KR20090001878A - System and method for managing collateral stocks and program recording medium - Google Patents

Abstract

A security stocks operating method and a system and a program recording medium therefore are provided to match the needs of the preexistence domestic investment person desiring the short-term realization with the foreign-based fund for participating in the corresponding case as a follower. A security stocks operating system comprises: an investment information registration unit(100) for storing the investment information in a storage media(125); an argument information registration unit for storing the change over repayment preferred stock take over registration information in the storage media; a security information registration unit for storing the security stock information in the storage media; an information receiving unit for receiving the conversion of common stock information of the security stocks; a verifying information unit for confirming the security stocks conditional information corresponding to the received conversion of common stock information; a security stocks operating and maintenance processor for maintaining and treating the mortgage force for the loan.

Description

System and Method for Managing Collateral Stocks and Program Recording Medium}

1 is a diagram illustrating an investment information registration system for registering investment information of at least one investment customer according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering investment information of at least one investment customer according to one embodiment of the present invention.

FIG. 3 is a diagram illustrating a conversion redemption preferred stock acquisition information registration system for registering conversion redeemable preferred stock information acquired from a predetermined company according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering conversion redemption preference shares acquisition registration information corresponding to conversion redemption preference information acquired from a predetermined company according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a non-face-to-face collateral information registration system for stock collateral loans according to an embodiment of the present invention.

6 is a diagram illustrating a process of registering collateral stock information for a mortgage loan according to an embodiment of the present invention.

7 is a diagram illustrating a security management system according to an embodiment of the present invention.

8 is a diagram illustrating a collateral stock management process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: investment information registration server 300: stock acquisition information registration server

500: collateral information registration server

700: collateral stock management server 705: interface unit

710: information receiving unit 715: information checking unit

720: collateral stock management unit 725: information storage unit

730: information transmission unit 735: storage medium

The present invention comprises the steps of storing investment information, including investment investment information and investment history information provided from a predetermined terminal, in a predetermined investment information registration means, in a predetermined storage medium, and in a predetermined terminal information registration means. Storing the conversion redemption preferred stock acquisition registration information including the predetermined conversion repayment preferred stock delivery customer information, the conversion redeem preferred stock information, and the conversion redemption preferred stock received payment information on a predetermined storage medium, and the predetermined collateral information registration means. Storing the security stock information including the security target stock information and the security stock condition information provided from the terminal in a predetermined storage medium, and converting the common stock of the security stock transmitted from the predetermined information operation terminal by the predetermined information receiving means. Receiving information, and in conjunction with the storage medium in the predetermined information checking means, the receiving Confirming collateral stock condition information corresponding to the conversion of the common stock, and the amount of the collateralized weakness due to the conversion of the common stock of the collateral stock in accordance with the identified collateral stock condition information in a predetermined collateral stock management means (e.g., transaction profit, etc.) Confirming (or calculating) and adding a predetermined stock held by the security providing customer as a collateral by the amount of the secured collateral weakened amount, and preserving the collateral for the predetermined loan. It is about how to manage stocks.

A redeemable preferred stock is a stock that has the characteristics of a preferred stock for a certain period of time and is issued by the issuer when it expires.The preferred stock has no voting rights, unlike ordinary shares, but has priority in dividends or distribution of residual assets when the company disbands. Say stocks.

Generally, preferred stocks are divided into convertible preferred stocks and redeemable preferred stocks. Convertible preferred stocks have the nature of shares because they can be converted into ordinary shares, while redeemable preferred stocks are issued on the premise of repayment.

A repayment stock is a kind of preferred stock, but it is economically similar to a bond in that it is scheduled to be issued at the time of issuance.However, repayment is possible only when it is profitable. have.

In the meantime, it is time to look for ways to match the needs of foreign investors who are looking to convert common shares of convertible preferred stocks to foreign funds and those who want to realize short-term realization.

An object of the present invention for solving the above problems is the investment information registration means for storing investment information, including investment information and investment history information provided from a predetermined terminal in a predetermined storage medium, and provided from a predetermined terminal. Acquisition information registration means for storing conversion repurchase preference shares including predetermined customer repayment preference information, conversion repayment preference preference information, and conversion repayment preference preference information including information on conversion repayment preference preference information, and a security target provided from a predetermined terminal. A security information registration means for storing collateral stock information including stock information and collateral stock condition information in a predetermined storage medium, and information receiving means for receiving common stock conversion information of the security stock transmitted from a predetermined information operation terminal; Check the collateral stock condition information corresponding to the received common stock conversion information in association with the storage medium. Confirming (or calculating) the security weakening amount (eg, transaction profit, etc.) according to the conversion of the common stock of the security stock according to the information checking means and the confirmed security stock condition information, the weakening of the security (or calculation) confirmed It is to provide a security stock management system including a security stock management means for preserving the collateral power for a predetermined loan by adding a predetermined stock held by the security providing customer as a collateral by the amount.

The method of operating a security stock according to the present invention comprises the steps of: storing investment information including investment investment information and investment history information provided from a predetermined terminal in a predetermined investment information registration means on a predetermined storage medium; Storing, in the predetermined storage medium, the conversion redemption preferred shares acquisition registration information including the predetermined conversion redemption preferred stock delivery customer information, the conversion redeemable preferred stock information, and the conversion redemption preferred stock acquired payment information provided from the predetermined terminal in the information registration means; Storing the security stock information including the security target stock information and the security stock condition information provided from the predetermined terminal in a predetermined storage medium, and transmitting the predetermined stock information from the predetermined information operation terminal in the predetermined information receiving means. Receiving common stock conversion information of the security stock, and storing the information in a predetermined information checking means. Confirming collateral stock condition information corresponding to the received common stock conversion information in association with a sieve, and deducting the collateral power according to the conversion of the common stock of the collateral stock according to the identified collateral stock condition information in a predetermined collateral stock operating means. (E.g., a transaction margin, etc.) to confirm (or calculate), add a predetermined share held by the security providing customer as collateral by the amount of the confirmed (or calculated) collateral weakening amount, and secure collateral power for a predetermined loan. Characterized in that it comprises a step of preservation processing.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method of operating the security stock.

On the other hand, the security stock management system according to the present invention, the investment information registration means for storing investment information, including investment information and investment history information provided from a predetermined terminal in a predetermined storage medium, and provided from a predetermined terminal Acquisition information registration means for storing conversion repurchase preference shares including predetermined customer repayment preference information, conversion repayment preference preference information, and conversion repayment preference preference information including information on conversion repayment preference preference information, and a security target provided from a predetermined terminal. A security information registration means for storing collateral stock information including stock information and collateral stock condition information in a predetermined storage medium, and information receiving means for receiving common stock conversion information of the security stock transmitted from a predetermined information operation terminal; Check the collateral stock condition information corresponding to the received common stock conversion information in association with the storage medium. According to the information confirming means and the information on the condition of the security collateral stock confirmed (or calculated) the amount of collateral security weakening (for example, transaction profit, etc.) in accordance with the conversion of the common stock of the security stock, the amount of security collateral weakening confirmed (or calculated) As much as the collateral provided by the collateral provided by the customer as a collateral, characterized in that it comprises a security stock management means for preserving the collateral power for a predetermined loan.

According to the invention, the at least one means is characterized in that it is provided (or linked) to a predetermined financial institution.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. 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 omitted as described above The relationship between the components 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 an investment information registration system for registering investment information of at least one investment customer according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an investment in which a predetermined corporate customer includes at least one investment customer information and investment history information for registration of the investment information of the at least one investment customer with the investment information registration system through a predetermined information registration interface. When providing the information, the investment information registration system in the investment information registration system and the investment customer information, the investment history information for the system configuration for storing in a predetermined storage medium 125, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for configuring an investment information registration system for registering investment information of at least one or more investment customers by referring to or modifying the present invention. It includes all the implementation methods inferred, and only the implementation method shown in FIG. Shall not.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing the investment information provided from the customer on the storage medium 125 through a predetermined information registration interface on the investment information registration system shown in FIG. For convenience, referred to as "investment information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, an investment information registration system for registering investment information of the at least one investment customer includes an information registration terminal including at least one wired terminal or a wireless terminal used by a corporate customer. It characterized in that it comprises a, wherein the information registration terminal is connected to the communication information registration server 100 provided on the investment information registration system via a predetermined network means.

According to an exemplary embodiment of the present invention, the corporate customer accesses the investment information registration server 100 through at least one information registration terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And input (or select) investment information for registration of investment information of the at least one investment customer through at least one user interface provided by the investment information registration server 100, and then set a predetermined network in the information registration terminal. It is preferable to transmit to the investment information registration server 100 provided on the investment information registration system through the means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the information registration terminal and the investment information registration server 100 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or DataTAC / Mobitex depending on the type of wireless communication network to which the information registration terminal is connected. It is preferable that any one of the base wireless data communication networks, or the wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the information registration terminal outputs at least one or more user interfaces provided by the investment information registration server 100, and inputs or selects at least one or more information through the user interface to the investment information registration server 100. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the investment information registration server 100, etc.) is provided.

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

In the investment information registration system as described above, an information registration terminal including at least one wired terminal or a wireless terminal used by the corporate customer, and at least one or more connecting the information registration terminal and the investment information registration server 100. The wired communication network or the wireless communication network performs a function of an information registration interface for the corporate customer to register investment information for registration of investment information of the at least one investment customer.

The storage medium 125 provided on the investment information registration system according to the present invention is a predetermined storage medium 125 by cooperatively processing the investment customer information and investment history information included in the investment information provided from the information registration terminal. And investment information including at least one of the investment customer information and investment history information stored in the storage medium 125 is used for registration of investment information of the at least one investment customer.

The investment customer information is unique information (eg, business registration number (resident registration number) of at least one investment customer (eg, General Partner, Limited Partner, etc.) that invests a certain equity in the corporate customer. , An account number, etc.), and a telephone number, an e-mail, an address, a fax, and the like.

The investment history information may include stock information in which the at least one investment customer invests in the corporate customer.

According to one embodiment of the invention, the storage medium 125 is preferably provided on the investment information registration system, whereby the present invention is not limited.

The investment information registration server 100 provided on the investment information registration system according to the present invention is a generic term for the components of the investment information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server. (Or a device), 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 the embodiment of the present invention, the investment information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 uses a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a predetermined communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal. Do.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the information registration terminal, the interface unit 105 connects a communication channel with the information registration terminal based on the TCP / IP protocol. In addition, a communication interface for transmitting and receiving a web page (for example, HTML (Hyper-Text Markup Language) compatible web page) or information is provided using the HTTP protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an internet banking program) provided by the investment information registration server 100, the interface unit 105 registers the information based on the TCP / IP protocol. It connects a communication channel with a 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 embodiment of the present invention, when the information registration terminal is an information registration 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. It is preferable to provide a communication interface for connecting at least one communication channel with the information registration terminal and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal.

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

Alternatively, when the information registration terminal is provided with a communication program (eg, IC chip-based banking program) provided by the investment information registration server 100, the interface unit 105 is based on the information on the CDMA protocol. It connects a communication channel with a registration 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 embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

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

Referring to FIG. 1, the investment information registration server 100 connects a communication channel with the investment information registration server 100 through the interface unit 105, and then the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined investment information from the information registration terminal to the information registration terminal. An information receiving unit 115 which receives predetermined investment information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the investment included in the received investment information. Characterized in that it comprises an information storage unit 120 for storing the customer information, investment history information in a predetermined storage medium (125).

The interface providing unit 110 connects a communication channel with the investment information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to a functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) the investment information and transmit it to the investment information registration server 100 through the network means, or extract from a predetermined database (not shown), and the interface unit And the user interface generated (or extracted) in connection with 105 to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) investment information including at least one of the investment customer information and investment history information based on the user interface, and inputs the input (or selected) investment information into the network means. Through the investment information registration server 100 is transmitted through.

According to an embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is connected to the information registration terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the information registration terminal through the interface unit 105. .

According to another embodiment of the present invention, when the information registration terminal is an information registration terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program provided in the information registration terminal 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 information registration terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the investment information to the information registration terminal and transmitting the investment information to the investment information registration server 100 through the network means. When the registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 115 inputs (or selects) investment information including at least one of investment customer information and investment history information through the user interface, the information registration terminal 115 transmits the information through the network means. And the investment information in connection with 105, and provides the received investment information to the information storage 120.

The information storage unit 120 stores and stores the investment customer information and investment history information included in the investment information in the storage medium 125, and the storage medium 125 registers the investment information. When provided in the server 100 or provided on the network associated with the investment information registration server 100, the information storage unit 120 is the investment customer information, investment history information included in the received investment information It is preferable to store the data in the storage medium 125 in a cooperative process.

2 is a diagram illustrating a process of registering investment information of at least one or more investment customers according to one embodiment of the present invention.

More specifically, FIG. 2 shows the information when the investment information registration server 100 on the investment information registration system shown in FIG. 1 has a web server function to which an information registration terminal can be connected through a predetermined network means. After the registration terminal connects to the investment information registration server 100 and connects a communication channel for registration of investment information according to the present invention, the investment customer information and investment to the investment information registration server 100 through the communication channel. When the investment information including the breakdown information is transmitted, the investment customer information and investment history information included in the received investment information are co-processed by the investment information registration server 100 and stored in a predetermined storage medium 125. As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 2, and the information is registered by the information registration terminal. With the information registering server 100 would be able to infer a variety of exemplary ways to attach the investment information, and the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the information registration terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the investment information registration server 100 shown in FIG. 1 is referred to as a “server” for convenience. The investment customer information and investment history information transmitted to the investment information registration server 100 are referred to as "investment information" for convenience.

2, when the information registration terminal shown in FIG. 1 is a predetermined network means (e.g., when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, Connecting to a server through a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet, etc., connecting a predetermined communication channel for registering the investment information, and registering the investment information for registration of investment information of the at least one investment customer. When requesting information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the investment information (205), and generates (or extracts) through the communication channel. The transmitted web page is output to the terminal (210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) investment information including at least one of the investment customer information and investment history information in the terminal.

In addition, the web page transmission or output process is preferably performed at least once according to the investment information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) investment information including at least one investment customer information and investment history information through the information registration interface (215).

If the investment information including the investment customer information and investment history information is input (or selected) through the information registration interface (220), the terminal inputs (or selects) the investment through the communication channel. Customer information, investment history information is transmitted to the server (225).

According to the exemplary embodiment of the present invention, transmitting the investment customer information and investment history information input (or selected) through the communication channel to the server may include investment information input (or selected) through the information registration interface. The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the investment customer information and investment history information through the communication channel to perform an information registration procedure corresponding to the investment information, thereby linking the investment customer information and investment history information to a predetermined value. Stored in the storage medium 125 (230).

The server completes the procedure of registering the investment information transmitted from the terminal by generating a web page including the predetermined information registration history information and transmitting it to the terminal (235).

3 is a diagram illustrating a system for converting preferred redeemable information for converting preferred redemption information acquired from a predetermined company according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a corporate customer registered with the investment information of at least one investor through the investment information registration system shown in Figure 1 through the predetermined information registration interface to the conversion redemption preferred shares acquisition information registration system to the predetermined company For the conversion repayment preference shares acquired information provided by the conversion repayment preference shares delivery information comprising at least one or more of the customer information, conversion repayment preference shares information, conversion repayment preference shares acquisition price information, A system for storing and storing the conversion repayment preference stock delivery customer information, the conversion repayment preference stock information, and the conversion repayment preference stock acquisition price information included in the provided conversion repayment preference stock acquisition registration information in a predetermined storage medium 325. As to the present invention, the present invention Those skilled in the art will be able to infer various implementation methods for the construction of the conversion repayment preference shares acquisition information registration system for the registration of the conversion repayment preference shares acquired from a predetermined company by referring to or modifying this drawing. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing in the storage medium 325 the conversion redemption preference shares acquisition registration information provided from the customer through a predetermined information registration interface on the conversion redemption preference shares acquisition information registration system shown in FIG. The component corresponding to the functional configuration is referred to as "stock acquisition information registration server 300" for convenience.

Referring to FIG. 3 according to the embodiment of the present invention, the conversion redemption preference shares acquisition information registration system for registration of conversion redemption preference shares acquired from the predetermined company includes at least one wired terminal or a wireless terminal used by the corporate customer. Characterized in that it comprises an information registration terminal comprising, the information registration terminal is connected to the stock acquisition information registration server 300 provided on the conversion redemption preferred shares acquisition information registration system through a predetermined network means is connected to the communication channel do.

According to an embodiment of the present invention, the corporate customer is connected to the stock acquisition information registration server 300 through at least one information registration terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) conversion redemption preference shares acquisition registration information for conversion redemption preference information acquired from the predetermined company through at least one user interface provided by the stock acquisition information registration server 300, It is preferable to transmit from the information registration terminal to the stock acquisition information registration server 300 provided on the conversion redemption preferred shares acquisition information registration 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 transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network ( Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the information registration terminal and the stock acquisition information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or DataTAC / according to the type of wireless communication network to which the information registration terminal is connected. Mobitex-based wireless data communication network or any one of the future, including a predetermined wireless interval is preferably made to include a wireless communication network.

In addition, the information registration terminal outputs at least one or more user interfaces provided by the stock acquisition information registration server 300, and input or select at least one or more information through the user interface, the stock acquisition information registration server 300 It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the stock acquisition information registration server 300, etc.) for transmission is provided.

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

In the conversion redemption preferred stock acquisition information registration system as described above, the information registration terminal including at least one wired terminal or a wireless terminal used by the customer, and the information registration terminal and the stock acquisition information registration server 300 to connect At least one wired or wireless communication network performs a function of an information registration interface for registering the conversion redemption preferred shares acquisition registration information for the customer to register the conversion redemption preference information acquired by the predetermined company.

The storage medium 325 provided on the conversion redemption preference shares acquisition information registration system according to the present invention is the customer information, conversion redemption preference shares of the conversion redemption preference shares included in the conversion redemption preference shares acquired from the information registration terminal. Information, and converting preferred redemption preferred information information to be stored in a predetermined storage medium (325), the storage repayment preferred stock delivery information stored in the storage medium 325, conversion preferred preference information, conversion repayment The conversion redemption preferred shares acquisition registration information including at least one of the preferred stock acquisition price information is used for registration of the information on conversion redemption preferred shares acquired from the predetermined company.

The customer information of the conversion redemption preferred stock is the unique information (company name (or personal name), business registration number (or social security number), account number) of the customer who delivers a predetermined conversion redemption preferred stock to the corporate customer. It is preferable to include at least one of a telephone number, a fax number, an e-mail, and the like.

Preferably, the conversion redemption preferred stock information includes at least one or more of the redemption value, redemption period, repayment method, issue limit, etc. of the conversion redeemable preferred stock to be acquired by the corporate customer from the customer.

The acquisition repayment preference information is preferably made by the corporate customer includes at least one or more of the acquisition payment, payment date and time, payment method to be paid to the customer by acquiring the conversion repayment preference shares from the customer.

The stock acquisition information registration server 300 provided on the conversion redemption preference shares acquisition information registration system according to the present invention is a component of the conversion redemption preference shares acquisition information registration system side connected to the information registration terminal through a predetermined network means. Collectively, at least one server (or device) may be implemented, or may be implemented as at least one or more programs recorded on a recording medium included in a predetermined server (or device), and the present invention is not limited thereto. No.

According to the embodiment of the present invention, the stock acquisition information registration server 300 is characterized by comprising an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means. .

According to an exemplary embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 uses a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a predetermined communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal. Do.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the information registration terminal, the interface unit 305 connects a communication channel with the information registration terminal based on the TCP / IP protocol. In addition, a communication interface for transmitting and receiving a web page (for example, HTML (Hyper-Text Markup Language) compatible web page) or information is provided using the HTTP protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an internet banking program) provided by the stock acquisition information registration server 300, the interface unit 305 is based on the TCP / IP protocol. It connects a communication channel with a registration 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 information registration terminal is an information registration terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on 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 information registration terminal and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the information registration terminal, the interface unit 305 communicates with the information registration terminal based on the CDMA protocol. And a web interface (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the stock acquisition information registration server 300, the interface unit 305 is based on the CDMA protocol. It connects a communication channel with an information registration 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 embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the stock acquisition information registration server 300 connects a communication channel with the stock acquisition information registration server 300 through the interface unit 305, and then the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined conversion redemption preference shares from the information registration terminal in cooperation with 305 to provide the information registration terminal to the information registration terminal. 310 and an information receiving unit 315 for receiving the predetermined conversion redemption preference shares acquired registration information transmitted from the information registration terminal through the user interface in connection with the interface unit 305, The conversion customer preference information, conversion repayment preference information, and conversion repayment preference stock included in the received conversion repayment preference stock acquisition information And it processes the information in conjunction with a data storage unit 320 for storing a predetermined storage medium (325) characterized by comprising.

The interface providing unit 310 corresponds to a functional configuration provided in the information registration terminal after a predetermined information registration terminal connects a communication channel with the stock acquisition information registration server 300 through the interface unit 305. Generate (or select) the conversion redemption preferred stock acquisition registration information to generate a predetermined user interface which can be transmitted to the stock acquisition information registration server 300 through the network means, or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) conversion repurchase preference shares including at least one or more of the conversion repayment preference shares delivery customer information, the conversion repayment preference shares information, and the conversion repayment preference shares based on the user interface. And transfer the input (or selection) conversion redemption preferred stock acquisition registration information to the stock acquisition information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is connected to the information registration terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the information registration terminal through the interface unit 305. .

According to another exemplary embodiment of the present invention, when the information registration terminal is an information registration terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program provided in the information registration terminal. 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 information registration terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the conversion redemption preferred stock acquisition registration information to the information registration terminal and transmitting it to the stock acquisition information registration server 300 through the network means. When the predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs the conversion redemption preferred shares acquisition registration information including at least one or more conversion repayment preference shares delivery customer information, conversion repayment preference shares information, conversion repayment preference shares through the user interface at the information registration terminal ( Or select) and transmit the data through the network means to receive the conversion redemption preference shares acquisition registration information in association with the interface unit 305, wherein the received storage redemption preference shares acquisition registration information is stored in the information storage unit. Provided at 320.

The information storage unit 320 processes and stores the conversion repayment preference stock delivery customer information, the conversion repayment preference stock information, and the conversion repayment preference stock acquisition price information included in the conversion repayment preference stock acquisition registration information, and store them in the storage medium 325. When the storage medium 325 is provided in the stock acquisition information registration server 300 or on the network associated with the stock acquisition information registration server 300, the information storage unit 320 It is preferable to store and store in the storage medium 325 the link repayment preference stock delivery customer information, the conversion repayment preference stock information, and the conversion repayment preference stock acquisition price information included in the received conversion repayment preference stock acquisition registration information.

4 is a diagram illustrating a process of registering conversion redemption preference shares acquisition registration information corresponding to conversion redemption preference information acquired from a predetermined company according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case in which the stock acquisition information registration server 300 on the conversion redemption preferred stock acquisition information registration system shown in FIG. The information registration terminal connects to the stock acquisition information registration server 300 and connects the communication channel for registering the conversion redemption preferred stock acquisition information according to the present invention, and then through the communication channel, the stock acquisition information registration server ( 300, when the conversion redemption preferred shares acquisition registration information including the conversion repayment preference stock delivery customer information, conversion repayment preferred stock information, conversion repayment preferred stock acquisition price information, the conversion received from the stock acquisition information registration server 300 India customer information, conversion repayment preference information, and conversion repayment preference shares included in the acquisition registration information The present invention relates to a method of linking a beam and storing the same in a predetermined storage medium 325. If a person having ordinary knowledge in the art belongs to the present invention, the stock of the stock in the information registration terminal may be referred to or modified with reference to FIG. Although various implementation methods for registering the conversion redemption preference shares acquisition information with the acquisition information registration server 300 may be inferred, the present invention includes all the implementation methods inferred by the implementation method illustrated in FIG. It is not limited.

Hereinafter, in FIG. 4, the information registration terminal shown in FIG. 3 is referred to as a “terminal” for convenience, and the stock acquisition information registration server 300 shown in FIG. 3 is referred to as a “server” for convenience. The conversion repayment preference shares India customer information, the conversion repayment preference shares information, the conversion repayment preference shares transfer price information transmitted to the stock acquisition information registration server 300 is referred to as "conversion repayment preference shares acquisition information" for convenience.

Referring to FIG. 4, when the information registration terminal shown in FIG. 3 is a predetermined network means (eg, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, CDMA-based mobile communication network, or IEEE 802.16x-based portable Internet, etc.) to connect to the server and to connect a predetermined communication channel for registering the conversion redemption preference shares registration information, the conversion redemption preference shares acquired from the predetermined company When requesting registration of the conversion redemption preference shares acquisition registration information for information registration (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registration of the conversion redemption preference shares acquisition information; 405, and transmits and outputs the generated (or extracted) web page to the terminal through the communication channel (410).

According to an embodiment of the present invention, the information registration interface inputs the conversion redemption preferred shares acquisition registration information including at least one or more of the conversion repayment preference shares delivery customer information, conversion repayment preference shares information, conversion repayment preference shares acquisition price information at the terminal ( Or a user interface).

In addition, the web page transmission or output process is preferably performed at least one or more times according to the conversion redemption preference shares acquisition registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) conversion redemption preferred shares acquisition registration information including at least one or more conversion redemption preferred stock delivery customer information, conversion redeemable preferred stock information, and conversion redemption preferred stock acquisition price information through the information registration interface (415). .

If the terminal receives (or selects) the conversion redemption preferred shares acquisition registration information including the conversion repayment preference shares delivery customer information, the conversion redemption preference shares information, and the conversion redemption preference shares taking payment information through the information registration interface (420), the The terminal transmits the input (or selection) of the conversion redemption preferred stock delivery customer information, the conversion redemption preferred stock information, and the conversion redemption preferred stock argument payment information to the server through the communication channel (425).

According to an embodiment of the present invention, the transfer (or selection) of the conversion repayment preference stock delivery customer information, the conversion repayment preference stock information, and the conversion repayment preference stock transfer payment information to the server through the communication channel is the information registration interface. It may further comprise the electronic signature or encryption through the security module provided in the terminal to transmit the conversion redemption preference shares acquired registration information (or selected) to the server.

Thereafter, the server receives the conversion redemption preference shares customer information, the conversion redemption preference shares information, the conversion redemption preference shares acceptance payment information through the communication channel, and receives the received conversion repayment preference shares registration information from the information storage unit 320. It may be made, including.

According to the method of the present invention, confirming the validity of the conversion redemption preference shares acquisition registration information, when the conversion redemption preference shares acquisition registration information is electronically signed or encrypted through the security module provided in the terminal, the conversion redemption The method may further include decoding the preferred stock acquisition registration information or decoding the conversion redemption preferred stock acquisition registration information.

The server performs an information registration procedure corresponding to the conversion redemption preference shares acquisition registration information, thereby linking the conversion redemption preference stock customer information, the conversion redemption preference information, and the conversion redemption preference stock acquisition price information to a predetermined storage medium (325). Save to (430).

According to an exemplary embodiment of the present invention, the storage medium 325 is preferably provided on the conversion redemption preferred stock acquisition information registration system, whereby the present invention is not limited thereto, and then the server registers predetermined information. By generating a web page including the history information and transmitting it to the terminal (435), the procedure for registering the conversion redemption preference shares transfer registration information transmitted from the terminal is completed.

5 is a diagram illustrating a non-face-to-face collateral information registration system for a mortgage loan according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates that the corporate customer who acquires a predetermined conversion redemption preferred stock through the conversion redemption preferred stock acquisition information registration system shown in FIG. 3 executes the stock collateral loan to the collateral information registration system through a predetermined information registration interface. When providing collateral stock information including at least one of the target stock information and collateral stock information, the collateral information registration system processes the collateral stock information and the collateral stock information included in the provided collateral stock information. As a system configuration for storing in a predetermined storage medium 530, those skilled in the art to which the present invention pertains, refer to or modify this figure 5 configuration of a security information registration system for collateral loans Various implementation methods may be inferred, but the present invention may be inferred from all implementations. It includes a method, and is not limited to the embodiment method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the security stock information provided from the customer on the storage medium 530 through a predetermined information registration interface on the security information registration system shown in FIG. The element is referred to as "secured information registration server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the security information registration system for the security of the stock mortgage includes an information registration terminal including at least one wired terminal or a wireless terminal used by a corporate customer. The information registration terminal is connected to the security information registration server 500 provided on the security information registration system through a predetermined network means.

According to an embodiment of the present invention, the corporate customer is connected to the secured information registration server 500 through at least one information registration terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the collateral stock information for the stock mortgage is input (or selected) through at least one user interface provided by the collateral information registration server 500, the collateral information through the predetermined network means in the information registration terminal. It is preferable to transmit to the security information registration server 500 provided on the registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the security information registration server 500 connected to the information registration terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the information registration terminal and network means, or It is preferable to include a separate web server for information registration.

The network means for connecting the information registration terminal and the security information registration server 500 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or DataTAC / Mobitex depending on the type of wireless communication network connected to the information registration terminal. It is preferable that any one of the base wireless data communication networks, or the wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the information registration terminal outputs at least one or more user interfaces provided by the secured information registration server 500, and inputs or selects at least one or more information through the user interface to the secured information registration server 500. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the security information registration server 500, etc.) is provided.

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

In the collateral information registration system as described above, at least one or more information registration terminal comprising at least one wired terminal or a wireless terminal used by the enterprise customer, and the information registration terminal and the security information registration server 500 A wired communication network or a wireless communication network performs a function of an information registration interface for the corporate customer to register collateral stock information for the secured loan.

The storage medium 530 provided on the collateral information registration system according to the present invention stores the predetermined stock information and the collateral stock condition information included in the collateral stock information provided from the information registration terminal and stores the predetermined information. Characterized in that stored in the medium 530, the security stock information including at least one or more of the security target stock information, collateral stock condition information stored in the storage medium 530 is used for the loan.

The security target stock information includes at least one of a redemption value, a redemption period, a repayment method, an issuance limit, and the like of a conversion redemption preferred stock corresponding to the conversion redemption preferred stock acquired by the corporate customer provided by the corporate customer as collateral for the predetermined loan. It is preferable to comprise as mentioned above.

The collateral stock condition information includes the stock information that the corporate customer additionally provides to reinforce the weakening of the security power when converting into the common stock, or the repayment condition upon unconverted. It is preferable to make it.

According to an embodiment of the present invention, the storage medium 530 is preferably provided in a DBMS on a financial system provided on the secured information registration system (or associated with the secured information registration system). The storage medium 530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

The collateral information registration server 500 provided on the collateral information registration system according to the present invention is a generic term for the collateral information registration system side components connected to the information registration terminal through a predetermined network means, and includes at least one server. (Or a device), 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, the security information registration server 500 is characterized by comprising an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 may implement a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a predetermined communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal. Do.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the information registration terminal, the interface unit 505 connects a communication channel with the information registration terminal based on the TCP / IP protocol. In addition, a communication interface for transmitting and receiving a web page (for example, HTML (Hyper-Text Markup Language) compatible web page) or information is provided using the HTTP protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an internet banking program) provided by the security information registration server 500, the interface unit 505 registers the information based on the TCP / IP protocol. It connects a communication channel with a 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 embodiment of the present invention, when the information registration terminal is an information registration terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 is based on 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 information registration terminal and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the information registration terminal, the interface unit 505 communicates with the information registration terminal and the communication channel based on the CDMA protocol. And a web interface (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the security information registration server 500, the interface unit 505 is configured to perform the information based on the CDMA protocol. It connects a communication channel with a registration 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 embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 505 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the automated teller machine and connecting a predetermined communication channel.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 5, the security information registration server 500 connects a communication channel with the security information registration server 500 through a predetermined information registration terminal through the interface unit 505, and then the interface unit 505. Interface providing unit 510 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined collateral stock information from the information registration terminal and providing the information to the information registration terminal; An information receiving unit 515 for receiving predetermined collateral stock information transmitted from the information registration terminal through the user interface in connection with the interface unit 505 and included in the received collateral stock information. And an information storage unit 525 configured to link and process the collateralized stock information and the collateral stock condition information to a predetermined storage medium 530. Shall be.

The interface providing unit 510 connects a communication channel with the secured information registration server 500 through the interface unit 505 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) the security stock information and transmit it to the security information registration server 500 through the network means, or extract from a predetermined database (not shown), and the interface The user interface generated in conjunction with the unit 505 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) collateral stock information including at least one of the target collateral information and collateral stock condition information based on the user interface, and the input (or selected) collateral stock information. It transmits to the secured information registration server 500 through the network means.

According to an embodiment of the present invention, when the information registration terminal is an information registration terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 510 is connected to the information registration terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the information registration terminal through the interface unit 505. .

According to another embodiment of the present invention, when the information registration terminal is an information registration terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program provided in the information registration terminal. 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 information registration terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 510 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 505. desirable.

According to another embodiment of the present invention, a predetermined type having at least one user interface for inputting (or selecting) the security stock information to the information registration terminal and transmitting the security stock information to the security information registration server 500 through the network means. When the information registration program is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 515 inputs (or selects) collateral stock information including at least one of collateral target stock information and collateral stock condition information through the user interface, the information registration terminal 515 transmits the data through the network means. The collateral stock information is received in cooperation with the interface unit 505, and the received collateral stock information is provided to the validity confirming unit 520.

The validity verification unit 520 is characterized by checking whether the security stock information received from the information registration terminal satisfies the validity for the mortgage loan.

According to an embodiment of the present invention, the validity confirmation of the security stock information is requested by the security stock issuing company (or a stock valuation institution, etc.) to confirm the validity of the security stock, and the security collateral issuing company By receiving a validity check on the stock, it is possible to confirm whether the security stock information satisfies the validity for the security of the stock mortgage.

When the validity of the security stock information is confirmed, the information storage unit 525 stores the information on the security target stock information and the security stock condition information included in the security stock information in the storage medium 530. When the storage medium 530 is provided in the secured information registration server 500 or on the network associated with the secured information registration server 500, the information storage unit 525 receives the received information. The collateral stock information and the collateral stock condition information included in the collateral stock information are preferably stored in the storage medium 530.

6 is a diagram illustrating a process of registering collateral stock information for a mortgage loan according to an embodiment of the present invention.

More specifically, FIG. 6 illustrates that the corporate customer who acquires a predetermined conversion redemption preferred stock through the conversion redemption preferred stock acquisition information registration system shown in FIG. 3 executes the stock collateral loan through the predetermined information registration interface. When providing collateral stock information including at least one of the target stock information and collateral stock information, the collateral information registration system processes the collateral stock information and the collateral stock information included in the provided collateral stock information. As a system configuration for storing in a predetermined storage medium 530, those skilled in the art to which the present invention pertains, refer to or modify this figure 5 configuration of a security information registration system for collateral loans It will be possible to infer various implementation methods for the present invention. It comprises a method, and shall not be limited to the exemplary method shown in the figure 5.

Hereinafter, in FIG. 6, the information registration terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the security information registration server 500 illustrated in FIG. 5 is referred to as a “server” for convenience. The security target stock information and the security stock condition information transmitted to the security information registration server 500 are referred to as "collateral stock information" for convenience.

Referring to FIG. 6, when the information registration terminal shown in FIG. 5 is a predetermined network means (for example, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, CDMA-based mobile communication network, or IEEE 802.16x-based mobile Internet, etc.) to connect to the server, connect a predetermined communication channel for registering the security stock information, and request the registration of the security stock information for the security loan. The lower surface 600, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the security stock information (605), the web page generated (or extracted) through the communication channel Transmit and output to the terminal (610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) collateral stock information including at least one of the collateral target stock information and collateral stock condition information in the terminal. Do.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the procedure for registering the collateral stock information, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) collateral stock information including at least one collateral target stock information and collateral stock condition information through the information registration interface (615).

If the terminal inputs (or selects) the collateral stock information including the security target stock information and the collateral stock condition information through the information registration interface (620), the terminal inputs (or selects) the communication channel through the communication channel. The security target stock information and the security stock condition information are transmitted to the server (625).

According to an embodiment of the present invention, transmitting the security target stock information and the security stock condition information input (or selected) through the communication channel to the server may include security input (or selected) through the information registration interface. It may further comprise transmitting the stock information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the security target stock information and the security stock condition information through the communication channel to check the validity of the security stock information (630).

According to an embodiment of the present invention, the validity confirmation of the security stock information is requested by the security stock issuing company (or a stock valuation institution, etc.) to confirm the validity of the security stock, and the security collateral issuing company By receiving a validity check on the stock, it is possible to confirm whether the security stock information satisfies the validity for the security of the stock mortgage.

According to an embodiment of the present invention, checking the validity of the security stock information, when the security stock information is electronically signed or encrypted through a security module provided in the terminal, decrypts the security stock information, or It may further comprise decoding the security stock information.

If the validity of the security stock information is not authenticated (635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (640), the information corresponding to the security stock information Do not perform the registration process.

On the other hand, if the validity of the security stock information is authenticated (635), the server performs an information registration procedure corresponding to the security stock information, by linking the security target stock information, collateral stock condition information to a predetermined storage medium. And stores in 530 (645).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (650), thereby completing the procedure of registering the security stock information transmitted from the terminal.

7 is a diagram illustrating a security stock management system according to an exemplary embodiment of the present invention.

In more detail, Figure 7 checks whether the convertible preferred stocks are converted to common stocks of the convertible preferred stocks, which are provided as collateral from a predetermined company through the collateral information registration system shown in FIG. As a system configuration for adding the holding shares of the company corresponding to the conversion of the common stock of the convertible preferred stock with reference to the collateral stock condition information stored in a predetermined storage medium 735 through the collateral information registration system, Those skilled in the art to which the present invention pertains, various implementations of the collateral stock management system that adds to the collateral the holding stock of the company corresponding to the conversion of the common stock of the convertible redemption preferred stock by referring to or modifying the figure 7 It will be possible to infer a method, but the present invention is directed to all practice methods inferred. It is made, including, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

Referring to FIG. 7 according to an embodiment of the present invention, the collateral stock management system includes collateral stock information (collateralized stock information, collateral stock condition information) registered as collateral through the collateral information registration system shown in FIG. Confirming whether or not to convert ordinary shares of the convertible preferred redeemable shares, storage medium 735 storing additional information on collateralized stocks, and converting common shares of the converted preferred redeemable shares registered as the collateral; Corresponding to the collateral stock condition information included in the collateral stock information, characterized in that it comprises a collateral stock management server 700 for adding the other shares held by the collateral providing customer as collateral.

In addition, the collateral stock management server 700 may be a collateral information registration server 500 on the collateral information registration system shown in FIG. 5 or may be a separate server for the collateral stock operation, thereby limiting the present invention. Not.

In addition, in FIG. 7, the collateral stock management server 700 is configured to operate the collateral stock based on whether to convert the common stock based on the collateral stock in connection with the collateral information registration system, and the storage. Although the present invention includes all of the functional configurations for periodically checking the security stock information stored in the medium 735 to achieve the security stock management, the present invention is not limited thereto, and the security stock management server 700 is not limited thereto. It is clear that each function configuration can be made through a separate server (or device).

Referring to FIG. 7, the collateral management server 700 includes an interface unit 705 for connecting and managing a predetermined communication channel and a predetermined communication channel through a predetermined communication network for the collateral management operation. Information receiving unit 710 for receiving the common stock conversion information of the security stock transmitted from the information management terminal in conjunction with the interface unit 705, and an information confirmation unit for confirming the collateral stock condition information corresponding to the received common stock conversion information (715) and confirming (or calculating) the amount of collateralized weakness in accordance with the conversion of the common stock of the security stock according to the identified collateral stock condition information, and providing the collateralized customer with the amount of the collateralized weakened amount of the security (or calculated). The collateral stock management unit 720 that adds the predetermined stocks held as collateral and the collateral stock additions are stored in a predetermined storage medium 735 by linking the collateral stock information with the collateral stock information. The storage is characterized by including an information storage unit 725.

In addition, the collateral stock management server 700 may be configured to include an information transmitter 730 for transmitting the additional collateral stock details to the information management terminal or the collateral stock provider terminal.

According to an embodiment of the present invention, when the information operation terminal is an information operation terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 705 is the wired communication network or a wireless communication network. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the information operation terminal based on a protocol stack defined in the above, and using a communication protocol defined in a communication program provided in the information operation terminal. It is desirable to provide an interface.

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

Alternatively, when the information management terminal is provided with a communication program (eg, an internet banking program) provided by the secured stock management server 700, the interface unit 705 is based on the TCP / IP protocol. It connects a communication channel with a 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 embodiment of the present invention, when the information operating terminal is an information operating terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 is based on 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 information operation terminal and at least one information (or data) transmission and reception using a communication protocol defined in a communication program provided in the information operation terminal.

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

Or, if the information management terminal is provided with a communication program (eg, IC chip-based program, etc.) provided by the secured stock management server 700, the interface unit 705 is based on the CDMA protocol the information management It connects a communication channel with a 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 information operation terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

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

The information receiving unit 710, in connection with the interface unit 705, characterized in that for receiving the common stock conversion information of the security stock transmitted from the information management terminal, the received common stock conversion information of the collateral stock Provided to the information confirmation unit 715.

The information confirming unit 715 checks collateral stock condition information corresponding to the common stock conversion information received through the information confirming unit 715 in cooperation with the storage medium 735. The collateral stock condition information corresponding to the converted common stock conversion information is provided to the collateral stock management unit 720.

The collateral stock management unit 720 confirms (or calculates) a security weakening amount (eg, a trading profit, etc.) according to the conversion of the common stock of the collateral stock according to the collateral stock condition information confirmed through the information confirming unit 715. ) By adding a predetermined stock held by the security providing customer as a collateral by the amount of the security collateral weakened by the confirmed (or calculated) amount, and preserving collateral power for a predetermined loan. The information storage unit 725 and the information transmitter 730 are provided.

The information storage unit 725 may process the collateral stock addition information in association with the collateral stock information and store it in a predetermined storage medium 735.

8 is a diagram illustrating a security stock management process according to an embodiment of the present invention.

More specifically, FIG. 8 confirms whether or not the convertible redemption preferred stocks are ordinary shares of the convertible redeemable preferred stocks provided as collateral from a predetermined company through the collateral information registration system shown in FIG. When the collateral information registration system stored in the predetermined storage medium 735, the reference to the collateral stock condition information, and the process of adding the holding shares of the company corresponding to the conversion of the common stock of the convertible redemption preferred stock to the collateral For those of ordinary skill in the art to which the present invention pertains, the process of collateral stock management for adding to the collateral the stock held by the company corresponding to the conversion of the common stock of the convertible redeemable preferred stock by referring to or modifying the figure 8 Various implementations may be inferred, but the present invention is directed to all implementations inferred above. It is made, including, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the information operation terminal illustrated in FIG. 7 will be referred to as a “terminal” for convenience, and the security management server 700 illustrated in FIG. 7 will be referred to as a “server” for convenience.

Referring to FIG. 8, when a terminal requests a registration of information for connecting a communication channel with a server and secured stock management (800), the server generates (or extracts) a web page corresponding to the information registration interface for secured stock management ( In step 805, a web page corresponding to the information registration interface is transmitted / output to the terminal through a communication channel (810).

In the terminal, the common stock conversion information of the security stock is input (or selected) through the information registration interface (815).

When the common stock conversion information of the security stock is input (or selected) (820), the terminal transmits the common stock conversion information of the security stock to the server through the communication channel (825).

The server receives the common stock conversion information of the collateral stock from the terminal through the communication channel (830), and collateral stock condition information corresponding to the received common stock conversion information of the collateral stock in conjunction with the storage medium 735 Verify (or extract) 835.

In addition, the server identifies (or calculates) a security weakening amount according to the conversion of the common stock of the collateral stock by using the checked collateral stock condition information (840), and confirms (or calculates) the collateral power. In operation 845, the stock information of the security stock providing customer corresponding to the weakened amount is confirmed.

Thereafter, the server processes the pre-owned stock information of the security stock providing customer corresponding to the confirmed collateral weakening amount in association with the collateral stock information and stores it in the storage medium 735 (850), and adds the details of the security stock. The web page is generated (extracted) and transmitted to the terminal (collateral stock providing customer terminal, collateral providing customer terminal, etc.) (855).

According to the present invention, there is an advantage in that it is possible to match the needs of foreign investors who are looking to convert common stocks of convertible redeemable preferred stocks and those who want to participate later in the case with existing domestic investors who want to realize short-term realization.

In addition, there is an advantage that can strengthen the collateral weakening due to the conversion of the common shares of the collateral.

Claims (4)

Storing investment information including investment investment information and investment history information provided from a predetermined terminal in a predetermined investment information registration means on a predetermined storage medium; Storing, in the predetermined storage medium, the conversion redemption preferred stock acquisition registration information including the predetermined repayment preferred stock delivery customer information, the conversion redeemable preferred stock information, and the conversion redemption preferred stock acquired payment information provided from the predetermined terminal in the predetermined acquisition information registration means; ; Storing collateral stock information including collateral target stock information and collateral stock condition information provided from a predetermined terminal in a predetermined collateral information registration means on a predetermined storage medium; Receiving common stock conversion information of the security stock transmitted from a predetermined information operating terminal in a predetermined information receiving means; Confirming collateral stock condition information corresponding to the received common stock conversion information in association with the storage medium in a predetermined information checking means; And Confirmed (or calculated) collateralized weakening amount (e.g., transaction profit, etc.) according to the conversion of the common stock of the collateral stock according to the identified collateral stock condition information in a predetermined collateral stock operating means, and the confirmed (or calculated) collateral power And preserving the security of the predetermined loan by adding a predetermined stock held by the security providing customer as a collateral as a weakened amount. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Investment information registration means for storing investment information including investment investment information and investment history information provided from a predetermined terminal in a predetermined storage medium; Acquiring information registration means for storing, in a predetermined storage medium, the conversion redemption preference shares acquiring registration information including the predetermined conversion redemption preference shares delivery customer information, the conversion redemption preference shares information, and the conversion redemption preference shares taking payment information provided from a predetermined terminal; Collateral information registration means for storing collateral stock information including collateral target stock information and collateral stock condition information provided from a predetermined terminal on a predetermined storage medium; Information receiving means for receiving common stock conversion information of the security stock transmitted from a predetermined information management terminal; Information confirmation means for confirming collateral stock condition information corresponding to the received common stock conversion information in association with the storage medium; And Confirming (or calculating) collateralized weakening amount (e.g., transaction profit, etc.) according to the conversion of the common stock of the collateral stock according to the identified collateral stock condition information, and providing the collateral providing customer by the amount of the collateralized weakening of the collateralized security (or calculated). A security stock management system comprising: a predetermined stock held in advance and a collateral stock operating means for preserving the security of the predetermined loan. The method of claim 3, wherein And said at least one means is provided (or linked) in a predetermined financial institution.

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