KR101065425B1 - System and Method for Managing Virtual Funds Investment Service and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a virtual fund investment service, and a recording medium therefor, for a customer who lacks understanding of the fund or who is interested in the fund but is reluctant due to fear of investment. By providing extra points, it provides investment opportunities for virtual funds, which enables customers to better understand the fund, increase interest in the fund, and resolve fears.

Virtual Fund

Description

System and Method for Managing Virtual Funds Investment Service and Recording Medium}

1 is a diagram illustrating a financial account opening system for providing and managing a mock investment service according to an embodiment of the present invention.

2 is a diagram illustrating a process of opening a financial account for providing and managing a mock investment service according to an exemplary embodiment of the present invention.

3A and 3B illustrate a process of opening a financial account for providing and managing a mock investment service according to an exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating a fund subscription system for providing a virtual investment opportunity for a fund product that is actually sold according to an embodiment of the present invention.

5A and 5B are diagrams illustrating a virtual fund subscription process for providing a virtual investment opportunity for a fund product that is actually sold in a non-face-to-face manner according to one embodiment of the present invention.

6A, 6B, and 6C are diagrams illustrating a virtual fund subscription process for providing a virtual investment opportunity for an actually sold fund product according to another exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a non-face-to-face virtual fund operating system for providing information about a virtual fund subscribed to by a customer and converting a real fund according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a process of registering subscription details inquiry request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

9A and 9B illustrate a process of registering subscription history inquiry request information through a non-face-to-face financial transaction channel for providing information about a virtual fund subscribed to by a customer and converting an actual fund according to an exemplary embodiment of the present invention. to be.

FIG. 10 is a diagram illustrating a process of registering virtual fund conversion request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of registering virtual fund conversion request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

700: virtual fund management server 705: interface unit

710: interface providing unit 715: information receiving unit

720: validation unit 725: information confirmation unit

730: information calculating unit 735: information providing unit

740: approval processing unit 745: conversion processing unit

750: financial company server 755: customer terminal

The present invention provides an opportunity for investment in a virtual fund by providing a separate point to the customer for providing a fund investment service, for the customer who lacks understanding of the fund or who is interested in the fund but is reluctant due to fear of investment. This will enable them to increase their understanding of the fund, increase their interest in the fund and relieve their fears.

Modern society offers various wealth accumulation opportunities, and new investment methods are provided beyond the conventional saving methods such as deposit / storage.

Among them, stocks or futures / option investments are widely used around us, but it is difficult for individuals to invest in them, and as a result, indirect investment products, which are collected and operated and managed separately, are in the spotlight. .

However, in the case of such indirect investment products, there are complex and various kinds of funds, and therefore, there are funds with poor returns due to the customer's lack of understanding of the fund or the social situation depending on the type of the fund. Due to fears, there is a fear of fund investment, and therefore, it is necessary to activate the fund, one of the indirect investment products.

According to the present invention, when providing a fund investment service, for the customer who lacks understanding of the fund or who is interested in the fund but is reluctant due to fear of investment, the client provides a separate point to the virtual fund. It aims to provide investment opportunities, and to provide a method and system for enhancing customer understanding of the fund, increasing interest in the fund and resolving fears, and a recording medium for the same.

According to the invention

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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 financial account opening system for providing and managing a mock investment service according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides financial institution opening application information including at least one of predetermined customer information and financial account attribute setting information to the financial institution through the financial account opening interface, A system for opening a financial account for providing and managing the mock investment service based on the application information for opening a financial account, and specifically, the customer applies for opening the financial account to the financial account opening system through a non-facing channel. If the information is provided, financial account opening application information including at least one or more of the customer information and financial account property setting information corresponding to the financial account opening application is provided through the financial company server 100 provided on the financial account opening system. Predetermined for the provision and management of the mock investment service based on It is about the method of opening a financial account.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 1 to infer various implementation methods for the configuration of the financial account opening system for providing and managing the mock investment service. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, FIG. 1 includes a process of creating a predetermined financial account application electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 1, it is possible to omit storing the electronic account opening application electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 1 only.

Hereinafter, the simulated investment is received from the customer through the predetermined financial account opening interface on the financial account opening system shown in FIG. 1 by receiving the financial account opening application information including at least one of the customer information and the financial account property setting information. Components corresponding to at least one or more means and / or functional configurations of opening the financial account for service provision and management are referred to as " financial company server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the system for establishing a financial account for providing and managing the mock investment service includes a terminal device 145 including at least one wired terminal and / or a wireless terminal used by a customer. The terminal device 145 is connected to the financial company server 100 provided on the financial account opening system through a predetermined network means is connected to the communication channel.

According to an embodiment of the present invention, the customer connects to the financial institution server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial account opening application information is input (or selected) through at least one user interface provided by the financial institution server 100, the financial institution server provided on the financial account opening system through a predetermined network means at the client terminal. It is preferable to transmit to 100.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 145 connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP). Desktop computer and / or notebook connected to / IP or UDP / IP based communication network, or home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, refrigerator, set-top box) Box) or the like, or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 145 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 145 connected to an x-based mobile Internet and / or all terminal devices 145 connected to an IEEE 802.11x-based wireless LAN, connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE 8 It is preferable to include at least one or more WLAN terminal connected to the 02.11x based WLAN.

In addition, the financial institution server 100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 100 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 100, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 100) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the financial account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 100. And / or the wireless communication network performs a function of a financial account opening interface for the customer to register the financial account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 145 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 145 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( A financial network connecting 100) performs a function of a financial account opening interface for the customer to register the financial account opening application information, and / or when the terminal device 145 is the call terminal (not shown). The wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 100 may open a financial account for the customer to register the financial account opening application information. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 145, and / or the terminal apparatus 145. A server (not shown) and the network connecting the terminal (and / or server) (not shown) and the financial institution server 100 function as a financial account opening interface for the customer to register the financial account opening application information. Perform

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 145 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 145 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 100 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided in the internet banking server, and / or a predetermined access to the external system of the financial system 135 through the internet banking system. A foreign system on the financial system 135 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 135, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 100 may be connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 135 through the wireless banking system. Server provided in the external system on the financial system 135 that is accessible through the wireless banking server (and / or the server (or device)), or is a program included in the server (or device). (Or a device), and / or a program included in the external system on the financial system 135, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 100 is connected to the telebanking system. Is a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the banking system 135 of the financial system 135 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 135, and / or a program provided in the external system on the financial system 135, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 100 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 135 through the TV banking system ( Or a device), a program included in the server (or device), and / or in an external system on the financial system 135 accessible through the TV banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external world on the financial system 135, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 145 through the network means. It is characterized by.

According to an embodiment of the present invention, when the terminal device 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 communicates with the client terminal based on the TCP / IP or UDP / IP protocol. And 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 client terminal is provided with a communication program provided by the financial institution server 100 (eg, an internet banking program), the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 100, the interface unit 105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 105 includes a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 1, when a predetermined terminal device 145 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial company server 100 may use the terminal device 145. Generate (or extract) at least one user interface for inputting (or selecting) predetermined financial account opening application information to the financial institution server 100, and generating the at least one user interface in connection with the interface unit 105. (Or extracted) the interface providing unit 110 (or interface providing means) for providing the user interface to the terminal device 145, and the terminal device 145 the application information to open the financial account through the user interface The information receiving unit 11 which receives the financial account opening application information transmitted from the terminal device 145 in connection with the interface unit 105 when it is inputted (or selected) and transmitted. 5) (or information receiving means) characterized in that it comprises.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. Generate, at least one or more user interfaces for inputting (or selecting) predetermined financial account opening application information from the terminal device 145 to the financial institution server 100 through the network means upon request; Or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the terminal device 145 through the network means in association with the interface unit 105.

According to an embodiment of the present invention, when the terminal device 145 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 105.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may call the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 105 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 145 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal device 145 and transmitting it to the financial institution server 100 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting it to the financial institution server 100 as described above. The interface providing unit 110 provided to the device 145 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 145 inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. The account opening application information is transmitted to the financial institution server 100 through the network means. In response thereto, the information receiving unit 115 is connected to the interface unit 105 to transmit the financial information transmitted from the terminal device 145. It is characterized by receiving the account opening application information.

According to an exemplary embodiment of the present invention, the terminal device 145 may be configured to apply to the financial account opening application information in the financial company server 100 in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the financial institution server ( 100).

According to an exemplary embodiment of the present invention, the terminal device 145 may include at least one encryption method (for example, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information and financial account property setting information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the application for opening a financial account. Preferably, the terminal apparatus 145 includes at least one encryption key corresponding to the encryption scheme, and / or transmits at least one encryption key to the financial institution server 100 through a network means. Have a predetermined public certificate included therein, and / or have the public certificate installed on a given IC chip (or IC card) Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an exemplary embodiment of the present invention, the terminal device 145 may include at least one encryption method (for example, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information and financial account property setting information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmit the encrypted data to the financial institution server 100 through the network means. For example, the terminal device 145 may include at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate including at least one encryption key, and / or the certificate may be predetermined. When equipped with an IC chip (or IC card) of the car, for checking the official certificate provided on the IC chip (or IC card) Preferably, a drier is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 135 associated with the financial account opening system in response to the customer. It is preferable to comprise as mentioned above.

The financial account attribute setting information is attribute information for a financial account where a point (or cyber money) for depositing and providing a mock investment service to be opened through the financial account establishment application information is provided for the mock investment service providing and management. It is preferable to comprise a.

Referring to FIG. 1, when the financial account opening request information transmitted from the terminal device 145 is received through the information receiver 115, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit (or validity authentication means) for confirming that the validity for providing and managing the mock investment service.

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity authentication unit converts the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or a public key) corresponding to the encryption scheme. Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity authentication unit verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is desirable to.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted financial account opening application information, and a technology for confirming an electronic signature attached to the financial account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the financial account opening application information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the financial account opening application information, the validity authentication unit according to an embodiment of the present invention. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the financial account opening application information, the validity authentication unit may include the financial account information. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the validity authentication unit opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity of the financial account opening application information is matched with the financial account opening application information in the ledger D / B 140 on the financial system 135 linked to the financial account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the financial account opening application information may include: the financial system 135 in which the customer information (customer personal information, member information, etc.) included in the financial account opening application information is linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B 140 of the award.

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 may verify the validity of the financial institution. An account opening unit 130 (or an account opening means) for opening a financial account in a client's name including the financial account attribute setting information based on the customer information and the financial account attribute setting information included in the account opening application information; Characterized in that made.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 130 connects the customer information included in the financial account opening application information in connection with the financial system 135. After generating a customer ledger including (or confirming the customer ledger is already matched with the customer information), and generates the predetermined account ledger information including the financial account attribute included in the financial account opening application information And storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby opening a financial account for providing and managing the mock investment service in response to the application for opening the financial account.

Herein, the financial account opened in the customer's name is preferably a dedicated financial account for the customer to invest in the virtual fund, and preferably the point or the cyber money is deposited in the financial account, not cash for the virtual fund investment. Do.

2 is a diagram illustrating a process of opening a financial account for providing and managing a mock investment service according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates a web server function in which the terminal device 145 on the financial account opening system shown in FIG. 1 is a client terminal, and the financial institution server 100 can access a client terminal through a predetermined network means. In the case of the present invention, if a predetermined customer provides financial account opening application information including at least one of customer information and financial account attribute setting information through the client terminal to open a financial account, the financial account opening system may be used. An embodiment of the present invention relates to an implementation method of opening a predetermined financial account for providing and managing a mock investment service based on financial account establishment application information including at least one of the customer information and financial account property setting information. Those skilled in the art may refer to and / or modify this drawing. By the way, the client terminal may infer various implementation methods for providing the financial account establishment application information from the client terminal 100, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

For example, although the embodiment shown in FIG. 2 includes a process of generating a predetermined electronic document corresponding to the application for opening the financial account and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, the implementation method illustrated in FIG. 2 shows that the client terminal receives a user interface for inputting (or selecting) the financial account opening application information through a predetermined web page provided by the financial institution server 100. As described above, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 1 is referred to as a “server” for convenience. In the client terminal, the financial institution server ( The customer information and the financial account attribute setting information transmitted to 100 are referred to as "financial account opening application information" for convenience.

Referring to FIG. 2, the client terminal illustrated in FIG. 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based ( And / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to a predetermined communication channel and include the user interface. When the user requests a web page (200), the server correspondingly inputs (or selects) a financial account opening application information including at least one of the customer information and the financial account property setting information and transmits the user to the server. Generate (or extract) a web page comprising an interface (205), and generate and / or extract the user interface via the network means A web page including a message is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the financial account opening application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one or more customer information and financial account attribute setting information through a user interface included in the web page (215).

If the terminal receives (or selects) financial account opening application information including the customer information and financial account attribute setting information through the user interface (220), the terminal inputs (or selects) the communication channel. The selected customer information and the financial account attribute setting information are transmitted to the server (225).

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account through the network means. It is preferable to transmit to the server, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or when the authorized certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 135 associated with the financial account opening system in response to the customer. It is preferable to comprise as mentioned above.

The financial account attribute setting information is attribute information for a financial account where a point (or cyber money) for depositing and providing a mock investment service to be opened through the financial account establishment application information is provided for the mock investment service providing and management. It is preferable to comprise a.

Thereafter, the server receives and reads the customer information and the financial account property setting information through the communication channel and checks the validity of the financial account opening application information (230).

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted financial account opening application information, and a technology for confirming an electronic signature attached to the financial account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the financial account opening application information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the financial account opening application information. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the financial account opening application information, the server determines the financial account. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the server requests for opening the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity of the financial account opening application information is matched with the financial account opening application information in the ledger D / B 140 on the financial system 135 linked to the financial account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the financial account opening application information may include: the financial system 135 in which the customer information (customer personal information, member information, etc.) included in the financial account opening application information is linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B 140 of the award.

If the validity of the financial account opening application information is not authenticated (235), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (240), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (235), the server generates predetermined account ledger information corresponding to the financial account opening application information for providing and managing the mock investment service (245), After opening the financial account of the customer name including the account ledger information in connection with the financial system 135 (250), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal ( 255).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 135 (or a customer provided with matching customer information). Confirming the ledger), generating predetermined account ledger information including the financial account attribute included in the financial account opening application information, and then storing the account ledger information in the predetermined account ledger associated with the customer ledger. In response to the application for opening the financial account, it is preferable to open a financial account for providing and managing the mock investment service.

3A and 3B illustrate a process of opening a financial account for providing and managing a mock investment service according to an exemplary embodiment of the present invention.

In more detail, FIGS. 3A and 3B illustrate a case where the financial account opening system shown in FIG. 1 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, a financial company on the financial account opening system shown in FIG. In the case where the server 100 is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP or UDP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Afterwards, when the client terminal transmits application information for opening a financial account to the internet banking server to open the financial account, the Internet banking server includes at least one of the customer information and the financial account property setting information. Opening a predetermined financial account for providing and managing the mock investment service based on the application information for opening a financial account. Refers to an implementation method, and those skilled in the art to which the present invention pertains refer to and / or modify the drawings 3a and 3b and apply for opening the financial account through another type of non-face-to-face financial transaction channel. Various implementation methods for providing information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 3A and 3B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial account establishment application information registration between the client terminal and the Internet banking server based on the present invention, those skilled in the art Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 3a and 3b, and then, between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. In the financial world Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of registration information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 3a and 3b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registering a financial account opening application information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. It includes all types of non-face-to-face channel-based financial transactions, including banking systems and / or wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems. It is by no means limited to the case of Internet banking shown in FIG.

In addition, although the embodiment illustrated in FIG. 2 includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. It is not limited.

3A and 3B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 100 is referred to as a "server" for convenience.

3A and 3B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (300a), the server communicates between the terminal and the server through the browser. (305a), wherein the communication channel is a server that generates (or extracts) a predetermined web page at the request of a browser program provided to the terminal and transmits the web page to the terminal, and the browser provided to the terminal. This means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (315a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. Transmit and mount and / or update 320a.

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (325a), or if the terminal does not need to mount and / or update the security module for internet banking (315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (330a), where the security for Internet banking A channel is attached to a predetermined electronic signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also to be provided to the server for registration of application information for opening a financial account in the terminal. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registration of application information for opening a financial account at the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (345a).

If the Internet banking customer authentication fails (350a), the server blocks the Internet banking security channel for the terminal (355a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (350a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (360a), where the Internet banking based The financial transaction channel refers to a communication channel which can register and register predetermined financial account establishment application information from the terminal to the server.

Thereafter, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (300b), the server correspondingly at least one of the customer information and the financial account property setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) information on opening a financial account opening request to the server (305b) and generating the webpage through the internet banking-based financial transaction channel ( Alternatively, the web page including the extracted user interface is transmitted to the terminal and output (310b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) financial account opening application information including at least one of customer information and financial account property setting information. And / or print the password and / or security card information (e.g., printed on the security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial account opening application information. Security card information) and / or one time password (e.g., one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the financial account opening application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account attribute setting information through the financial account opening interface (315b).

If the terminal inputs (or selects) financial account opening application information including the customer information and financial account attribute setting information through the user interface (320b), the terminal inputs the input (or Selected) transmits the financial account opening application information to the server (325b).

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, and / Or the IC chip (or IC) when the authorized certificate is provided on a predetermined IC chip (or IC card) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 135 associated with the financial account opening system in response to the customer. It is preferable to comprise as mentioned above.

The financial account attribute setting information is attribute information for a financial account where a point (or cyber money) for depositing and providing a mock investment service to be opened through the financial account establishment application information is provided for the mock investment service providing and management. It is preferable to comprise a.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel and confirms the validity of the financial account opening application information (330b).

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted financial account opening application information, and a technology for confirming an electronic signature attached to the financial account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the financial account opening application information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the financial account opening application information. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the server requests for opening the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity of the financial account opening application information is matched with the financial account opening application information in the ledger D / B 140 on the financial system 135 linked to the financial account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the financial account opening application information may include: the financial system 135 in which the customer information (customer personal information, member information, etc.) included in the financial account opening application information is linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B 140 of the award.

In addition, the validity of the financial account opening application information is included in the financial account opening application information.

It is preferable to include checking.

If the validity of the financial account opening application information is not authenticated (335b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (340b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (335b), the server generates predetermined account ledger information corresponding to the financial account opening application information for providing and managing the mock investment service (345b), After opening the financial account of the customer name including the account ledger information in connection with the financial system 135 (350b), and generates (or extracted) predetermined financial account opening history information to the terminal ( 355b).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 135 (or a customer provided with matching customer information). Confirming the ledger), generating predetermined account ledger information including the financial account attribute included in the financial account opening application information, and then storing the account ledger information in the predetermined account ledger associated with the customer ledger. In response to the application for opening the financial account, it is preferable to open a financial account for providing and managing the mock investment service.

4 is a diagram illustrating a fund subscription system for providing a virtual investment opportunity for a fund product that is actually sold according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that the fund includes fund subscription request information including at least one of predetermined customer information, fund subscription information, customer financial account information, and fund subscription agreement information through a predetermined financial product subscription interface. When provided as a subscription institution, the fund subscription institution subscribes to a virtual fund product for providing a virtual investment opportunity for the actual selling fund product based on the fund subscription request information, and manages the virtual fund product. The present invention relates to a system for opening a financial account of the present invention. Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 4 to provide a virtual investment opportunity for an actual selling fund product. It would be possible to infer various implementation methods for the configuration of the fund subscription system for the present invention, the present invention Includes all embodiments and methods, it shall not be limited to the exemplary method shown in the figure 4.

Here, it is preferable that the virtual fund product for providing domestic investment opportunities for the fund product actually being sold is the same fund product as the fund product actually being sold and operated.

Hereinafter, at least one means and / or functional configuration for receiving the fund subscription request information from the customer through a predetermined financial product subscription interface on the fund subscription system shown in FIG. 4 and allowing the customer to subscribe to the virtual fund. The component corresponding to the "virtual fund management server 400" is called for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a fund subscription system for providing a virtual investment opportunity for the actual selling fund product includes at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 455 including at least one or more client terminal, the terminal device 455 is a virtual fund management server 400 provided on the fund subscription system through a predetermined network means ) And the communication channel are connected.

According to an embodiment of the present invention, the customer connects to the virtual fund management server 400 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. If the client terminal inputs (or selects) fund subscription request information for providing a virtual investment opportunity for the actual selling fund product through at least one user interface provided by the virtual fund management server 400, It is preferable to transmit to the virtual fund management server 400 provided on the fund subscription system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 455 connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP). Desktop computer and / or notebook connected to / IP or UDP / IP based communication network, or home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, refrigerator, set-top box) Box) or the like, or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 455 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 455 connected to an x-based mobile Internet and / or all terminal devices 455 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the virtual fund management server 400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for the information registration.

The network means for connecting the client terminal and the virtual fund management server 400 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the virtual fund management server 400, and inputs and / or selects at least one or more information through the user interface to the virtual fund management server 400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the virtual fund operation server 400, etc.) for transmitting to the network is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the fund subscription system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the virtual fund management server 400. And / or the wireless communication network performs a function of a financial product subscription interface for registering the fund subscription request information for the customer to provide a virtual investment opportunity for the actually sold fund product.

According to another exemplary embodiment of the present invention, the terminal device 455 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the fund subscription system as described above, when the terminal device 455 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the virtual fund operation are performed. The financial network connecting the server 400 performs a function of a financial product subscription interface for registering the fund subscription request information for the customer to provide a virtual investment opportunity for the actual selling fund product, and / or the When the terminal device 455 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the virtual fund operation server 400. Performs a function of a financial product subscription interface for registering the fund subscription request information for the customer to provide a virtual investment opportunity for the actual selling fund product, and / Is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal device 455, the terminal (and / or server) (not shown) and the terminal (and / or Or server) (not shown) and the network that connects the virtual fund management server 400 to the financial product subscription for the customer to register the fund subscription request information to provide a virtual investment opportunity for the actual sale of the fund product Perform the function of the interface.

The storage medium 450 provided on the fund subscription system according to the present invention is the customer information and subscription information included in the fund subscription request information provided from the terminal device 455, fund operation information, and a subscription to a fund. Information, subscription information and fund subscription processing information including at least one or more financial product operation information and financial account information.

The fund subscription information includes at least one point of time when the customer is requested to join the virtual fund based on the name of the fund for the fund that the client wants to join, the reference value at the time of requesting the subscription, the amount invested, and the point at which the customer requested the subscription. It is preferable to comprise.

For example, if a customer requests a subscription to a virtual fund that he or she wants to join, the point at which the subscription is processed for the actual fund is the day after the request for subscription in the case of a domestic fund (or the day after the end of the day off, if a day off). Or, in the case of an overseas fund, the date after which the actual membership is processed, depending on the country.

The customer financial account information preferably includes at least one or more account numbers, account aliases, etc. for a financial account in which a point (or cyber money) that can be invested in the virtual fund is deposited to join the virtual fund.

The fund subscription agreement information is for the customer to invest a point (or cyber money) for the virtual fund investment deposited in the customer account in the virtual fund that the customer wants to join.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 440 associated with the fund subscription system in response to the customer. It is preferable to comprise.

The subscription time information may include at least one date and time when the customer requests to join the virtual fund and at least one date and time information for which the actual subscription is processed.

The fund operation information preferably includes information that the customer requests for the subscription and correspondingly corresponds to the operation information for the real fund corresponding to the virtual fund that is processed to subscribe.

The subscription information includes at least one of a reference value applied when the customer subscribes to the virtual fund, an investment amount invested in the virtual fund, a fund name for the virtual fund to which the customer subscribes, a financial institution to which the customer subscribes, and the like. It is preferable.

The financial product operation information is a general term for information for managing and operating the virtual fund that the customer wants to subscribe to through the fund subscription request information through a predetermined financial account, and varies according to the characteristics and attributes of the virtual fund. It is preferable to carry out the deformation.

According to an exemplary embodiment of the present invention, the financial instrument operation information includes beneficiary certificate information corresponding to the fund-related product (eg, a beneficiary certificate attribute including a predetermined security number and an expected return rate and a subscription period corresponding to the fund). Etc.) is preferable.

The financial product management information may further include financial product basic information including a predetermined financial product name corresponding to the virtual fund, various additional attributes of the financial product, and the financial product management institution, or the financial product. In the case of the investment financial instrument, the financial instrument investment target information, the financial instrument investment amount information, and the like are preferably further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription request information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to one embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, the financial account is the beneficiary certificate is deposited, the account attribute is the beneficiary certificate attribute It is preferable to comprise a.

According to one embodiment of the invention, the storage medium 450 is preferably provided in a DBMS on the financial system 440 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 450 may be a ledger D / B 445 provided in a DBMS on the financial system 440, and / or a predetermined database associated with the ledger D / B 445. The present invention is not limited.

According to another method of the present invention, the storage medium 450 is provided on (or associated with) the bank subscription system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The virtual fund management server 400 provided on the fund subscription system according to the present invention is a generic term for the fund subscription system-side components connected to the terminal device 455 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 455 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the virtual fund management server 400 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accessible to the external system of the financial system 440 through the Internet banking system. A server (or device), a program included in the server (or device), and / or on the financial system 440 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system 440, thereby The invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the virtual fund management server 400 may perform the wireless operation. A predetermined wireless banking server provided on a banking system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 440 through the wireless banking system. (Or a device), a program included in the server (or device), and / or to an external system on the financial system 440 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or device) provided, and / or a program provided in the external world on the financial system 440, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the virtual fund operation server 400 may perform the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or the financial system 440 through the telebanking system. A server (or device) that is accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system on the financial system 440, and / or a program provided in the external system on the financial system 440, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the virtual fund operation server 400 A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 440 through the TV banking system. A foreign system on the financial system 440 that is a server (or device), a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 440, by which the present invention is not limited.

According to an embodiment of the present invention, the virtual fund operation server 400 includes an interface unit 405 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 455 through the network means. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 455 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 405 may be defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the TCP / IP or UDP / IP protocol. And 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 client terminal is provided with a communication program (eg, an internet banking program) provided by the virtual fund management server 400, the interface unit 405 is based on the TCP / IP or UDP / IP protocol. It connects a communication channel with the client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a financial automation device connected to a predetermined financial network, the interface unit 405 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 405 uses a 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 client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the virtual fund management server 400, the interface unit 405 may be configured based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 405 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 405 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 4, when the terminal device 455 connects a predetermined communication channel with the virtual fund management server 400 through the interface unit 405, the virtual fund management server 400 is connected to the virtual fund management server 400. At least one user for inputting (or selecting) predetermined fund subscription request information from the terminal device 455 to provide a virtual investment opportunity for an actual selling fund product to the virtual fund management server 400. An interface providing unit 410 (or interface providing means) for generating (or extracting) an interface and providing the generated (or extracted) user interface to the terminal device 455 in association with the interface unit 405. When the terminal device 455 inputs (or selects) the fund subscription request information through the user interface, the terminal device 455 is connected to the interface unit 405. And an information receiver 415 (or an information receiver) for receiving the fund subscription request information transmitted from 455.

The interface provider 410 connects a predetermined communication channel with the virtual fund management server 400 through the interface unit 405 to the virtual fund management server 400. When requesting a user interface for providing a virtual investment opportunity for the actual selling fund product, the terminal device 455 inputs (or selects) predetermined fund subscription request information to operate the virtual fund through the network means. Generate at least one user interface for transmission to the server 400, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 405 It is characterized in that provided to the terminal device 455 through a network means.

According to an embodiment of the present invention, when the terminal device 455 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 410 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a financial automation device connected to a predetermined financial network, the interface providing unit 410 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 410 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS based user interface) through the interface unit 405 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 455 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 410 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 405.

At least one user for inputting (or selecting) predetermined fund subscription request information to the terminal device 455 according to another exemplary embodiment of the present invention and transmitting the fund to the virtual fund operation server 400 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined fund subscription request information as described above to be transmitted to the virtual fund management server 400 is generated (or extracted). The interface providing unit 410 provided to the terminal device 455 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 455 inputs (or selects) fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information through the user interface. Fund input request information, which is input (or selected), is transmitted to the virtual fund management server 400 through the network means. In response thereto, the information receiver 415 is connected to the interface unit 405 in response to the terminal device. The fund subscription request information transmitted from 455 may be received.

According to the exemplary embodiment of the present invention, the terminal device 455 may include the customer information, the fund subscription information, the customer financial account information, and the fund subscription request information. At least one or more including a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the fund subscription request information; It is preferable to transmit to the virtual fund management server 400 through the network means.

According to an exemplary embodiment of the present invention, the terminal device 455 may include at least one encryption request information (eg, at least one fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information). , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or It is preferable to transmit an electronic signature to the virtual fund operation server 400 through the network means. For this purpose, the terminal device 455 includes at least one encryption key corresponding to the encryption method, and And / or have a predetermined certificate containing at least one encryption key, and / or the certificate is If provided in the IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the fund subscription request information and the technical features of attaching a predetermined electronic signature to the fund subscription request information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 4, when the fund subscription request information transmitted from the terminal device 455 is received through the information receiver 415, the virtual fund management server 400 receives the fund subscription request information. It is characterized in that it comprises a validity verification unit 420 (or validity verification means) for confirming whether the validity for providing the virtual investment opportunity for the actual sale of the fund product.

According to an embodiment of the present invention, the fund subscription request information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the validity checker 420 may convert the encrypted fund subscription request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or) corresponding to the encryption scheme. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received fund subscription request information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the validity verification unit 420 confirms the validity of the received fund subscription request information by checking the electronic signature attached to the fund subscription request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund subscription request information, and technical features for confirming an electronic signature attached to the fund subscription request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 415 further includes a predetermined password for confirming the validity of the fund subscription request information, the validity confirming unit 420 ) Compares and authenticates the received password included in the fund subscription request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received fund subscription request information.

Alternatively, when the fund subscription request information received through the information receiving unit 415 further includes predetermined security card information for confirming the validity of the fund subscription request information, the validity confirming unit 420 may determine the validity of the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received security card information included in the fund subscription request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 415 further includes a predetermined OTP code for confirming the validity of the fund subscription request information, the validity confirming unit 420 may be configured to include the OTP code. Validity of the received fund subscription request information by comparing and authenticating the received OTP code included in the fund subscription request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity check of the fund subscription request information may include at least one matched with the fund subscription request information in the ledger D / B 445 on the financial system 440 associated with the fund subscription system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information may be performed on the financial system 440 in which the customer information (customer personal information or member information, etc.) of the information included in the fund subscription request information is linked to the fund subscription system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (445).

In addition, the validity of the fund subscription request information is a financial system in which the customer financial account information of the information included in the fund subscription request information, the point (or cyber money) for joining the virtual fund is associated with the fund subscription system If it matches with the account ledger stored in the ledger D / B 445 on the (440), and if it is confirmed that the match, the customer financial account is a financial account deposited a point (or cyber money) for joining the virtual fund It is desirable to check further.

Referring to FIG. 4, the virtual fund operation server 400 uses the fund subscription request information received through the information receiving unit 415 through the validity checking unit 420 to virtually invest in the fund product being sold. When the validity for the opportunity is authenticated, predetermined financing corresponding to the virtual fund is based on the customer information, fund subscription information, customer financial account information, and fund subscription agreement information included in the validated fund subscription request information. An information generation unit 425 (or information generating means) for generating product operation information, and the financial information based on the customer information, fund subscription information, customer financial account information and fund subscription agreement information included in the fund subscription request information; And a financial account processing unit 430 (or financial account processing means) for opening and processing a financial account in the name of the customer including product operation information. And a gong.

When the validity of the fund subscription request information is confirmed by the validity confirmation unit 420, the information generator 425 may include customer information, fund subscription information, customer financial account information, and funds included in the fund subscription request information. And generating predetermined financial product operation information corresponding to the virtual fund based on the subscription agreement information.

According to the implementation method of the present invention, the financial product operation information is based on the customer information, fund subscription information, customer financial account information, fund subscription information based on the beneficiary certificate information corresponding to the virtual fund (E.g., a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund, etc.).

The financial account processing unit 430 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 440 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription request information. It is characterized in that the opening of a predetermined financial account for providing a virtual investment opportunity for the fund product for sale.

According to an embodiment of the present invention, when the virtual fund management server 400 and the financial system 440 exist in the same system, the financial account processing unit 430 may be linked to the ledger system 440 in the ledger D. It is preferable to create a predetermined ledger in the / B (445) including the financial instrument operation information.

According to another exemplary embodiment of the present invention, when the virtual fund operation server 400 and the financial system 440 exist on another system connected through a predetermined communication means, the financial account processing unit 430 may have a predetermined value. It is preferable to request the ledger D / B 445 on the other financial system 440 to generate a predetermined ledger including the financial product operation information through an external system on the financial system 440 through a communication means. Do.

According to another exemplary embodiment of the present invention, when the virtual fund management server 400 and the financial system 440 do not interoperate with each other, the financial account processing unit 430 is managed by the virtual fund management server 400. It is preferable to create a predetermined account including the financial product operation information in a database (not shown) for account management.

Thereafter, it is preferable that the customer transfers the point (or cyber money) deposited in the opened financial account to the opened virtual account through the financial account opening system shown in FIG.

Referring to FIG. 4, the virtual fund operation server 400 uses the fund subscription request information received through the information receiving unit 415 through the validity checking unit 420 to virtually invest in the fund product being sold. When the validity for the opportunity is authenticated, by the customer information and subscription time information, fund operation information, fund subscription agreement information, subscription information and the information generation unit 425 included in the validity-certified fund subscription request information An information storage unit 435 for storing, on a predetermined storage medium 450, fund subscription processing information including at least one of the generated financial product operation information and the financial account information generated by the financial account processing unit 430. It characterized by comprising a.

When the validity of the fund subscription request information is confirmed by the validity confirmation unit 420, the information storage unit 435 may include the customer information and the date of joining, fund operation information, and fund included in the fund subscription request information. Fund subscription processing information including at least one subscription agreement information and subscription information is stored in the storage medium 450.

In addition, when the financial product operation information generated by the information generation unit 425 is generated, the information storage unit 435 further includes the generated financial product operation information in the fund subscription processing information. It is desirable to store in the medium 450.

In addition, the information storage unit 435, when the financial account including the financial product operation information is opened in the ledger D / B 445 on the financial system 440, the financial information opened in the fund subscription processing information It is preferable to further store the account information in the storage medium 450.

According to an embodiment of the present invention, when the storage medium 450 is provided in the virtual fund management server 400 or on a network associated with the virtual fund management server 400, the information storage unit ( 435) a fund subscription including at least one of the customer information and subscription time information, fund management information, fund subscription agreement information, subscription information and the financial product management information and financial account information included in the received fund subscription request information; Preferably, the processing information is stored in the storage medium 450.

According to another exemplary embodiment of the present invention, when the storage medium 450 is provided in a DBMS provided on the financial system 440, the information storage unit 435 may be included in the received fund subscription request information. Through the external system on the financial system 440, the information on the membership of the bank, the fund operation information, the fund subscription agreement information, the subscription information, and the fund subscription processing information including at least one of the financial product operation information and the financial account information. It is preferable to provide the information system and store it in the DBMS provided on the financial system 440.

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5A and 5B illustrate a virtual fund subscription process for providing a virtual investment opportunity for a fund product that is actually sold in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show that the terminal device 455 on the fund subscription system shown in FIG. 4 is a client terminal, and the virtual fund management server 400 can access the client terminal through a predetermined network means. In the case of having a web server function, the customer information, fund entry information, customer financial account through the client terminal in order to subscribe a virtual fund for providing a virtual investment opportunity for a fund product actually sold by a given customer If the fund subscription request information including at least one information, fund subscription agreement information is provided, the fund subscription system includes at least one of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information. The above provision for providing a virtual investment opportunity for the actual selling funds based on the requested information As an implementation method for processing a subscription to a commercial fund, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b, and the virtual fund operation server (at the client terminal). Although various implementation methods for registering the fund subscription request information may be inferred with reference to FIG. 400, the present invention includes all implementation methods inferred from the present invention, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the method shown in FIGS. 5A and 5B, the virtual fund management server 400 provides a user interface through which the client terminal inputs (or selects) the fund subscription request information. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the virtual fund management server 400, and the present invention is not limited thereto.

Hereinafter, in FIG. 5A and FIG. 5B, the client terminal shown in FIG. 4 is referred to as a “terminal” for convenience, and the virtual fund operation server 400 shown in FIG. 4 is referred to as a “server” for convenience. The customer information, fund subscription information, customer financial account information, and fund subscription agreement information transmitted from the terminal to the virtual fund operation server 400 are referred to as "fund request information" for convenience.

5A and 5B, when the client terminal illustrated in FIG. 4 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the actual When a web page including a user interface for providing a virtual investment opportunity for a selling fund product is requested (500), the server responds to the customer information, fund subscription information, customer financial account information, and fund subscription agreement information. Web page including a user interface for inputting (or selecting) fund subscription request information including at least one of Generate (or extract), and 505, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station (510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the fund subscription request information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) fund subscription request information including at least one or more customer information, fund subscription information, customer financial account information, and fund subscription agreement information through the user interface included in the web page (515). .

If the terminal receives (or selects) fund subscription request information including the customer information, fund subscription information, customer financial account information, and fund subscription agreement information through the user interface (520), the terminal transmits the communication channel. Through the input (or selected) the customer information, fund subscription information, customer financial account information, fund subscription agreement information is transmitted to the server (525).

According to an embodiment of the present invention, the terminal validity of the fund subscription request information in the server to the fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, fund subscription agreement information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming that the transmission to the server via the network means desirable.

According to an embodiment of the present invention, the terminal includes at least one or more encryption schemes (eg, symmetric key based on fund subscription request information including at least one or more of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information). Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined digital signature to the fund subscription request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one or more encryption schemes (eg, symmetric key based on fund subscription request information including at least one or more of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information). An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), the card for confirming the authentication certificate provided on the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the fund subscription request information and the technical features of attaching a predetermined electronic signature to the fund subscription request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the fund subscription information, the customer financial account information, and the fund subscription agreement information through the communication channel to confirm the validity of the fund subscription request information (530).

According to an embodiment of the present invention, the fund subscription request information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted fund subscription request information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received fund subscription request information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the server may verify the validity of the received fund subscription request information by checking the electronic signature attached to the fund subscription request information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund subscription request information, and technical features for confirming an electronic signature attached to the fund subscription request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 415 further includes a predetermined password for checking the validity of the fund subscription request information, the server joins the fund. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received password included in the request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 415 further includes predetermined security card information for confirming the validity of the fund subscription request information, the server may include the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 415 further includes a predetermined OTP code for checking the validity of the fund subscription request information, the server is included in the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided to correspond to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the fund subscription request information may include at least one matched with the fund subscription request information in the ledger D / B 445 on the financial system 440 associated with the fund subscription system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information may be performed on the financial system 440 in which the customer information (customer personal information or member information, etc.) of the information included in the fund subscription request information is linked to the fund subscription system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (445).

In addition, the validity of the fund subscription request information is the information included in the fund subscription request information, the customer financial account information is a point (or cyber money) for joining the virtual fund is a finance associated with the fund subscription system Check if it matches with the account ledger stored in the ledger D / B 445 on the system 440, and if it is matched, the customer financial account is a financial account in which a point (or cyber money) for joining the virtual fund is deposited. It is desirable to check further.

If the validity of the fund subscription request information is not authenticated (535), the server generates a web page including predetermined financial product error information and transmits it to the terminal (540), and performs the virtual fund subscription procedure. I never do that.

On the other hand, if the validity of the fund subscription request information is authenticated (535), the server is based on the customer information, fund subscription information, customer financial account information, fund subscription agreement information included in the fund subscription request information to the virtual fund Corresponding predetermined financial product operation information is generated (545).

According to the method of the present invention, the server is based on the customer information, fund subscription information, customer financial account information, fund subscription agreement information included in the fund subscription request information (eg, beneficiary certificates information corresponding to the virtual fund) And a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund.

Thereafter, the server includes the financial product operation information based on the customer information, fund subscription information, customer financial account information, and fund subscription agreement information included in the fund subscription request information in connection with the financial system 440. A financial account in the name of the customer is opened (550).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 440 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial product operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the fund subscription request information. It is characterized in that the opening of a predetermined financial account for providing a virtual investment opportunity for the actual sale of the fund product.

When the server and the financial system 440 exist in the same system according to an embodiment of the present invention, the server is linked to the financial system 440 in the ledger D / B 445, the financial product operation information It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 440 exist on another system connected through a predetermined communication means, the server is connected to the financial system 440 through a predetermined communication means. It is preferable to request the general ledger D / B 445 on the other financial system 440 to generate a predetermined account ledger including the financial product operation information through the external system.

According to another exemplary embodiment of the present invention, when the virtual fund management server 400 and the financial system 440 do not interoperate with each other, the financial account processing unit 430 is managed by the virtual fund management server 400. It is preferable to create a predetermined account including the financial product operation information in a database (not shown) for account management.

Thereafter, it is preferable that the customer transfers the point (or cyber money) deposited in the opened financial account to the opened virtual account through the financial account opening system shown in FIG.

Thereafter, the server includes the customer information included in the fund subscription request information, subscription time information, fund operation information, fund subscription agreement information, subscription information, and the financial product operation information generated by the information generation unit 425; The fund subscription processing information including at least one or more financial account information generated by the financial account processor 430 is stored in a predetermined storage medium 450 (555).

According to an exemplary embodiment of the present invention, when the storage medium 450 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. It is preferable to store the subscription information, fund management information, fund subscription agreement information, subscription information, and fund subscription processing information including at least one or more of the financial product operation information and financial account information in the storage medium 450.

According to another exemplary embodiment of the present invention, when the storage medium 450 is provided in a DBMS provided on the financial system 440, the server is joined with the customer information included in the received fund subscription request information. Financial information by providing information, fund management information, fund subscription agreement information, subscription information, and fund subscription processing information including at least one or more of the financial product operation information and financial account information through the external system on the financial system 440. It is desirable to store in a DBMS provided on the system 440.

Thereafter, the server generates predetermined financial product registration history information (for example, details of opening a financial account corresponding to the virtual fund, and / or details of storing the fund subscription request information in the storage medium 450). (Or extract) it is transmitted to the terminal (560).

According to one embodiment of the invention, the storage medium 450 is preferably provided in a DBMS on the financial system 440 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 450 may be a ledger D / B 445 provided in a DBMS on the financial system 440, and / or a predetermined database associated with the ledger D / B 445. The present invention is not limited.

According to another method of the present invention, the storage medium 450 is provided on (or associated with) the bank subscription system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A, 6B, and 6C are diagrams illustrating a virtual fund subscription process for providing a virtual investment opportunity for a fund product actually sold according to another embodiment of the present invention.

In more detail, FIGS. 6A, 6B, and 6C illustrate the case where the fund subscription system shown in FIG. 4 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the fund subscription system shown in FIG. 4). In the case where the virtual fund management server 400 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined fund subscription request information to the Internet banking server in order to subscribe to a virtual fund for providing a virtual investment opportunity for the actual selling fund product, the customer information in the Internet banking server. Fund subscription request information including at least one of fund subscription information, customer financial account information and fund subscription agreement information. On the contrary, the present invention relates to an implementation method of processing a subscription to the virtual fund for providing a virtual investment opportunity for the currently sold fund product. 6c may be inferred from various implementation methods for registering the fund subscription request information through other types of non-face-to-face financial transaction channels, but the present invention includes all the implementation methods inferred above. However, the present invention is not limited to the embodiment shown in FIGS. 6A, 6B, and 6C.

That is, in FIGS. 6A, 6B, and 6C, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal, Although an implementation method of connecting an internet banking-based financial transaction channel for registering fund subscription request information between the client terminal and the Internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 6A, 6B, and 6C, based on a predetermined Internet banking program mounted on the client terminal. Terminal and Internet banking server company Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration of fund subscription request information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 6a, 6b and 6c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transaction channels for registration of fund subscription request information. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 6A, 6B, and 6C.

In the following Figures 6a, 6b and 6c the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the virtual fund management server 400 is referred to as "server" for convenience.

6A and 6B and 6C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (620a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (625a), or if the terminal does not need to load and / or update the security module for internet banking (615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and server to a secure channel) between the terminal and the server (630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, confirming the digital signature in the terminal and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registration of fund subscription request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is also provided to the server for registration of fund subscription request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication process through the browser program (635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 640a, the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (645a).

If the Internet banking customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined fund subscription request information for providing a virtual investment opportunity for a fund product actually sold from the terminal to the server.

Subsequently, when the terminal requests a webpage including a user interface for providing a virtual investment opportunity for the actual selling fund product to the server through an internet banking-based financial transaction channel (600b), the server correspondingly Generates a web page including a user interface for inputting (or selecting) fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information to the server; (Or extract) 605b, and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (610b).

According to an embodiment of the present invention, the web page is a user interface for inputting (or selecting) fund subscription request information including at least one of customer information, fund subscription information, customer financial account information, and fund subscription agreement information in the terminal. It is preferably made, and / or predetermined password and / or security card information (e.g., in the process of applying for Internet banking) to verify the validity of the Internet banking customer requesting to register the fund subscription request information The security card information printed on the security card issued to the user and / or the one time password (OTP) (e.g., during the internet banking application process (or after an internet banking application) It is preferable to further include a user interface for inputting a one-time password generated through).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the fund subscription request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information through the financial product subscription interface (615b).

If the terminal receives (or selects) fund subscription request information including the customer information, fund subscription information, customer financial account information and fund subscription agreement information through the user interface (620b), the terminal transmits the financial transaction. The fund subscription request information input (or selected) is transmitted to the server through a channel (625b).

According to an embodiment of the present invention, the terminal validity of the fund subscription request information in the server to the fund subscription request information including at least one of the customer information, fund subscription information, customer financial account information, fund subscription agreement information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming that the transmission to the server via the network means desirable.

According to an embodiment of the present invention, the terminal includes at least one or more encryption schemes (eg, symmetric key based on fund subscription request information including at least one or more of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information). Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined digital signature to the fund subscription request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one or more encryption schemes (eg, symmetric key based on fund subscription request information including at least one or more of the customer information, fund subscription information, customer financial account information, and fund subscription agreement information). An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), the card for confirming the authentication certificate provided on the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the fund subscription request information and the technical features of attaching a predetermined electronic signature to the fund subscription request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the fund subscription request information through the financial transaction channel to confirm the validity of the fund subscription request information (600c).

According to an embodiment of the present invention, the fund subscription request information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted fund subscription request information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. Method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received fund subscription request information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the server may verify the validity of the received fund subscription request information by checking the electronic signature attached to the fund subscription request information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted fund subscription request information, and technical features for confirming an electronic signature attached to the fund subscription request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 415 further includes a predetermined password for checking the validity of the fund subscription request information, the server joins the fund. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received password included in the request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 415 further includes predetermined security card information for confirming the validity of the fund subscription request information, the server may include the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the fund subscription request information received through the information receiver 415 further includes a predetermined OTP code for checking the validity of the fund subscription request information, the server is included in the fund subscription request information. It is preferable to authenticate the validity of the received fund subscription request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided to correspond to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the fund subscription request information may include at least one matched with the fund subscription request information in the ledger D / B 445 on the financial system 440 associated with the fund subscription system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the fund subscription request information may be performed on the financial system 440 in which the customer information (customer personal information or member information, etc.) of the information included in the fund subscription request information is linked to the fund subscription system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (445).

In addition, the validity of the fund subscription request information is a financial system in which the customer financial account information of the information included in the fund subscription request information, the point (or cyber money) for joining the virtual fund is associated with the fund subscription system If it is confirmed that the match with the account ledger stored in the ledger D / B 445 on the (440), and if it is matched, whether the customer financial account is a financial account in which a point (or cyber money) for joining a virtual fund is deposited. It is desirable to check further.

If the validity of the fund subscription request information is not authenticated (605c), the server generates a web page including predetermined financial product error information and transmits it to the terminal (610c) and performs the virtual fund subscription procedure. I never do that.

On the other hand, if the validity of the fund subscription request information is authenticated (605c), the server is connected to the virtual fund based on the customer information, fund subscription information, customer financial account information, fund subscription agreement information included in the fund subscription request information. Corresponding predetermined financial product operation information is generated (620c).

According to one embodiment of the invention, the server is based on the customer information, fund subscription information, customer financial account information, fund subscription agreement information included in the fund subscription request information (beneficiary certificate information corresponding to the virtual fund (for example) , A beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

Thereafter, the server includes the financial product operation information based on the customer information, fund subscription information, customer financial account information, and fund subscription agreement information included in the fund subscription request information in connection with the financial system 440. A financial account under the customer's name is opened (625c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 440 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial product operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the fund subscription request information. It is characterized in that the opening of a predetermined financial account for providing a virtual investment opportunity for the actual sale of the fund product.

When the server and the financial system 440 exist in the same system according to an embodiment of the present invention, the server is linked to the financial system 440 in the ledger D / B 445, the financial product operation information It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 440 exist on another system connected through a predetermined communication means, the server is connected to the financial system 440 through a predetermined communication means. It is preferable to request the general ledger D / B 445 on the other financial system 440 to generate a predetermined account ledger including the financial product operation information through the external system.

According to another exemplary embodiment of the present invention, when the virtual fund management server 400 and the financial system 440 do not interoperate with each other, the financial account processing unit 430 is managed by the virtual fund management server 400. It is preferable to create a predetermined account including the financial product operation information in a database (not shown) for account management.

Thereafter, it is preferable that the customer transfers the point (or cyber money) deposited in the opened financial account to the opened virtual account through the financial account opening system shown in FIG.

Thereafter, the server includes the customer information included in the fund subscription request information, subscription time information, fund operation information, fund subscription agreement information, subscription information, and the financial product operation information generated by the information generation unit 425; Fund registration processing information including at least one or more financial account information generated by the financial account processor 430 is stored in a predetermined storage medium 450 (630c).

According to an exemplary embodiment of the present invention, when the storage medium 450 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. It is preferable to store the subscription information, fund management information, fund subscription agreement information, subscription information, and fund subscription processing information including at least one or more of the financial product operation information and financial account information in the storage medium 450.

According to another exemplary embodiment of the present invention, when the storage medium 450 is provided in a DBMS provided on the financial system 440, the server is joined with the customer information included in the received fund subscription request information. Financial information by providing information, fund management information, fund subscription agreement information, subscription information, and fund subscription processing information including at least one or more of the financial product operation information and financial account information through the external system on the financial system 440. It is desirable to store in a DBMS provided on the system 440.

Thereafter, the server generates predetermined financial product registration history information (for example, details of opening a financial account corresponding to the virtual fund, and / or details of storing the fund subscription request information in the storage medium 450). (Or extract) it is transmitted to the terminal (635c).

According to one embodiment of the invention, the storage medium 450 is preferably provided in a DBMS on the financial system 440 provided on the fund subscription system (or associated with the fund subscription system), wherein The storage medium 450 may be a ledger D / B 445 provided in a DBMS on the financial system 440, and / or a predetermined database associated with the ledger D / B 445. The present invention is not limited.

According to another method of the present invention, the storage medium 450 is provided on (or associated with) the bank subscription system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7 is a diagram illustrating a non-face-to-face virtual fund operating system for providing information on a virtual fund subscribed to by a customer and converting a real fund according to an embodiment of the present invention.

In more detail, Figure 7 is a subscription that a customer includes at least one or more customer information for providing information about the virtual fund subscribed to the customer and the actual fund conversion to the virtual fund operating system through a predetermined information query interface If the inquiry request information is provided, the virtual fund operation system inquires the virtual fund subscribed to by the customer based on the provided subscription history inquiry request information, and various kinds of information (eg, reference value information, Yield rate information, valuation information, etc.) and provide the identified various types of information to the customer.

In addition, FIG. 7 is a system for converting a virtual fund held by the customer into a real fund when the client requests a real fund conversion for the virtual fund to which the customer has already subscribed after inquiring of the virtual fund to which the customer has already subscribed. It's about configuration.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 7 to provide information on the virtual funds subscribed to by the customers and various implementations of the virtual fund operating system for actual fund conversion. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the actual method shown in FIG.

Hereinafter, the subscription history inquiry request information is provided from the customer through a predetermined information inquiry interface on the virtual fund operation system shown in FIG. 7, and the virtual fund held by the customer is based on the subscription history inquiry request information. A component corresponding to at least one or more means and / or functional configurations for confirming various types of information and providing it to the customer is referred to as a "virtual fund operation server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a virtual fund operating system for providing information about a virtual fund subscribed to by a customer and real fund conversion may include at least one wired terminal and / or a wireless terminal used by a customer. And a client terminal 755 including at least one or more client terminals including the above, wherein the client terminal 755 is a virtual fund provided on the virtual fund operating system through a predetermined network means. The operating server 700 and the communication channel is connected.

According to an embodiment of the present invention, the customer connects to the virtual fund management server 700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the virtual fund management server 700 provides (or selects) subscription information inquiry request information for providing the information about the virtual fund to which the customer subscribes and converting the actual fund through at least one user interface provided by the virtual fund operation server 700, It is preferable to transmit from the client terminal to the virtual fund management server 700 provided on the virtual fund operating system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP), and the TCP / IP or Desktop computer and / or notebook connected to a UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, refrigerator, set-top box, etc.) ), Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the virtual fund management server 700 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the virtual fund management server 700 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the virtual fund management server 700, and inputs and / or selects at least one or more information through the user interface to the virtual fund management server 700. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the virtual fund operation server 700, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the virtual fund operating system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the virtual fund management server 700. The communication network and / or the wireless communication network perform a function of an information query interface for the customer to register information on the subscription inquiry request information for providing information about the virtual fund subscribed to by the customer and for converting the actual fund.

According to another exemplary embodiment of the present invention, the customer terminal 755 is, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further comprise a financial automation device (not shown) including a cash dispenser (CD), and / or a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the virtual fund operating system as described above, when the customer terminal 755 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the virtual fund are operated. The financial network connecting the server 700 performs a function of an information query interface for the customer to register the subscription details inquiry request information for providing information about the virtual fund subscribed to the customer and the actual fund conversion, and / Or when the customer terminal 755 is the call terminal (not shown), a wired telephone network and / or connecting the call terminal (not shown) and the call terminal (not shown) and the virtual fund operation server 700. The wireless telephone network functions as an information query interface for the customer to register information about the subscription inquiry request to provide information about the virtual fund subscribed to by the customer and to convert the actual fund. And / or when the customer terminal 755 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and The network connecting the terminal (and / or server) (not shown) to the virtual fund management server 700 requests the subscription details for the customer to provide information about the virtual fund to which the customer subscribes and to convert the actual fund. Performs the function of an information query interface for registering information.

The virtual fund operation server 700 provided on the virtual fund operation system according to the present invention is a generic term for the virtual fund operation system side component connected to the customer terminal 755 through a predetermined network means, and at least one It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal 755 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the virtual fund operation server 700. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the customer terminal 755 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the virtual fund operation server 700 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the virtual fund operation server 700 may perform the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the alien, a program provided in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the virtual fund operation server 700 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the virtual fund management server 700 includes an interface unit 705 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal 755 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the customer terminal 755 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 705 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the virtual fund management server 700, the interface unit 705 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a financial automation device connected to a predetermined financial network, the interface unit 705 may perform the financial automation based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 uses a 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 client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the virtual fund management server 700, the interface unit 705 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 705 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 705 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 705 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 7, the virtual fund management server 700 connects a predetermined communication channel with a predetermined communication channel through a predetermined customer terminal 755 through the interface unit 705. At least the client terminal 755 inputs (or selects) predetermined subscription details request information to be transmitted to the virtual fund management server 700 in order to provide information about the virtual fund to which the customer subscribes and to convert the actual fund. Interface providing unit 710 (or interface providing) for generating (or extracting) one or more user interfaces and providing the generated (or extracted) user interface to the customer terminal 755 in association with the interface unit 705. Means), and when the client terminal 755 inputs (or selects) the subscription history inquiry request information through the user interface, the client terminal 755 associates with the interface unit 705. The customer of the subscription history transmitted from the terminal 755 and an information receiving unit 715 (or an information receiving means) for receiving the query request, the information characterized by comprising.

The interface provider 710 connects a predetermined communication channel with the virtual fund management server 700 through the interface 705 through the client terminal 705, and then the virtual fund management server 700. When a user interface for providing information about the virtual fund subscribed to by the customer and changing the actual fund is requested, the client terminal 755 inputs (or selects) predetermined subscription details inquiry request information through the network means. Generate at least one user interface to be transmitted to the virtual fund management server 700, and / or extracted from a predetermined database (not shown), and generated (or extracted) in conjunction with the interface unit 705 It provides a user interface to the customer terminal 755 via the network means.

According to an embodiment of the present invention, when the customer terminal 755 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a financial automation device connected to a predetermined financial network, the interface providing unit 710 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 705 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 710 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705. .

According to another exemplary embodiment of the present invention, at least one or more users inputting (or selecting) predetermined subscription history inquiry request information to the customer terminal 755 and transmitting the information to the virtual fund operation server 700 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined subscription history inquiry request information as described above to be transmitted to the virtual fund management server 700 is generated (or extracted). The interface providing unit 710 provided to the customer terminal 755 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 755 inputs (or selects) subscription history inquiry request information including the customer information through the user interface, and transmits the input (or selected) subscription history inquiry request information to the network means. The virtual fund management server 700 through the transmission, in response to the information receiving unit 715 receives the subscription history inquiry request information transmitted from the customer terminal 755 in conjunction with the interface unit 705. It is characterized by.

According to an embodiment of the present invention, the customer terminal 755 confirms the validity of the subscription details inquiry request information in the virtual fund management server 700 in the subscription details inquiry request information including at least one of the customer information. The virtual fund management server 700 through the network means further comprises at least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for It is desirable to send to.

According to an exemplary embodiment of the present invention, the customer terminal 755 may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based information) that includes subscription history inquiry request information including at least one of the customer information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the subscription inquiry request information. It is preferable to transmit to the fund management server 700, and for this purpose, the client terminal 755 includes at least one encryption key corresponding to the encryption scheme, and / or includes a predetermined at least one encryption key. When the official certificate is provided and / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the subscription details inquiry request information, and technical features of attaching a predetermined electronic signature to the subscription details inquiry request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 7, when the virtual fund operation server 700 receives the subscription history inquiry request information transmitted from the customer terminal 755 through the information receiver 715, the received subscription history inquiry request information is received. Is provided with a validity verification unit 720 (or validity confirming means) for confirming whether the customer satisfies the information for the virtual fund subscription and the actual fund conversion.

According to an embodiment of the present invention, the subscription inquiry request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 720 may include the at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received subscription history query request information.

Alternatively, when a predetermined electronic signature is attached to the subscription history inquiry request information, the validity confirming unit 720 checks the electronic signature attached to the subscription history inquiry request information to the received subscription history inquiry request information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted subscription details inquiry request information, and a technology for confirming an electronic signature attached to the subscription details inquiry request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the subscription history inquiry request information received through the information receiving unit 715 further includes a predetermined password for confirming the validity of the subscription history inquiry request information, the validity confirmation unit The 720 may verify the validity of the received subscription history inquiry request information by comparing and authenticating the received password included in the subscription history inquiry request information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the subscription details inquiry request information received through the information receiver 715 further includes predetermined security card information for confirming the validity of the subscription details inquiry request information, the validity verification unit 720 Compares and authenticates the received security card information included in the subscription history inquiry request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received subscription history inquiry request information. desirable.

Alternatively, when the subscription history inquiry request information received through the information receiver 715 further includes a predetermined OTP code for confirming the validity of the subscription history inquiry request information, the validity verification unit 720 may include: By comparing and authenticating the received OTP code included in the subscription history inquiry request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received subscription history inquiry request information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity check of the subscription history inquiry request information may include at least one ledger information matching the subscription history inquiry request information in the ledger D / B on the financial system associated with the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity confirmation unit 720 is the information contained in the subscription inquiry request information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the virtual fund management system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Referring to FIG. 7, the virtual fund management server 700 includes information on a virtual fund subscribed by the customer through the validity checking unit 720 to the subscription details inquiry request information received through the information receiving unit 715. When the validity for the provision and the actual fund conversion is authenticated, based on the subscription history inquiry request information, the subscription information about one or more virtual funds owned by the customer who requested the subscription history inquiry is checked, and the confirmation is performed. An information checking unit 725 (or information checking means) for confirming the reference value for the virtual fund, and an information calculating unit for calculating the valuation amount and the rate of return based on the subscription information and the reference value for the identified virtual fund ( 730 (or information calculating means), and the information providing unit 735 (or information providing means) for processing the calculated evaluation amount and the rate of return to be provided to the customer terminal 755 to be output. Characterized in that formed by having.

In addition, the virtual fund management server 700 checks the customized virtual fund based on the propensity (or virtual fund investment history) of the customer when providing the valuation amount and the rate of return for the virtual fund held by the customer ( 725) (or information verification means), and when the customer invests in (or joins) a customized virtual fund at the time when the customer subscribes to the identified virtual fund, the corresponding valuation amount and rate of return An information providing unit 735 for processing the information calculating unit 730 (or information calculating means) and the evaluation value and return rate calculated corresponding to the identified customized virtual fund to be output to the customer terminal 755. (Or information providing means).

In this case, the information on the customized virtual fund may be provided when the inquiry request for the virtual fund held by the customer, or when the inquiry request for other virtual funds other than the inquiry request for the virtual fund held by the customer. Do.

If the subscription history inquiry request information received through the information receiving unit 715 is validated for providing information about the virtual fund subscribed to by the customer through the validity checking unit 720 and converting the actual fund, the information is confirmed. The unit 725 checks the subscription information of one or more virtual funds held by the customer who requested the subscription history inquiry based on the validity of the subscription history inquiry request information, and calculates a reference value for the verified virtual fund. It is characterized by checking.

In addition, the information verification unit 725 is characterized in confirming the customized virtual fund based on the customer's propensity (or virtual fund investment history) for the customer that sent the subscription history inquiry request information.

Here, the customer's disposition is preferably confirmed by providing a simple question information at the time of joining the first virtual fund, receiving the corresponding answer information from the customer, and analyzing and analyzing the same. It is desirable to update the customer's propensity based on the details of the invested virtual fund).

According to an embodiment of the present invention, the confirmation of subscription information for one or more virtual funds held by the customer includes checking the ledger D / B on the financial system based on the customer information on the customer, and confirming the customer ledger. By checking the account ledger for the virtual fund among the account ledgers associated with the confirmed customer ledger, it is preferable to check the details of one or more virtual funds held by the customer, and if the account ledger for the virtual fund held by the customer is confirmed, It is desirable to further check the subscription information stored in the confirmed account ledger.

In addition, the reference value for the identified virtual fund is confirmed in connection with a fund management server (not shown) operating a real fund corresponding to the virtual fund, or a database for storing / managing information about the virtual fund. It is preferable to search and confirm (not shown).

If one or more of the subscription information and the reference value for the virtual fund held by the customer requesting the inquiry is confirmed through the information verification unit 725, the information calculation unit 730 is the subscription information for the identified virtual fund and It is characterized by calculating the valuation amount and the rate of return based on the base price.

In addition, the information calculating unit 730 when the customer invests in (or joins) a customized virtual fund at the time when the customer joins the virtual fund that the customer requests to inquire, the valuation amount and the return rate corresponding thereto. It is characterized by calculating.

According to the implementation method of the present invention, the evaluation amount and the yield calculation based on the subscription information and the reference price, the customer is based on the reference price at the time when the customer subscribes to the virtual fund and the reference price at the time of requesting inquiry It is desirable to calculate the valuation amount and the rate of return at the time of requesting inquiry to the amount invested.

That is, if the reference value is 1,000 won when the customer joins the virtual fund, and the customer invests 10 million won in the virtual fund, the reference value is 1500 won when the customer requests an inquiry. As long as 10 million won is requested, the valuation amount is 15 million won, and the yield is preferably 50%.

Here, when calculating the valuation amount and the rate of return at the time of requesting the inquiry, it is preferable to calculate all the fees (or some fees) such as the fund management fee spent for the operation of the fund.

According to the implementation method of the present invention, the valuation amount and the rate of return for the case of investing (or subscribing to) the customized virtual fund at the time when the customer subscribes to the identified virtual fund to the identified customized virtual fund are calculated. It is desirable to check the base price at the time of joining the virtual fund for the virtual fund and the base price at the time of requesting the inquiry, and calculate the valuation amount and the yield based on this.

When the valuation amount and the rate of return for the virtual fund held by the customer are calculated through the information calculator 730, the information provider 735 calculates the request to the customer terminal 755 that transmits the subscription details inquiry request information. It is characterized by providing the valuation amount and the rate of return.

In addition, the information providing unit 735 is characterized in that the processing to be output to the customer terminal 755 by providing the valuation amount and the rate of return calculated in response to the identified customized virtual fund.

Referring to FIG. 7, the virtual fund management server 700 connects a predetermined communication channel with a predetermined communication channel through a predetermined customer terminal 755 through the interface unit 705. At least the client terminal 755 inputs (or selects) predetermined virtual fund inquiry request information and transmits the information to the virtual fund management server 700 in order to provide information about the virtual fund to which the customer subscribes and convert the actual fund. Interface providing unit 710 (or interface providing) for generating (or extracting) one or more user interfaces and providing the generated (or extracted) user interface to the customer terminal 755 in association with the interface unit 705. Means), and when the client terminal 755 inputs (or selects) the virtual fund inquiry request information through the user interface and transmits the information, the client terminal 755 associates with the interface unit 705. By having the client terminal of the virtual fund query information receiver 715 (or an information receiving means) for receiving the requested information transmitted from the (755) characterized by comprising.

The interface provider 710 connects a predetermined communication channel with the virtual fund management server 700 through the interface unit 705 to the virtual fund management server 700. When requesting a user interface for providing information about a virtual fund to which the customer subscribes and converting an actual fund, the client terminal 755 inputs (or selects) predetermined virtual fund inquiry request information through the network means. Create at least one user interface to be transmitted to the virtual fund management server 700, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 705, the generated (or extracted) user It provides an interface to the customer terminal 755 through the network means.

According to an embodiment of the present invention, when the customer terminal 755 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a financial automation device connected to a predetermined financial network, the interface providing unit 710 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 705 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 710 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV), and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705. .

At least one user for inputting (or selecting) predetermined virtual fund inquiry request information to the client terminal 755 according to another embodiment of the present invention and transmitting the predetermined virtual fund inquiry request information to the virtual fund operation server 700 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined virtual fund inquiry request information is generated (or extracted) to be transmitted to the virtual fund operation server 700 as described above. The interface providing unit 710 provided to the customer terminal 755 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 755 inputs (or selects) virtual fund inquiry request information including at least one of the customer information through the user interface, and displays the input (or selected) virtual fund inquiry request information. The virtual fund management server 700 is transmitted through a network means. In response, the information receiving unit 715 is connected to the interface unit 705 in response to the virtual fund inquiry request information transmitted from the client terminal 755. Characterized in that it receives.

According to an embodiment of the present invention, the customer terminal 755 confirms the validity of the virtual fund inquiry request information in the virtual fund operation server 700 in the virtual fund inquiry request information including at least one of the customer information. The virtual fund management server 700 through the network means further comprises at least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for It is desirable to send to.

According to an embodiment of the present invention, the customer terminal 755 may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based information) that includes the virtual fund inquiry request information including at least one of the customer information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the virtual fund inquiry request information. It is preferable to transmit to the fund management server 700, and for this purpose, the client terminal 755 includes at least one encryption key corresponding to the encryption scheme, and / or includes a predetermined at least one encryption key. When the official certificate is provided and / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the virtual fund inquiry request information, and technical features of attaching a predetermined electronic signature to the virtual fund inquiry request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 7, when the virtual fund inquiry request information is received through the information receiving unit 715, the virtual fund management server 700 based on the received virtual fund inquiry request information, the propensity of the customer (or An information verification unit 725 (or information verification means) for confirming a customized virtual fund based on a virtual fund investment history, and a customized virtual at the time when the customer subscribes to the identified customized virtual fund. When investing (or joining) a fund, the information calculating unit 730 (or information calculating means) for calculating the corresponding valuation amount and return rate, and the valuation amount and return rate calculated in response to the identified customized virtual fund It is characterized in that it comprises an information providing unit 735 (or information providing means) for processing to be provided to the customer terminal 755 to be output.

When the virtual fund inquiry request information is received through the information receiver 715, the information verification unit 725 identifies one or more customized virtual funds for the customer based on the received virtual fund inquiry request information. Characterized in that the reference value for the one or more customized virtual funds identified above.

Here, the customer's disposition is preferably confirmed by providing a simple question information at the time of joining the first virtual fund, receiving the corresponding answer information from the customer, and analyzing and analyzing the same. It is desirable to update the customer's propensity based on the details of the invested virtual fund).

When one or more customized virtual funds for the customer are confirmed through the information checking unit 725, the information calculating unit 730 may include a reference value for the identified customized virtual fund and one or more virtual funds held by the customer. It is characterized by calculating the valuation amount and the rate of return based on the subscription information for.

According to the implementation method of the present invention, the evaluation amount and the yield calculation based on the subscription information and the reference price, the customer is based on the reference price at the time when the customer subscribes to the virtual fund and the reference price at the time of requesting inquiry It is desirable to calculate the valuation amount and the rate of return at the time of requesting inquiry to the amount invested.

That is, if the reference value is 1,000 won when the customer joins the virtual fund, and the customer invests 10 million won in the virtual fund, the reference value is 1500 won when the customer requests an inquiry. As long as 10 million won is requested, the valuation amount is 15 million won, and the yield is preferably 50%.

Here, when calculating the valuation amount and the rate of return at the time of requesting the inquiry, it is preferable to calculate all the fees (or some fees) such as the fund management fee spent for the operation of the fund.

When the valuation amount and the rate of return for the customized virtual fund are calculated through the information calculating unit 730, the information providing unit 735 evaluates the calculated value to the customer terminal 755 that transmits the virtual fund inquiry request information. It is characterized by providing an amount and a yield.

Referring to FIG. 7, the virtual fund management server 700 connects a predetermined communication channel with a predetermined communication channel through a predetermined customer terminal 755 through the interface unit 705. At least one user for inputting (or selecting) predetermined virtual fund conversion request information from the client terminal 755 to transmit the actual fund for the virtual fund to which the customer has subscribed to the virtual fund management server 700. An interface providing unit 710 (or interface providing means) for generating (or extracting) an interface and providing the generated (or extracted) user interface to the customer terminal 755 in association with the interface unit 705. When the customer terminal 755 inputs (or selects) the virtual fund conversion request information through the user interface and transmits the information, the customer terminal is linked with the interface unit 705. And an information receiver 715 (or an information receiver) for receiving the virtual fund conversion request information transmitted from the horse 755.

The interface provider 710 connects a predetermined communication channel with the virtual fund management server 700 through the interface unit 705 to the virtual fund management server 700. When the user interface request for the actual fund conversion for the virtual fund subscribed to by the customer is requested, the client terminal 755 inputs (or selects) predetermined virtual fund conversion request information to operate the virtual fund through the network means. Generate at least one user interface for transmission to the server 700, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 705 It is characterized in that it provides to the customer terminal 755 through a network means.

According to an embodiment of the present invention, when the customer terminal 755 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a financial automation device connected to a predetermined financial network, the interface providing unit 710 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 705 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 755 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

At least one user for inputting (or selecting) predetermined virtual fund conversion request information to the customer terminal 755 and transmitting the predetermined virtual fund conversion request information to the virtual fund operation server 700 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined virtual fund conversion request information as described above and generating (or extracting) the user interface for transmitting to the virtual fund operation server 700 is generated (or extracted). The interface providing unit 710 provided to the customer terminal 755 may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal 755 inputs (or selects) virtual fund conversion request information including at least one of the customer information and the target virtual fund information to be converted through the user interface, and the input (or selected) virtual Fund conversion request information is transmitted to the virtual fund management server 700 through the network means, and correspondingly, the information receiving unit 715 is transmitted from the client terminal 755 in association with the interface unit 705. And receiving the virtual fund conversion request information.

According to an embodiment of the present invention, the virtual terminal conversion request from the virtual fund management server 700 to the virtual fund conversion request information including at least one of the customer information and the conversion target virtual fund information. At least one or more of a predetermined password and / or security card information for confirming validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like. It is preferable to transmit to the fund management server 700.

According to an embodiment of the present invention, the client terminal 755 may include at least one encryption method (eg, a symmetric key based encryption method) for converting the virtual fund conversion request information including at least one of the customer information and the target virtual fund information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the virtual fund conversion request information. It is preferable to transmit to the virtual fund management server 700 via a network means, for which the customer terminal 755 has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption Have a predetermined certificate containing a key, and / or the certificate is placed on a predetermined IC chip (or IC card) When provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the virtual fund conversion request information, and technical features of attaching a predetermined electronic signature to the virtual fund conversion request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 7, when the virtual fund operation request server 700 receives the virtual fund conversion request information transmitted from the client terminal 755 through the information receiving unit 715, the received virtual fund conversion request information is received. Is provided with a validity verification unit 720 (or validity confirming means) for confirming whether the customer satisfies the information for the virtual fund subscription and the actual fund conversion.

According to an embodiment of the present invention, the virtual fund conversion request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 720 converts the encrypted virtual fund conversion request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received virtual fund conversion request information.

Alternatively, when a predetermined electronic signature is attached to the virtual fund conversion request information, the validity verification unit 720 checks the electronic signature attached to the virtual fund conversion request information, thereby receiving the received virtual fund conversion request information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted virtual fund conversion request information, and technology for confirming an electronic signature attached to the virtual fund conversion request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined password for confirming the validity of the virtual fund conversion request information, the validity confirming unit In operation 720, the password included in the virtual fund conversion request information is compared with a password provided corresponding to the customer on the DBMS and authenticated, thereby validating the validity of the received virtual fund conversion request information. Do.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the virtual fund conversion request information, the validity verification unit 720 Is to verify the validity of the received virtual fund conversion request information by comparing and authenticating the received security card information included in the virtual fund conversion request information with the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined OTP code for confirming the validity of the virtual fund conversion request information, the validity confirming unit 720 may include: Comparing and authenticating the received OTP code included in the virtual fund conversion request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received virtual fund conversion request information It is desirable to authenticate the validity of the.

According to an exemplary embodiment of the present invention, the validity of the virtual fund conversion request information may include at least one ledger information matching the virtual fund conversion request information in the ledger D / B on the financial system linked to the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity verification unit 720 is the information contained in the virtual fund conversion request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the virtual fund operating system D / It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the verification of the validity of the virtual fund conversion request information, preferably included in the information contained in the virtual fund conversion request information, including whether or not the conversion request for the virtual fund held by the customer.

That is, the verification of the validity of the virtual fund conversion request information is the information contained in the virtual fund conversion request information, the fund information for the conversion target virtual funds held by the customer is led by a financial system linked to the virtual fund operating system It is preferable to check whether it matches with the account ledger stored in the D / B, and if it is matched, whether the account ledger is connected to the customer ledger for the customer.

Referring to FIG. 7, the virtual fund operation server 700 receives the virtual fund conversion request information through the information receiving unit 715 and transmits the virtual fund conversion request information to the received virtual fund conversion request information through the validity checking unit 720. If the validity is verified, the information checking unit for confirming the reference value information at the time when the conversion request to the real fund for the virtual fund to be converted to the real fund among the virtual funds held by the customer in response to the received virtual fund conversion request information 725 (or information verification means), and withdraws the amount requested by the customer from the financial account included in the received virtual fund conversion request information based on the identified reference value information, and based on this And a conversion processing unit 745 (or conversion processing means) for converting the virtual fund to the real fund.

In addition, the virtual fund management server 700 obtains approval from the customer when there is a difference between the reference value at the time when the customer joins the virtual fund and the reference value at the time when the request is made to switch to the real fund. The approval processing unit 740 (or approval processing means), and when the customer invests (or subscribes to) the virtual fund, and the revenue is generated through the virtual fund, a portion (or all) of the generated profit And an incentive providing unit (or incentive providing means) provided as an incentive.

When the virtual fund operation server 700 receives the virtual fund conversion request information through the information receiving unit 715 and the validity of the received virtual fund conversion request information is confirmed through the validity checking unit 720, The information checking unit 725 confirms the reference value information at the time when the conversion request to the real fund for the virtual fund to be converted to the real fund among the virtual funds held by the customer in response to the received virtual fund conversion request information It features.

According to an embodiment of the present invention, the reference value information for the virtual fund to be converted to the actual fund among the virtual funds held by the customer, the fund management server operating a real fund corresponding to the virtual fund held by the customer (not shown) It is preferable to check the reference value information for the virtual fund to be converted to the real fund among the virtual funds held by the customer by confirming the reference value information for the real fund corresponding to the virtual fund held by the customer.

According to another exemplary embodiment of the present invention, the reference value information of the virtual fund to be converted into a real fund among the virtual funds owned by the customer may include a fund management server operating a real fund corresponding to the virtual fund held by the customer (shown in FIG. It is preferable to check the reference value information for the virtual fund through a database (not shown) that is linked with (not shown).

When the reference value information of the virtual fund to be converted into a real fund among the virtual funds held by the customer is confirmed through the information checking unit 725, the conversion processing unit 745 indicates the reference value information at the time of requesting the confirmed conversion. It is characterized in that the withdrawal processing of the amount requested by the customer from the financial account included in the received virtual fund conversion request information on the basis, and converts the virtual fund that the customer has already subscribed to the real fund based on this. .

According to the method of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund may include a reference value for the actual fund at the time when the client requests the conversion of the virtual fund to which the customer has already subscribed. It is preferable to process the new subscription based on the investment (or subscription) amount desired by the customer.

According to another exemplary embodiment of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund is established based on a reference value at the time when the client requests the conversion of the virtual fund that has been previously subscribed to the real fund. It is preferable to convert the account ledger for the virtual fund into an account ledger for the real fund and process the subscription through the investment (or subscription) amount desired by the customer.

Here, the point (or cyber money) that the customer invested in the virtual fund is preferably refunded to the financial account in which the virtual fund investment dedicated point (or cyber money) used for the virtual fund investment is deposited.

The approval processing unit 740 is the difference between the reference value for the virtual fund to be converted to the actual fund among the virtual funds held by the customer through the conversion processing unit 745 (that is, at the time of joining the virtual fund held by the customer) When there is a difference between the reference value and the reference value at the time of requesting the conversion, requesting the customer for approval, and if the customer has approved, characterized in that the conversion process.

According to an embodiment of the present invention, the method for requesting the approval from the customer may provide a request for approval to the customer by providing a difference between the reference value by SMS / MMS.

According to another embodiment of the present invention, the method for requesting approval to the customer, it is preferable to request the approval to the customer by providing a difference in the reference value through the communication means of the customer's email, bulletin board, blog, etc. Do.

If a revenue is generated for the virtual fund to which the customer has already subscribed during the conversion process, the incentive providing unit converts a portion (or all) of the revenue generated through the virtual fund to which the customer has already subscribed. It is preferable to provide incentives when joining (or investing) a real fund corresponding to a virtual fund.

In this case, the incentive may be provided to the customer as a cash deposit, or a point to the account for the actual fund that is converted.

FIG. 8 is a diagram illustrating a process of registering subscription details inquiry request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

In more detail, in FIG. 8, the client terminal 755 on the virtual fund operation system illustrated in FIG. 7 is a client terminal, and the virtual fund operation server 700 is accessible to a client terminal through a predetermined network means. In the case of having a server function, if a predetermined customer provides subscription history inquiry request information including customer information through the client terminal to provide information about the virtual fund subscribed to by the customer and to convert the actual fund, An embodiment of the present invention relates to a method for calculating an evaluation amount and a rate of return based on the provided subscription detail inquiry request information in a virtual fund operation system, and providing the calculated rate of return and the amount of evaluation to the client terminal. Those skilled in the art may refer to and / or modify this drawing to make the client stage In the virtual fund management server 700 may be inferred various implementation methods for registering the subscription details inquiry request information, the present invention includes all the implementation methods inferred, the embodiment shown in Figure 8 It is not limited to this.

For example, in the method illustrated in FIG. 8, the client terminal receives a user interface for inputting (or selecting) the subscription inquiry request information through a predetermined web page provided by the virtual fund operation server 700. Although illustrated as being described, when the client terminal is provided with a predetermined subscription history request program, the user interface may not be provided from the virtual fund management server 700, and the present invention is not limited thereto.

Hereinafter, in FIG. 8, the client terminal illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the virtual fund operation server 700 illustrated in FIG. 7 is referred to as a “server” for convenience. The customer information transmitted to the fund management server 700 is referred to as "subscription inquiry request information" for convenience.

Referring to FIG. 8, when the client terminal illustrated in FIG. 7 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the client terminal is a wireless terminal) , A CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, etc. When the client requests a web page including a user interface for providing information about a virtual fund and a real fund conversion (800), in response, the server inputs subscription details inquiry request information including the customer information ( Or (step 805) to generate (or extract) a web page including a user interface for transmission to the server, and through the network means. And transmits to output the web page that contains (or extracted) user interface to the mobile station 810. The

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the registration history inquiry request information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) subscription history inquiry request information including customer information through a user interface included in the web page (815).

If the subscription information inquiry request information including the customer information is input (or selected) through the user interface (820), the terminal receives the input (or selected) customer information through the communication channel. Send to the server (825).

According to an embodiment of the present invention, the terminal may include predetermined password and / or security card information for confirming the validity of the subscription history inquiry request information in the server to subscription history inquiry request information including the customer information. Or it may further include at least one or more OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one or more encryption schemes (eg, symmetric key based encryption schemes and / or public key based encryption schemes) for subscription history inquiry request information including at least one or more pieces of information. And / or an electronic envelope based encryption scheme, and / or a key exchange based encryption scheme, etc.), and / or attaching a predetermined electronic signature to the subscription inquiry request information and transmitting it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is When provided in a predetermined IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic device) of the subscription history inquiry request information including the customer information. Envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or, and / or have a predetermined certificate containing at least one encryption key, and / or the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the subscription details inquiry request information, and technical features of attaching a predetermined electronic signature to the subscription details inquiry request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information through the communication channel and checks the validity of the subscription details inquiry request information (830).

According to an embodiment of the present invention, the subscription inquiry request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted subscription details request information to at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received subscription details inquiry request information.

Alternatively, when a predetermined electronic signature is attached to the subscription history inquiry request information, the server verifies the validity of the received subscription history inquiry request information by checking the electronic signature attached to the subscription history inquiry request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted subscription details inquiry request information, and a technology for confirming an electronic signature attached to the subscription details inquiry request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the subscription history inquiry request information received through the information receiving unit 715 further includes a predetermined password for checking the validity of the subscription history inquiry request information, the server may It is preferable to authenticate the validity of the received subscription history inquiry request information by comparing and authenticating a password included in the subscription history inquiry request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the subscription details inquiry request information received through the information receiver 715 further includes predetermined security card information for confirming the validity of the subscription details inquiry request information, the server queries the subscription details. It is preferable to authenticate the validity of the received subscription history inquiry request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the subscription history inquiry request information received through the information receiving unit 715 further includes a predetermined OTP code for confirming the validity of the subscription history inquiry request information, the server requests the subscription history inquiry request. The validity of the received subscription details inquiry request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the subscription history inquiry request information may include at least one ledger information matching the subscription history inquiry request information in the ledger D / B on the financial system associated with the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity confirmation unit 720 is the information contained in the subscription inquiry request information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the virtual fund management system D / It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the subscription history inquiry request information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840), and the subscription history inquiry request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the subscription history inquiry request information is authenticated (835), the server corresponding to the received subscription history inquiry request information, the subscription information for one or more virtual funds held by the customer requesting the subscription history inquiry Confirm the reference value for the identified virtual fund (845), calculate a valuation amount and a yield based on the subscription information and the reference value for the identified virtual fund (850), and calculate the calculated valuation amount And a rate of return is provided to the terminal for processing (855).

In this case, the information on the customized virtual fund may be provided when the inquiry request for the virtual fund held by the customer, or when the inquiry request for other virtual funds other than the inquiry request for the virtual fund held by the customer. Do.

Here, the customer's disposition is preferably confirmed by providing a simple question information at the time of joining the first virtual fund, receiving the corresponding answer information from the customer, and analyzing and analyzing the same. It is desirable to update the customer's propensity based on the details of the invested virtual fund).

According to an embodiment of the present invention, the confirmation of subscription information for one or more virtual funds held by the customer includes checking the ledger D / B on the financial system based on the customer information on the customer, and confirming the customer ledger. By checking the account ledger for the virtual fund among the account ledgers linked to the customer ledger, it is preferable to check the details of one or more virtual funds held by the customer, and if the account ledger for the virtual fund held by the customer is confirmed, the confirmation It is desirable to further check the subscription information stored in the ledger.

In addition, the reference value for the identified virtual fund is confirmed in connection with a fund management server (not shown) operating a real fund corresponding to the virtual fund, or a database for storing / managing information about the virtual fund. It is preferable to search and confirm (not shown).

According to the implementation method of the present invention, the evaluation amount and the yield calculation based on the subscription information and the reference price, the customer is based on the reference price at the time when the customer subscribes to the virtual fund and the reference price at the time of requesting inquiry It is desirable to calculate the valuation amount and the rate of return at the time of requesting inquiry to the amount invested.

That is, if the reference value is 1,000 won when the customer joins the virtual fund, and the customer invests 10 million won in the virtual fund, the reference value is 1500 won when the customer requests an inquiry. As long as 10 million won is requested, the valuation amount is 15 million won, and the yield is preferably 50%.

Here, when calculating the valuation amount and the rate of return at the time of requesting the inquiry, it is preferable to calculate all the fees (or some fees) such as the fund management fee spent for the operation of the fund.

According to the implementation method of the present invention, the valuation amount and the rate of return for the case of investing (or subscribing to) the customized virtual fund at the time when the customer subscribes to the identified virtual fund to the identified customized virtual fund are calculated. It is desirable to check the base price at the time of joining the virtual fund for the virtual fund and the base price at the time of requesting the inquiry, and calculate the valuation amount and the yield based on this.

9A and 9B illustrate a process of registering subscription inquiry request information through a non-face-to-face financial transaction channel for providing information on a virtual fund subscribed to by a customer and converting a real fund according to an exemplary embodiment of the present invention. to be.

In more detail, FIGS. 9A and 9B illustrate a case in which the virtual fund operating system shown in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, a virtual fund operating system shown in FIG. 7). In the case where the fund management server 700 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. When the client terminal transmits information about a virtual fund subscribed to by the client and predetermined subscription history inquiry request information for actual fund conversion to the Internet banking server, the Internet banking server based on the subscription history inquiry request information. The present invention relates to an implementation method of calculating an evaluation amount and a rate of return and providing the same to the client terminal. Those skilled in the art may infer various implementation methods for registering the subscription inquiry request information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 9a and 9b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 9A and 9B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A and 9B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering subscription history inquiry request information between the client terminal and the Internet banking server based on the present invention, those of ordinary skill in the art Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 9a and 9b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Sign up for Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of inquiry request information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a and 9b, telebanking Other banking systems, such as systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transaction channels for registration of subscription inquiry request information. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 9A and 9B.

In the following Figures 9a and 9b, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the virtual fund operation server 700 is referred to as a "server" for convenience.

9A and 9B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server communicates between the terminal and the server through the browser. (905a), wherein the communication channel is a server that generates (or extracts) a predetermined web page at the request of a browser program provided to the terminal and transmits the predetermined web page to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the same), and also provided by the terminal to the server for registration of subscription details inquiry request information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registration of subscription details inquiry request information in the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register information about a virtual fund subscribed to by the customer and transmit predetermined subscription details inquiry request information for actual fund conversion.

Subsequently, when the terminal requests a web page including a user interface for providing information about a virtual fund subscribed to by the customer and a real fund conversion to the server through an internet banking-based financial transaction channel (900b), Correspondingly, the server generates (or extracts) a web page including a user interface for inputting (or selecting) subscription history inquiry request information including at least one of the customer information and transmitting it to the server (905b), The web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (910b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) subscription history inquiry request information including at least one or more customer information in the terminal, and / or the subscription. Certain password and / or security card information (e.g., the security card information printed on the security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the history inquiry request information; and And / or a user interface for entering a one time password (OTP) (e.g., a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the registration history inquiry request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) subscription history inquiry request information including at least one of the customer information through the information inquiry interface (915b).

If the subscription information inquiry request information including the customer information is input (or selected) through the user interface at the terminal (920b), the terminal queries the subscription information input (or selected) through the financial transaction channel. The request information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal may include a predetermined password and / or security card for confirming the validity of the subscription details inquiry request information in the server to subscription details inquiry request information including at least one of the customer information. At least one or more information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for subscription information inquiry request information including at least one of the customer information. And / or an electronic envelope based encryption scheme, and / or a key exchange based encryption scheme, etc.), and / or attaching a predetermined electronic signature to the subscription inquiry request information and transmitting it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) of the provided, the official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for subscription information inquiry request information including at least one of the customer information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. If the IC chip (or IC card) is provided on a predetermined IC chip (or IC card) and / or has a predetermined public certificate including a key, and / or includes at least one encryption key, and / or IC card) is preferably provided with a card reader for confirming the authentication certificate provided in.

Those skilled in the art to which the present invention pertains can include technical features of various encryption schemes for encrypting the subscription details inquiry request information and a technical feature of attaching a predetermined electronic signature to the subscription details inquiry request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the subscription details inquiry request information through the financial transaction channel to check the validity of the subscription details inquiry request information (930b).

According to an embodiment of the present invention, the subscription inquiry request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted subscription details request information to at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received subscription details inquiry request information.

Alternatively, when a predetermined electronic signature is attached to the subscription history inquiry request information, the server verifies the validity of the received subscription history inquiry request information by checking the electronic signature attached to the subscription history inquiry request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted subscription details inquiry request information, and a technology for confirming an electronic signature attached to the subscription details inquiry request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the subscription history inquiry request information received through the information receiving unit 715 further includes a predetermined password for checking the validity of the subscription history inquiry request information, the server may It is preferable to authenticate the validity of the received subscription history inquiry request information by comparing and authenticating a password included in the subscription history inquiry request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the subscription details inquiry request information received through the information receiver 715 further includes predetermined security card information for confirming the validity of the subscription details inquiry request information, the server queries the subscription details. It is preferable to authenticate the validity of the received subscription history inquiry request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the subscription history inquiry request information received through the information receiving unit 715 further includes a predetermined OTP code for confirming the validity of the subscription history inquiry request information, the server requests the subscription history inquiry request. The validity of the received subscription details inquiry request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the subscription history inquiry request information may include at least one ledger information matching the subscription history inquiry request information in the ledger D / B on the financial system associated with the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity confirmation unit 720 is the information contained in the subscription inquiry request information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the virtual fund management system D / It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the subscription history inquiry request information is not authenticated (935b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (940b), and the subscription history inquiry request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the subscription history inquiry request information is authenticated (935b), the server corresponds to the received subscription history inquiry request information, the subscription information for one or more virtual funds held by the customer who requested the subscription history inquiry Confirm the reference value for the identified virtual fund (945b), calculate an valuation amount and a rate of return based on the subscription information and the reference value for the identified virtual fund (950b), and calculate the calculated valuation amount And the rate of return is provided to the terminal for processing (955b).

In this case, the information on the customized virtual fund may be provided when the inquiry request for the virtual fund held by the customer, or when the inquiry request for other virtual funds other than the inquiry request for the virtual fund held by the customer. Do.

Here, the customer's disposition is preferably confirmed by providing a simple question information at the time of joining the first virtual fund, receiving the corresponding answer information from the customer, and analyzing and analyzing the same. It is desirable to update the customer's propensity based on the details of the invested virtual fund).

According to an embodiment of the present invention, the confirmation of subscription information for one or more virtual funds held by the customer includes checking the ledger D / B on the financial system based on the customer information on the customer, and confirming the customer ledger. By checking the account ledger for the virtual fund among the account ledgers linked to the customer ledger, it is preferable to check the details of one or more virtual funds held by the customer, and if the account ledger for the virtual fund held by the customer is confirmed, the confirmation It is desirable to further check the subscription information stored in the ledger.

In addition, the reference value for the identified virtual fund is confirmed in connection with a fund management server (not shown) operating a real fund corresponding to the virtual fund, or a database for storing / managing information about the virtual fund. It is preferable to search and confirm (not shown).

According to the implementation method of the present invention, the evaluation amount and the yield calculation based on the subscription information and the reference price, the customer is based on the reference price at the time when the customer subscribes to the virtual fund and the reference price at the time of requesting inquiry It is desirable to calculate the valuation amount and the rate of return at the time of requesting inquiry to the amount invested.

That is, if the reference value is 1,000 won when the customer joins the virtual fund, and the customer invests 10 million won in the virtual fund, the reference value is 1500 won when the customer requests an inquiry. As long as 10 million won is requested, the valuation amount is 15 million won, and the yield is preferably 50%.

Here, when calculating the valuation amount and the rate of return at the time of requesting the inquiry, it is preferable to calculate all the fees (or some fees) such as the fund management fee spent for the operation of the fund.

According to the implementation method of the present invention, the valuation amount and the rate of return for the case of investing (or subscribing to) the customized virtual fund at the time when the customer subscribes to the identified virtual fund to the identified customized virtual fund are calculated. It is desirable to check the base price at the time of joining the virtual fund for the virtual fund and the base price at the time of requesting the inquiry, and calculate the valuation amount and the yield based on this.

FIG. 10 is a diagram illustrating a process of registering virtual fund conversion request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a web server in which a client terminal 755 on the virtual fund operating system shown in FIG. 7 is a client terminal, and the virtual fund operating server 700 is accessible to a client terminal through a predetermined network means. In the case of having a function, a virtual fund that includes at least one customer information and the target virtual fund information through the client terminal to provide information about the virtual fund subscribed to the customer and to convert the actual fund through the client terminal When providing the conversion request information, the virtual fund management system based on the provided virtual fund conversion request information on the implementation method for converting the virtual fund that the customer has already subscribed to the real fund, the present invention belongs Those skilled in the art will appreciate that the client may be referred to and / or modified with reference to FIG. Although it may be possible to infer various implementation methods for registering the virtual fund conversion request information from the remote terminal to the virtual fund operation server 700, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Here, the virtual fund conversion request information is input to the virtual fund conversion request information on a user interface that outputs an inquiry result through an inquiry process for the virtual fund held by the customer according to the process shown in FIG. 8 or 9. A user interface may be provided or a button (or icon) for requesting the user interface output may be provided.

For example, in the method illustrated in FIG. 10, the client terminal receives a user interface for inputting (or selecting) the virtual fund conversion request information through a predetermined web page provided by the virtual fund management server 700. Although illustrated as being described, when the client terminal is provided with a predetermined subscription history request program, the user interface may not be provided from the virtual fund management server 700, and the present invention is not limited thereto.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the virtual fund operation server 700 illustrated in FIG. 7 is referred to as a “server” for convenience. The customer information transmitted to the fund management server 700 and the virtual fund information to be converted are referred to as "virtual fund conversion request information" for convenience.

Referring to FIG. 10, when the client terminal illustrated in FIG. 7 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the client terminal is a wireless terminal) , A CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, etc. When the client requests a web page including a user interface for providing information about a virtual fund and a real fund conversion (1000), the server correspondingly the virtual fund including the customer information and the target virtual fund information. Generate (or extract) a web page including a user interface for inputting (or selecting) conversion request information to the server (1005), and The web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1010).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the virtual fund conversion request information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) the virtual fund conversion request information including the customer information and the target virtual fund information through the user interface included in the web page (1015).

If the terminal inputs (or selects) the virtual fund conversion request information including the customer information and the target virtual fund information through the user interface (1020), the terminal inputs (or selects) the communication channel. In step 1025, the client information and the target virtual fund information are transmitted to the server.

According to an embodiment of the present invention, the terminal may determine a validity of the virtual fund conversion request information in the server to the virtual fund conversion request information including at least one of the customer information and the target virtual fund information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for converting the virtual fund conversion request information including at least one or more pieces of the information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the virtual fund conversion request information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) of the provided, the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure) of the virtual fund conversion request information including at least one of the customer information and the target virtual fund information. Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the virtual fund conversion request information, and technical features of attaching a predetermined electronic signature to the virtual fund conversion request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the target virtual fund information through the communication channel to check the validity of the virtual fund conversion request information (1030).

According to an embodiment of the present invention, the virtual fund conversion request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted virtual fund conversion request information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is preferable to authenticate the validity of the received virtual fund conversion request information.

Alternatively, when a predetermined digital signature is attached to the virtual fund conversion request information, the server verifies the validity of the received virtual fund conversion request information by checking the electronic signature attached to the virtual fund conversion request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted virtual fund conversion request information, and technology for confirming an electronic signature attached to the virtual fund conversion request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined password for checking the validity of the virtual fund conversion request information, the server It is preferable to authenticate the validity of the received virtual fund conversion request information by comparing and authenticating the password included in the virtual fund conversion request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the virtual fund conversion request information, the server converts the virtual fund. It is preferable to authenticate the validity of the received virtual fund conversion request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the virtual fund conversion request information, the server requests the virtual fund conversion request. The validity of the received virtual fund conversion request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity of the virtual fund conversion request information may include at least one ledger information matching the virtual fund conversion request information in the ledger D / B on the financial system linked to the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity verification unit 720 is the information contained in the virtual fund conversion request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the virtual fund operating system D / It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the verification of the validity of the virtual fund conversion request information, preferably included in the information contained in the virtual fund conversion request information, including whether or not the conversion request for the virtual fund held by the customer.

That is, the verification of the validity of the virtual fund conversion request information is the information contained in the virtual fund conversion request information, the fund information for the conversion target virtual funds held by the customer is led by a financial system linked to the virtual fund operating system It is preferable to check whether it matches with the account ledger stored in the D / B, and if it is matched, whether the account ledger is connected to the customer ledger for the customer.

If the validity of the virtual fund conversion request information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and the virtual fund conversion request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the virtual fund conversion request information is authenticated (1035), in response to the received virtual fund conversion request information, the time when the request for the conversion to the real fund for the virtual fund to be converted into real funds among the virtual funds held by the customer Check the reference value information (1045), and withdraw the amount of money requested by the customer from the financial account included in the received virtual fund conversion request information based on the identified reference value information; The pre-subscribed virtual fund is converted into the real fund (1050).

According to an embodiment of the present invention, the reference value information for the virtual fund to be converted to the actual fund among the virtual funds held by the customer, the fund management server operating a real fund corresponding to the virtual fund held by the customer (not shown) It is preferable to check the reference value information for the virtual fund to be converted to the real fund among the virtual funds held by the customer by confirming the reference value information for the real fund corresponding to the virtual fund held by the customer.

According to another exemplary embodiment of the present invention, the reference value information of the virtual fund to be converted into a real fund among the virtual funds owned by the customer may include a fund management server operating a real fund corresponding to the virtual fund held by the customer (shown in FIG. It is preferable to check the reference value information for the virtual fund through a database (not shown) that is linked with (not shown).

According to the method of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund may include: It is preferable to process a new subscription based on the investment (or subscription) amount desired by the customer.

According to another exemplary embodiment of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund is established based on a reference value at the time when the client requests the conversion of the virtual fund that has been previously subscribed to the real fund. It is preferable to convert the account ledger for the virtual fund into an account ledger for the real fund and process the subscription through the investment (or subscription) amount desired by the customer.

Here, the point (or cyber money) that the customer invested in the virtual fund is preferably refunded to the financial account in which the virtual fund investment dedicated point (or cyber money) used for the virtual fund investment is deposited.

If a revenue is generated for the virtual fund to which the customer has already subscribed during the conversion process, a portion (or all) of the revenue generated through the virtual fund to which the customer has already subscribed is transferred to the virtual fund to which the client converts. It is desirable to provide incentives for the corresponding real fund subscription (or investment).

In this case, the incentive may be provided to the customer as a cash deposit, or a point to the account for the actual fund that is converted.

FIG. 11 is a diagram illustrating a process of registering virtual fund conversion request information in a non-face-to-face manner in order to provide information about a virtual fund subscribed to by a customer and convert a real fund according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 illustrates a web server in which a client terminal 755 on the virtual fund operating system shown in FIG. 7 is a client terminal, and the virtual fund operating server 700 is accessible to a client terminal through a predetermined network means. In the case of having a function, a virtual fund that includes at least one customer information and the target virtual fund information through the client terminal to provide information about the virtual fund subscribed to the customer and to convert the actual fund through the client terminal When providing the conversion request information, the virtual fund management system based on the provided virtual fund conversion request information on the implementation method for converting the virtual fund that the customer has already subscribed to the real fund, the present invention belongs If one of ordinary skill in the art with reference to this Figure 11 and / or modified by the client Although various implementation methods for registering the virtual fund conversion request information with the virtual fund operation server 700 may be inferred from the terminal, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Here, the virtual fund conversion request information is input to the virtual fund conversion request information on a user interface that outputs an inquiry result through an inquiry process for the virtual fund held by the customer according to the process shown in FIG. 8 or 9. A user interface may be provided or a button (or icon) for requesting the user interface output may be provided.

For example, in the method illustrated in FIG. 11, the client terminal receives a user interface for inputting (or selecting) the virtual fund conversion request information through a predetermined web page provided by the virtual fund management server 700. Although illustrated as being described, when the client terminal is provided with a predetermined subscription history request program, the user interface may not be provided from the virtual fund management server 700, and the present invention is not limited thereto.

Hereinafter, in FIG. 11, the client terminal illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the virtual fund operation server 700 illustrated in FIG. 7 is referred to as a “server” for convenience. The customer information transmitted to the fund management server 700 and the virtual fund information to be converted are referred to as "virtual fund conversion request information" for convenience.

Referring to FIG. 11, when the client terminal illustrated in FIG. 7 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the client terminal is a wireless terminal) , A CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, etc. When the client requests a web page including a user interface for providing information about a virtual fund and a real fund conversion (1100), the server correspondingly corresponds to the virtual fund including the customer information and the target virtual fund information. Generate (or extract) a web page including a user interface for inputting (or selecting) conversion request information to the server (1105); And outputs through a network device transmits a web page including a user interface, the generated (or extracted) to the mobile station (1110).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the virtual fund conversion request information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) the virtual fund conversion request information including the customer information and the target virtual fund information through the user interface included in the web page (1115).

If the terminal receives (or selects) virtual fund conversion request information including the customer information and the target virtual fund information through the user interface (1120), the terminal inputs (or selects) the communication channel. In step 1125, the transferred customer information and the target virtual fund information are converted to the server.

According to an embodiment of the present invention, the terminal may determine a validity of the virtual fund conversion request information in the server to the virtual fund conversion request information including at least one of the customer information and the target virtual fund information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method) for converting the virtual fund conversion request information including at least one or more pieces of the information. And / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the virtual fund conversion request information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. If the IC chip (or IC card) of the provided, the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure) of the virtual fund conversion request information including at least one of the customer information and the target virtual fund information. Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) , It is desirable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card). It is right.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the virtual fund conversion request information, and technical features of attaching a predetermined electronic signature to the virtual fund conversion request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the conversion target virtual fund information through the communication channel to check the validity of the virtual fund conversion request information (1130).

According to an embodiment of the present invention, the virtual fund conversion request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted virtual fund conversion request information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is preferable to authenticate the validity of the received virtual fund conversion request information.

Alternatively, when a predetermined digital signature is attached to the virtual fund conversion request information, the server verifies the validity of the received virtual fund conversion request information by checking the electronic signature attached to the virtual fund conversion request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted virtual fund conversion request information, and technology for confirming an electronic signature attached to the virtual fund conversion request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined password for checking the validity of the virtual fund conversion request information, the server is It is preferable to authenticate the validity of the received virtual fund conversion request information by comparing and authenticating the password included in the virtual fund conversion request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the virtual fund conversion request information, the server converts the virtual fund. It is preferable to authenticate the validity of the received virtual fund conversion request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the virtual fund conversion request information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the virtual fund conversion request information, the server requests the virtual fund conversion request. The validity of the received virtual fund conversion request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity of the virtual fund conversion request information may include at least one ledger information matching the virtual fund conversion request information in the ledger D / B on the financial system linked to the virtual fund operation system. It is preferable to include checking whether it is registered.

For example, the validity verification unit 720 is the information contained in the virtual fund conversion request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the virtual fund operating system D / It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the verification of the validity of the virtual fund conversion request information, preferably included in the information contained in the virtual fund conversion request information, including whether or not the conversion request for the virtual fund held by the customer.

That is, the verification of the validity of the virtual fund conversion request information is the information contained in the virtual fund conversion request information, the fund information for the conversion target virtual funds held by the customer is led by a financial system linked to the virtual fund operating system It is preferable to check whether it matches with the account ledger stored in the D / B, and if it is matched, whether the account ledger is connected to the customer ledger for the customer.

If the validity of the virtual fund conversion request information is not authenticated (1135), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1140), and the virtual fund conversion request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the virtual fund conversion request information is authenticated (1135), in response to the received virtual fund conversion request information, a point in time at which a request is made to convert to a real fund for a virtual fund to be converted into a real fund among virtual funds held by a customer In step 1145, the reference value information is checked.

According to an embodiment of the present invention, the reference value information for the virtual fund to be converted to the actual fund among the virtual funds held by the customer, the fund management server operating a real fund corresponding to the virtual fund held by the customer (not shown) It is preferable to check the reference value information for the virtual fund to be converted to the real fund among the virtual funds held by the customer by confirming the reference value information for the real fund corresponding to the virtual fund held by the customer.

According to another exemplary embodiment of the present invention, the reference value information of the virtual fund to be converted into a real fund among the virtual funds owned by the customer may include a fund management server operating a real fund corresponding to the virtual fund held by the customer (shown in FIG. It is preferable to check the reference value information for the virtual fund through a database (not shown) that is linked to the data.

If the check result indicates that the reference value at the time of requesting the conversion to the real fund for the virtual fund to be converted to the real fund among the virtual funds held by the customer is different from the reference value at the time of joining the virtual fund (1150) The server requests the customer to approve the mutual difference of the reference value (1155), and when the customer approves (1160), converting the received virtual fund based on the confirmed reference value information. The withdrawal process is requested by the customer from the financial account included in the request information, and based on this, the virtual fund that the customer has already subscribed to is converted into the real fund (1165).

According to an embodiment of the present invention, the method for requesting the approval from the customer may provide a request for approval to the customer by providing a difference between the reference value by SMS / MMS.

According to another embodiment of the present invention, the method for requesting approval to the customer, it is preferable to request the approval to the customer by providing a difference in the reference value through the communication means of the customer's email, bulletin board, blog, etc. Do.

According to the method of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund may include: It is preferable to process a new subscription based on the investment (or subscription) amount desired by the customer.

According to another exemplary embodiment of the present invention, the process of converting the virtual fund, which the customer has already subscribed to, into a real fund is established based on a reference value at the time when the client requests the conversion of the virtual fund that has been previously subscribed to the real fund. It is preferable to convert the account ledger for the virtual fund into an account ledger for the real fund and process the subscription through the investment (or subscription) amount desired by the customer.

Here, the point (or cyber money) that the customer invested in the virtual fund is preferably refunded to the financial account in which the virtual fund investment dedicated point (or cyber money) used for the virtual fund investment is deposited.

If a revenue is generated for the virtual fund to which the customer has already subscribed during the conversion process, a portion (or all) of the revenue generated through the virtual fund to which the customer has already subscribed is transferred to the virtual fund to which the client converts. It is desirable to provide incentives for the corresponding real fund subscription (or investment).

In this case, the incentive may be provided to the customer for cash transfer to the account for the actual fund to be converted or provided as a point.

According to the present invention, when providing a fund investment service, for the customer who lacks understanding of the fund or who is interested in the fund but is reluctant due to fear of investment, the client provides a separate point to the virtual fund. It provides an opportunity for investment, and based on this, it is possible to increase customer understanding of the fund, increase interest in the fund, and resolve fears.

Claims (10)

The virtual fund management server connected to the client terminal through the network means receives the fund subscription request information of the same virtual fund as the fund currently sold from the client terminal, and finances corresponding to the virtual fund based on the fund subscription request information. Opening and processing a financial account in the name of the customer including product operation information; The virtual fund management server checks the subscription information for the virtual fund based on the virtual fund subscription history inquiry request information received from the client terminal, and evaluates the value based on the subscription information and the reference value for the virtual fund. Calculating a yield and outputting it to the customer terminal; And The virtual fund management server receives the virtual fund conversion request information for requesting the actual fund conversion for the virtual fund from the client terminal, based on the reference value information at the time when the conversion request to the real fund for the virtual fund And withdrawing the amount requested by the customer from the financial account included in the virtual fund conversion request information, and converting the virtual fund into the real fund based on the requested amount. Way. The method of claim 1, After outputting the evaluation amount and the rate of return to the customer terminal, When the virtual fund management server receives inquiry request information about another virtual fund held by the customer from the client terminal, the virtual fund operation server checks the customized virtual fund based on the investment history of the virtual fund of the customer, and the confirmed customized virtual fund. The method of operating a virtual fund investment service further comprising providing information on. The method of claim 1, The financial account is a virtual fund investment service operating method, characterized in that the financial account in which the point (or cyber money) that can be invested in the virtual fund is deposited. The method of claim 1, Opening and processing the financial account, The virtual fund operation server generates a customer ledger including the customer information and an account ledger including the financial product operation information in association with a financial system, and then sends the virtual fund to the virtual ledger in the account ledger associated with the customer ledger. The virtual fund investment service operating method, characterized in that the step of processing to store the subscription information. The method of claim 1, The outputting step, When the virtual fund management server receives the inquiry request information about the virtual fund held by the customer from the customer terminal, the fund product information for the customized virtual fund based on the propensity (or virtual fund investment history) of the customer, and the The method of operating a virtual fund investment service, characterized in that for outputting further including the valuation amount and the rate of return calculated in response to a subscription to a custom virtual fund. The method of claim 1, The conversion process, The virtual fund management server converts the account ledger for the previously established virtual fund into an account ledger for the real fund, and the customer is based on the reference value information at the time of requesting the conversion to the real fund for the virtual fund. The method of operating a virtual fund investment service, characterized in that the subscription processing to the desired investment (or subscription) amount. The method of claim 1, The conversion process, If the reference value at the time when the conversion to the real fund for the virtual fund is different from the reference price at the time of joining the virtual fund, the virtual fund management server approves the difference in the reference value. Virtual fund investment service operating method comprising the step of obtaining from the terminal. The method of claim 1, The conversion process, And providing, by the virtual fund management server, a portion (or the total amount) of the revenue generated through the virtual fund subscribed to by the customer as an incentive for the actual fund subscription (or investment) corresponding to the virtual fund. Virtual fund investment service operating method characterized in that. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Receive fund subscription request information of the same virtual fund from the client terminal as the actual selling fund, and open a financial account under the customer's name including financial product operation information corresponding to the virtual fund based on the fund subscription request information; Means for doing so; Check the subscription information for the virtual fund based on the virtual fund subscription history inquiry request information received from the client terminal, calculate the valuation amount and the rate of return based on the subscription information and the reference value for the virtual fund to the client terminal Means for outputting to; And Receiving virtual fund conversion request information for requesting the actual fund conversion for the virtual fund from the client terminal, the virtual fund conversion request information based on the reference value information at the time when the request to convert to the real fund for the virtual fund And means for withdrawing the amount requested by the customer from the financial account included in the conversion, and converting the virtual fund into the real fund based on the requested amount.

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