KR20090001909A

KR20090001909A - System and method for supporting indirectness investment stock trade and program recording medium

Info

Publication number: KR20090001909A
Application number: KR1020070052322A
Authority: KR
Inventors: 방창용
Original assignee: 주식회사 신한은행
Priority date: 2007-05-29
Filing date: 2007-05-29
Publication date: 2009-01-09

Abstract

A system and a method for supporting indirect investment stock trade are provided to minimize necessary time needed for processing trade and process transactions sales of a beneficiary certificate efficiently. A system and a method for supporting indirect investment stock trade comprise the following units. A seller sells indirect investment goods. A contract unit(940) deals with sales contracts between fixers. An information storing unit(935) stores information corresponding to the sales contracts and fixer's account in a predetermined storage unit(970). A confirmation unit(930) linked with the storage unit confirms information about a beneficiary certificate, transaction money, the seller, and the fixer.

Description

System and Method for Supporting Indirectness Investment Stock Trade and Program Recording Medium}

1 is a block diagram of an indirect investment product trading support system according to an embodiment of the present invention.

2 is a diagram illustrating a face-to-face indirect investment product subscription system for seeking a stable return on investment through surrogate investment in a customer's assets in accordance with one embodiment of the present invention.

3A and 3B illustrate an indirect investment product subscription process for seeking a stable return on investment through surrogate investment in a customer's assets in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate an indirect investment product subscription processing process for pursuing a stable return on investment through surrogate investment in a customer's asset in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate an indirect investment product subscription process for pursuing a stable return on investment through surrogate investment in a customer's asset in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face indirect investment product subscription system for pursuing a stable return on investment through surrogate investment in a customer's asset according to another exemplary embodiment of the present invention.

7A and 7B illustrate an indirect investment product subscription processing process for pursuing a stable return on investment through surrogate investment in a customer's asset in a non-face to face manner according to an exemplary embodiment of the present invention.

8A, 8B, and 8C are diagrams illustrating an indirect investment product subscription process for pursuing a stable return on investment through surrogate investment in a customer's asset according to one embodiment of the present invention.

9 is a diagram illustrating an indirect investment product transaction processing system for pursuing a stable return on investment through surrogate investment in a customer's asset according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a contract processing method of an indirect investment product trading transaction for pursuing a stable return on investment through surrogate investment in a customer's asset according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a contract processing method of an indirect investment product trading transaction for pursuing a stable return on investment through surrogate investment in a customer's asset according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a transfer processing method of an indirect investment product trading transaction for pursuing a stable return on investment through surrogate investment in a customer's asset according to an exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a transfer processing method of an indirect investment product trading transaction for pursuing a stable return on investment through surrogate investment in a customer's asset according to an exemplary embodiment of the present invention.

100, 103: indirect investment product trading server 105: branch investment product subscription server

110: money transfer processing server 115: buyer's financial system

120: Securities Depository Server

According to the present invention, a trade contract between a seller and a buyer for the indirect investment product is concluded at a predetermined contract conclusion means when a transaction is made for a predetermined indirect investment product, and the information storage means corresponds to the sale contract. Linking the seller information, the buyer information, the beneficiary certificate information corresponding to the indirect investment product, the transaction approval information, the transaction amount information, and the buyer account information in a predetermined storage medium; and concluding the transaction contract in a predetermined contract confirmation means. Confirming that the next day of arrival, the next day of the conclusion of the contract, confirming the seller information, the buyer information, beneficiary certificate information and the sale price information in connection with the storage medium, the predetermined beneficiary certificate transfer means In connection with the Securities Depository Server, beneficiary certificates corresponding to the indirect investment products may be added to the buyer information. In steps and certain financial settlement means that prior to the response given securities account, which relate to indirect investment product sales support method comprising the steps of settlement to withdraw the sale price from the buyer account information in connection with the storage medium.

As individuals or companies invest and manage assets in indirect investment products, such as beneficiary certificates, the variation in investment gains and losses is difficult to predict. It is common to minimize the loss of assets owned by the sale of beneficiary certificates at a certain point in time of decline, and in this case, a certain discount rate is usually applied to the seller holding the beneficiary certificates. In general, the transfer of beneficiary certificates through trading is becoming common to avoid applying discount rates that result in the loss of assets held.

However, the transfer of beneficiary certificates through conventional trading is expensive and time-consuming because the processing of trading transactions between the financial institution (or fund subsidiary) and the Securities Depository is redundant and the processing time is long. There is a problem that there is a problem, and the seller or buyer who makes a double deal with impure intention by using the fact that there is a difference in processing time for the beneficiary trading transaction by each institution, and the seller and the buyer who negotiate the double transaction The reality is that a problem can be exploited.

An object of the present invention for solving the above problems is a contract conclusion means for entering into a sales contract between the seller and the buyer for the indirect investment product, and the seller corresponding to the sale contract, when trading a predetermined indirect investment product Information storage means for linking the information, the buyer information, the beneficiary certificate information corresponding to the indirect investment product, the transaction approval information, the transaction amount information, and the buyer account information and storing the information on a predetermined storage medium; A contract confirmation means for confirming the seller information, the buyer information, the beneficiary certificate information, and the transaction value information in connection with the storage medium, and the indirect investment product in connection with a securities depository server when the contract arrives on the next day of the conclusion of the contract; Revenue certificate for transferring the beneficiary certificate corresponding to the designated securities account to the buyer It is the transfer means and the indirect investment product sales support system in conjunction with the storage medium having the funding settlement means settlement to withdraw the sale price from the buyer to provide account information.

Indirect investment product sales support method according to the present invention, when the trading transaction for a predetermined indirect investment product, the conclusion of a sales contract between the seller and the buyer for the indirect investment product in a predetermined contract conclusion means, and predetermined information Storing, by the storage means, in association with the seller information, the buyer information, the beneficiary certificate information, the sale approval information, the sale price information, and the buyer account information corresponding to the sale contract, in a predetermined storage medium; Confirming whether the contract is reached on the next day of the conclusion of the sale contract, and confirming the seller information, the buyer information, the beneficiary certificate information, and the transaction amount information in connection with the storage medium, Respond to the indirect investment product by linking with the Securities Depository Server at the designated beneficiary certificate transfer means Transferring the beneficiary certificate to a predetermined securities account corresponding to the buyer information and withdrawing the transaction amount from the buyer account information in connection with the storage medium in a predetermined fund settlement means; It is characterized by.

In the method for supporting indirect investment product sales according to the present invention, the beneficiary certificate transfer means transfers a beneficiary certificate corresponding to the indirect investment product to a securities account corresponding to the buyer information in association with a securities depository server. The method may further include setting a lock in the predetermined account lock processing unit such that the purchase price is not withdrawn from the buyer account.

On the other hand, it includes a recording medium recording a program for executing the above-described indirect investment product sales support method.

On the other hand, the indirect investment product sales support system according to the present invention, a contract conclusion means for entering into a sales contract between the seller and the buyer for the indirect investment product, the trading contract for a predetermined indirect investment product, and corresponding to the sale contract Information storage means for linking the seller information, the buyer information, the beneficiary certificate information corresponding to the indirect investment product, the transaction approval information, the transaction amount information, and the buyer account information, and storing the information on a predetermined storage medium; And the contract confirmation means for confirming the seller information, the buyer information, the beneficiary certificate information, and the purchase price information in connection with the storage medium, and the indirect linkage with the Securities Depository Server. Transferring beneficiary certificates corresponding to investment products to a predetermined security account corresponding to the buyer information; And a fund settlement means for withdrawing the transaction amount from the buyer account information in connection with a beneficiary certificate transfer means and the storage medium.

Indirect investment product trading support system according to the present invention, characterized in that further comprises an account lock processing means for setting a lock so that the purchase price is not withdrawn from the buyer account.

Hereinafter, the operation of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and financial institutions. 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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

Figure 1 shows the configuration of the indirect investment product sales support system in the method of the present invention.

In more detail, Figure 1 shows that a customer who subscribes to a predetermined indirect investment product enters into a trading agreement with a predetermined buyer for a trading transaction on the indirect investment product, and when the next business day starts, according to the transaction contract. The indirect investment product trading support system for processing indirect investment product trading transactions, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one or more ledger information provided in the D / B and at least one or more ledger additional information corresponding to each ledger information, each ledger information is stored in a relational manner, or stored in a predetermined ledger. You should be aware that information and at least one ledger additional information are stored in a relational manner. , A detailed description thereof will be omitted for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the indirect investment product sales support system concludes a transaction contract between a predetermined seller and a buyer for a trading transaction on a predetermined indirect investment product, and the next business day starts. An indirect investment product trading server (100, 103) for processing an indirect investment product trading transaction in accordance with the transaction contract, an indirect investment product subscription server (105) for subscribing and operating the indirect investment product for trading; and the indirect investment A fund transfer processing server 110 for processing a money transfer corresponding to a trading transaction of a product, a buyer's financial system 115, and a securities depository server 120 are connected to process a trading support between the buyer and the seller. It is characterized by.

Indirect investment product subscription processing server according to the present invention is a predetermined customer fills a predetermined indirect investment product application form containing a predetermined customer information, financial product subscription information (fund subscription information), and at least one customer account information When submitted to a window provided in a financial product (or fund joining institution), the indirect investment product joining application information based on the indirect investment product joining application information corresponding to the indirect investment product application in the financial product (or fund joining institution) It is characterized by registering.

In addition, the indirect investment product transaction processing server according to the present invention is transmitted from a predetermined seller terminal to verify the beneficiary certificate transaction request information including at least one or more customer information, beneficiary certificate information, and transaction approval information, and then indirect investment product That is, when a sales contract for a beneficiary certificate is generated, the customer is an underlying information for generating trading price information and buyer account information through the internal processing of the server, and performing the transaction of the trading contract until the next day of the trading contract. Information, the beneficiary certificate information, the transaction approval information, the transaction price information, and the buyer account information are stored in a predetermined storage medium to process the transaction of a seller and a buyer related to a beneficiary security transaction. It is done.

In addition, the funds transfer processing server 110 according to the present invention, the customer information, the beneficiary certificate information, the sale approval information, the sale price information and And, based on the buyer account information, when the financial institution (or fund subscribing institution) subscribed to by the seller involved in the beneficiary securities transaction contract reaches the next day of the contract, that is, the next business day, the beneficiary of the seller associated with the transaction on the server. It is characterized in that the transfer process and transfer of the transaction amount of the buyer, the overall transaction behavior of the seller and the buyer related to the beneficiary contract.

In addition, the Securities Depository Server according to the present invention, the indirect investment product transaction processing server, the comprehensive management of securities, such as beneficiary certificates that are traded between the seller and the buyer in connection with the money transfer processing server 110, and transaction brokerage And processing for transaction settlement and the like.

In addition, the financial system according to the present invention is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, information systems for the processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) to access the financial system, or And an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) It is characterized in that the cooperative process is stored as.

2 is a diagram illustrating a face-to-face indirect investment product subscription system for pursuing a stable return on investment through surrogate investment in a customer's assets according to an embodiment of the present invention.

In more detail, FIG. 2 shows that a predetermined customer prepares an application for an indirect investment product including at least one predetermined customer information, financial product subscription information (fund subscription information), and customer account information. When submitted to a window provided in a fund sign-up agency, the financial product (or fund sign-up agency) through the proxy investment of the client's assets based on the indirect investment product subscription application information corresponding to the indirect investment product application A system configuration for subscribing to an indirect investment product for the pursuit of a stable return on investment and opening a predetermined financial account for managing the indirect investment product, and a person having ordinary knowledge in the technical field to which the present invention belongs, Indirect investment award for stable investment return through surrogate investment in customer's assets with reference to or modifying this drawing 2. Would be able to infer a variety of exemplary methods for the subscription system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, indirect investment product subscription system omitting the method of storing the indirect investment product application electronic document in the electronic document repository by referring to or modifying the drawing 2. The configuration may be inferred, and the DBMS in which the electronic document repository is located in the indirect investment product subscription system, in addition to the implementation method shown in FIG. 2, may also be stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method of generating the indirect investment product application electronic document, as shown in FIG. 2, the indirect investment product application electronic document corresponding to the indirect investment product application application is provided at the server side on the indirect investment product subscription system. Although the present invention is illustrated as being generated, the present invention is not limited thereto, and the indirect investment product application electronic document acquires image contents corresponding to the indirect investment product application through a predetermined image acquisition device. May be generated (eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the indirect investment product application electronic document), and the present invention is not limited thereto.

Hereinafter, the customer subscribes to the indirect investment product in response to the indirect investment product application form and the indirect investment product subscription application information prepared by the customer through a predetermined financial product subscription interface shown in FIG. 2. And a component corresponding to at least one or more means or functional configuration for generating a predetermined indirect investment product application electronic document and storing it in a predetermined electronic document storage, for convenience, is referred to as "indirect investment product subscription server 100". .

Referring to FIG. 2 according to an embodiment of the present invention, an indirect investment product subscription system for seeking a stable return on investment through surrogate investment in the client's assets is provided at at least one financial institution branch (or branch). It characterized in that it comprises a terminal device 200 including a window terminal, the terminal device 200 is an indirect investment product subscription server 100 provided on the indirect investment product subscription system through a predetermined financial network And communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the branch office of the financial institution (sales office) in order to pursue a stable return on investment through proxy investment on the assets of the client, and the window provided in the branch office of the financial institution (office) Through an indirect investment product application (eg, through a surrogate investment in the client's assets) to pursue a stable return on investment through surrogate investment in the client's assets. Document with a form for filling in at least one item of information), wherein the customer is required to seal the customer's seal for the legal basis for the indirect investment product application.

Thereafter, when the customer submits the prepared indirect investment product application to the counter employee, the counter staff scans the indirect investment product application through a predetermined image acquisition device to acquire predetermined image content, and the predetermined counter terminal An indirect investment product subscription including at least one image content obtained in response to the indirect investment product application, customer information written in the indirect investment product application, financial product subscription information (fund subscription information), and customer account information; Input (or select) the application information, the counter terminal corresponding to the indirect investment product subscription server 100 provided on the indirect investment product subscription system through the financial network through the image content and indirect investment product subscription application information; Is preferred.

For reference, the customer information constituting the indirect investment product subscription application information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (E.g., member ID information provided in the customer ledger provided on the financial system 275 associated with the trust loan limit setting registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. , Or a CIF (Customer Information File) number or the like).

The customer account information is account information for depositing an investment target amount of the customer. When the indirect investment product subscription system requests investment subscription of the customer, the indirect investment product subscription system is confirmed by referring to the financial product subscription information. It is characterized in that the investment amount can be withdrawn with reference to the customer account information.

The financial product subscription information is linked to the customer information, the type of indirect investment products that the customer intends to invest, the investment period of the investment target indirect investment products, the expected return rate of the investment target indirect investment products, and the indirect Characterized in that it includes the approval or acceptance information of the customer regarding the investment agreement and the terms related to the contract of the investment product.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the indirect investment product subscription server 100 connected to the window terminal is the predetermined financial system 275 It is preferable to include a server (for example, a ledger server, etc.) provided on, the financial network connecting the window terminal and the indirect investment product subscription server 100 is the window terminal and the indirect investment product subscription server ( 100) preferably comprises a network for connecting the communication channel between.

In the indirect investment product subscription system as described above, an image acquisition device for acquiring image contents corresponding to an indirect investment product application prepared by the customer, a teller terminal used by the employee and the teller terminal and the indirect investment product joining server. The financial network connecting 100 performs a function of a financial product subscription interface for registering the indirect investment product subscription application information for the customer to pursue a stable return on investment through surrogate investment in the client's assets.

The indirect investment product subscription server 100 provided on the indirect investment product subscription system according to the present invention is a generic term for the indirect investment product subscription system side component connected to the terminal device 200 through a predetermined financial network. It may be implemented by including at least one server (or 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 exemplary embodiment of the present invention, when the terminal device 200 is a window terminal connected to a predetermined financial network, the indirect investment product subscription server 100 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided on the system 275, a server (or device) provided in the external system on the financial system 275, or a program provided in the external system on the financial system 275, Thereby, this invention is not limited.

According to an embodiment of the present invention, the indirect investment product subscription server 100 includes an interface unit 205 for connecting and managing a predetermined communication channel with the terminal device 200 through the financial network. It is done.

According to an exemplary embodiment of the present invention, when the terminal device 200 is a window terminal connected to a predetermined financial network, the interface unit 205 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the indirect investment product subscription server 100 connects a predetermined communication channel with the indirect investment product subscription server 100 through the interface unit 205 through a predetermined terminal device 200. Obtaining image contents corresponding to the indirect investment product application written by the customer through a predetermined image acquisition device provided in the terminal device 200 in order to pursue a stable return on investment through surrogate investment in the customer's assets; Generate (or extract) at least one user interface for inputting (or selecting) indirect investment product subscription application information corresponding to the indirect investment product application to be transmitted to the indirect investment product subscription server 100, and the interface unit An interface providing unit 210 which provides the generated (or extracted) user interface to the terminal device 200 in association with 205; When the terminal device 200 inputs (or selects) the indirect investment product subscription application information corresponding to the indirect investment product application through the user interface and transmits the information, the terminal device 200 in association with the interface unit 205. An information receiving unit 215 for receiving the indirect investment product subscription application information transmitted from the terminal and the terminal apparatus 200 corresponding to the indirect investment product application prepared by the customer through a predetermined image obtaining apparatus based on the user interface; Obtaining and transmitting the image content, characterized in that it comprises an image receiving unit 220 for receiving the image content corresponding to the indirect investment product application in conjunction with the interface unit 205.

The interface provider 210 connects a predetermined communication channel with the indirect investment product subscription server 100 through the interface unit 205, and then the indirect investment product subscription server 100. When requesting a user interface for a stable return on investment through the surrogate investment of the customer's assets, corresponding to the indirect investment product application made by the customer through a predetermined image acquisition device provided in the terminal device 200 At least one user to obtain an image content, and input (or select) the indirect investment product subscription application information corresponding to the indirect investment product application to transmit to the indirect investment product subscription server 100 through the financial network Create an interface, or extract from a predetermined database (not shown), and in conjunction with the interface unit 205 The generated (or extracted) user interface may be provided to the terminal device 200 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 200 acquires image contents corresponding to the indirect investment product application written by the customer through a predetermined image acquisition device, and indirect investment product corresponding to the indirect investment product application. When a predetermined information registration program having at least one user interface for inputting (or selecting) subscription application information and transmitting it to the indirect investment product subscription server 100 through the financial network is provided, Acquire an image content corresponding to the indirect investment product application prepared by the customer through an image acquisition device of the customer, and input (or select) the indirect investment product subscription application information corresponding to the indirect investment product application; Generating (or extracting) a user interface for transmission to 100; End and the interface providing unit 210 is mubang be omitted to provide a device 200, to which the present invention is not limited.

Thereafter, the terminal device 200 inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the user interface. And transmits the input (or selected) indirect investment product subscription application information to the indirect investment product subscription server 100 through the financial network. In response, the information receiving unit 215 transmits the interface unit 205. ) And the indirect investment product subscription application information transmitted from the terminal device 200.

In addition, the terminal device 200 obtains the image content corresponding to the indirect investment product application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 220 receives the image content corresponding to the indirect investment product application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal device 200 acquires image content corresponding to the indirect investment product application written by the customer through a predetermined image acquisition device, and is provided in the terminal device 200 ( Or, if stored in a predetermined storage device, the terminal device 200 is an image corresponding to the indirect investment product application created by the customer of the at least one or more image content previously stored in the storage device through the user interface A content is selected and transmitted to the indirect investment product subscription server 100 through the financial network. In response thereto, the image receiving unit 220 is connected to the interface unit 205 to correspond to the indirect investment product application. It is desirable to receive content.

According to another exemplary embodiment of the present invention, the image content corresponding to the indirect investment product application written by the customer through the user interface in the terminal device 200 and the indirect investment product subscription application information corresponding to the indirect investment product application. When transmitting together, the information receiving unit 215 may be connected with the interface unit 205 to receive image content corresponding to the indirect investment product application and indirect investment product subscription application information together (eg, the image). The receiver 220 is integrated into the information receiver 215 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 2, when the indirect investment product subscription server 100 receives the indirect investment product subscription application information transmitted from the terminal device 200 through the information receiver 215, the indirect investment product subscription server 100 receives the received indirect investment product. It is characterized in that the subscription application information is provided with a validity check unit 225 to determine whether the satisfaction for pursuing a stable return on investment through the surrogate investment on the customer's assets.

According to an embodiment of the present invention, the validity of the indirect investment product subscription application information is applied to the indirect investment product subscription application to the ledger D / B 280 on the financial system 275 associated with the indirect investment product subscription system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the validity confirmation of the indirect investment product subscription application information includes the customer information (customer personal information, member information, etc.) of the information included in the indirect investment product subscription application information associated with the indirect investment product subscription system. It may be desirable to include a match with the customer ledger stored in the ledger D / B 280 on the financial system 275.

Referring to FIG. 2, the indirect investment product subscription server 100 receives the image content transmitted from the terminal device 200 through the image receiver 220, and through the validity checker 225. When the validity of the indirect investment product subscription application information is authenticated, an electronic document generation unit 230 for generating a predetermined indirect investment product application electronic document including the received image content, and the generated indirect investment product application electronic document It characterized in that it comprises an electronic document transmission unit 235 for transmitting to the electronic document storage associated with the indirect investment product subscription system.

The electronic document generator 230 generates an indirect investment product application electronic document including the image content received from the terminal device 200 through the image receiver 220.

According to an exemplary embodiment of the present invention, the electronic document generator 230 stores an image file including the image content received from the terminal device 200 through the image receiver 220 as it is on the asset of the customer. It is advisable to treat them as electronic documents for applying for indirect investment products to pursue a stable return on investment through proxy investment.

Alternatively, the electronic document generator 230 includes the image content received from the terminal device 200 through the image receiver 220 in the indirect investment product subscription application information received through the information receiver 215. Proxy for an asset of the customer with an image file corresponding to an image content including watermarking method of the customer information, financial product subscription information (fund subscription information), and customer account information It is desirable to generate an indirect investment product application electronic document for the purpose of seeking a stable return on investment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 230 includes a predetermined document file (eg, PDF) including the image content received from the terminal device 200 through the image receiving unit 220. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). It is advisable to generate electronic documents for applying for indirect investment products to pursue a stable return on investment through proxy investment.

Alternatively, the electronic document generator 230 includes the image content received from the terminal device 200 through the image receiver 220 in the indirect investment product subscription application information received through the information receiver 215. Generated image contents including at least one of customer information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner, and include a predetermined image content including the generated image content. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate an indirect investment product application electronic document for a stable return on investment through surrogate investment in the customer's assets.

According to another exemplary embodiment of the present invention, the electronic document generator 230 receives the image content and the information receiver 215 received from the terminal device 200 through the image receiver 220. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the indirect investment product subscription application information; or By generating a web document file including the MHT, etc., it is preferable to generate an indirect investment product application electronic document for seeking a stable return on investment through proxy investment of the customer's assets.

Alternatively, the electronic document generator 230 includes the image content received from the terminal device 200 through the image receiver 220 in the indirect investment product subscription application information received through the information receiver 215. Generated image information including at least one of customer information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner, and the generated image content and the indirect investment product. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including subscription request information, or an MHT. E-mail application for indirect investment product to pursue stable investment return through surrogate investment in customer's assets To produce the preferred.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 230 generates an indirect investment product application electronic document of the image file format or a predetermined document file format, and the indirect investment Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the product application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 235 transmits and stores the indirect investment product application electronic document generated by the electronic document generation unit 230 to a predetermined electronic document repository associated with the indirect investment product subscription system. It is done.

As shown in FIG. 2, the electronic document repository is connected to the indirect investment product subscription server 100 on the indirect investment product subscription system 100 through a predetermined communication means and the electronic document server 250 and the electronic document D /. When provided externally, including B 270, the electronic document transmission unit 235 transmits the indirect investment product application electronic document generated by the electronic document generation unit 230 through the communication means. Characterized in that the transmission to the server (250).

Here, when the electronic document server 250 and the electronic document D / B 270 is provided outside the indirect investment product subscription system, the electronic document server 250 and the electronic document D / B 270 It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the indirect investment product subscription system, the electronic document transmitting unit 235 is generated by the electronic document generating unit 230. The indirect investment product application electronic document may be stored in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS provided in the indirect investment product subscription system, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the electronic document transmission unit 235 is electronic document related information (for example, indirect investment corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 250 Information on the financial institution that transmits the indirect investment product application electronic document, or the electronic document file format information, or the indirect investment product subscription application information, etc.) It is possible that the present invention is not limited thereby.

Referring to FIG. 2, the indirect investment product subscription server 100 receives the indirect investment product subscription application information received through the information receiving unit 215 through the validity checking unit 225, and acts as a surrogate investment for the asset of the customer. When the validity for the pursuit of stable investment return is certified through the customer information, the financial product subscription information (fund subscription information), and the customer account information included in the indirect investment product subscription application information validated An information generation unit 240 for generating predetermined financial product operation information corresponding to an indirect investment product, the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer And a financial account processing unit 245 for opening and processing a financial account of the customer's name including the financial product operation information based on the account information. It features.

When the validity of the indirect investment product subscription application information is confirmed by the validity confirmation unit 225, the information generation unit 240 includes customer information included in the indirect investment product subscription application information and financial product subscription information ( Fund subscription information) and predetermined financial instrument operation information corresponding to the indirect investment product based on the customer account information.

According to an embodiment of the present invention, if the indirect investment product is at least one fund-related product, the information generator 240 includes customer information included in the indirect investment product subscription information and financial product subscription information (fund subscription). Information) and beneficiary certificate information corresponding to the indirect investment product (eg, a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period, etc.) corresponding to the fund. It is preferable.

According to another exemplary embodiment of the present invention, if the indirect investment product is at least one deposit / saving product, the information generator 240 may include customer information included in the indirect investment product subscription information and financial product subscription information ( Fund subscription information) and deposit information (or deposit information) corresponding to the indirect investment product based on the customer account information (e.g., account number corresponding to a given deposit / storage and interest (or interest rate corresponding to the deposit / storage) It is desirable to create a deposit (or savings) attribute, etc.) that includes a

The financial account processing unit 245 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 275 (or checks the customer ledger that is matched with the customer information and is provided. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the indirect investment product subscription application information. Characterized by opening a predetermined financial account for the pursuit of a stable return on investment through surrogate investment in the customer's assets.

When the indirect investment product subscription server 100 and the financial system 275 exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 245 may be led by linking with the financial system 275. It is preferable to generate a predetermined ledger in the D / B 280 including the financial product operation information.

According to another exemplary embodiment of the present invention, when the indirect investment product subscription server 100 and the financial system 275 exist on another system connected through a predetermined communication means, the financial account processing unit 245 is predetermined. Requesting a ledger D / B 280 on the other financial system 275 to generate a predetermined ledger containing the financial instrument operation information through an external system on the financial system 275 through a communication means of desirable.

Referring to FIG. 2, a predetermined indirect investment product application electronic document is received from the indirect investment product subscription server 100 provided on the indirect investment product subscription system, and stored in a predetermined electronic document D / B 270. The managing electronic document server 250 includes an electronic document receiving unit 255 for receiving a predetermined indirect investment product application electronic document from the indirect investment product subscription server 100 through a predetermined communication means, and the received indirect investment. An information generation unit 260 for generating predetermined electronic document management information for storing and managing a product application electronic document in the electronic document D / B 270; and the electronic document management information and the indirect investment product application electronic document. The electronic document storage unit 265 is stored in a predetermined electronic document D / B (270) by the linkage processing.

The electronic document receiving unit 255 may receive an indirect investment product application electronic document in the form of an image file or a document file from the indirect investment product subscription server 100 through the communication means.

According to the exemplary embodiment of the present invention, the indirect investment product application electronic document received by the electronic document receiving unit 255 through the communication means is received by the indirect investment product subscription server 100 from the terminal device 200. It is preferable that the image file including the image content is included as it is.

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 255 through the communication means is the indirect investment in the image content received by the indirect investment product subscription server 100 from the terminal device 200. Including image files corresponding to image contents including customer information included in the product subscription application information, financial product subscription information (fund subscription information), and at least one or more information of the customer account information in a watermarking manner; It is preferable to make.

According to another exemplary embodiment of the present invention, the indirect investment product application electronic document received by the electronic document receiving unit 255 through the communication means is received by the indirect investment product subscription server 100 from the terminal device 200. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 255 through the communication means may include the indirect investment product on the image content received by the indirect investment product subscription server 100 from the terminal device 200. A predetermined document file including image information including customer information included in the subscription application information, financial product subscription information (fund subscription information), and at least one or more of customer account information in a watermarking manner ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another embodiment of the present invention, the indirect investment product subscription electronic document received by the electronic document receiving unit 255 through the communication means is the indirect investment product subscription server 100 from the terminal device 200 At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the received image content and the indirect investment product subscription application information. Word processor files, or web document files containing MHT).

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 255 through the communication means may include the indirect investment product on the image content received by the indirect investment product subscription server 100 from the terminal device 200. Image contents including at least one of customer information included in the subscription application information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner, and the indirect investment product subscription information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

The information generating unit 260 is a predetermined electronic document unique number (or unique information) to be assigned to the indirect investment product application electronic document received through the electronic document receiving unit 255, and through the electronic document receiving unit 255 And generating electronic document management information including electronic document storage date and time information including a date and time at which the indirect investment product application electronic document was received (or a date and time at which the indirect investment product application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 260 refers to the indirect investment product subscription server 100 that has transmitted the indirect investment product application electronic document received through the electronic document receiving unit 255. It is preferable to identify the financial institution that has sent the indirect investment product application electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 255 further receives a predetermined electronic document related information from the indirect investment product subscription server 100, the information generating unit 260 is Received electronic document-related information (for example, customer information for preparing an indirect investment product application corresponding to the image content, financial institution information for transmitting the indirect investment product application electronic document, or electronic document file format information, or the indirect) It is preferable to generate electronic document management information further including investment product subscription application information.

The electronic document storage unit 265 associates an indirect investment product application electronic document received through the electronic document receiving unit 255 with electronic document management information generated through the information generating unit 260 to process a predetermined electronic document. It is characterized in that the storage in the D / B (270).

According to the exemplary embodiment of the present invention, the indirect investment product application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is the indirect investment product subscription server 100 of the terminal device. It is preferable that the image file including the image content received from the (200) is included as it is.

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may be received by the indirect investment product subscription server 100 from the terminal device 200. Corresponding to the image content including water information including at least one of customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in the image content. It is preferable to include an image file.

According to another embodiment of the present invention, the indirect investment product application electronic document that the electronic document storage unit 265 stores in the electronic document D / B 270 is the indirect investment product subscription server 100 is the terminal A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the apparatus 200. , Or a web document file including MHT).

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is an image received by the indirect investment product subscription server 100 from the terminal device 200. The contents include customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and image content including at least one or more information of customer account information in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to another embodiment of the present invention, the indirect investment product application electronic document that the electronic document storage unit 265 stores in the electronic document D / B 270 is the indirect investment product subscription server 100 A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the image content received from the terminal device 200 and the indirect investment product subscription application information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is an image received by the indirect investment product subscription server 100 from the terminal device 200. Image content and the indirect information that includes at least one or more information of the customer information, financial product subscription information (fund subscription information), and customer account information included in the indirect investment product subscription application information in the content in a watermarking method. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC), or the like, including MTF application information; Web document files, etc.) to be included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by processing the electronic document storage unit 265 in association with the indirect investment product application electronic document is the indirect investment product. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the request electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by processing the electronic document storage unit 265 in association with the indirect investment product application electronic document is the indirect investment. Preferably, the indirect investment product subscription electronic document, which has been identified with reference to the indirect investment product subscription server 100 that transmits the product application electronic document, is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the indirect investment product subscription server 100, the electronic document storage unit 265 is associated with the indirect investment product application electronic document. The electronic document management information that is processed and stored in the electronic document D / B 270 may include the received electronic document related information (for example, customer information for which an indirect investment product application form corresponding to the image content is prepared or the indirect investment product). Financial institution information, electronic document file format information, or the indirect investment product subscription application information, etc.) for transmitting the application electronic document.

3A and 3B illustrate an indirect investment product subscription process for pursuing a stable return on investment through surrogate investment in a customer's assets in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal terminal of the terminal device 200 on the indirect investment product subscription system shown in the drawings at a financial institution branch (or branch), and the indirect investment product subscription server 100. ) Has a ledger server (not shown) function on the financial system 275 linked to the counter terminal through a predetermined financial network, a predetermined customer seeks a stable return on investment through proxy investment on the customer's assets. In order to sign up for an indirect investment product for the customer, the indirect investment product application form including at least one customer information, financial product subscription information (fund subscription information), and customer account information is submitted, the indirect investment at the financial institution A system configuration for subscribing to an indirect investment product in a face-to-face manner based on a product application form. After completing the product application form and submitting it to the window, the window terminal acquires the predetermined image content corresponding to the indirect investment product application through a predetermined image acquisition device and transmits it to the indirect investment product subscription server 100. When the indirect investment product subscription application information corresponding to the indirect investment product application form is input (or selected) and transmitted to the indirect investment product subscription server 100, the indirect investment product subscription server 100 and the customer information; The implementation method of subscribing to the indirect investment product based on the indirect investment product subscription application information including at least one financial product subscription information (fund subscription information) and customer account information.

Those skilled in the art to which the present invention pertains, refer to or modify the drawings 3a and 3b to register the indirect investment product subscription application information to the indirect investment product subscription server 100 in the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, the implementation method illustrated in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the indirect investment product application form and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the indirect investment product application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the indirect investment product subscription application information corresponding to the indirect investment product application form is illustrated as being provided from the indirect investment product subscription server 100, but the predetermined number of the counter terminals is provided. When the information registration program is provided, the user interface may not be provided from the indirect investment product subscription server 100, and the present invention is not limited thereto.

In the following Figures 3a and 3b, the teller terminal shown in the figures s is referred to as "terminal" for convenience, and the indirect investment product subscription server 100 shown in the figure s is referred to as "server" for convenience.

Referring to FIGS. 3A and 3B, at least one customer information, financial product subscription information (fund subscription information), and customer account information are provided by a predetermined customer in order to pursue a stable return on investment through a surrogate investment in the customer's assets. When the indirect investment product application form is prepared and submitted, the window terminal shown in the drawings s accesses the server through a predetermined financial network and connects a predetermined communication channel to the customer corresponding to the indirect investment product application. When requesting a user interface for seeking a stable return on investment through a surrogate investment in the asset of (300), the server corresponding to the indirect investment product application made by the customer through a predetermined image acquisition device in response to the request; Generate (or extract) a user interface for obtaining and transmitting predetermined image content to the server; 305) and transmits the generated (or extracted) user interface to the terminal through the financial network (310).

Thereafter, the terminal acquires image content corresponding to the indirect investment product application through a predetermined image acquisition device based on the user interface (315).

If image content corresponding to the indirect investment product application is acquired through the image acquisition device (320), the terminal transmits the obtained image content to the server through the financial network (325).

Thereafter, the server inputs customer information corresponding to the indirect investment product application matching the image content, financial product subscription information (fund subscription information), and indirect investment product subscription application information including at least one customer account information. The user interface is generated (or extracted) for transmission to the server (or selected) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (335).

Thereafter, the terminal inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the user interface (340). ).

If indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information is input (or selected) through the user interface (345), the terminal In step 350, the indirect investment product subscription request information is input to the server through the financial network.

Thereafter, the server receives and reads the indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the financial network. The validity of the product subscription request information is checked (355).

According to the implementation method of the present invention, the validity of the indirect investment product subscription application information is indirect investment product subscription application information to the ledger D / B (280) on the financial system 275 associated with the indirect investment product subscription system It is preferable to include a check whether at least one or more ledger information is matched with.

If the validity of the indirect investment product subscription application information is not authenticated (360), the server generates predetermined financial product error information and transmits it to the terminal (365), and corresponds to the indirect investment product subscription application information. Do not perform indirect investment product signup process.

On the other hand, if the validity of the indirect investment product subscription application information is verified (360), the server generates a predetermined indirect investment product application electronic document including the image content (370).

According to an embodiment of the present invention, the server is stable through the surrogate investment on the assets of the customer as it is the image file containing the image content received from the terminal device 200 through the image receiving unit 220 It is advisable to treat it as an electronic document applying for indirect investment products to pursue ROI.

Alternatively, the server may include customer information included in the indirect investment product subscription application information received through the information receiver 215 on the image content received from the terminal device 200 through the image receiver 220, and the financial information. Pursuing stable investment return through surrogate investment in customer's assets with image files corresponding to image contents including product subscription information (fund subscription information) and at least one of customer account information by watermarking method It is desirable to create an electronic document for applying for indirect investment products.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 200 through the image receiving unit 220. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate electronic documents for application for indirect investment products to pursue ROI.

Alternatively, the server may include customer information included in the indirect investment product subscription application information received through the information receiver 215 on the image content received from the terminal device 200 through the image receiver 220, and the financial information. Generate image content including a product subscription information (fund subscription information) and at least one information of customer account information by watermarking, and a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). It is desirable to generate electronic documents for applying for indirect investment products to pursue a stable return on investment through proxy investment.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 200 through the image receiving unit 220 and the indirect investment product subscription request received through the information receiving unit 215. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc.), it is preferable to generate an indirect investment product application electronic document for a stable return on investment through surrogate investment in the customer's assets.

Alternatively, the server may include customer information included in the indirect investment product subscription application information received through the information receiver 215 on the image content received from the terminal device 200 through the image receiver 220, and the financial information. Generating image content including a product subscription information (fund subscription information) and at least one or more information of customer account information by a watermarking method, and including the generated image content and the indirect investment product subscription information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating an indirect investment product application electronic document for a stable return on investment through surrogate investment in the client's assets. It is preferred.

Those skilled in the art to which the present invention pertains can include technical features for generating an indirect investment product application electronic document in an image file format or a predetermined document file format, and correspond to the indirect investment product application electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated indirect investment product application electronic document in a predetermined electronic document storage (375).

As shown in the drawings, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 associated with a server on the indirect investment product subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated indirect investment product application electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the indirect investment product subscription system, the server sends the generated indirect investment product application electronic document on the DBMS provided in the indirect investment product subscription system. It is possible to store in the electronic document D / B 270 corresponding to the storage, by which the present invention is not limited.

According to the implementation method of the present invention, storing the indirect investment product application electronic document in the electronic document storage, as shown in the drawings by integrating the generated indirect investment product application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the indirect investment product application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the indirect investment product application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing an indirect investment product application corresponding to the image content, financial institution information for transmitting the indirect investment product application electronic document, or electronic document). File format information, or the indirect investment product subscription application information).

If the indirect investment product application electronic document is stored in the electronic document repository (380), the server includes customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer account. Based on the information, predetermined financial product management information corresponding to the indirect investment product is generated (385).

According to an embodiment of the present invention, if the indirect investment product is at least one fund-related product, the server includes customer information included in the indirect investment product subscription information, financial product subscription information (fund subscription information), and a customer. Based on the account information, it is preferable to generate beneficiary certificate information corresponding to the indirect investment product (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another embodiment of the present invention, if the indirect investment product is at least one deposit / saving product, the server may include customer information included in the indirect investment product subscription information, financial product subscription information (fund subscription information), and the like. Deposit information (or deposit information) corresponding to the indirect investment product based on the customer account information (for example, an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

Thereafter, the server operates the financial product based on the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in connection with the financial system 275. A financial account under the customer's name containing the information is opened (390).

According to the method of the present invention, the server is connected to the financial system 275 to generate a customer ledger including the customer information included in the financial account opening application information (or matched with the customer information is provided with Confirming the customer ledger), generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby applying for the indirect investment product subscription. In response to the information, a predetermined financial account for the stable return on investment is pursued through surrogate investment in the customer's assets.

According to an embodiment of the present invention, when the server and the financial system 275 exist in the same system, the server is connected to the financial system 275 in the ledger D / B 280 to manage the financial product operation information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 275 exist on another system connected through a predetermined communication means, the server is connected to the financial system 275 through a predetermined communication means. It is preferable to request the general ledger D / B 280 on the other financial system 275 to generate a predetermined account ledger including the financial product operation information through the external system.

Thereafter, the server generates predetermined financial product registration details information (for example, details of opening a financial account corresponding to the indirect investment product, or storing the indirect investment product application electronic document in the electronic document repository) ( Or extract and transmit to the terminal (395).

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the indirect investment product subscription system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

4A and 4B illustrate an indirect investment product subscription process for pursuing a stable return on investment through surrogate investment in a customer's asset in a face-to-face manner according to another exemplary embodiment of the present invention.

4A and 4B show the terminal terminal 200 of the indirect investment product subscription system shown in the drawings at the financial institution branch (or branch), and the indirect investment product subscription server 100. ) Has a ledger server (not shown) function on the financial system 275 linked to the counter terminal through a predetermined financial network, a predetermined customer seeks a stable return on investment through proxy investment on the customer's assets. In order to sign up for an indirect investment product for the customer, the indirect investment product application form that includes at least one customer information, financial product subscription information (fund subscription information), and customer account information is submitted, the financial institution the indirect A system configuration for subscribing to an indirect investment product in a face-to-face manner based on an investment product application. Specifically, the indirect investment by the customer After completing the product application form and submitting it to the counter, the counter terminal inputs (or selects) the indirect investment product subscription application information corresponding to the indirect investment product application form and transmits it to the indirect investment product subscription server 100. Obtaining predetermined image content corresponding to the indirect investment product application through a predetermined image acquisition device and transmitting the predetermined image content to the indirect investment product subscription server 100, the customer information and the indirect investment product subscription server 100, The implementation method of subscribing to the indirect investment product based on the indirect investment product subscription application information including at least one financial product subscription information (fund subscription information) and customer account information.

Those skilled in the art to which the present invention pertains, refer to or modify the drawings 4a and 4b to register the indirect investment product subscription application information to the indirect investment product subscription server 100 in the window terminal. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 4A and 4B.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the indirect investment product application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. The present invention is not limited by this.

In addition, in the implementation method illustrated in FIGS. 4A and 4B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the indirect investment product application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the indirect investment product subscription application information corresponding to the indirect investment product application form is illustrated as being provided from the indirect investment product subscription server 100, but the predetermined number of the counter terminals is provided. When the information registration program is provided, the user interface may not be provided from the indirect investment product subscription server 100, and the present invention is not limited thereto.

In the following Figures 4a and 4b, the window terminal shown in Fig. S is referred to as " terminal " for convenience, and the indirect investment product subscription server 100 shown in Fig. S is referred to as " server " for convenience. The customer information, the financial product subscription information (fund subscription information), and the customer account information transmitted from the terminal to the indirect investment product subscription server 100 are referred to as "indirect investment product subscription application information" for convenience.

Referring to FIGS. 4A and 4B, at least one customer information, financial product subscription information (fund subscription information), and customer account information are provided by a predetermined customer in order to pursue a stable return on investment through a surrogate investment in the customer's assets. When the indirect investment product application form is created and submitted, the window terminal shown in the drawing s may be connected to the server through a predetermined financial network to connect the server with a predetermined communication channel, corresponding to the indirect investment product application. When requesting a user interface for seeking a stable return on investment through surrogate investment in the customer's assets (400), the server corresponding to the customer information corresponding to the indirect investment product application prepared by the customer and financial product subscription information ( Fund subscription information) and indirect investment product subscription application information including at least one client account information (or Generating a user interface for transmission to the server group (or extract), and 405, and outputs through the financial network transmitting the generated user interface (or extract) to the mobile station 410. The

Thereafter, the terminal inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the user interface (415). ).

If indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information is input (or selected) through the user interface (420), the terminal In step 425, the indirect investment product subscription application information is input to the server through the financial network.

Thereafter, the server receives and reads the indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the financial network. Check the validity of the product subscription application information (430).

If the validity of the indirect investment product subscription application information is not authenticated (435), the server generates predetermined financial product error information and transmits it to the terminal (440), corresponding to the indirect investment product subscription application information Do not perform indirect investment product signup process.

On the other hand, if the validity of the indirect investment product subscription application information is authenticated (435), the server acquires the predetermined image content corresponding to the indirect investment product application written by the customer through the predetermined image acquisition device in the terminal, A user interface for transmitting to a server is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the indirect investment product application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the indirect investment product application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the indirect investment product subscription request information and image content from the terminal generates a predetermined indirect investment product application electronic document including the image content (470).

Alternatively, the server may include customer information included in the indirect investment product subscription application information received through the information receiver 215 on the image content received from the terminal device 200 through the image receiver 220, and the financial information. Generating image content including a product subscription information (fund subscription information) and at least one or more information of customer account information by a watermarking method, and including the generated image content and the indirect investment product subscription information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating an indirect investment product application electronic document for a stable return on investment through surrogate investment in the client's assets. It is preferable.

Thereafter, the server stores the generated indirect investment product application electronic document in a predetermined electronic document storage (475).

As shown in the drawings, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 associated with a server on the indirect investment product subscription system through predetermined communication means. In the case of being provided outside, the server transmits the generated indirect investment product application electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270). Do.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the indirect investment product application electronic document.

If the indirect investment product application electronic document is stored in the electronic document repository (480), the server includes customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer account. Based on the information, predetermined financial product operation information corresponding to the indirect investment product is generated (485).

Thereafter, the server operates the financial product based on the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in connection with the financial system 275. A financial account under the customer's name including information is opened (490).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 275 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial product operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby obtaining the indirect investment product subscription information; Corresponding to the opening of a predetermined financial account for pursuing a stable return on investment through surrogate investment in the customer's assets.

Thereafter, the server generates predetermined financial product registration details information (for example, details of opening a financial account corresponding to the indirect investment product, or storing the indirect investment product application electronic document in the electronic document repository) ( Or extract) and transmit it to the terminal (495).

In more detail, Figures 5a and 5b is a window terminal provided in the terminal (or branch) of the financial institution branch (200) on the indirect investment product subscription system shown in the drawings, the indirect investment product subscription server 100 ) Has a ledger server (not shown) function on the financial system 275 linked to the counter terminal through a predetermined financial network, a predetermined customer seeks a stable return on investment through proxy investment on the customer's assets. In order to sign up for an indirect investment product for the customer, the indirect investment product application form including at least one customer information, financial product subscription information (fund subscription information), and customer account information is submitted, the indirect investment at the financial institution A system configuration for subscribing to an indirect investment product in a face-to-face manner based on a product application form. After completing the product application form and submitting it to the counter, the counter terminal acquires predetermined image contents corresponding to the indirect investment product application through a predetermined image acquisition device, and subscribes to the indirect investment product corresponding to the indirect investment product application. After inputting (or selecting) application information, the image content and the indirect investment product subscription application information are transmitted to the indirect indirect investment product subscription server 100, and the customer may be transferred from the indirect investment product subscription server 100. The implementation method for subscribing to the indirect investment product based on the indirect investment product subscription application information including information, financial product subscription information (fund subscription information), and customer account information is shown.

Those skilled in the art to which the present invention pertains, refer to or modify the drawings 5a and 5b to register the indirect investment product subscription application information to the indirect investment product subscription server 100 in the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, the implementation method illustrated in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the indirect investment product application form and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the method illustrated in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the indirect investment product application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the indirect investment product subscription application information corresponding to the indirect investment product application form is illustrated as being provided from the indirect investment product subscription server 100, but the predetermined number of the counter terminals is provided. When the information registration program is provided, the user interface may not be provided from the indirect investment product subscription server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in the figures s is referred to as a "terminal" for convenience, and the indirect investment product subscription server 100 shown in the drawing s is referred to as a "server" for convenience, and the window The customer information, the financial product subscription information (fund subscription information), and the customer account information transmitted from the terminal to the indirect investment product subscription server 100 are referred to as "indirect investment product subscription application information" for convenience.

Referring to FIGS. 5A and 5B, at least one customer information, financial product subscription information (fund subscription information), and customer account information are provided by a predetermined customer in order to pursue a stable return on investment through a surrogate investment in the customer's assets. When the indirect investment product application form is prepared and submitted, the window terminal shown in the drawings s accesses the server through a predetermined financial network and connects a predetermined communication channel to the customer corresponding to the indirect investment product application. When requesting a user interface for a stable return on investment through proxy investment of the asset (500), the server in response to the indirect investment product subscription application information corresponding to the indirect investment product application prepared by the customer in the terminal A predetermined interest corresponding to the indirect investment product application through input (or selection) and through a predetermined image acquisition device; A user interface for obtaining and transmitting unknown content to the server is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (510).

Thereafter, the terminal inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the user interface (515). ).

If the indirect investment product subscription application information including at least one of the customer information, the financial product subscription information (fund subscription information), and the customer account information is input (or selected) through the user interface (520), the terminal In operation 525, the image content corresponding to the indirect investment product application is acquired through a predetermined image acquisition device based on the user interface.

If image content corresponding to the indirect investment product application is obtained through the image acquisition device (530), the terminal transmits the indirect investment product subscription application information and image content to the server through the financial network (535). ).

Thereafter, the server receives and reads the indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the financial network. Check the validity of the subscription application information (540).

If the validity of the indirect investment product subscription application information is not authenticated (545), the server generates predetermined financial product error information and transmits it to the terminal (550), corresponding to the indirect investment product subscription application information. Do not perform the indirect investment product registration process.

On the other hand, if the validity of the indirect investment product subscription application information is authenticated (545), the server generates a predetermined indirect investment product application electronic document including the image content (555).

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 200 through the image receiving unit 220. Or an EDI (Electronic Data Interchange) file, a word processor file containing at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate electronic documents for applying for indirect investment products to pursue a stable return on investment.

Thereafter, the server stores the generated indirect investment product application electronic document in a predetermined electronic document storage (560).

If the indirect investment product application electronic document is stored in the electronic document repository (565), the server includes customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer account. Based on the information, predetermined financial product management information corresponding to the indirect investment product is generated (570).

Thereafter, the server operates the financial product based on the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in connection with the financial system 275. A financial account under the customer's name containing the information is opened (575).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 275 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial product operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby obtaining the indirect investment product subscription information; Corresponding to the opening of a predetermined financial account for pursuing a stable return on investment through surrogate investment in the customer's assets.

Thereafter, the server generates predetermined financial product registration details information (for example, details of opening a financial account corresponding to the indirect investment product, or storing the indirect investment product application electronic document in the electronic document repository) ( Or extract) and transmit it to the terminal (580).

6 is a diagram illustrating a non-face-to-face indirect investment product subscription system for a stable return on investment through surrogate investment in a customer's assets according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates an indirect investment product subscription application in which a given customer includes at least one of predetermined customer information, financial product subscription information (fund subscription information), and customer account information through a predetermined financial product subscription interface. When the information is provided to the financial product (or fund subscription institution), the financial product (or fund subscription institution) seeks a stable return on investment through proxy investment in the client's assets based on the indirect investment product subscription application information. The present invention relates to a system configuration for subscribing to an indirect investment product, and opening a predetermined financial account for managing the indirect investment product. Those skilled in the art may refer to FIG. Indirect investment product subscription system for stable investment return through surrogate investment in customer's assets Would be able to infer a variety of exemplary methods for the configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, indirect investment product subscription system omitting the implementation method of storing the indirect investment product application electronic document in the electronic document repository by referring to or modifying the drawing 6. The configuration may be inferred, and the DBMS in which the electronic document repository is located in the indirect investment product subscription system, in addition to the implementation method shown in FIG. 6, may be stored even when the indirect investment product application electronic document is stored in the electronic document repository. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 6, the indirect investment product application electronic document is illustrated as being generated on the server side on the indirect investment product subscription system, but the present invention is not limited thereto. The indirect investment product application electronic document may be generated on the terminal side which inputs (or selects) the indirect investment product subscription application information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generating an indirect investment product application electronic document), by which the present invention is not limited.

Hereinafter, the client receives the indirect investment product subscription application information from the customer through a predetermined financial product subscription interface on the indirect investment product subscription system shown in FIG. 6, and allows the customer to subscribe to the indirect investment product. A component corresponding to at least one or more means or functional configuration for generating a predetermined indirect investment product application electronic document and storing it in a predetermined electronic document storage is referred to as "indirect investment product subscription server 103" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an indirect investment product subscription system for stable investment return through surrogate investment in the customer's assets includes at least one wired terminal or wireless terminal used by the customer. And a terminal device 600 including at least one client terminal or the like, wherein the terminal device 600 is an indirect investment product provided on the indirect investment product subscription system through a predetermined network means. A communication channel is connected to the subscription server 103.

According to an embodiment of the present invention, the customer accesses the indirect investment product subscription server 103 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, If the indirect investment product subscription server 103 inputs (or selects) indirect investment product subscription application information for pursuing a stable return on investment through surrogate investment in the asset of the customer through at least one user interface provided by the indirect investment product subscription server 103, The client terminal preferably transmits through the predetermined network means to the indirect investment product subscription server 103 provided on the indirect investment product subscription system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 600 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer connected to the TCP / IP based communication network or At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device 600 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Do7nlink Packet Access (HSDPA)), or an IEEE 802.16x-based portable device. A generic term for all terminal devices 600 connected to the Internet, or all terminal devices 600 connected to an IEEE 802.11x-based wireless LAN, and includes a personal communication system connected to the CDMA-based (or HSDPA-based) mobile communication network; PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It comprises a terminal such as seonraen at least one are preferred.

In addition, the indirect investment product subscription server 103 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a telebanking server, or a TV banking server according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for information registration.

In addition, the network means for connecting the client terminal and the indirect investment product subscription server 103 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet according to the type of wireless communication network connected to the client terminal. Or, it is preferable that any one of the IEEE 802.11x-based wireless LAN, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the indirect investment product subscription server 103, and inputs or selects at least one information through the user interface to the indirect investment product subscription server 103. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the indirect investment product subscription server 103, etc.) for transmission to the network is provided.

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

In the indirect investment product subscription system as described above, a client terminal including at least one or more wired terminals or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the indirect investment product subscription server 103. The communication network or the wireless communication network functions as a financial product subscription interface for registering the indirect investment product subscription application information for the customer to pursue a stable return on investment through surrogate investment in the customer's assets.

According to another exemplary embodiment of the present invention, the terminal device 600 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include a financial automation device (not shown) including a cash dispenser (CD), or may be connected to a wired telephone network such as a Public S7itched Telephone Net7ork (PSTN) network or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or at least affiliated with the financial institution Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the indirect investment product subscription system as described above, when the terminal device 600 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the indirect investment The financial network connecting the product subscription server 103 performs a function of the financial product subscription interface for registering the indirect investment product subscription application information for the customer to pursue a stable return on investment through the proxy investment of the customer's assets, Or, if the terminal device 600 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the indirect investment product subscription server 103 or The wireless telephone network allows the customer to register indirect investment product subscription application information in order to pursue a stable return on investment through surrogate investment in the customer's assets. The terminal (or server) (not shown) that performs a function of a financial product subscription interface or is provided in an institution affiliated with the financial institution that is the terminal device 600 (not shown). And a network connecting the terminal (or server) (not shown) and the indirect investment product subscription server 103 to apply for indirect investment product subscription for the customer to pursue a stable return on investment through proxy investment of the customer's assets. It functions as a financial product subscription interface for registering information.

According to an embodiment of the present invention, when the terminal device 600 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the indirect investment product subscription server 103 is A predetermined server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server accessible to the external system of the financial system 275 through the Internet banking system ( Or device), a program included in the server (or device), or a server (or an external device on the financial system 275 accessible through the Internet banking server (or the server (or device)). Device) or a program included in the external system on the financial system 275, and thus the present invention provides Not determined

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the indirect investment product subscription server 103 is the wireless terminal. A predetermined server (or device) that is a predetermined wireless banking server provided on a banking system, a program included in the wireless banking server, or accessible to the external system of the financial system 275 through the wireless banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system 275 accessible through the wireless banking server (or the server (or device)). Or, it may be a program provided in the external system on the financial system 275, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the indirect investment product subscription server 103 is connected to the telebank. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, a program included in the telebanking server, or a bank of the financial system 275 through the telebanking system. A predetermined server (or device) accessible to the outside world, a program included in the server (or device), or on the financial system 275 accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided in the external system, or a program provided in the external system on the financial system 275, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the indirect investment product subscription server 103 may be A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or accessible to the external system of the financial system 275 through the TV banking system). Device), a program provided in the server (or device), or a server (or device provided in an external system on the financial system 275 accessible through the TV banking server (or the server (or device)). Or a program included in the external system on the financial system 275, and the present invention is not limited thereto.

According to an embodiment of the present invention, the indirect investment product subscription server 103 is provided with an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device 600 through the network means. It is done.

According to an exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 may include a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an Internet banking program) provided by the indirect investment product subscription server 103, the interface unit 605 may be configured based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the indirect investment product subscription server 103, the interface unit 605 may be configured to execute the client based on the CDMA 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 exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 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. do.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, the indirect investment product subscription server 103 connects a predetermined communication channel with the indirect investment product subscription server 103 through the interface unit 605. In order to pursue a stable return on investment through the surrogate investment of the customer's assets, the terminal device 600 inputs (or selects) predetermined indirect investment product subscription application information and transmits it to the indirect investment product subscription server 103. An interface providing unit 610 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device 600 in association with the interface unit 605; When the terminal device 600 inputs (or selects) the indirect investment product subscription application information through the user interface and transmits the information, the terminal device 600 associates with the interface unit 605. Provided with a terminal unit over the information receiving unit 615 for receiving the indirect investment product subscription information sent from the 600 characterized in that formed.

The interface provider 610 connects a predetermined communication channel with the indirect investment product subscription server 103 through the interface unit 605, and then the indirect investment product subscription server 103. When requesting a user interface for seeking a stable return on investment through surrogate investment on the customer's assets, the terminal 600 inputs (or selects) predetermined indirect investment product subscription application information to the network means. Generate at least one user interface to be transmitted to the indirect investment product subscription server 103 through, or extract from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 605 The user interface may be provided to the terminal device 600 through the network means.

According to an embodiment of the present invention, when the terminal device 600 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 is provided with a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser program provided in the client 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 client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 605. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

According to another exemplary embodiment of the present invention, at least one of inputting (or selecting) predetermined indirect investment product subscription application information to the terminal device 600 and transmitting it to the indirect investment product subscription server 103 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined indirect investment product subscription application information as described above and transmitting the predetermined indirect investment product subscription application information to the indirect investment product subscription server 103 is provided. The interface providing unit 610 which is generated (or extracted) and provided to the terminal device 600 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 600 inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the user interface. And transmits the input (or selected) indirect investment product subscription application information to the indirect investment product subscription server 103 through the network means, and correspondingly, the information receiving unit 615 is connected to the interface unit ( In operation 605, the indirect investment product subscription request information transmitted from the terminal device 600 may be received.

According to the exemplary embodiment of the present invention, the terminal device 600 may indirectly invest the indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time pass generator (OTP) generator for checking the validity of the indirect investment product subscription application information in the product subscription server 103. It is preferable to transmit to the indirect investment product subscription server 103 via the network means.

According to an embodiment of the present invention, the terminal device 600 may include at least one or more indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information. Encrypt using an encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or a predetermined electronic signature in the indirect investment product subscription information. It is preferable to attach to the indirect investment product subscription server 103 via the network means, for this purpose, the terminal device 600 has at least one encryption key corresponding to the encryption scheme, or at least Have a predetermined public certificate that includes one or more encryption keys, or the public certificate Is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for confirming the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the indirect investment product subscription application information, and a technique of attaching a predetermined electronic signature to the indirect investment product subscription application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Referring to FIG. 6, the indirect investment product subscription server 103 receives the indirect investment product subscription application information transmitted from the terminal device 600 through the information receiver 615, and receives the received indirect investment product. The subscription application information is characterized in that it is provided with a validity verification unit 625 for confirming that the satisfactory validity for the pursuit of a stable return on investment through the surrogate investment on the customer's assets.

According to an embodiment of the present invention, the indirect investment product subscription information is at least one encryption method (for example, a symmetric key based encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). When the data is encrypted by the at least one decryption method (for example, symmetric key based decryption method or public key based information) corresponding to the encryption method, the validity confirming unit 625 may encrypt the encrypted indirect investment product subscription request information. It is preferable to authenticate the validity of the received indirect investment product subscription application information by decryption using a decryption method, an electronic envelope-based decryption method, or a key exchange-based decryption method.

Alternatively, when a predetermined electronic signature is attached to the indirect investment product subscription application information, the validity verification unit 625 confirms the electronic signature attached to the indirect investment product subscription application information, thereby joining the received indirect investment product subscription. It is desirable to certify the validity of the application information.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted indirect investment product subscription application information and the electronic signature attached to the indirect investment product subscription application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the indirect investment product subscription application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the indirect investment product subscription application information, the validity The verification unit 625 compares and authenticates the password included in the indirect investment product subscription application information and the password provided corresponding to the customer on the DBMS, thereby verifying the received indirect investment product subscription information. It is desirable to authenticate validity.

Alternatively, when the indirect investment product subscription application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the indirect investment product subscription application information, the validity checking unit ( 625) compares and authenticates the security card information included in the indirect investment product subscription application information and the security card information provided corresponding to the customer on the DBMS, thereby validating the received indirect investment product subscription information. It is desirable to authenticate.

Alternatively, when the indirect investment product subscription application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the indirect investment product subscription application information, the validity checking unit 625. ) Compares and authenticates the received OTP code included in the indirect investment product subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received indirect investment. It is desirable to verify the validity of the product subscription information.

Referring to FIG. 6, when the validity of the indirect investment product subscription application information is authenticated through the validity checking unit 625, the indirect investment product subscription server 103 includes the received indirect investment product subscription application information. An electronic document generation unit 630 for generating a predetermined indirect investment product application electronic document, and an electronic document transmission unit for transmitting the generated indirect investment product application electronic document to an electronic document repository associated with the indirect investment product subscription system; 635 is provided.

The electronic document generating unit 630 generates an indirect investment product application electronic document including the indirect investment product subscription application information received from the terminal device 600 through the information receiving unit 615.

According to the exemplary embodiment of the present invention, the electronic document generator 630 includes customer information included in the indirect investment product subscription application information received through the information receiver 615 and financial product subscription information (fund subscription information). And generating document content including at least one customer account information, and including a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the document content. Or a word processor file including at least one or a web document file including an MHT), etc., as an indirect investment product application electronic document for a stable return on investment through surrogate investment in the client's assets.

Alternatively, the electronic document generator 630 may include at least customer information included in the indirect investment product subscription application information received through the information receiver 615, financial product subscription information (fund subscription information), and customer account information. Generate document content including one or more, and watermark at least one or more of the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in the document content. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. A word processor file, or a web document file containing MHT, etc.) to pursue a stable return on investment through proxy investment of the client's assets. Be treated as a ground of investment products apply electronic documents is desirable.

Alternatively, the electronic document generator 630 may include at least customer information included in the indirect investment product subscription application information received through the information receiver 615, financial product subscription information (fund subscription information), and customer account information. Representation of the client's asset in generating an image content including at least one document content, and an image file including image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory). It is desirable to process the indirect investment product application electronic document in order to pursue a stable return on investment through investment.

Alternatively, the electronic document generator 630 may include at least customer information included in the indirect investment product subscription application information received through the information receiver 615, financial product subscription information (fund subscription information), and customer account information. Customer information included in the indirect investment product subscription application information is generated in the document content including one or more, and the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. And a watermarking method including at least one of financial product subscription information (fund subscription information) and customer account information, and then including an image file including the watermarking image content. It is desirable to process the indirect investment product application electronic document to pursue a stable return on investment through proxy investment.

According to another exemplary embodiment of the present invention, the electronic document generator 630 may include customer information included in the indirect investment product subscription application information received through the information receiver 615 and financial product subscription information (fund subscription information). A predetermined amount of document content including at least one customer account information, and image content (eg, image content generated by capturing the document content on a memory). By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the indirect investment product application electronic document for a stable return on investment through surrogate investment in the client's assets.

Alternatively, the electronic document generator 630 may include at least customer information included in the indirect investment product subscription application information received through the information receiver 615, financial product subscription information (fund subscription information), and customer account information. Customer information included in the indirect investment product subscription application information is generated in the document content including one or more, and the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. And a document file including image information including at least one of financial product subscription information (fund subscription information) and at least one of customer account information by a watermarking method, and including image content including the watermarking. (Eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, or at least one or more including HWP / DOC) By generating a word processor file, or a web document file including the MHT), it is desirable to process the indirect investment product application electronic document for a stable return on investment through surrogate investment in the customer's assets.

According to another exemplary embodiment of the present invention, the electronic document generator 630 may include customer information included in the indirect investment product subscription application information received through the information receiver 615 and financial product subscription information (fund subscription). Information) and at least one document content including customer account information, and image content (eg, image content generated by capturing the document content on a memory) and the indirect investment. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the product subscription request information, or an MHT Application for indirect investment products for stable investment return through surrogate investment in the client's assets Advice is preferred to process each other.

Alternatively, the electronic document generator 630 may include at least customer information included in the indirect investment product subscription application information received through the information receiver 615, financial product subscription information (fund subscription information), and customer account information. A customer that includes one or more document contents, and includes image contents (eg, image contents generated by capturing the document contents on a memory) in the indirect investment product subscription application information. Generating image content including at least one of information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner, and the image content including the watermarking and the indirect investment. Document file containing the product subscription request information (e.g., Portable Document Format (PDF) file, or Electronic Data Interchange (EDI) file, or H) By creating a word processor file including at least one WP / DOC, or a web document file including MHT), an indirect investment product application electronic document for a stable return on investment through proxy investment of the customer's assets It is preferable to treat with.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 630 generates an indirect investment product application electronic document of the image file format or a predetermined document file format, and the indirect investment Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the product application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 635 transmits and stores the indirect investment product application electronic document generated by the electronic document generation unit 630 to a predetermined electronic document repository associated with the indirect investment product subscription system. It is done.

As shown in FIG. 6, the electronic document repository is connected to the indirect investment product subscription server 103 on the indirect investment product subscription system 103 through a predetermined communication means and the electronic document server 650 and the electronic document D /. When provided externally, including B 670, the electronic document transmission unit 635 transmits the indirect investment product application electronic document generated by the electronic document generation unit 630 through the communication means. Characterized in that the transmission to the server (650).

Here, when the electronic document server 650 and the electronic document D / B 670 is provided outside the indirect investment product subscription system, the electronic document server 650 and the electronic document D / B 670 It is advisable to maintain the authority in a recognized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the indirect investment product subscription system, the electronic document transmitting unit 635 is generated by the electronic document generating unit 630. The indirect investment product application electronic document may be stored in the electronic document D / B 670 corresponding to the electronic document storage on the DBMS provided in the indirect investment product subscription system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 635 transmits electronic document related information (eg, the indirect investment product subscription application information) to generate predetermined electronic document management information in the electronic document server 650. The electronic document repository further including customer information inputted (selected), financial institution information transmitting the indirect investment product application electronic document, electronic document file format information, or the indirect investment product subscription application information, and the like. It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 6, the indirect investment product subscription server 103 is an indirect investment product subscription application information received through the information receiving unit 615 through the validity confirming unit 625 for the proxy investment of the customer's assets. When the validity for the pursuit of a stable investment return is certified through the customer information, the financial product subscription information (fund subscription information) and the customer account information included in the indirect investment product subscription application information is validated An information generation unit 640 for generating predetermined financial product operation information corresponding to an indirect investment product, the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer And a financial account processing unit 645 for opening and processing a financial account under the customer's name including the financial product operation information based on the account information. It characterized.

When the validity of the indirect investment product subscription application information is confirmed by the validity confirmation unit 625, the information generation unit 640 may include customer information included in the indirect investment product subscription application information and financial product subscription information ( Fund subscription information) and predetermined financial instrument operation information corresponding to the indirect investment product based on the customer account information.

According to an embodiment of the present invention, if the indirect investment product is at least one fund-related product, the information generator 640 may include customer information included in the indirect investment product subscription information and financial product subscription information (fund subscription). Information) and beneficiary certificate information corresponding to the indirect investment product (eg, a beneficiary certificate attribute including a predetermined security number and an expected return rate and subscription period, etc.) corresponding to the fund. It is preferable.

According to another exemplary embodiment of the present invention, if the indirect investment product is at least one deposit / saving product, the information generator 640 may include customer information included in the indirect investment product subscription information and financial product subscription information ( Fund subscription information) and deposit information (or deposit information) corresponding to the indirect investment product based on the customer account information (e.g., account number corresponding to a given deposit / storage and interest corresponding to the deposit / storage (or interest rate) It is desirable to create a deposit (or savings) attribute, etc.) that includes a) and a subscription period.

The financial account processing unit 645 generates a customer ledger including customer information included in the financial account establishment application information in connection with the financial system 275 (or matches a customer ledger provided with the customer information. And generate predetermined account ledger information including the financial product operation information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the indirect investment product subscription application information. By opening a predetermined financial account for pursuing a stable return on investment through surrogate investment in the customer's assets.

When the indirect investment product subscription server 103 and the financial system 275 exist in the same system according to an exemplary embodiment of the present invention, the financial account processor 645 may be led by linking with the financial system 275. It is preferable to generate a predetermined ledger in the D / B 280 including the financial product operation information.

According to another exemplary embodiment of the present invention, when the indirect investment product subscription server 103 and the financial system 275 exist on another system connected through a predetermined communication means, the financial account processing unit 645 is predetermined. Requesting a ledger D / B 280 on the other financial system 275 to generate a predetermined ledger containing the financial instrument operation information through an external system on the financial system 275 through a communication means of desirable.

Referring to FIG. 6, a predetermined indirect investment product application electronic document is received from the indirect investment product subscription server 103 provided on the indirect investment product subscription system, and stored in a predetermined electronic document D / B 670. The managing electronic document server 650 includes an electronic document receiving unit 655 which receives a predetermined indirect investment product application electronic document from the indirect investment product subscription server 103 through a predetermined communication means, and the received indirect investment. An information generation unit 660 for generating predetermined electronic document management information for storing and managing a product application electronic document in the electronic document D / B 670; and the electronic document management information and the indirect investment product application electronic document. The electronic document storage unit 665 is stored in a predetermined electronic document D / B 670 by linkage processing.

The electronic document receiving unit 655 may receive an indirect investment product application electronic document in the form of an image file or a document file from the indirect investment product subscription server 103 through the communication means.

According to the exemplary embodiment of the present invention, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is received by the indirect investment product subscription server 103 from the terminal device 600. A document file (eg, a Portable Document Format (PDF) file) containing document information including customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and at least one customer account information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is based on the indirect investment product subscription application information received by the indirect investment product subscription server 103 from the terminal device 600. Customer information included in the indirect investment product subscription application information and document information including at least one customer information, financial product subscription information (fund subscription information), and customer account information, and financial product subscription information (fund subscription) Information) and at least one of the customer account information by a watermarking method, and then a document file (for example, a PDF (Portable Document Format) file or EDI (Document Document) file containing document content including the watermarking). Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). From being bait it is preferred.

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is based on the indirect investment product subscription application information received by the indirect investment product subscription server 103 from the terminal device 600. Image content that captures document content including at least one customer information, financial product subscription information (fund subscription information), and customer account information (eg, an image generated by capturing the document content on a memory). It is preferable to include an image file containing the content).

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is based on the indirect investment product subscription application information received by the indirect investment product subscription server 103 from the terminal device 600. Image content that captures document content including at least one customer information, financial product subscription information (fund subscription information), and customer account information (eg, an image generated by capturing the document content on a memory). Contents) includes at least one of customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner, and then the watermarking. It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is received by the indirect investment product subscription server 103 from the terminal device 600. Image content (eg, the document content) that captures document information including at least one customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information. To a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) including an image content generated by capturing the image on a memory. And a document file or a web document file including MHT).

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is based on the indirect investment product subscription application information received by the indirect investment product subscription server 103 from the terminal device 600. Image content that captures document content including at least one customer information, financial product subscription information (fund subscription information), and customer account information (eg, an image generated by capturing the document content on a memory). Generate image content including at least one of customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner. And a document file (eg, a Portable Document Format (PDF) file or an EDI (Electro) file containing the image content including the watermarking). nic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the indirect investment product application electronic document that the electronic document receiving unit 655 receives through the communication means is the indirect investment product subscription server 103 from the terminal device 600 Image content that captures document information including customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and at least one customer account information (e.g., the A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including document content generated by capturing document content on a memory and the indirect investment product subscription information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the indirect investment product application electronic document received by the electronic document receiving unit 655 through the communication means is based on the indirect investment product subscription application information received by the indirect investment product subscription server 103 from the terminal device 600. Image content that captures document content including at least one customer information, financial product subscription information (fund subscription information), and customer account information (eg, an image generated by capturing the document content on a memory). Generate image content including at least one of customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner. And a document file (eg, PDF (Po) containing the image content including the watermarking and the indirect investment product subscription application information. or a rtable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 660 is a predetermined electronic document unique number (or unique information) to be assigned to the indirect investment product application electronic document received through the electronic document receiving unit 655, and through the electronic document receiving unit 655 And generating electronic document management information including electronic document storage date and time information including a date and time at which the indirect investment product application electronic document was received (or a date and time at which the indirect investment product application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 660 refers to the indirect investment product subscription server 103 that has transmitted the indirect investment product application electronic document received through the electronic document receiving unit 655. It is preferable to identify the financial institution that has sent the indirect investment product application electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 655 further receives a predetermined electronic document related information from the indirect investment product subscription server 103, the information generating unit 660 is Customer information transmitted by inputting (selecting) the indirect investment product subscription application information, or financial institution information transmitting the indirect investment product application electronic document, or electronic document file format information; or It is preferable to generate the electronic document management information further comprising the indirect investment product subscription application information, etc.).

The electronic document storage unit 665 associates an indirect investment product application electronic document received through the electronic document receiving unit 655 with electronic document management information generated through the information generation unit 660 to process a predetermined electronic document. It is characterized in that the storage in the D / B (670).

According to the exemplary embodiment of the present invention, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is the indirect investment product subscription server 103 by the terminal device. Document files (eg, PDF) including document information including customer information included in indirect investment product subscription application information received from 600, financial product subscription information (fund subscription information), and customer account information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 may be indirectly received by the indirect investment product subscription server 103 from the terminal device 600. Customer information included in the indirect investment product subscription application information in document content including customer information included in the investment product subscription application information, financial product subscription information (fund subscription information), and customer account information; After including the product subscription information (fund subscription information), and at least one or more information of the customer account information by the watermarking method, a document file (for example, PDF (Portable Document Format) containing the document content including the watermarking; File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT). Be formed is preferred.

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 may be indirectly received by the indirect investment product subscription server 103 from the terminal device 600. Image content (eg, the document content) which captures document information including customer information included in the investment product subscription request information, financial product subscription information (fund subscription information), and at least one customer account information. It is preferably made to include an image file (including image content generated by capturing on).

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 may be indirectly received by the indirect investment product subscription server 103 from the terminal device 600. Image content (eg, the document content) which captures document information including customer information included in the investment product subscription request information, financial product subscription information (fund subscription information), and at least one customer account information. Watermarking at least one or more of the customer information included in the indirect investment product subscription application information, the financial product subscription information (fund subscription information), and the customer account information in the image contents captured and generated on the image content). After including in a manner, it is preferable that the watermarking comprises an image file including the image content.

According to another exemplary embodiment of the present invention, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is the indirect investment product subscription server 103 by the terminal. Image content capturing document content including customer information included in the indirect investment product subscription application information received from the device 600, financial product subscription information (fund subscription information), and customer account information. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). And at least one word processor file or web document file including MHT).

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 may be indirectly received by the indirect investment product subscription server 103 from the terminal device 600. Image content (e.g., the document content is captured) which captures document information including customer information included in the investment product subscription application information, financial product subscription information (fund subscription information), and at least one customer account information. Image information captured on the image), the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and at least one or more information of the customer account information by watermarking (Watermarking) method A document file (eg, a PDF (Portable Document Format) file, or EDI (Elec) that generates an image content including an image content and includes the image content including the watermarking) is generated. tronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 is the indirect investment product subscription server 103. Image capturing document content including customer information included in the indirect investment product subscription application information received from the terminal device 600, financial product subscription information (fund subscription information), and customer account information. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing content (e.g., image content generated by capturing the document content on a memory) and the indirect investment product subscription information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the indirect investment product application electronic document stored in the electronic document D / B 670 by the electronic document storage unit 665 may be indirectly received by the indirect investment product subscription server 103 from the terminal device 600. Image content (eg, the document content) which captures document information including customer information included in the investment product subscription request information, financial product subscription information (fund subscription information), and at least one customer account information. Image information captured on the image), the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and at least one or more information of the customer account information by watermarking (Watermarking) method A document file (for example, PDF) that includes an image content including the watermarking and the indirect investment product subscription information; A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 670 by the electronic document storage unit 665 in association with the indirect investment product application electronic document is stored in the indirect investment product. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the applied electronic document and the electronic document storage date and time.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 670 by processing the electronic document storage unit 665 in association with the indirect investment product application electronic document is the indirect investment. Preferably, the indirect investment product subscription electronic document, which has been transmitted with reference to the indirect investment product subscription server 103 that transmits the product application electronic document, further includes financial institution information.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the indirect investment product subscription server 103, the electronic document storage unit 665 is associated with the indirect investment product application electronic document. Electronic document management information that is processed and stored in the electronic document D / B 670 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the indirect investment product subscription application information) or the Financial institution information for transmitting the indirect investment product application electronic document, or electronic document file format information, or the indirect investment product subscription application information).

7A and 7B illustrate an indirect investment product subscription process for a stable return on investment through surrogate investment in a customer's asset in a non-face to face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B show that the terminal device 600 on the indirect investment product subscription system shown in the drawings is a client terminal, and the indirect investment product subscription server 103 is a client terminal through a predetermined network means. In the case of having this accessible web server function, the customer information and financial products are provided through the client terminal in order for a predetermined customer to subscribe to an indirect investment product for a stable return on investment through surrogate investment in the customer's assets. If the indirect investment product subscription application information including subscription information (fund subscription information) and at least one customer account information is provided, the customer information, financial product subscription information (fund subscription information) and the indirect investment product subscription system are provided. Based on the indirect investment product subscription application information, which includes at least one customer account information, As an implementation method for the subscription processing of the indirect investment product for the pursuit of a stable return on investment through a surrogate investment in the acid, those skilled in the art to which the present invention belongs, refer to the drawings 7a and 7b. Alternatively, the present invention may infer various implementation methods for registering the indirect investment product subscription application information from the client terminal to the indirect investment product subscription server 103, but the present invention includes all the inferred implementation methods, It is not limited to the embodiment shown in Figs. 7A and 7B.

For example, the method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the indirect investment product subscription application information and storing the electronic document in an electronic document repository. It may be omitted according to, and the present invention is not limited thereby.

7A and 7B, the indirect investment product subscription server 103 provides a user interface for the client terminal to input (or select) the indirect investment product subscription application information. Although illustrated as being provided through a page, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the indirect investment product subscription server 103, whereby the present invention It is not limited.

Hereinafter, in FIG. 7A and FIG. 7B, the client terminal shown in FIG. S is referred to as "terminal" for convenience, and the indirect investment product subscription server 103 shown in FIG. S is called "server" for convenience, and the client The customer information, the financial product subscription information (fund subscription information), and the customer account information transmitted from the terminal to the indirect investment product subscription server 103 are referred to as "indirect investment product subscription application information" for convenience.

Referring to FIGS. 7A and 7B, when the client terminal illustrated in the drawings is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal), Connect to the server through CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc. to connect a predetermined communication channel and invest in the customer's assets When requesting a web page including a user interface for seeking a stable return on investment (700), the server corresponding to at least one of the customer information, financial product subscription information (fund subscription information), and customer account information And a user interface for inputting (or selecting) indirect investment product subscription application information including the above and transmitting the same to the server. Generating a page (or extract), and 705, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 710. The

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

Thereafter, the terminal inputs (or selects) at least one or more customer information, financial product subscription information (fund subscription information), and indirect investment product subscription application information including customer account information through a user interface included in the web page. (715).

If the terminal inputs (or selects) the customer information, the financial product subscription information (fund subscription information), and the indirect investment product subscription application information including the customer account information through the user interface (720), the terminal The client transmits the input (or selected) customer information, financial product subscription information (fund subscription information), and customer account information to the server through the communication channel (725).

According to an embodiment of the present invention, the terminal includes the customer information, financial product subscription information (fund subscription information), and indirect investment product subscription application information including at least one customer account information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time pass generator (OTP) generator for checking the validity of the subscription application information is transmitted to the server through the network means. It is desirable to.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) or by attaching a predetermined electronic signature to the indirect investment product subscription information. It is preferable to transmit to the server via a network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, Or when the authorized certificate is provided on a predetermined IC chip (or IC card) It is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In case, the card reader for checking the official certificate provided in the IC chip (or IC card) is It is preferred to be provided.

Thereafter, the server receives and reads the customer information, the financial product subscription information (fund subscription information), and the customer account information through the communication channel to confirm the validity of the indirect investment product subscription application information (730). .

According to an embodiment of the present invention, the indirect investment product subscription information is at least one encryption method (for example, a symmetric key based encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). And the like, the server may include the at least one decryption method (eg, symmetric key-based decryption method, public key-based decryption method, or electronic envelope) corresponding to the encryption method. Based decryption method, or key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received indirect investment product subscription application information.

Alternatively, when a predetermined electronic signature is attached to the indirect investment product subscription application information, the server checks the electronic signature attached to the indirect investment product subscription application information, thereby validating the received indirect investment product subscription application information. It is desirable to authenticate.

When the indirect investment product subscription application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the indirect investment product subscription application information, the server It is preferable to authenticate the validity of the received indirect investment product subscription application information by comparing and authenticating the password received included in the indirect investment product subscription application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the indirect investment product subscription application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the indirect investment product subscription application information, the server indirectly receives the indirect investment product subscription application information. It is preferable to authenticate the validity of the received indirect investment product subscription application information by comparing and authenticating the received security card information included in the investment product subscription information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the indirect investment product subscription application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the indirect investment product subscription application information, the server makes the indirect investment. By comparing and authenticating the received OTP code included in the product subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received indirect investment product subscription application information It is desirable to authenticate validity.

If the validity of the indirect investment product subscription application information is not authenticated (735), the server generates a web page including predetermined financial product error information and transmits it to the terminal (740). Do not perform the procedure.

On the other hand, if the validity of the indirect investment product subscription application information is authenticated (735), the server includes at least one or more customer information including the indirect investment product subscription application information, financial product subscription information (fund subscription information), and the customer Generate predetermined document content including the account information (745), and generate a predetermined indirect investment product application electronic document including the document content (750).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, financial product subscription information (fund subscription information), and customer account information included in the received indirect investment product subscription application information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. It is preferable to process the web document file, etc.) as an indirect investment product application electronic document for a stable return on investment through surrogate investment in the customer's assets.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. The watermarking method includes at least one of customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the document content, or a web document including the MHT. File, etc.), as an indirect investment product application electronic document to pursue a stable return on investment through surrogate investment in the client's assets. It is desirable.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Applying for an indirect investment product for a stable return on investment through proxy investment on the client's assets with an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Customer information included in the indirect investment product subscription application information, image information captured by capturing the document content on the memory, and financial product subscription information (fund subscription information); After incorporating at least one or more information of the customer account information into a watermarking method, an indirect method for pursuing a stable return on investment through surrogate investment in an asset of the customer of an image file including the image content including the watermarking It is desirable to process the investment product electronic documents.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby making stable investment through proxy investment of the customer's assets. It is preferable to process the indirect investment product application electronic document for profit seeking.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Customer information included in the indirect investment product subscription application information, image information captured by capturing the document content on the memory, and financial product subscription information (fund subscription information); Generating image content including at least one or more information of the customer account information in a watermarking manner, and a document file (for example, a PDF (Portable Document Format) file, or EDI) containing the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or including the MHT By generating a web document file, etc.), it is desirable to process the indirect investment product application electronic document for a stable return on investment through surrogate investment in the customer's assets.

According to another exemplary embodiment of the present invention, the server includes at least one customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information. A predetermined document file (for example, an image content generated by capturing the document content, the image content generated by capturing the document content on a memory) and the indirect investment product subscription request information (eg , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the indirect investment product application electronic document to pursue a stable return on investment through proxy investment on the asset.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Customer information included in the indirect investment product subscription application information, image information captured by capturing the document content on the memory, and financial product subscription information (fund subscription information); A document file (eg, PDF) that generates image content including at least one or more information of customer account information by watermarking, and includes the watermarking image content and the indirect investment product subscription information. (Portable Document Format) files, EDI (Electronic Data Interchange) files, or at least one including HWP / DOC By creating a de processor files, or web files such as documents) that includes the MHT, it is preferable to invest through a surrogate for the assets of the customer treated as indirect investment products apply electronic documents for seeking stable investment returns.

Those skilled in the art to which the present invention pertains can include technical features that the server generates an indirect investment product application electronic document in an image file format or a predetermined document file format, and corresponds to the indirect investment product application electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated indirect investment product application electronic document in a predetermined electronic document storage (755).

As shown in the drawings, the electronic document repository includes a predetermined electronic document server 650 and an electronic document D / B 670 associated with a server on the indirect investment product subscription system through predetermined communication means. When provided externally, the server preferably transmits the generated indirect investment product application electronic document to the electronic document server 650 through the communication means to store in the electronic document D / B (670). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the indirect investment product subscription system, the server sends the generated indirect investment product application electronic document on the DBMS provided in the indirect investment product subscription system. It is possible to store in the electronic document D / B 670 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the indirect investment product application electronic document in the electronic document storage is shown in the drawings by integrating the generated indirect investment product application electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (670).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the indirect investment product application electronic document and the electronic document storage date and time information.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the indirect investment product subscription application information, or financial institution information transmitting the indirect investment product application electronic document, Or electronic document file format information, or the indirect investment product subscription application information).

If the indirect investment product application electronic document is stored in the electronic document repository (760), the server includes customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer account. Based on the information, predetermined financial product management information corresponding to the indirect investment product is generated (765).

According to one embodiment of the present invention, if the indirect investment product is at least one fund-related product, the server includes customer information included in the indirect investment product subscription information, financial product subscription information (fund subscription information), and a customer. Based on the account information, it is preferable to generate beneficiary certificate information corresponding to the indirect investment product (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another embodiment of the present invention, if the indirect investment product is at least one deposit / saving product, the server includes customer information included in the indirect investment product subscription information and financial product subscription information (fund subscription information). And deposit information (or savings information) corresponding to the indirect investment product (for example, an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period based on the customer account information. It is desirable to create a deposit (or deposit) attribute, etc., including the like.

Thereafter, the server operates the financial product based on the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in connection with the financial system 275. A financial account of the customer name including the information is opened (770).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 275 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial product operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby obtaining the indirect investment product subscription information; In response to the characterized in that the opening of a predetermined financial account for the pursuit of a stable return on investment through surrogate investment in the customer's assets.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the indirect investment product, or storing the indirect investment product application electronic document in the electronic document repository, or the storage). The details of storing the indirect investment product subscription application information in a medium) are generated (or extracted) and transmitted to the terminal (775).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on a financial system 275 provided on the indirect investment product subscription system (or associated with the indirect investment product subscription system). In this case, the storage medium may be a ledger D / B 280 provided in a DBMS on the financial system 275 or a predetermined database linked to the ledger D / B 280, thereby limiting the present invention. Not

8A, 8B, and 8C illustrate an indirect investment product subscription process for pursuing a stable return on investment through surrogate investment in a customer's asset according to one embodiment of the present invention.

In more detail, FIGS. 8A, 8B, and 8C illustrate the indirect investment product subscription system shown in FIG. 8 when the indirect investment product subscription system is realized through an Internet banking system in a non-face-to-face financial transaction channel (i.e., the indirect investment shown in FIG. 8). In the case where the indirect investment product subscription server 103 on the product subscription system is an internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet, etc.) and a predetermined customer. After performing the authentication process, the client terminal transmits predetermined indirect investment product subscription application information to the Internet banking server in order to subscribe to an indirect investment product for stable investment return through surrogate investment in the client's assets. In the Internet banking server, the customer information, financial product subscription information (fund subscription information), and customer account information In the technical field to which the present invention pertains to an implementation method for processing the subscription to the indirect investment product for the pursuit of a stable return on investment based on the indirect investment product subscription application information containing at least one. Those skilled in the art may refer to or modify the drawings 8a, 8b, and 8c to infer various implementation methods for registering the indirect investment product subscription application information through other types of non-face-to-face financial transaction channels. However, the present invention encompasses all the implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 8A, 8B, and 8C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 8A, 8B, and 8C, the browser Although a method of connecting an Internet banking-based financial transaction channel for registering indirect investment product subscription application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 8A, 8B, and 8C, the client terminal and the Internet are based on a predetermined internet banking program mounted on the client terminal. Banking server Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of indirect investment product subscription application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 8a, 8b and 8c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering indirect investment product subscription information, but the present invention provides the telebanking system. Or all types of non-face-to-face channel based financial transactions, including wireless banking systems or TV banking systems or future non-face-to-channel banking systems, the technical configuration of which is shown in FIGS. 8a and 8b and 8c. It is by no means limited to the case of Internet banking.

In addition, although the embodiment shown in FIGS. 8A, 8B, and 8C includes a process of generating the predetermined electronic document and storing it in the electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following FIGS. 8A, 8B, and 8C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the indirect investment product subscription server 103 is referred to as "server" for convenience.

8A and 8B and 8C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (800a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (805a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, (or extracted) and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is provided with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (825a), or if the terminal does not need to load or update the Internet banking security module (815a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (830a), which is referred to as a security channel for internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption scheme (or encryption algorithm). A communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the indirect investment product subscription application information in the terminal; When a predetermined digital signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and is also defined in the information (or data) to be provided to the server to register the indirect investment product subscription application information in the terminal Attach or at least one password If the encryption is transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (835a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (840a). In operation 845a, the server (or authentication server) authenticates a customer connected through the terminal as an internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking security channel for the terminal (855a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined indirect investment product subscription application information for pursuing a stable return on investment through surrogate investment in customer assets from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for seeking a stable return on investment through proxy investment of the customer's assets to the server through an internet banking-based financial transaction channel (800b), correspondingly The server includes a user interface for inputting (or selecting) the customer information, financial product subscription information (fund subscription information), and indirect investment product subscription application information including at least one customer account information and transmitting the same to the server. A web page is generated (or extracted) (805b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (810b).

According to an embodiment of the present invention, the web page inputs (or selects) indirect investment product subscription application information including at least one of customer information, financial product subscription information (fund subscription information), and customer account information in the terminal. It is preferable to include a user interface, or a predetermined password or security card information (e.g., in the process of applying for internet banking) to verify the validity of the Internet banking customer who requests to register the indirect investment product subscription application information. The security card information printed on the security card issued to the customer) or the OTP (One Time Pass7ord) (for example, the Internet banking application process (or after the banking application), an OTP authenticator (or OTP authentication program) provided to the customer by a financial institution. It will further include a user interface for entering a one-time password generated through) Is recommended.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the indirect investment product subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) indirect investment product subscription application information including at least one of the customer information, financial product subscription information (fund subscription information), and customer account information through the financial product subscription interface ( 815b).

If the terminal receives (or selects) the customer information, the financial product subscription information (fund subscription information), and the indirect investment product subscription application information including the customer account information through the user interface (820b), the terminal In operation 825b, the indirect investment product subscription application information input (or selected) through the financial transaction channel is transmitted to the server.

Thereafter, the server receives and reads the indirect investment product subscription application information through the financial transaction channel to confirm the validity of the indirect investment product subscription application information (830b).

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted indirect investment product subscription application information and the electronic signature attached to the indirect investment product subscription application information. Since it will be familiar with the technical features, detailed description thereof will be omitted for convenience.

In addition, the validation of the indirect investment product subscription application information is

It is preferable to include at least one.

If the validity of the indirect investment product subscription application information is not authenticated (835b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (840b), and the indirect investment product subscription Do not perform the procedure.

On the other hand, if the validity of the indirect investment product subscription application information is authenticated (835b), the server includes at least one or more customer information including the indirect investment product subscription application information, financial product subscription information (fund subscription information), and the customer Generate predetermined document content including account information (845b), and generate a predetermined indirect investment product application electronic document including the document content (850c).

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. The watermarking method includes at least one of customer information included in the indirect investment product subscription request information, financial product subscription information (fund subscription information), and customer account information in a watermarking manner. Document files containing the document content included (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more, such as HWP / DOC, or the Web including the MHT) Document files, etc.), as indirect investment product application electronic documents for stable investment return through surrogate investment in the above client's assets. It is desirable.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Image information (eg, image content generated by capturing the document content on a memory) and customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and the like. To include a watermarking method of at least one or more information of the customer account information, and to pursue a stable return on investment through the surrogate investment on the asset of the customer of the image file containing the image content including the watermarking It is preferable to process the indirect investment product application electronic document.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, financial product subscription information (fund subscription information), and customer account information included in the received indirect investment product subscription application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby making stable investment through proxy investment of the customer's assets. It is preferable to process the indirect investment product application electronic document for profit seeking.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Customer information included in the indirect investment product subscription application information, image information captured by capturing the document content on the memory, and financial product subscription information (fund subscription information); Generating image content including at least one or more information of the customer account information in a watermarking manner, and a document file (for example, a PDF (Portable Document Format) file, or EDI) containing the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or including an MHT By creating such a web document file), it is preferable to invest through a surrogate for the assets of the customer treated as indirect investment products apply electronic documents for seeking stable investment returns.

Alternatively, the server generates document content including at least one of customer information included in the received indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information, and the document content. Customer information included in the indirect investment product subscription application information, image information captured by capturing the document content on the memory, and financial product subscription information (fund subscription information); Create a document content including at least one or more information of the customer account information (Watermarking), and a document file containing the watermarking image content and the indirect investment product subscription application information (for example, PDF ( Warfare that includes at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. By generating a de-processor file, or a web document file including the MHT), it is preferable to process as an indirect investment product application electronic document for seeking a stable return on investment through proxy investment of the customer's assets.

Thereafter, the server stores the generated indirect investment product application electronic document in a predetermined electronic document storage (855c).

If the indirect investment product application electronic document is stored in the electronic document repository (860c), the server includes customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and a customer account. Based on the information, predetermined financial product operation information corresponding to the indirect investment product is generated (865c).

According to one embodiment of the present invention, if the indirect investment product is at least one fund-related product, the server includes customer information included in the indirect investment product subscription information, financial product subscription information (fund subscription information), It is preferable to generate beneficiary certificate information corresponding to the indirect investment product (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund) based on the customer account information.

According to another exemplary embodiment of the present invention, if the indirect investment product is at least one deposit / saving product, the server may include customer information included in the indirect investment product subscription information, financial product subscription information (fund subscription information), and the like. Deposit information (or deposit information) corresponding to the indirect investment product based on the customer account information (for example, an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc. It is preferable to create a deposit (or savings) attribute, including).

Thereafter, the server operates the financial product based on the customer information included in the indirect investment product subscription application information, financial product subscription information (fund subscription information), and customer account information in connection with the financial system 275. A financial account under the customer's name containing the information is opened (870c).

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the indirect investment product, or storing the indirect investment product application electronic document in the electronic document repository, or the storage). The history of storing the indirect investment product subscription application information in a medium) is generated (or extracted) and transmitted to the terminal (875c).

9 is a diagram illustrating an indirect investment product transaction processing system for pursuing a stable return on investment through surrogate investment in a customer's assets in accordance with an embodiment of the present invention.

In more detail, FIG. 9 operates the indirect investment product subscribed to through the indirect investment product subscription system shown in FIGS. 2 and 6 based on the beneficiary certificates provided in the financial system, from the seller terminal 900. The beneficiary certificate sale request information is received and stored in the storage medium 970 through the information storage unit 935 which is one of the components constituting the indirect investment product sale server 105 through the registration process, and then the storage A system configuration for achieving a stable return on investment through proxy investment on the customer's assets based on the information on the request for sale of beneficiary certificates stored in the medium (970), if one of ordinary skill in the art In the case of indirect investment product transaction processing to seek a stable return on investment through surrogate investment in the client's assets by referring to or modifying this drawing 9, Would be able to infer a variety of exemplary methods for the system, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 9.

For reference, the storage medium 970 provided on the indirect investment product transaction processing system according to the present invention includes the customer information and beneficiary certificate information included in the beneficiary certificate transaction request information provided from the seller terminal 900. And storing and storing the transaction approval information in a predetermined storage medium 970, wherein the indirect investment product transaction processing server is among the customers including the seller and the buyer who participated in the transaction of the indirect investment product. After confirming the conclusion of the contract for the trading of the indirect investment product, the indirect investment product sale server 105 includes a beneficiary certificate including the customer information, beneficiary certificate information, and sale approval information stored in the storage medium 970. Based on the transaction request information, the transaction amount information and the buyer account information are generated, and in the storage medium 970, the salvage ether information ㅣ = customer information and the number And securities information and the information of the marketing authorization sale price with the information and features to save an additional account information to the buyer.

The seller information includes the seller's personal information (for example, the customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), the seller's account information, etc. It is preferable to include at least one.

The buyer information includes manual information including the beneficiary certificate, personal information of a buyer participating in an indirect investment product trading transaction (for example, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the buyer, and the buyer. It is preferable to include at least one or more of the securities account information.

The beneficiary certificate information includes information related to beneficiary certificates related to the indirect investment products invested by customers involved in the sale and the information is the type of the beneficiary certificates, the certificate number of the beneficiary certificates, the investment of the beneficiary certificates It is generated through the processing of the indirect investment product trading server 105, including detailed information about the period, the agreement of the beneficiary certificates, and then stored in the storage medium 970, and then the sale price information is In addition to the buyer account information and beneficiary information, it is possible to confirm the trading contract for the indirect investment product.

The transaction approval information includes information for confirming that the customer corresponding to the seller who owns the indirect investment product has approved the sale of the beneficiary certificate, with respect to the beneficiary certificate information associated with the customer information and the beneficiary certificate information. The transaction approval information is generated by referring to the member ID information of the customer and the certificate number of the beneficiary certificate included in the beneficiary certificate information, and is stored in the storage medium 970.

The trading value information is the final of the indirect investment product determined between the customer including the seller and the buyer who participated in the trading transaction of the indirect investment product based on the customer information, the beneficiary certificate information, and the sale approval information. As the information on the selling price, the selling price information is generated through the process of the indirect investment product trading server 105, when the transaction price for the trading of the indirect investment product is determined to form a final selling price, And, the storage medium 970, and the amount of sale information thereafter characterized in that it is possible to identify the sales contract for the indirect investment product together with the buyer account information and beneficiary certificates information.

The buyer account information is characterized by consisting of account information in the name of the buyer associated with the sale of the indirect investment product, the buyer account information is an account to which the beneficiary certificates acquired by the buyer through the sale of the indirect investment product is transferred And an account for which the buyer includes two account information each having a role of an account for withdrawing beneficiary certificates for the sale of another indirect investment product, or for which the above-mentioned beneficiary certificates are transferred; It may consist of one account information that can integrally play the role of each account to be withdrawn.

Referring to FIG. 9 according to an embodiment of the present invention, the indirect investment product transaction processing system opens a beneficiary certificate corresponding to the indirect investment product subscribed to through the indirect investment product subscription system shown in FIGS. 2 and 6. A contract for signing a trading contract of an indirect investment product between the seller and the buyer in connection with the financial system, a storage medium 970 for storing the beneficiary certificate transaction request information, and the financial system and the Securities Depository. 940 (or a contract conclusion means), the transaction amount information generated by the indirect investment product sales server 105 after the sales contract for the beneficiary certificate is generated, and the buyer transaction information, the storage medium 970 The information storage unit 935 stored in the storage device, and the next day after the conclusion of the contract of sale of the indirect investment product is confirmed, the storage medium (97) Check the seller information, the buyer information, the beneficiary certificate information, and the trading amount information in connection with 0) to confirm the trading conditions for the indirect investment product, and whether the beneficiary beneficiary certificate to be transferred to the seller account exists; The contract confirmation unit 930 (or contract confirmation means) for confirming the existence of the transfer amount of the buyer account, the interface unit 915 for providing a user screen to the seller terminal 900, and the beneficiary certificate trading request An information transmitting unit 925 for transmitting information to the Securities Depository Server 120 and an information receiving unit for transmitting the beneficiary's beneficiary certificate transaction request information from the seller terminal 900 in association with the interface unit 915 ( 920, a financial product operating unit 905 for operating the indirect investment product based on the beneficiary certificate established through the indirect investment product subscription system, and the financial system. Operate the indirect investment product based on the beneficiary certificate in association with the financial system, and periodically check the beneficiary certificate sale request information stored in the storage medium 970 to perform proxy investment in the assets of the customer. Indirect investment product trading server 105 comprising at least one or more information confirmation unit 910 to achieve a stable return on investment is characterized in that made.

Here, the storage medium 970 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to be provided in all, by which the present invention is not limited.

In addition, the indirect investment product sale server 105 may be an indirect investment product sale server 105 on the indirect investment product subscription system shown in FIGS. 2 and 6, or the indirect investment products shown in FIGS. 2 and 6. The indirect investment product in connection with the investment product sales server 105, or may be a separate server that achieves a stable return on investment through the surrogate investment in the assets of the customer, whereby the present invention is not limited. .

In addition, in FIG. 9, the indirect investment product trading server 105 is configured to operate the indirect investment product based on the beneficiary certificate in connection with the financial system, and the beneficiary certificate stored in the storage medium 970. Although the purchase request information is periodically checked and illustrated including all of the functional configuration to achieve a stable return on investment through surrogate investment in the customer's assets, the present invention is not limited by this, the indirect investment product sales server It is apparent that 105 may be made through a separate server (or device) for each functional configuration.

The financial system is a general term for the computerized system in which the beneficiary certificates opened through the indirect investment product subscription system shown in FIGS. 2 and 6 are basically provided at branches (or branches) of the financial institution. It is characterized in that connected to at least one or more window terminals through a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service to at least one or more financial transaction customers through the window terminal.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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

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

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

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

Referring to FIG. 9, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components, such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

The storage medium 970, through the indirect investment product subscription system shown in Figures 2 and 6, the beneficiary securities trading request information including at least one of the customer information, beneficiary certificates information, and sales approval information As a generic term for storage means for storing, the storage medium 970 is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or at least according to the intention of the skilled person. It is all possible to be provided on one or more banking systems.

Referring to FIG. 9, the Securities Depository Server 120 is connected to the indirect investment product trading server 105 and the money transfer processing server 110 to directly invest products such as stocks or bonds according to the Securities and Exchange Act. Comprehensive management of securities in charge of intensive deposits of securities including indirect investment products, such as beneficiary certificates, ie intensive deposits of securities such as stock bonds held by institutional investors (including foreign investors) and individual investors ( To reduce the logistics costs or risks of loss due to physical movement by allowing the exercise of rights, such as issuance and settlement, instead of the real book), the transfer of securities between accounts, the transfer of securities name transfer agent and securities; It is characterized in that it deals with the lending brokerage, the agency related to the real shareholder's rights, the settlement of the stock market and the KOSDAQ stock market.

In addition, referring to Figure 9, the buyer-side financial system 115, in connection with the indirect investment product trading server 105, and the money transfer processing server 110, the buyer associated with the indirect investment product trading In the case of a buyer who uses a financial system of another financial institution (or a fund affiliate) rather than the seller's trading financial institution (or fund affiliate) related to the indirect investment product sale, When a financial institution (or a fund joining institution) participates in the indirect investment product sale through a financial common network, the buyer information and account information of the buyer necessary for transaction processing may be provided for the indirect investment product sale. .

Referring to FIG. 9, the indirect investment product sale server 105 may enter into a contract contracting unit 940 (or an agreement for buying and selling an indirect investment product between the seller and the buyer in association with the financial system and the Securities Depository). Contract execution means), information on storing the transaction value information generated by the indirect investment product sales server 105 and the buyer transaction information on the storage medium 970 after a sales contract for a beneficiary certificate is generated. The storage unit 935 confirms the next day of the conclusion of the sales contract of the indirect investment product and the next day of the conclusion of the contract, in connection with the storage medium 970, the seller information, the buyer information, the beneficiary certificate information, and the trading amount. Confirm the trading conditions for the indirect investment product by checking the information, and whether there is a beneficiary certificate to be transferred to the seller account, and the buyer Contract confirmation unit 930 (or contract confirmation means) for confirming the existence of the transfer amount for the left, the interface unit 915 for providing a user screen to the seller terminal 900, and the beneficiary certificate transaction request information An information transmitter 925 for transmitting to the Securities Depository Server 120, and an information receiver 920 for transmitting request information of a seller's beneficiary certificates from the seller terminal 900 in association with the interface unit 915. And a financial product operating unit 905 for operating the indirect investment product based on the beneficiary certificate established through an indirect investment product subscription system, and the beneficiary certificate based on the financial system in connection with the financial system. The indirect investment product is operated, and the beneficiary certificate trading request information stored in the storage medium 970 is periodically checked to secure investment through the agent's assets. By having an investment information confirmation unit 910, an indirect investment products, marketing server 105, which includes at least one of achieving revenue it is characterized in that formed.

The contract conclusion unit 940 is characterized in that during the trading transaction for a predetermined indirect investment product including a beneficiary certificate, the sales contract between the seller and the buyer for the indirect investment product in the predetermined contract conclusion means. .

The financial product operation unit 905 withdraws a predetermined amount corresponding to the investment amount information from a financial account corresponding to the customer account information included in the beneficiary certificate sale request information in connection with the financial system, It is characterized in that the deposit to the operating account, generates a financial product investment history corresponding to the deposit history and record in the ledger corresponding to the beneficiary certificates provided on the financial system.

According to an embodiment of the present invention, when the indirect investment product is an accumulation type, the financial product operation unit 905 periodically requests the beneficiary certificates for sale in association with the financial system (or at the time of accumulation of the indirect investment product). Withdraw a predetermined amount corresponding to the investment amount information from a financial account corresponding to the customer account information included in the information, deposit the amount of money corresponding to the investment amount information into a predetermined financial product management account, generate a financial product investment history corresponding to the deposit details, and Characterized in the ledger corresponding to the beneficiary certificates provided on the financial system.

In addition, the financial product management unit 905 includes the investment amount deposited into the financial product management account according to the policy of the financial product management institution corresponding to the indirect investment product, the financial product investment included in the beneficiary certificate transaction request information. It is preferable to invest in a target, generate a corresponding financial product investment history and record it in the ledger of a financial product operating account provided on the financial system or the investment amount corresponding to the investment amount.

In addition, the financial product management unit 905 checks whether a predetermined profit occurs in response to the financial product investment corresponding to the indirect investment product, and if the predetermined profit corresponding to the financial product investment occurs, the occurrence And calculating a predetermined profit rate corresponding to the received profit, and recording the calculated profit rate information in the ledger corresponding to the beneficiary certificates shown in FIGS. 2 and 6 in connection with the financial system.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

In addition, the financial product management unit 905 checks whether the expiration of the indirect investment product arrives in connection with the storage medium 970 (or the ledger corresponding to the beneficiary certificate on the financial system), and the expiration of the indirect investment product. When the arrival is confirmed, the investment amount corresponding to the indirect investment product and the profit generated in response to the financial product investment are withdrawn from the financial product management account and deposited into the customer account.

In addition, the indirect investment product trading server 105, the financial product management unit 905 in connection with the financial system to the indirect investment product in order to seek a stable return on investment through the surrogate investment in the customer's assets. During the operation of the corresponding financial product, the existence of the seller for the indirect investment product in association with the storage medium 970, the Securities Depository Server 120, and the buyer-side financial system 115, and If there is a seller, the seller is provided with an information confirmation unit 910 for confirming the existence of the buyer for the indirect investment products to sell.

The information checking unit 910 sells the indirect investment product in connection with the Securities Depository Server 120 and sells the indirect investment product with respect to the indirect investment product that is classified as a sale product on the Securities Depository Server 120 and registered as a trading object. The seller confirms the registered seller information, and checks the buyer's basic information and the buyer's account information together with the buyer applying for the purchase of the indirect investment product classified as the sale disposal target. At the same time the buyer confirms the buyer's financial institution (or fund membership), and if the buyer joins another financial institution (or fund membership), It is desirable to process the trading of the indirect investment product through linkage.

Referring to FIG. 9, the indirect investment product trading server 105 may include a financial institution (or another) in which the fund transfer processing server 110, the Securities Depository Server 120, and the buyer related to the indirect investment product trading are different. In the case of joining a fund subscription agency), in connection with the buyer's financial system 115, a predetermined seller terminal 900 through a predetermined communication network in order to pursue a stable return on investment through proxy investment of the client's assets. An interface unit 915 for connecting and managing a predetermined communication channel with the seller terminal 900, and transmitted from the seller terminal 900 and stored in the storage medium 970 by the information storage unit 935. Information transmitting unit 925 for transmitting the information to the Securities Depository Server 120, and in connection with the interface unit 915 transmits the beneficiary securities trading request information of the seller from the seller terminal 900 Provided with a beam receiving unit 920 is characterized in that formed.

According to an embodiment of the present invention, when the seller terminal 900 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 915 is the wired communication network or wireless. A communication interface for connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a communication network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable to provide.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 915 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the indirect investment product selling server 105, the interface unit 915 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the seller terminal 900 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 915 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 915 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the indirect investment product selling server 105, the interface unit 915 may be configured based on the CDMA 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 exemplary embodiment of the present invention, when the seller terminal 900 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 915 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 915 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the seller terminal 900 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 915 is a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the communication information, and use at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

The information transmitter 925 transmits the beneficiary certificate transaction request information stored in the storage medium 970 by the seller terminal 900 and stored in the storage medium 970 by the seller terminal 900 to sell the securities. The bank transfers to the depository server 120, the securities depository server 120 confirms and references the beneficiary securities transaction request information transmitted from the information transmitter 925, and then sells the revenue requested by the seller terminal 900. It is characterized by enabling the trading of securities.

The information receiving unit 920 transmits the seller's beneficiary certificate trading request information from the seller terminal 900 to the indirect investment product trading server 105 in association with the interface unit 915. The beneficiary certificate request information transmitted by the information receiving unit 920 to the indirect investment product selling server 105 is stored in the storage medium 970 through the information storing unit 935 and then the information transmitting unit 925. It is transmitted to the Securities Depository Server (120) through) to enable the sale and sale of the beneficiary certificates requested by the seller terminal 900 to be activated.

In addition, referring to Figure 9, the indirect investment product trading server 105, the financial product management unit 905 is associated with the financial system in order to seek a stable return on investment through the surrogate investment in the customer's assets. While operating a financial product corresponding to the indirect investment product, the storage medium 970, the fund transfer processing server 110, the Securities Depository Server 120, and the buyer associated with the indirect investment product trading When the user subscribes to another financial institution (or a fund subscription institution), the beneficiary securities transaction request information transmitted from the seller terminal 900 is stored in the storage medium 970 in association with the buyer's financial system 115. Next, after the sales contract for the beneficiary certificates is generated, the purchase price information and the buyer transaction information generated by the indirect investment product trading server 105 are further stored in the storage medium 970. The information storage unit 935 and the information confirmation unit 910 purchase the indirect investment product, that is, the beneficiary certificate sale request information for requesting the disposal of the beneficiary certificate, and the beneficiary certificate corresponding to the sale disposal. In the case of confirming the information of the buyer applying for the transaction, the principal value of the beneficiary certificate to be traded and the profit are calculated to calculate the beneficiary value information, and the actual transaction price applied to the transaction of the beneficiary certificate based on the beneficiary certificate value information. A securities transaction processing unit that calculates transaction value information including information about the transaction information; transaction amount information generated by the securities transaction processing unit; and the beneficiary certificate transaction request information included in the storage medium 970. Validation of the contract for the sale and sale of the beneficiary certificates in association with the stored beneficiary information and the buyer account information of the buyer Provided with a contract confirmation unit 930 to confirm whether such is characterized in that formed.

The information storage unit 935 stores the beneficiary certificate sale request information transmitted from the seller terminal 900 before the transaction occurs in the storage medium 970, and after the sale contract for the beneficiary certificate occurs, Trading value information generated by the securities trading processing unit included in the component unit constituting the indirect investment product trading server 105 and the information confirmation unit included in the component unit constituting the indirect investment product trading server 105. The buyer account information is further stored in the storage medium 970 while checking the buyer basic information of the buyer relating to the beneficiary security transaction, and the purchase price information stored in the storage medium 970 and the buyer account. The information is included in the component constituting the indirect investment product trading server 105, the contract confirmation unit 930 whether the contract for sale of the beneficiary security Characterized in that it is used as the base information that allows you to check.

The securities trading processing unit, the information confirming unit 910 included in the component constituting the indirect investment product trading server 105 is classified as a sale product on the Securities Depository Server 120 and registered as a trading object. When the seller confirms the information on the seller who registered the indirect investment product for the disposal of the indirect investment product and confirms the information on the buyer who applied for the purchase of the indirect investment product classified as the sale disposal, the transaction is subject to trading. The market value of the beneficiary certificates is calculated by calculating and calculating the principal of the beneficiary certificates and the proceeds generated by the beneficiary certificates at the time of the sale of the beneficiary certificates, in order to convert the value of the beneficiary certificates which are indirect investment products. And generating beneficiary certificate value information including the market value.

According to the method of the present invention, in the process of generating the beneficiary certificate value information for the indirect investment product trading processing, the securities trading processing unit,

After converting the market value, the beneficiary value information calculated by applying the discount rate according to the trading conditions may be applied as the final transaction price to be applied to the trading transaction.

The contract confirmation unit 930 is included in the transaction price information generated by the securities trading processing unit and the beneficiary certificate trading request information with respect to the transaction trading agreement, when the contract for the beneficiary security transaction trading is concluded. The beneficiary certificate transaction is concluded by linking the beneficiary certificate information stored in the storage medium 970 with the buyer's account information confirmed in connection with the buyer's basic information, and then checking whether the beneficiary certificate transaction is matched. And it is characterized by checking whether or not the validity of the trading transaction.

In addition, referring to Figure 9, the money transfer processing server 110, the beneficiary certificate transfer processing unit 950 in the proceeds to the beneficiary securities transaction sales ownership of the beneficiary certificate to the securities depository server 120 At the same time, the seller and the buyer close the trading account until the transfer of the financial institution (or the fund affiliate) for the transaction of the beneficiary securities. After the confirmation process of the account lock processing unit 955 and the transaction condition checking unit to prevent intention, i.e., a double transaction, if the money transfer date confirming unit confirms the business start date, the Securities Depository Server 120 Request ownership transfer to the beneficiary certificate and confirm the transfer of ownership, and withdraw the target beneficiary certificate from the seller account The beneficiary certificate transfer processing unit 950 which transfers the transaction amount for the beneficiary certificate from the buyer account and transfers the transaction amount to the seller account, and a transaction operation fee incurred in the beneficiary transaction transaction. It is characterized in that it comprises a fund settlement unit 945 to settle the seller and bill the buyer.

The account lock processing unit 955, the beneficiary certificate transfer processing unit 950, after confirming the approval of the beneficiary securities trading transaction of the trading condition confirmation unit to the securities depository of the securities depository to perform the transaction of the beneficiary securities; When the ownership transfer request is requested, the account lock processing unit 955 confirming the request for ownership transfer, transfers the ownership of the beneficiary certificate by the Securities Depository, and then transfers the ownership transfer to the beneficiary certificate transfer processing unit 950. The seller or the buyer, or the seller and the buyer for the time required to close the transaction account of the seller and the buyer until the securities depository handles the transfer of ownership of the beneficiary certificate until the confirmation information is transmitted. Any other unintended intention other than the above mentioned beneficiary transaction intention that may arise under the agreement of the buyer, To prevent fraudulent intent, such as the trading of features.

In addition, when the account lock processing unit 955 is an account created and managed by a financial institution (or a fund joining institution) different from the seller, the account lock processing unit 955 may be configured as the other financial institution ( Or in connection with the buyer-side financial system 115 that manages the fund subscription institution, closing the buyer's trading account.

The beneficiary certificate transfer processing unit 950 is connected with the seller condition information related to the beneficiary certificate trading transaction, that is, the existence of the beneficiary securities for sale on the seller account and the securities number of the beneficiary certificate. Satisfying both a condition regarding matching between the customer ID and the seller information, whether a transaction amount exists for the purchase of the beneficiary certificate on the buyer account information, and a condition regarding matching between the buyer information and the buyer account information. If it is determined that the securities depository is requested to transfer the ownership of the beneficiary, and when the ownership transfer execution confirmation information is transmitted from the securities depository, by checking the information and withdraw the target beneficiary securities from the seller account to the Transfer to the buyer's account, and the transaction amount for the beneficiary certificate from the buyer's account The output is characterized in that transfer the transaction amount to the sellers account.

The fund settlement unit 945 calculates trading amount information for the proceeding of the beneficiary certificate trading transaction at the time when the trading transaction of the beneficiary certificate is terminated, and in some cases, the buyer account information through linkage with the buyer's financial server After confirming, the transaction management fee generated in the process of transferring the ownership of the beneficiary securities of the seller side to the buyer to the Securities Depository Server 120, and then bills the seller and the buyer.

In more detail, in FIG. 10, a seller terminal 900 provided in a terminal device financial institution (or a fund subsidiary) on the indirect investment product transaction processing system and the indirect investment product sale server 105 are connected to each other through a predetermined communication network. The indirect investment product sale server 105, the fund transfer date and time confirmation unit, and the Securities Depository Server 120 are connected through a financial common network, the indirect investment product sale server 105, and the In the case where a storage medium 970, the money transfer processing server 110, and the financial system are provided in connection with each other, when a sale of a beneficiary security held by a predetermined seller is requested, the indirect investment product trading server 105 Check the seller's selling request, process the information corresponding to the request through a predetermined processing procedure, store the information in the storage medium 970, and then generate a buyer for the beneficiary certificate. , The stock is a depository server system according to the buyer financial side 120, a case 115, and, in this connection the financial system showing a method of processing a contract of the income securities trading.

If those skilled in the art to which the present invention pertains, the indirect investment product transaction processing system processes the beneficiary certificate purchase request requested by the seller terminal 900 by referring to or modifying the drawing 10, and then the buyer It may be possible to infer various implementation methods for processing the beneficiary security trading transaction in conjunction with the side financial system 115, the Securities Depository Server 120, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 10, the financial account management server is shown to include a process of repaying the loan interest amount and the loan amount of the customer, but the process may be omitted according to the intention of the skilled person. The present invention is not limited.

Hereinafter, in FIG. 10, the customer terminal or the seller terminal 900 is referred to as a "terminal" for convenience, and the indirect investment product selling server 105 is referred to as a "sales processing server" for convenience.

Referring to FIG. 10, the transaction processing server receives and registers a beneficiary certificate sale request information from a terminal, and stores the information on the beneficiary certificate sale request information received by the transaction processing server (1000) (1000). After transmitting to the Securities Depository Server 120 (1005), the transaction processing server checks whether a buyer has occurred for the beneficiary's beneficiaries who have made a selling request in connection with the Securities Depository Server 120 (1010).

Thereafter, when the transaction processing server confirms that a buyer does not occur with respect to the beneficiary certificate of the seller who made the sale request (1015), the transaction processing server is the Securities Depository Server 120 until a buyer occurs for the beneficiary certificate. In connection with), the buyer confirms the occurrence of the buyer on the beneficiary's beneficiary certificate (1010).

If the transaction processing server confirms that the buyer has occurred for the beneficiary certificate of the seller who made the selling request (1015), the transaction processing server is linked to the Securities Depository Server 120 and converted to the principal, that is, the reference price. The principal value of the received beneficiary certificate is checked (1020), and the beneficiary certificate proceeding at the time of a trading transaction is generated in connection with the financial system and the Securities Depository Server 120 (1025), and the transaction processing server checks the value. Revenue certificate value information is generated by combining the received principal of the beneficiary certificate and the proceeds of the calculated beneficiary certificate (1030).

Subsequently, the transaction processing server may refer to the previously generated beneficiary certificate value information, the amount of sale of the beneficiary certificate applied to the trade agreement of the beneficiary certificate, the beneficiary certificate information, and the buyers participating in the beneficiary certificate transaction By confirming the buyer account information, in addition to the information on the request for sale of beneficiary certificates previously stored in the storage medium (970) by storing the purchase price information and the buyer account information (1035) Contract of indirect investment product trading transaction to pursue stable investment return through surrogate investment in customer's assets generated in the transaction processing server until the next business day of the financial institution (or fund affiliate) is reached on the day after completion. This concludes the set of methods for processing.

11 is a diagram illustrating a contract processing method of an indirect investment product trading transaction for pursuing a stable return on investment through surrogate investment in a customer's asset according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a seller terminal 900 provided in a terminal device financial institution (or a fund sign-up agency) on the indirect investment product transaction processing system, and the indirect investment product sale server 105 through a predetermined communication network. The indirect investment product sales server 105, the fund transfer date and time confirmation unit, the Securities Depository Server 120, and the buyer side financial system 115 are connected through a financial common network. In the case where the investment product sales server 105, the storage medium 970, the transfer fund processing server 110, and the financial system are provided in connection with each other, the seller requests the sale of the beneficiary certificates held by the predetermined seller. Then, the indirect investment product trading server 105 confirms the seller's selling request and processes the information corresponding to the request through a predetermined processing procedure and stores the information in the storage medium 970. When a buyer for an interest securities occurs, the Securities Depository Server 120, and optionally the buyer-side financial system 115, and the financial system in conjunction with the financial system to show how to process the contract of the beneficiary securities trading transaction It is.

If one of ordinary skill in the art to which the present invention pertains, the indirect investment product transaction processing system processes the beneficiary certificate purchase request requested by the seller terminal 900 by referring to or modifying the drawing 11, and then the buyer It may be possible to infer various implementation methods for processing the beneficiary security trading transaction in conjunction with the side financial system 115, the Securities Depository Server 120, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 11, the financial account management server is shown to include the process of repaying the loan interest amount and the loan amount of the customer, but the process may be omitted according to the intention of those skilled in the art. The present invention is not limited.

Hereinafter, in FIG. 11, the customer terminal or the seller terminal 900 is referred to as a "terminal" for convenience, and the indirect investment product selling server 105 is referred to as a "sales processing server" for convenience.

Referring to FIG. 11, the transaction processing server receives and registers a beneficiary certificate sale request information from a terminal, stores it in the storage medium 970 (1100), and receives the beneficiary certificate sale request information received by the transaction processing server. After transmitting to the Securities Depository Server 120 (1105), the transaction processing server checks whether a buyer has occurred for the beneficiary's beneficiary who has made a selling request in connection with the Securities Depository Server 120 (1100).

Thereafter, when the transaction processing server confirms that a buyer does not occur with respect to the beneficiary certificate of the seller who made the selling request (1115), the transaction processing server performs the securities depository server server 120 until a buyer occurs for the beneficiary certificate. In connection with this, the buyer confirms the occurrence of the buyer on the beneficiary's beneficiary certificate (1110).

If the transaction processing server confirms that a buyer has occurred for the beneficiary certificate of the seller who made the selling request (1115), the transaction processing server is linked to the Securities Depository Server 120 and converted to the principal, that is, the reference price. Check the principal value of the received beneficiary certificates (1120), and calculates the beneficiary profits at the time of the trading transaction in connection with the buyer's financial system 115 and the Securities Depository Server 120 through a financial common network ( 1125), the transaction processing server generates the beneficiary certificate value information by adding the confirmed principal of the beneficiary certificate and the calculated profit of the beneficiary certificate (1130).

Subsequently, the transaction processing server refers to the amount of sales of the beneficiary certificates applied to the trading agreement of the beneficiary certificates, the beneficiary certificates information, and the buyers who participated in the beneficiary certificates trading transaction with reference to the previously generated beneficiary certificate value information. By confirming the buyer account information, in addition to the information on the request for sale of beneficiary certificates previously stored in the storage medium (970) by storing the purchase price information and the buyer account information used in the trading agreement of the beneficiary certificate (1135), Contract of indirect investment product trading transaction to pursue stable investment return through surrogate investment in customer's assets generated in the transaction processing server until the next business day of the financial institution (or fund affiliate) is reached on the day after completion. This concludes the set of methods for processing.

In more detail, FIG. 12 illustrates that a seller terminal 900 provided in a terminal device financial institution (or a fund subsidiary) on the indirect investment product transaction processing system, and the indirect investment product sale server 105 are connected through a predetermined communication network. The indirect investment product sales server 105, the fund transfer date and time confirmation unit, the Securities Depository Server 120, the indirect investment product sales server 105, the storage medium 970, In the case where the funds transfer processing server 110 and the financial system are provided in connection with each other, when a sale of a beneficiary security held by a predetermined seller is requested, the indirect investment product trading server 105 sells the seller. After confirming the request and processing the information corresponding to the request through a predetermined processing procedure and stored in the storage medium 970, when a buyer for the beneficiary certificate occurs, the Securities Depository Server 120 Depending on the case to a side to which the buyer financial system 115 and the financial system linked illustrating a method for processing a variant of the income securities trading.

If one of ordinary skill in the art to which the present invention pertains, the indirect investment product trading processing system processes the beneficiary certificate purchase request requested by the seller terminal 900 by referring to or modifying the drawing 12, and then the buyer It may be possible to infer various implementation methods for processing the beneficiary security trading transaction in conjunction with the side financial system 115, the Securities Depository Server 120, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 12, the financial account operation server is shown to include a process of repaying the loan interest amount and the loan amount of the customer, but the process may be omitted according to the intention of the skilled person. The present invention is not limited.

Hereinafter, in FIG. 12, the customer terminal or the seller terminal 900 is referred to as a "terminal" for convenience, and the indirect investment product selling server 105 is referred to as a "transfer processing server" for convenience.

Referring to FIG. 12, the transfer processing server checks whether the next business day start of the financial system has been reached (1200), and if the transfer processing server does not reach the next business day of start (1205), the transfer processing server receives the finance. The system checks whether the next business day is reached by interworking with the financial system until the system reaches the next business day (1200).

If the transfer processing server is connected with the Securities Depository Server 120, the transfer processing server checks whether the beneficiary securities designated as the selling and disposing object of the sale transaction exist in the seller's trading account, and is referred to the beneficiary information of the beneficiary certificate. Check whether the seller ID and seller ID included in the seller information are satisfied (1210), and if the matching condition is not satisfied (1215), the customer's assets without any further processing are performed. This concludes the process of dealing with the transfer of indirect investment product trading transactions in order to pursue a stable return on investment through proxy investment.

In addition, the transfer processing server checks whether the beneficiary certificate designated as the selling target of the trading transaction exists in connection with the Securities Depository Server 120 and checks the existence of the beneficiary certificate information of the beneficiary certificate. Check whether the seller ID and the seller ID included in the seller information is satisfied (1210), and if the matching condition is satisfied (1215), the transfer processing server is the Securities Depository Server 120 Check whether there is a transaction amount to purchase the beneficiary certificate in the buyer's transaction account, and the buyer ID referring to the buyer account information stored in the storage medium 970 and the buyer included in the buyer information. Representation of matching between IDs (1220), if the matching condition is not satisfied (1225), the agent for the customer's assets without further processing Who is concluding a series of processes related to indirect investment product transactions processed for transfer to pursue a stable return on investment.

If the transfer processing server checks whether a transaction amount for purchasing the beneficiary certificate exists in the buyer's trading account in connection with the Securities Depository Server 120, the buyer account stored in the storage medium 970. Checking whether the buyer ID and the buyer ID included in the buyer information referring to the information is matched (1220), and if the matching condition is satisfied (1225), the transfer processing server returns to the Securities Depository Server 120 After requesting the transfer of ownership (1230), the ownership of the beneficiary certificate is executed in connection with the financial system during the processing period to close the account of the seller's trading account and the buyer's trading account (1235).

When the transfer processing server confirms the information on the transfer of the ownership transfer of the beneficiary certificates from the Securities Depository Server 120 (1240), the transfer processing server is connected to the financial system and the seller and the buyer who closed during the transfer period of ownership. Open the transaction account (1245), the transfer processing server transfers the transaction funds to the seller's transaction account, transfers the beneficiary certificate to the seller's transaction account (1250), and the transfer processing server is from the buyer's transaction account. Withdraw the transaction funds specified in the trading agreement and transfer them to the seller's trading account, withdraw the beneficiary certificates from the buyer's trading account and transfer them to the seller's trading account. Settle the operating charges incurred and charge the seller and the buyer (1255), through surrogate investment in the client's assets. This concludes the process of dealing with the transfer of indirect investment product trade transactions to achieve a stable return on investment.

13 is a view showing a transfer processing method of indirect investment product trading transactions to seek a stable return on investment through surrogate investment in the customer's assets in accordance with one embodiment of the present invention.

In more detail, in FIG. 13, the seller terminal 900 provided in a terminal device financial institution (or a fund subsidiary) on the indirect investment product transaction processing system and the indirect investment product sale server 105 are connected through a predetermined communication network. The indirect investment product sales server 105, the fund transfer date and time confirmation unit, the Securities Depository Server 120, and the buyer side financial system 115 are connected through a financial common network. In the case where the investment product sales server 105, the storage medium 970, the money transfer processing server 110, and the financial system are provided in connection with each other, the sale of the beneficiary certificates held by the predetermined seller is sold. Upon request, the indirect investment product sales server 105 confirms the seller's selling request, processes the information corresponding to the request through a predetermined processing procedure, and stores the information in the storage medium 970. When a buyer for an interest securities occurs, the Securities Depository Server 120, and optionally the buyer-side financial system 115, and the financial system in conjunction with the financial system to show how to process the transfer of the beneficiary securities trading transaction It is.

If one of ordinary skill in the art to which the present invention pertains, the indirect investment product transaction processing system processes the beneficiary certificate purchase request requested by the seller terminal 900 by referring to or modifying the drawing 13, and then the buyer It may be possible to infer various implementation methods for processing the beneficiary security trading transaction in conjunction with the side financial system 115, the Securities Depository Server 120, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 13, the financial account management server is shown to include the process of repaying the loan interest amount and the loan amount of the customer, but the process may be omitted according to the intention of the skilled person. The present invention is not limited.

Hereinafter, in FIG. 13, the customer terminal or the seller terminal 900 is referred to as a "terminal" for convenience, and the indirect investment product selling server 105 is referred to as a "transfer processing server" for convenience.

Referring to FIG. 13, the transfer processing server checks whether the next business day start of the financial system has been reached (1300), and if the transfer processing server does not reach the next business day (1305), the transfer processing server is the financial service. The system checks whether the next business day is reached by interworking with the financial system until the system reaches the next business day (1300).

If the transfer processing server is connected with the Securities Depository Server 120, the transfer processing server checks whether the beneficiary securities designated as the selling and disposing object of the sale transaction exist in the seller's trading account, and is referred to the beneficiary information of the beneficiary certificate. By checking whether the seller ID and seller ID included in the seller information are satisfied (1310), and if the matching condition is not satisfied (1315), the customer's assets are not processed. This concludes the process of dealing with the transfer of indirect investment product trading transactions in order to pursue a stable return on investment through proxy investment.

In addition, the transfer processing server checks whether the beneficiary certificate designated as the selling target of the sale transaction exists in the seller's transaction account in connection with the Securities Depository Server 120 and refers to the beneficiary certificate information of the beneficiary certificate. Check whether the seller ID and the seller ID included in the seller information is satisfied (1310), and if the matching condition is satisfied (1315), the transfer processing server is the Securities Depository Server 120 Check whether there is a transaction amount to purchase the beneficiary certificate in the buyer's transaction account, and the buyer ID referring to the buyer account information stored in the storage medium 970 and the buyer included in the buyer information. Representation of matching between IDs (1320), if the matching condition is not satisfied (1325), the agent for the customer's assets without further processing Who is concluding a series of processes related to indirect investment product transactions processed for transfer to pursue a stable return on investment.

If the transfer processing server checks whether a transaction amount for purchasing the beneficiary certificate exists in the buyer's trading account in connection with the Securities Depository Server 120, the buyer account stored in the storage medium 970. Checking the matching between the buyer ID and the buyer ID included in the buyer information referring to the information (1320), if the matching condition is satisfied (1325), the transfer processing server to the securities depository server 120 After requesting the transfer of ownership (1330), the ownership of the beneficiary certificate is transferred to the buyer's financial system 115 through the financial co-operation network to perform the account closure of the seller's trading account and the buyer's trading account during the processing period. (1335)

When the transfer processing server confirms the information on the performance of the transfer of ownership of the beneficiary certificates from the Securities Depository Server 120 (1340), the transfer processing server is connected to the financial system of the seller and the buyer who closed during the transfer of ownership. Opening a trading account (1345), the transfer processing server transfers the transaction funds to the seller's trading account, transfers the beneficiary certificates to the seller's trading account (1350), and the transfer processing server trades from the buyer's trading account. Withdraw the transaction funds specified in the transaction contract and transfer them to the seller's trading account, withdraw the beneficiary certificates from the buyer's trading account and transfer them to the seller's trading account. Settles an operating fee and bills the seller and the buyer (1355), through a surrogate investment in the client's assets. Thereby terminating a series of processes related to indirect investment product transactions processed for transfer to pursue a stable return on investment.

According to the present invention, due to the distinction between the processing of the contract of the trading transaction that occurs in relation to the trading of beneficiary securities on the same day and the processing time of processing the transfer process of the trading transaction in the next day, There is an effect that can minimize the loss and protects the seller or the buyer from the transaction accidents that may occur, or the accidents that may occur with fraudulent intentions such as double transactions.

In addition, it is possible to expect efficient processing of beneficiary securities trading by minimizing the time-consuming factor and the overlapping process required in the processing of trading transactions between beneficiary securities transactions, financial institutions, and securities depository.

Claims

Signing a sales contract between the seller and the buyer for the indirect investment product at a predetermined contract conclusion means when trading a predetermined indirect investment product;

Storing in a predetermined storage medium by linking the seller information, the buyer information, the beneficiary certificate information, the sale approval information, the sale price information, and the buyer account information corresponding to the trading contract in a predetermined information storage means; ;

Confirming whether a predetermined contract confirmation means arrives on the next day of the conclusion of the sale contract, and upon arrival of the next day of the contract, confirming the seller information, the buyer information, the beneficiary certificate information, and the transaction amount information in connection with the storage medium;

Transferring a beneficiary certificate corresponding to the indirect investment product to a securities account corresponding to the buyer information in association with a securities depository server in a predetermined beneficiary certificate transfer means; And

And withdrawing the transaction amount from the buyer account information in connection with the storage medium in a predetermined fund settlement means.

The method according to claim 1, wherein the step of transferring the beneficiary certificate corresponding to the indirect investment product to the securities account corresponding to the buyer information in connection with a securities depository server in the beneficiary certificate transfer means,

And a step of setting a lock in the predetermined account lock processing unit such that the sale price is not withdrawn from the buyer account.

A recording medium comprising a program for executing the method of claim 1.

Contract signing means for concluding a contract for sale between the seller and the buyer for the indirect investment product during a transaction for a predetermined indirect investment product;

Information storage means for storing the seller information, the buyer information, the beneficiary certificate information, the sale approval information, the sale price information, and the buyer account information corresponding to the sale contract in a predetermined storage medium;

Contract confirmation means for confirming that the next day of the conclusion of the sale contract is concluded and confirming the seller information, the buyer information, the beneficiary certificate information, and the sale price information in association with the storage medium when the agreement arrives the next day;

A beneficiary certificate transfer step for transferring a beneficiary certificate corresponding to the indirect investment product to a securities account corresponding to the buyer information in association with a securities depository server; And

And a fund settlement means for withdrawing the settlement amount from the buyer account information in connection with the storage medium.

The method of claim 4, wherein

Indirect investment product sales support system characterized in that it further comprises an account lock processing means for setting the lock so that the purchase price is not withdrawn from the buyer account.