all the inferred implementation methods, and is limited to the implementation method illustrated in FIG. Not.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, when registering a non-real name account in the form of a virtual account linked to a parent account that is a real account of the financial institution through the non-real name account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the mother account and the fund subscription customer ledger information corresponding to the fund subscription customer.

Here, the financial institution customer ledger information and the fund subscription customer ledger information preferably satisfies the configuration of the customer ledger information as described above.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real accounts of the financial institution corresponds to the parent accounts of the non-real name accounts registered through the non-real name account registration system shown in FIG.

The non-real name account ledger stores non-real name account ledger information corresponding to a non-real name account registered through the non-real name account registration system shown in FIG. 1, wherein the non-real name account ledger information corresponds to a fund subscribed to by the customer. Characterized in that it comprises the beneficiary certificate information.

According to the method of the present invention, the non-real name account ledger is linked to the account ledger corresponding to the financial institution real account, the non-real name account number and the mother account number corresponding to the financial institution real account, and the mother account management institution Preferably, the virtual account processing information including at least one information (= financial institution information) is linked in the form of additional ledger information, and the virtual account processing information is also linked in relation to the account ledger corresponding to the actual account of the financial institution. It is desirable to.

The non-real name account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with a non-real name account in the form of the virtual account, and the non-real name account number preferably follows a real account number system, and is intended by those skilled in the art. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the non-real name account as a virtual account among the account numbers of the financial institution name.

Preferably, the parent account operating institution information of the virtual account processing information includes the financial institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real-name account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to the method of the present invention, the non-real name ledger information is preferably linked to the additional information ledger for storing the fund product information corresponding to the fund product to which the customer subscribed, the fund product information is the name of the fund product And, it is preferable to include at least one or more, such as fund investment information, expected yield information, contract period information.

4 is a diagram showing the configuration of non-real name ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a non-real name ledger in the form of a virtual account corresponding to a non-real name account registered through the non-real name account registration system shown in FIG. 1 in a ledger D / B provided on the financial system shown in FIG. As shown in the registered information, specifically linked with the account ledger corresponding to the real account of the financial institution based on the virtual account processing information, and the non-real name account ledger in the form of a virtual account using the real account of the financial institution as the parent account. In addition, it shows an implementation method of linking the provisional processing information to the non-real name ledger in the form of additional information ledger.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 and the account ledger corresponding to the real account of the financial institution based on the virtual account processing information. It is possible to infer various information configuration methods for linking the non-real name account ledger in the form of a virtual account having a real account as the parent account, and for linking the provisional processing information to the non-real name ledger in the form of an additional information ledger. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, when registering a non-real name account in the form of a virtual account linked to a parent account that is a real account of the financial institution through the non-real name account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the mother account and the fund subscription customer ledger information corresponding to the fund subscription customer.

Here, the financial institution customer ledger information and the fund subscription customer ledger information preferably satisfies the configuration of the customer ledger information as described above.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real accounts of the financial institution corresponds to the parent accounts of the non-real name accounts registered through the non-real name account registration system shown in FIG.

The non-real name account ledger stores non-real name account ledger information corresponding to a non-real name account registered through the non-real name account registration system shown in FIG. 1, wherein the non-real name account ledger information corresponds to a fund subscribed to by the customer. Characterized in that it comprises the beneficiary certificate information.

According to the method of the present invention, the non-real name account ledger is linked to the account ledger corresponding to the financial institution real account, the non-real name account number and the mother account number corresponding to the financial institution real account, and the mother account management institution Preferably, the virtual account processing information including at least one information (= financial institution information) is linked in the form of additional ledger information, and the virtual account processing information is also linked in relation to the account ledger corresponding to the actual account of the financial institution. It is desirable to.

The non-real name account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with a non-real name account in the form of the virtual account, and the non-real name account number preferably follows a real account number system, and is intended by those skilled in the art. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the non-real name account as a virtual account among the account numbers of the financial institution name.

Preferably, the parent account operating institution information of the virtual account processing information includes the financial institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real-name account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to the method of the present invention, the non-real name account ledger is a non-real name account number corresponding to the non-real name account, the date of establishment of the new name, the name of the new name established expiration date, extension of the real name verification period, and before real name confirmation It is preferable to generate predetermined false processing information including at least one deposit, and store the generated false processing information in association with the non-real name ledger in the form of additional information ledger.

However, in the case where the non-real name ledger is provided in the form of a virtual account, as shown in FIG. 1, when the non-real name account information is omitted in the non-real name account registration process according to the intention of the skilled person, the false information processing information It may also be omitted according to the intention of those skilled in the art, whereby the present invention is not limited.

The non-real name account number of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with a non-real name account in the form of the virtual account, and the non-real name account number preferably follows a real account number system, and is intended by those skilled in the art. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

In addition, the date of establishment of the provision of new provisional processing information is the date when the non-real name account was established on the ledger D / B. Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for the fund for the non-real name account within the expiration date of the real name verification.

In addition, the extension of the real name confirmation period of the new provision processing information is to confirm the extension of the real name confirmation expiration date, if the real name confirmation period is extended after the real name confirmation expiration date, the customer who applies for the fund within the expiration date of the real name confirmation If the real name of the fund subscription customer is not confirmed, it is preferable that the fund is repeatedly extended until the real name of the customer applying.

In addition, the deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other non-real name account) to the opened non-real name account before the real name of the customer applying for fund for the non-real name account is confirmed When the deposit is made, as the amount information deposited in the non-real name account, the real name verification pre-deposit is matched with the account balance of the non-real name account ledger.

According to the method of the present invention, the non-real name ledger information is preferably linked to the additional information ledger for storing the fund product information corresponding to the fund product to which the customer subscribed, the fund product information is the name of the fund product And, it is preferable to include at least one or more, such as fund investment information, expected yield information, contract period information.

5 is a diagram illustrating an information providing process for opening a non-real name account and registering a non-real name account operating in a virtual account form according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the fund subscription server 100 shown in FIG. 1 provides a predetermined fund subscription interface to the client terminal 190, the client terminal 190 selects a predetermined fund subscription interface through the fund subscription interface. Input (or select) fund subscription application information to the fund subscription server 100 through a predetermined communication network, and the fund subscription server 100 provides the fund subscription application information through a predetermined financial network. As a process provided to the information processing server 145 provided in the institution, those of ordinary skill in the art to which the present invention pertains, by referring to and / or modifying the present figure 5 in the customer terminal 190 Various implementation methods of providing the fund subscription application information to the information processing server 145 through the fund subscription server 100 may be inferred, but the present invention provides a method of inferring the implementation method. All are included, and are not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the fund subscription application information is provided from the customer terminal 190 to the fund subscription server 100. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the fund subscription request information in the customer terminal 190 in response to the fund subscription interface provided by the fund subscription server 100 to the customer terminal 190, and / or non-real name account security information, and / Or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information may be inferred, but the present invention is the customer terminal 190 in the false new processing Implementations that provide information, and / or non-blind account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. Law, and the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the fund subscription server 100 corresponding to the security function provided in the financial network connecting the fund subscription server 100 and the information processing server 145. ) And encrypts the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.), and the information processing server 145. In the present invention, it is possible to infer an implementation method of decrypting the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.), but the present invention. Includes the inferred implementation method, whereby the present invention is not limited.

Referring to FIG. 5, when the customer terminal 190 shown in FIG. 1 is connected to the fund subscription server 100 through a communication network including at least one wired communication network (or a wireless communication network) (500), the fund The subscription server 100 confirms at least one fund product information to be provided to the customer terminal 190 in connection with the fund product D / B 140 and provides the information to the customer terminal 190 through the communication network (S). In step 505, the client terminal 190 periodically checks whether it is requested to provide a fund subscription interface (510).

If the fund subscription interface is requested from the client terminal 190 (515), the fund subscription server 100 may include at least one web document including a predetermined fund subscription interface to be provided to the client terminal 190. It generates (or extracts from a predetermined web source D / B (not shown)) (520), and provides a web page including the generated (extracted) web document via the communication network to the mobile terminal to output (525) ).

Thereafter, the client terminal 190 inputs (or selects) predetermined fund subscription application information through the fund subscription interface (530), and the fund subscription application information is applied by the customer (or among the plurality of fund products). And at least one fund product selection information for selecting at least one fund product to purchase, at least one agreement information corresponding to the fund product, the investment amount information, and the customer information.

When the fund subscription request information is input (or selected) as described above, the customer terminal 190 transmits the fund subscription request information to the fund subscription server 100 through the communication network (535).

According to an embodiment of the present invention, the fund subscription interface may include a user interface for selecting at least one or more fund products to which the customer applies for subscription among at least one or more fund products.

In addition, the fund subscription interface, and outputs the fund investment terms and conditions information to the customer terminal 190, and preferably comprises a user interface that the customer agrees to the terms.

The fund subscription interface may include a user interface for inputting an investment amount to be invested in the fund product, and financial account information in which the investment amount is withdrawn when the investment amount is deposited by bank transfer (or remittance). Preferably a user interface for inputting (e.g., original account information for the amount deposited into a non-real name account).

In addition, the fund subscription interface, input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the fund product, and And / or a user interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the fund subscription server 100.

According to an embodiment of the present invention, the fund subscription interface may include an account password for a non-real name account opened in response to the fund subscription request information, or a financial transaction for processing at least one non-face-to-face financial transaction through the non-real name account. Preferably, the method further includes a user interface for inputting (or selecting) non-real name account security information including at least one password.

The non-real name account security information may further include a personal identification number (PIN) and / or a customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the non-real name account established by the fund subscription application information. It is preferable to comprise, and this invention is not limited by this.

When a fund subscription interface for inputting (or selecting) the non-real name account security information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the non-real name account security information through the fund subscription interface. Thereafter, the input (or selected) non-real name account security information is transmitted to the fund subscription server 100 through the communication network, or the non-real name account security information is further included in the fund subscription application information. Transfer to the fund subscription server 100.

If the non-real name account security information is included in the fund subscription information, the non-real name account security information to secure the confidentiality (Authentication), Authentication (Integrity), Integrity (Nonrepudiation), etc. Non-real name account security information (or the fund subscription request information including the non-real name account security information) is preferably encrypted by at least one or more encryption method is transmitted to the fund subscription server 100.

According to the implementation method of the present invention, the fund subscription interface, and the provisions of the provisions of the new provisions that specify that the non-real name account will be treated as a new provision until the financial real name for the non-real name account opened in response to the fund subscription application information; Information on the provisional processing period information (eg, a period during which the non-real name account is processed as a provisional provision before the verification of the financial real name of the non-real name account) and the like are output to the customer terminal 190, and the customer informs the provisional provision information. And a user interface for inputting (or selecting) the provisional processing information to agree (or apply for) the provisional processing period information.

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the fund product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 190, and The user interface for confirming consent for the information may be omitted.

When a fund subscription interface is provided to the customer terminal 190 to input (or select) the pseudo new processing information, the customer terminal 190 inputs (or select) the pseudo new processing information through the fund subscription interface. Afterwards, the input (or selected) the new provision processing information is transmitted to the fund subscription server 100 through the communication network, or the fund subscription application information further includes the new provision processing information through the communication network. Transfer to the fund subscription server 100.

According to an embodiment of the present invention, the fund subscription interface may be configured to open the financial institution in order to open a non-real name account opened in response to the fund subscription application information in the form of a virtual account having a real account operated by the financial institution as a parent account. It is preferable to further include a user interface for inputting (or selecting) mother account management institution information including at least one or more, and virtual account processing information including mother account information corresponding to a real account operated by the mother account management institution.

When a fund subscription interface is provided to the customer terminal 190 for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information, the client terminal 190 is provided with the fund subscription interface. After the virtual account processing information is input (or selected), the input (or selected) virtual account processing information is transmitted to the fund subscription server 100 through the communication network, or the virtual account in the fund subscription request information. Further including the processing information is transmitted to the fund subscription server 100 through the communication network.

In addition, if the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or when the customer does not have a history of processing a financial transaction with the financial institution), the fund subscription interface outputs financial transaction application terms and conditions information for processing the first financial transaction with the financial institution to the customer terminal 190. And a user interface for confirming that the customer has agreed to the financial transaction application terms and conditions. If the customer is a financial transaction customer of the financial institution, the user interface may be omitted. Depending on the intention, the user interface is a non-face-to-face financial transaction as specified below. But it may be included in the consent information.

If the financial transaction application terms are included in the terms and conditions information corresponding to the fund product, or if the financial transaction application is processed during the real name verification process for the fund product, the customer applies for the financial transaction to the financial institution. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the financial transaction application information through the fund subscription interface. Thereafter, the input (or selected) financial transaction application information is transmitted to the fund subscription server 100 through the communication network, or the financial subscription application information further includes the financial transaction application information (not shown). The fund subscription server 100 is transmitted through the communication network. In FIG. 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information specified below for convenience.

In addition, if the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or when the customer has no history of financial transactions with the financial institution, or when the customer is a non-face-to-face financial transaction customer (eg, an Internet banking member or a wireless banking member, or a TV banking member) of the financial institution, or In the case of not being a home banking member, the fund subscription interface is a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with at least one non-face-to-face financial transaction channel with the financial institution through the customer terminal 190. Terms and Conditions Information (e.g., Internet Banking Subscription Terms Information, or Wireless Banking Subscription Terms Information, or TV Banking Subscription Terms) Information, or home banking subscription terms and the like), and a user interface for inputting (or selecting) non-face-to-face financial transaction agreement information in which the customer agrees to the non-face-to-face financial transaction terms information.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the fund product, or the non-face-to-face financial transaction application is processed in the real name verification process for the fund product, or the fund-related financial transaction using the non-real name account If the non-face-to-face financial transaction authentication can be omitted for the purpose of the customer, the customer agrees to (or applies for) the face-to-face financial transaction to process at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 inputs the non-face-to-face financial transaction agreement information through the fund subscription interface. After (or select), the input (or selected) non-face-to-face financial transaction agreement information is transmitted to the fund subscription server 100 through the communication network, or the non-face-to-face financial transaction agreement information in the fund subscription application information It further includes a transmission to the fund subscription server 100 through the communication network.

Subsequently, the fund subscription server 100 receives the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) The data is stored in the storage medium 135 (540).

According to another exemplary embodiment of the present invention, the process of storing the fund subscription application information in the storage medium 135 may include the fund subscription server 100 (or the fund subscription server 100 operator) and the information processing server ( 145 may be omitted in accordance with the business partnership agreement between (or financial institutions), thereby the invention is not limited.

Thereafter, the fund subscription server 100 transmits the fund subscription request information to the information processing server 145 through a predetermined financial network (545), and the information processing server 145 transmits the fund subscription information through the financial network. The fund subscription request information provided from the fund subscription server 100 is received (550).

FIG. 6 is a diagram illustrating an information providing process for opening a non-real name account and registering a non-real name account according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the fund subscription server 100 shown in FIG. 1 provides a predetermined fund subscription interface to the client terminal 190, the client terminal 190 selects a predetermined fund subscription interface through the fund subscription interface. The fund subscription application information is input (or selected) and encrypted to provide the fund subscription server 100 through a predetermined communication network, and the fund subscription server 100 decrypts the fund subscription application information in a predetermined financial network. Through the process of providing the fund subscription application information to the information processing server 145 provided in the financial institution through, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, the method may infer various implementation methods of providing the fund subscription request information from the client terminal 190 to the information processing server 145 through the fund subscription server 100. The would, in the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the fund subscription request information is provided from the customer terminal 190 to the fund subscription server 100. However, if the user has ordinary knowledge in the art to which the present invention pertains, In addition to the fund subscription request information in the customer terminal 190 in response to the fund subscription interface provided by the fund subscription server 100 to the customer terminal 190, and / or non-real name account security information, and / Or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information may be inferred, but the present invention is the customer terminal 190 in the false new processing Providing information, and / or non-named account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. It includes a method, which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the fund subscription server 100 corresponding to the security function provided in the financial network connecting the fund subscription server 100 and the information processing server 145. ) And encrypts the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.), and the information processing server 145. In the present invention, it is possible to infer an implementation method of decrypting the fund subscription application information (or new provision processing information, non-real name account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.), but the present invention. Includes the inferred implementation method, whereby the present invention is not limited.

Referring to FIG. 6, when the customer terminal 190 shown in FIG. 1 connects to the fund subscription server 100 through a communication network including at least one wired communication network (or a wireless communication network) (600), the fund The subscription server 100 confirms at least one fund product information to be provided to the customer terminal 190 in connection with the fund product D / B 140 and provides the information to the customer terminal 190 through the communication network (S). 605, periodically check whether the client terminal 190 is requested to provide a fund subscription interface (610).

If the fund subscription interface is requested from the client terminal 190 (615), the fund subscription server 100 generates at least one web document including a predetermined fund subscription interface with the security function (or Extracted from a predetermined web source D / B (not shown) (620), and outputs a web page including the generated (extracted) web document to the customer terminal 190 through the communication network (625). ).

Here, the security function provided in the fund subscription interface, a function of encrypting the fund subscription application information input (or selected) from the customer terminal 190 by a predetermined encryption method and / or the customer in the fund subscription application information It comprises at least one function of attaching the electronic signature of the, preferably in the form of a security program linked to the fund subscription interface, wherein the security program is at least one or more for encrypting the fund subscription application information It is preferable that an encryption key is provided.

In addition, the security function (or security program) may further include an official certificate having at least one encryption key for encrypting the fund subscription application information, whereby the present invention is not limited.

Thereafter, the customer terminal 190 inputs (or selects) predetermined fund subscription application information through the fund subscription interface (630), and the fund subscription application information is applied by the customer among the plurality of fund products (or And at least one fund product selection information for selecting at least one fund product to purchase, at least one agreement information corresponding to the fund product, the investment amount information, and the customer information.

When the fund subscription request information is input (or selected) as described above, the customer terminal 190 encrypts the fund subscription request information according to a predetermined encryption method through a security function provided in the fund subscription interface (and / or Or attach the electronic signature of the customer to the fund subscription request information (635), and transmit the encrypted fund subscription request information to the fund subscription server 100 through the communication network (640).

According to an embodiment of the present invention, the fund subscription interface may include a user interface for selecting at least one or more fund products to which the customer applies for subscription among at least one or more fund products.

In addition, the fund subscription interface, and outputs the fund investment terms and conditions information to the customer terminal 190, and preferably comprises a user interface that the customer agrees to the terms.

The fund subscription interface may include a user interface for inputting an investment amount to be invested in the fund product, and financial account information in which the investment amount is withdrawn when the investment amount is deposited by bank transfer (or remittance). Preferably a user interface for inputting (e.g., original account information for the amount deposited into a non-real name account).

In addition, the fund subscription interface, input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the fund product, and And / or a user interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the fund subscription server 100.

According to an embodiment of the present invention, the fund subscription interface may include an account password for a non-real name account opened in response to the fund subscription request information, or a financial transaction for processing at least one non-face-to-face financial transaction through the non-real name account. Preferably, the method further includes a user interface for inputting (or selecting) non-real name account security information including at least one password.

The non-real name account security information may further include a personal identification number (PIN) and / or a customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the non-real name account established by the fund subscription application information. It is preferable to comprise, and this invention is not limited by this.

When a fund subscription interface for inputting (or selecting) the non-real name account security information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the non-real name account security information through the fund subscription interface. Thereafter, the input (or selected) non-real name account security information is transmitted to the fund subscription server 100 through the communication network, or the non-real name account security information is further included in the fund subscription application information. Transfer to the fund subscription server 100.

If the non-real name account security information is included in the fund subscription information, the non-real name account security information to secure the confidentiality (Authentication), Authentication (Integrity), Integrity (Nonrepudiation), etc. Non-real name account security information (or the fund subscription request information including the non-real name account security information) is preferably encrypted by at least one or more encryption method is transmitted to the fund subscription server 100.

According to the implementation method of the present invention, the fund subscription interface, and the provisions of the provisions of the new provisions that specify that the non-real name account will be treated as a new provision until the financial real name for the non-real name account opened in response to the fund subscription application information; Information on the provisional processing period information (eg, a period during which the non-real name account is processed as a provisional provision before the verification of the financial real name of the non-real name account) and the like are output to the customer terminal 190, and the customer informs the provisional provision information. And a user interface for inputting (or selecting) the provisional processing information to agree (or apply for) the provisional processing period information.

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the fund product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 190, and The user interface for confirming consent for the information may be omitted.

When a fund subscription interface is provided to the customer terminal 190 to input (or select) the pseudo new processing information, the customer terminal 190 inputs (or select) the pseudo new processing information through the fund subscription interface. Afterwards, the input (or selected) the new provision processing information is transmitted to the fund subscription server 100 through the communication network, or the fund subscription application information further includes the new provision processing information through the communication network. Transfer to the fund subscription server 100.

According to an embodiment of the present invention, the fund subscription interface may be configured to open the financial institution in order to open a non-real name account opened in response to the fund subscription application information in the form of a virtual account having a real account operated by the financial institution as a parent account. It is preferable to further include a user interface for inputting (or selecting) mother account management institution information including at least one or more, and virtual account processing information including mother account information corresponding to a real account operated by the mother account management institution.

When a fund subscription interface is provided to the customer terminal 190 for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information, the client terminal 190 is provided with the fund subscription interface. After the virtual account processing information is input (or selected), the input (or selected) virtual account processing information is transmitted to the fund subscription server 100 through the communication network, or the virtual account in the fund subscription request information. Further including the processing information is transmitted to the fund subscription server 100 through the communication network.

In addition, if the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or if the customer does not have a history of processing a financial transaction with the financial institution), the fund subscription interface, the customer terminal 190, the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution; And a user interface for outputting and confirming that the customer has agreed to the financial transaction application terms. If the customer is a financial transaction customer of the financial institution, the user interface may be omitted. Under the intention of the user interface, the user interface is It may be included in the consent information.

If the financial transaction application terms are included in the terms and conditions information corresponding to the fund product, or if the financial transaction application is processed during the real name verification process for the fund product, the customer applies for the financial transaction to the financial institution. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 190, the customer terminal 190 inputs (or selects) the financial transaction application information through the fund subscription interface. Thereafter, the input (or selected) financial transaction application information is transmitted to the fund subscription server 100 through the communication network, or the financial subscription application information further includes the financial transaction application information (not shown). The fund subscription server 100 is transmitted through the communication network. In FIG. 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information specified below for convenience.

In addition, if the customer applying for the fund product is not a conventional financial transaction member for the financial institution corresponding to the fund product (for example, the financial institution does not have at least one customer account corresponding to the customer, or Or when the customer has no history of financial transactions with the financial institution, or when the customer is a non-face-to-face financial transaction customer (eg, an Internet banking member or a wireless banking member, or a TV banking member) of the financial institution, or Non-face-to-face financial transactions for processing at least one non-face-to-face financial transaction with at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal 190, if not a home banking member, etc.). Terms and Conditions Information (e.g., Internet Banking Subscription Terms Information, or Wireless Banking Subscription Terms Information, or TV Banking Subscription Terms) Outputting a beam, or such as home banking subscription terms information) and the customer preferably further comprises a user interface for inputting (or selecting) the non-face-to-face financial transaction accept information to accept the information, the non-facing terms financial transactions.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the fund product, or the non-face-to-face financial transaction application is processed in the real name verification process for the fund product, or the fund-related financial transaction using the non-real name account If the non-face-to-face financial transaction authentication can be omitted for the purpose of the client, the customer agrees (or applies) for the face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The user interface may be omitted, and the present invention is not limited thereto.

When a fund subscription interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 inputs the non-face-to-face financial transaction agreement information through the fund subscription interface. After (or select), the input (or selected) non-face-to-face financial transaction agreement information is transmitted to the fund subscription server 100 through the communication network, or the non-face-to-face financial transaction agreement information in the fund subscription application information It further includes a transmission to the fund subscription server 100 through the communication network.

The fund subscription server 100 receiving the encrypted fund subscription request information through the communication network decrypts the fund subscription request information in a decryption method corresponding to the encryption method (645).

Thereafter, the fund subscription server 100 transmits the fund subscription application information to the information processing server 145 through a predetermined financial network (645), and the information processing server 145 transmits the fund through the financial network. The fund subscription request information provided from the fund subscription server 100 is received (650).

7 is a diagram illustrating a process of processing a non-real name account into a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 7, in the information processing server 145 illustrated in FIG. 1, a non-real name account is opened based on the fund subscription application information provided from the fund subscription server 100, and the non-real name account is opened. The present invention relates to a process of processing a real account operated by the financial institution as a virtual account, and having a general knowledge in the field to which the present invention pertains. Based on the fund subscription application information provided to the illustrated information processing server 145, various implementation methods for processing a non-real name account as a virtual account managed by the financial institution as a parent account may be inferred. Includes all the inferred implementation methods, whereby the present invention is not limited.

For example, in FIG. 7, the fund subscription server 100 is provided to the information processing server 145 to provide only the fund subscription application information. However, a person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the fund subscription application information, information on the provision of new information, and / or non-name account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information, etc. may be used. It will be possible to infer the implementation method provided at 145, but the present invention is directed to the information processing server 145, the provisional processing information, and / or non-real name account security information, and / or financial transaction application information, and / Or an implementation method in which the virtual account processing information and / or the non-face-to-face financial transaction agreement information are further provided, whereby the present invention is not limited thereto.

Hereinafter, in FIG. 7, the information processing server 145 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIGS. 5 and / or 6, the fund subscription application information (or pseudonym processing information, non-real name) from the fund subscription server 100 shown in FIG. When account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc. are received, the server requests the fund subscription application information (or a new transaction processing information, non-real name account security information, financial transaction application information). The virtual account processing information, non-face-to-face financial transaction agreement information, etc.) are read to determine whether the non-real name account can be opened (700).

If the non-real name account cannot be opened based on the fund subscription request information (705), the server generates the account opening error information and provides the fund subscription server 100 to the fund subscription server 100 (710). 100 transmits the account opening error information to the customer terminal 190 through a communication network (715), thereby terminating the non-real name account provision procedure based on the fund subscription application information.

On the other hand, if it is possible to open the non-real name account based on the fund subscription application information (705), the server intercepts the non-real name account corresponding to the fund subscription application information on the financial system in association with the financial system. In operation 720, the non-real-name account is processed as a virtual account, which is the parent account, operated by the financial institution in connection with the financial system.

According to the exemplary embodiment of the present invention, the server adds the mother account number corresponding to the real account operated by the financial institution to the non-real name ledger information as shown in FIG. It is preferable to process a ledger corresponding to the opened non-real name account into a virtual account whose parent account is a real account operated by the financial institution.

According to another exemplary embodiment of the present invention, the server may operate an account number corresponding to the non-real name account and a predetermined mother account corresponding to the non-real name account in the non-real name account ledger as shown in FIG. 3 or 4. The ledger corresponding to the non-real name account opened by the provisional opening establishment unit 165 is operated by the financial institution by linking the additional information ledger including the virtual account processing information including the institution information and the mother account information in a relational manner. It is preferable to process the real account to be a virtual account which is the parent account.

8 is a diagram illustrating a real name verification process for a non-real name account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a real name of a non-real name account processed as a virtual account using a real account operated by the financial institution through the process shown in FIG. 7 through the non-real name account registration system shown in FIG. A process of performing a verification process and processing a predetermined new financial account. Specifically, the name verification expiration date is automatically extended to continuously provide at least one fund-related financial transaction through the non-real name account without verification of the real name. It's about how.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to identify real names for non-real-name accounts processed as virtual accounts whose real accounts are operated by the financial institution. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following Figure 8, the information processing server 145 on the non-real name account registration system shown in Figure 1 will be referred to as " server " for convenience.

Referring to FIG. 8, the server periodically checks whether a real name of a customer who applies for a fund for the non-real name account is confirmed in connection with the financial system (or a fund management system linked with the financial system) or through the non-real name account. In response to at least one fund-related financial transaction (800).

Those skilled in the art will be familiar with the technical features of the fund management system associated with the financial system, and the technical features of the fund-related financial transactions through the fund management system. Detailed description thereof will be omitted for convenience.

If the real name for the fund subscription customer is not confirmed (805), the server checks whether the real name verification period for the non-real name account has elapsed in response to the fund subscription application information in association with the financial system (810).

If the real name verification period for the non-real name account has not elapsed in response to the fund subscription request information (815), the server may use the real name of the customer for the non-real name account processed as a virtual account whose real account is operated by the financial institution. Repeat the process to check.

On the other hand, if the real name verification period for the non-real name account has passed in response to the fund subscription request information (815), the server is associated with the financial system, the real name verification expiration date for the non-real name account (e.g. By automatically extending the real name verification expiration date (820), to continue to provide at least one or more funds related financial transactions through the non-real name account without real name verification.

On the other hand, if the real name of the customer who applied for the fund subscription is confirmed within the real name verification period (805), the server is connected to the financial system in the form of a virtual account that has a real account operated by the financial institution as the parent account, the non-real name The account is returned to the original non-real name account (825), and the non-real name account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to the method of the present invention, when the non-real name account ledger information includes real account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, It is preferable that the server processes the non-real name account as a new financial account whose real name is confirmed by erasing the pseudonym processing information and / or virtual account processing information added to the non-real name account ledger.

Alternatively, when the non-real name account ledger information includes virtual account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, the server includes the non-real name account. The non-real name account is replaced with a new financial account whose real name is confirmed by erasing the pseudo-new processing information and / or virtual account processing information added to the ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to process.

Thereafter, the server retroactively processes the account opening date of the financial account processed as the new financial account in connection with the financial system as the provisional opening date (835).

9 is a diagram illustrating a process of confirming a real name of the non-real name account at the time of repurchase of a fund subscribed by a customer according to the method of the present invention.

In more detail, FIG. 9 is a non-real name account processed as a virtual account using a real account operated by the financial institution through the process shown in FIG. 7 through the non-real name account registration system shown in FIG. Regarding the process of verifying the real name of the non-real name account at the time of repurchase of the fund of which the customer has subscribed, if the person of ordinary skill in the technical field to which the present invention pertains, refer to and / or modify this figure 9 Although various implementation methods for the process of confirming the real name of the non-real name account at the time of redemption of the subscribed fund may be inferred, the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method.

In the following figure 9, the fund management server 185 on the non-real name account registration system shown in FIG. 1 will be referred to as " server "

Referring to FIG. 9, the server checks whether a repurchase request for a fund subscribed to by the customer is received in connection with the financial system (or a fund management system associated with the financial system).

If a request for repurchase of the fund to which the customer has subscribed is confirmed (905), the server is linked with the financial system (or a fund management system associated with the financial system) and the account associated with the fund for which the repurchase request is made. It is checked whether it is in the non-real name state or the real name confirmation state (910).

If the account associated with the fund for which the redemption is requested is in a real name verification state (915), the server is linked to the financial system (or a fund management system associated with the financial system) and the server is connected to the fund through the account associated with the fund. The repurchase of the affiliated fund is processed (950).

On the other hand, if the account associated with the fund for which the redemption is requested is in an unnamed state (915), the server is connected to the customer who subscribed to the fund (or the terminal (not shown) requesting the redemption of the fund at the request of the customer). A real name verification request is made to the non-real name account (920) and the financial system (or a fund management system associated with the financial system) is checked to determine whether the real name of the customer for the non-real name account is verified (925).

If the real name of the customer is confirmed by the real name confirmation request (930), the server is linked to the financial system (or the fund management system associated with the financial system), the real account operated by the financial institution in the parent account The non-real name account processed in the form of a virtual account is returned to the original non-real name account (e.g., the virtual account attribute is erased) (935), and the non-real name account is processed into a new financial account whose real name is confirmed in connection with the financial system. (940).

According to the method of the present invention, when the non-real name account ledger information includes real account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, It is preferable that the server processes the non-real name account as a new financial account whose real name is confirmed by erasing the pseudonym processing information and / or virtual account processing information added to the non-real name account ledger.

Alternatively, when the non-real name account ledger information includes virtual account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, the server includes the non-real name account. The non-real name account is replaced with a new financial account whose real name is confirmed by erasing the pseudo-new processing information and / or virtual account processing information added to the ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to process.

Thereafter, the server retroactively processes the account opening date of the financial account processed as the new financial account in association with the financial system as the new establishment date (945), and manages the financial system (or the fund management linked with the financial system). System to process the redemption of the funds to which the customer subscribes (950).

10 is a diagram illustrating a process of confirming a real name of the non-real name account at the time of expiration of the contract of a customer subscribed to the fund according to the method of the present invention.

In more detail, FIG. 10 illustrates a non-real name account processed as a virtual account using a real account operated by the financial institution through the process shown in FIG. 7 through the non-real name account registration system shown in FIG. The process of verifying the real name of the non-real name account at the time of expiration of the contract of the customer subscribed to the fund, and those skilled in the art to which the present invention pertains, refer to and / or modify this figure 10 Various implementation methods for the process of confirming the real name of the non-real name account at the time of the contract expiration of the fund subscribed to by the customer may be inferred, but the present invention includes all the implementation methods inferred as shown in FIG. It is not limited to the implementation method shown by.

In the following figure 10, the fund management server 185 on the non-real name account registration system shown in FIG. 1 will be referred to as " server "

Referring to FIG. 10, the server checks whether a contract expiration for a fund subscribed to by the customer comes in connection with the financial system (or a fund management system associated with the financial system).

If the expiration of the contract for the fund to which the customer has subscribed is confirmed (1005), the server is associated with the fund that has reached the contract in association with the financial system (or the fund management system associated with the financial system). It is checked whether the account is in the non-real name state or the real name confirmation state (1010).

If the account associated with the fund at which the contract has expired is in a state of real name confirmation (1015), the server is linked to the financial system (or a fund management system associated with the financial system) through an account associated with the fund. The investment principal and proceeds for the fund to which the customer subscribes are settled (1065).

On the other hand, if the account associated with the requested fund has reached the contract expiration date (1015), the server is the non-real name through the communication means (for example, mobile phone, telephone, mail, DM, etc.) of the customer who subscribed to the fund A request for real name confirmation is made to the account (1020), and in connection with the financial system (or a fund management system associated with the financial system), it is checked whether the real name of the customer for the non-real name account is confirmed (1025).

If the real name for the customer is not confirmed by the real name confirmation request (1030), the server is connected with the financial system (or the fund management system associated with the financial system) whether the contract expiration for the fund has elapsed. Check (1035).

If the contract has not expired (1040), the server repeats the real name verification process for the customer.

On the other hand, if the contract expiration for the fund has elapsed without the real name verification (1040), the server automatically links the expiration date of the non-real name account in association with the financial system (or the fund management system associated with the financial system). (1045).

On the other hand, if the real name of the customer is confirmed by the real name confirmation request (1030), the server is linked to the financial system (or fund management system associated with the financial system), the real account operated by the financial institution in the parent account The non-real name account processed in the form of a virtual account is returned to the original non-real name account (e.g., virtual account attribute erasure) (1050), and the non-real name account is processed into a new financial account whose real name is confirmed in connection with the financial system. (1055).

According to the method of the present invention, when the non-real name account ledger information includes real account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, It is preferable that the server processes the non-real name account as a new financial account whose real name is confirmed by erasing the pseudonym processing information and / or virtual account processing information added to the non-real name account ledger.

Alternatively, when the non-real name account ledger information includes virtual account ledger information when a non-real name account in the form of a virtual account having a real account operated by the financial institution as the new financial account, the server includes the non-real name account. The non-real name account is replaced with a new financial account whose real name is confirmed by erasing the pseudo-new processing information and / or virtual account processing information added to the ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to process.

Subsequently, the server retroactively processes the account opening date of the financial account processed as the new financial account in connection with the financial system as the new establishment date (1060), and manages the financial system (or the fund management associated with the financial system). And the investment principal and proceeds for the funds subscribed to by the customer through an account associated with the fund (1065).

According to the present invention, in the process of investing in a financial product such as a fund, it is possible to process investments through non-real name accounts without visiting a financial institution's window, thereby ensuring more stable, higher returns and more commissions online. The advantage is that you can invest in cheap investment products.

According to the present invention, after investing in investment products through a non-real name account without visiting a financial institution's counter in the process of investing in a financial product such as a fund, the investor has time to visit a financial institution's counter to process real name verification, There is an advantage to maximize the convenience of investment in various financial products.

Claims (5)

(a) when the customer joins the fund through an online channel, receiving fund information, investment amount information, and customer information subscribed to by the customer in an information receiving means; (b) The account opening means may deposit a beneficiary certificate that invests the investment amount in a fund corresponding to the fund information based on the customer information in connection with a financial system provided to a financial institution; Opening a non-real name account containing information; (c) converting the opened non-real name account into a virtual account having the financial institution real account as a parent account in the virtual account processing means; (d) confirming whether or not a customer's real name for the virtual account has been confirmed during the real name verification period corresponding to the real name verification period information in the real name verification means; And (e) If the customer's real name for the virtual account is confirmed by the real account processing means within the real name verification period, the virtual account is converted into the real account in which the beneficiary certificate is deposited in connection with the financial system. Process the opening date retroactively to the opening date of the virtual account; And if the customer's real name for the virtual account is not confirmed within the real name verification period, automatically extending the real name verification period until repurchase of the fund or expiration of the fund in association with the financial system. Non-real name fund operating method, characterized in that. The method of claim 1, After step (e), upon repurchase of the fund, Requesting real name verification of the virtual account to the terminal requesting repurchase of a fund in the real name verification means; And When the customer's real name is confirmed, the real account processing means converts the virtual account into a real account in which the beneficiary certificate is deposited in connection with the financial system, and then establishes the opening date of the real account as the virtual account opening date. Non- blind fund management method further comprising the step of processing. The method of claim 1, After step (e), when the fund expires, Requesting verification of the real name of the virtual account from the real name checking means to the communication means of the customer; Converting the virtual account into a real account in which the beneficiary certificate is deposited in association with the financial system when the customer real name is confirmed; And And converting the fund proceeds based on the beneficiary certificates deposited in the real account when the real account is switched. A recording medium comprising a program for executing the method of claim 1. Information receiving means for receiving fund information, investment amount information and customer information to which the customer subscribes when the customer joins the fund through an online channel; Deposit a beneficiary certificate that invests the investment amount in a fund corresponding to the fund information based on the customer information in connection with a financial system provided at a financial institution, and opens a non-real name account including predetermined real name verification period information. Account opening means for performing; Virtual account processing means for converting the opened non-real name account into a virtual account having the financial institution real account as a parent account; Real name verification means for confirming whether or not a customer real name for the virtual account is confirmed during the real name confirmation period corresponding to the real name confirmation period information; And If the customer's real name for the virtual account is confirmed within the real name verification period, the virtual account is converted into a real account in which the beneficiary certificate is deposited, in connection with the financial system, and the opening date of the real account is set to the virtual account opening date. To be retroactive to A real account processing means for automatically extending the real name verification period until the repurchase of the fund or the expiration of the agreement of the fund in association with the financial system if the customer real name for the virtual account is not confirmed within the real name verification period; Non-real name fund operating system, characterized in that provided.

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